The Robyn Report is a mash up of articles, reviews and interviews about all things real estate. We have tons of guidelines and tips about the new rules for mortgages and how to buy or sell a house. With all the new technology out there, you need to be updated on the latest apps, websites, programs and software to make home buying easier. We continue to search the universe to find the latest and greatest geek stuff out there! And of course, we write the books, hence we think all consumers should read the books, so we often have book reviews and interviews with the authors. Knowledge is power. Use it!

Co-borrower guidelines for refi plus

Â When refinancing a mortgage under the current government mortgage modification program, all original borrowers must remain on the new loan and application. These programs known
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Waiving the borrowersâ€™ right to receive an appraisal

Â Â Under the new HOEPA, HERA and HVCC Acts of Congress (explanation of acronyms not necessary here) , a homeowner must receive a copy of their appraisal at least 3 business days before
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British lenders create collusion in rising rates

Seems as if the British mortgage lenders are gathering for a mutiny of their government inspired interest rates. As it is, the government has required real competition with the interest
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Interest rates and rain

Weird week weather wise and rate wise. Rain and shine, rates up and down. It was great week to lock interest rates Â if you need to close anytime soon. Â For those of you that thought on
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Whatâ€™s the latest on jumbo mortgages?

Rates are finally receding this week, due to a large (and successful) sale of Treasuries. This is good for conforming loans (under $417,000 for a single family house) and jumbo conforming
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Think before you refinance!

Â I recently had a horrible situation with a client who was refinancing a mortgage. This nightmare led me to post this entry in order to stress the seriousness of refinancing a mortgage.
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Bank attorneys must help with new disclosures

Interest rates have declined today after a fab bond sale! Â With the new disclosure requirements coming down end of July, the banks are reaching out to all parties involved with the
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New mortgage disclosures may delay closing dates

Â Â The new government regulation requiring repeat and final disclosure of closing fees and Annual Percentage Rates could delay a closing if they are not handled properly by all
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Getting a mortgage with unusual job history

Getting a mortgage with no job is pretty much impossible now, but how does one get a job with spotty, or complicated, Â employment history? Â Most lenders want to see two years consistent
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Introducing the HERA Mortgage Disclosure Improvement Act

Â Just when you thought you had signed every document under the sun- and your life awayâ€¦.there are more!Beginning July 30, 2009 the mortgage applicant will have more forms to read
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Dale Robyn Siegel
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