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eFinanceDirectory.com is a hub for finding current news about the real estate and mortgage markets. Our goal is to provide you non-biased original articles about the housing and mortgage issues that matter to you most.

Our current focus is on researching the US housing bubble. We update this section daily with original housing market related news articles so please bookmark it and come back often.

Housing & Financial News:

See How U.S. Home Prices Have Changed

Home prices have declined steadily since 2006. See exactly how far home prices have fallen with this 20-year look at price trends in the largest U.S. cities.

Hundreds Arrested in Mortgage Fraud Crackdown

Wall Street executives and mortgage scam artists are being cuffed and booked around the nation as the FBI cracks down on mortgage fraud. Will borrowers be next?

The Latest Housing Bubble Monster: Craigslist Scammers

Nigerian scammers have begun to target the millions of people who search Craigslist for apartments and rental homes every year. Get details on their scheme here.

Homeowners Demand Tax Reassessments As Market Values Plummet

The recent drop in home prices has left many people paying too much in property taxes. Read on to find out who's paying the most and what they're doing about it.

U.S. Home Price Trends

Home prices declined nationwide through 2007 and the trend is showing all signs of continuing through 2008. Newly released indices indicate home price declines of more than 20 percent in cities like Las Vegas, San Diego, San Francisco and Miami.

Nation's Most and Least Affordable Housing Markets

A new index was released today that details which metropolitan areas are affordable for people who have median household incomes and which are not. Read on to see which metros made the lists.

Home Price Forecasts: What Your Home Will Be Worth Next Year

Home prices are expected to decline in 75 of the top 100 U.S. markets over the next 12 months. Some estimates predict prices will fall by an average of 10 percent. Check out this forecast to see how much your home will be worth next year.

White House and Congress Battle Over FHA Bill

The Bush administration and Congress are butting heads over legislation meant to ease the country's credit crisis. Camp Bush calls the controversial bill a bailout. Those who proposed the bill say it is necessary to protect the economy.

Inflated Appraisals May Become a Crime of the Past

Inflated appraisals played a major role in the housing crisis and encouraged many buyers to overpay for homes. Can new standards change the way appraisers do business?

Freddie and Fannie Face Off Against Mortgage Borrowers Who Walk Away

Lenders are becoming increasingly frustrated as a growing number of borrowers make the decision to walk-away from mortgage obligations. Freddie Mac and Fannie Mae are so fed up that they've decided to aggressively pursue 'walkaways' and prohibit foreclosed borrowers from getting another mortgage.

Today's Featured Articles:

50 Percent of New York City Homeowners Have Subprime Mortgages

A new report surfaced yesterday detailing the number of homeowners in New York City with subprime mortgages. The report shows the usage rate of subprime purchase loans has tripled, and it is estimated that 50 percent of the people in the city's 5 poorest neighborhoods have a subprime mortgage.

Identity Theft: What You Need to Know

Identity theft is the fastest growing crime in America. According to a survey conducted by the Federal Trade Commission in 2003, almost ten million Americans were victimized. Overall, the damage to the U.S, economy is staggering, with the cost to the U.S. at nearly $53 billion that same year. Here are some of the most common tactics, and how to protect yourself.

Bush Announces Five-Year Freeze on ARM Rates

President Bush outlined a private-sector plan this afternoon that will change the rules in the middle of the game. The plan, which borders on illegal, is meant to help struggling borrowers by putting a five-year freeze on interest rates.

Alameda County Rent vs. Buy Analysis

Like the rest of the Bay Area, Alameda County has a high cost of living. To top things off, the housing market has been very shaky as of late. Prices are coming down in certain cities and going up in others. If you are wondering whether or not you should continue to rent vs. buying a house, this Alameda County rent vs. buy analysis should help.

Realtors Say Now is a Good Time to Buy a Home

There have been many reports in the media about the slowing housing market. Last week the National Association of Realtors responded to the reports with ads saying that right now is a good time to buy a home.

No Need To Take Sides Kids: Growth vs. Value

Investing is kind of like sports. There is a lot of taking sides. Always winners and losers. Well children, now is the time to decide what investment strategy your are going take. That's right, just like football, you need a strategy.

Private Debt Much Higher Than During the Great Depression

Private debt is much higher now than during the Great Depression, and has been allowed to grow as if there were no consequences to borrowing, and no limit to what can be paid back in the future.

Are Fannie Mae and Freddie Mac Out of Control?

Fannie Mae and Freddie Mac and have been embroiled in an ongoing accounting scandal for some time now. Although the two mortgage giants have made progress, federal regulators say supervision is still needed to oversee and help correct the massive problems which are becoming a risk for our entire financial system.

Tips for Using the Internet for Getting Mortgage Quotes on Greenville, NC Mortgages

It was only a matter of time before mortgage lending companies began promoting their services online. Today, there are almost too many sources on the Internet to choose from. So how is it that the home refinance borrower in Greenville, North Carolina finds the best place to source their home loan?

Home Prices Keep Going Up-- Is it Sustainable?

Bubble, huh? Home prices continue to rise across the nation, even in the face of higher mortgage costs.

What is the Difference Between an Exchange-Traded Fund and a Closed-End Fund?

Want to know the difference between exchange-traded funds and closed-end funds? Both trade on the exchanges like regular stocks, but these two types of funds have important differences.

Small Business Loans: Asset-Based Financing

Asset-based financing usually comes from commercial finance companies and is offered on a revolving basis collateralized by a company's assets, specifically accounts receivable and inventory. This article will go over this loan program.

Sonoma, CA Housing Market: Interview with Sonoma Housing Bubble Blog

Next up in our series of interviews with housing experts around the nation, we have an interview with the Sonoma Housing Bubble Blog. Topics touched on include the Sonoma housing market, the credit bubble, and the likelihood of a 'soft landing'.

Top Ten Cities for Buying Foreclosures

Home foreclosure activity is on the rise across the nation and auctions are becoming commonplace in even the most unlikely of areas. If you are thinking about trying to snap up a property for a discounted price, here are the top ten cities for buying foreclosures.

The American Reality: Interview with a Sub Prime Specialist

For people with derogatory credit, the American Dream of home ownership can be a precarious one. For many Americans, finding a home within budget is a formidable challenge, and with so many financing options, how do you know you are getting the best loan for your situation? We sat down with sub prime mortgage special David Lowe to discuss specialty loans for the average homebuyer.

The Importance of Auto Insurance

There are two reasons for the importance of auto insurance: state laws that require auto insurance, and for financial, medical, and personal protection.

Home Equity Loans For Wisconsin Homeowners

Taking out a new equity loan requires a bit of research. Here are three tips for getting a good deal in Wisconsin.

What Makes a Good Credit Counselor

Credit counseling is now required by law as a step in the personal bankruptcy process. The credit counseling field crowded with thousands of professionals; here is how to find a good one.

Be Careful When Considering A Payday Loan

Some consumers are quick to turn to cash advance services or 'payday loans' in order to get quick money. Unfortunately, these loans usually come at an incredibly high price. Read this article for more information regarding payday loans.

Napa County Rent vs. Buy Analysis

With median home prices declining in Napa County, many people are thinking that now may be the best time to buy into the housing market. On the other hand, rents in the area are still relatively low compared to the cost of buying. This Napa County rent vs. buy analysis breaks down the numbers.

Today's Featured Finance Videos

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