Atlanta Real Estate Information: www.markspainspain.com
Fannie Mae Turns a Profit for First Time in Three Years
Fannie Mae has released its fourth-quarter and full-year 2010 earnings For the full year of 2010, Fannie Mae recorded a net loss of $14 billion, compared with a loss of $72 billion for 2009.
For information on Mortgages and Atlanta Real Estaate csll Mark Spain Today 770-886-9000.

Atlanta Mortgage Rates: www.markspain.com
WEEKEND RATES:

30-year fixed loans: Conventional: 4.75% FHA: 4.75% Jumbo: 5.125%

15-year fixed loans: Conventional: 4.125% FHA: 4.5% Jumbo: 4.625%

5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.875%
Call Mark Spain Today for more Information 770-886-9000

Atlanta Real Estate For Sale, www.markspain.com
Good News on Home Sales .
The National Association of Realtors (NAR)released their monthly report on existing home sales on Wednesday.
Home sales are now 5.3 percent above the 5.09 million level in January 2010.
Call Mark Spain Today 770-886-9000
If you are facing foreclosure, please check this website for help.
www.greateratlantaforeclosurehelp.com

Atlanta Mortgage update: www.markspain.com

WEDNESDAY'S RATES:

30-year fixed loans: Conventional: 4.875% FHA: 4.75% Jumbo: 5.125%

15-year fixed loans: Conventional: 4.25% FHA: 4.0% Jumbo: 4.5%

5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.625%

Call Mark Today 770-886-9000

Atlanta Real Estate For Sale: www.markspain.com
The housing crisis and the financial downturn that followed, have profoundly altered the consumer lending landscape. According to the firm Deloitte, one change that may be underappreciated is an important customer segment that could have powerful implications for lenders - the first-time defaulter. A survey found that 11 percent of banking customers have experienced a negative credit event for the first time.

Atlanta Short Sales
www.greateratlantaforeclosurehelp.com
Mortgage Delinquencies Fall to Lowest Level in Two Years
Delinquency rate for mortgage loans on residential properties dropped to 8.22 percent at the end of 2010. That's down about 10 percent from the rate reported by MBG three months earlier and is its lowest mortgage delinquency reading since the fourth quarter of 2008.
Call Mark Spain 770-886-9000

Atlanta Real Estate Short Sales.
www.markspain.com
Home Affordable Foreclosure Alternatives Program (HAFA)
To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure. The HAFA Program, which took effect April 5, 2010, provides servicer, seller and junior lien holder incentives for these transactions and is designed to simplify and streamline use of short sales and deeds-in-lieu of foreclosure.

Mark Spain is a Realtor with RE/MAX Greater Atlanta and is one of the top four RE/MAX agents in the world and the top RE/MAX agent in Georgia in closed transactions. With his 2010 sales, Mark has sold more than $1 billion in real estate during his career. He is a native Atlantan and graduate of the University of Georgia. To learn more about Mark Spain or to get answers to your real estate questions, visit www.MarkSpain.com or call 770-886-9000.

Contact Mark Today for complete information on HAFA programs 770-886-9000

Get Instant Information www.greateratlantaforeclosurehelp.com

Atlanta Georgia Real Estate
WEEKEND RATES:
www.markspain.com
30-year fixed loans: Conventional: 4.875% FHA: 4.75% Jumbo: 5.125%
15-year fixed loans: Conventional: 4.25% FHA: 4.5% Jumbo: 4.625%
5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.875%
Call Mark Spain today for more information 770-886-9000

Atlanta Real Estate for sale www.markspain.com
a House subcommittee held a hearing to examine private sector involvement in the housing market, to determine if the high amount of government participation is a hindrance to the sector's recovery. Rep. Judy Biggert, subcommittee chair, said government intervention in the housing market reached record levels during the financial crisis, resulting in a cost to taxpayers of hundreds of billions of dollars.

Atlanta Real Estate for Sale www.Markspain.com
WEDNESDAY'S RATES:

30-year fixed loans: Conventional: 4.875% FHA: 4.875% Jumbo: 5.25%

15-year fixed loans: Conventional: 4.25% FHA: 4.5% Jumbo: 4.5%

5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.625%

Call MArk Spain Today 770-886-9000

Atlanta Short Sales www.markspain.com
Federal Reserve Governor Sarah Bloom Raskin says the biggest drag on the nation's economy is the absence of any substantial recovery in the housing sector. She has challenged mortgage servicers to step up to the plate and make home retention their top priority. According to her, many practices are not only standard but "shoddy."
Call Mark Spain today 770-886-9000
www.greateratlantaforeclosurehelp.com

Atlanta Real Estate For Sale
www.markspain.com
Home Sales Increased in Q4, Expected to Continue Throughout 2011
The National Association of Realtors (NAR) reported that home sales increased in 49 states during the fourth quarter of 2010, with 78 markets experiencing gains from the fourth quarter of 2009.
www.greateratlantaforeclosurehelp.com
Atlanta Short Sales Information call Mark Spain 770-886-9000

Atlanta Real Estate Mortgage Rates
WEEKEND RATES:

30-year fixed loans: Conventional: 5.0% FHA: 5.0% Jumbo: 5.25%

15-year fixed loans: Conventional: 4.25% FHA: 4.5% Jumbo: 4.625%

5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.875%

Atlanta Georgia Homes For Sale
www.markspain.com

Atlanta Real Estate: www.markspain.com
FORECLOSURE ACTIVITY DOWN 17% FROM A YEAR AGO:
RealtyTrac has released its January foreclosure market report, which shows that foreclosure filings were reported on 261,333 U.S. properties in January. The tally represents a 1 percent increase from the previous month but a 17 percent decrease from January 2010.
www.greateratlantaforeclosurehelp.com
Call Mark Spain Today 770-886-9000

Atlanta Georgia Homes for sale
www.markspain.com
EASING OF LENDING STANDARDS MAY ENCOURAGE MARKET GROWTH
The latest loan officer survey shows a positive outlook for the lending industry. About 40 plus percent of banks responded that they experienced recent growth in their residential mortgage portfolios.
Call Mark Spain Today 770-886-9000
www.greateratlantaforeclosurehelp.com

Atlanta Real Estate listings: www.markspain.com

WEDNESDAY'S RATES:

30-year fixed loans: Conventional: 5.0% FHA: 5.0% Jumbo: 5.25%

15-year fixed loans: Conventional: 4.25% FHA: 4.5% Jumbo: 4.625%

5-year ARM: Conventional: 3.25% FHA: 3.25% Jumbo: 3.875%
call Mark Spain Today 770-886-9000

Atlanta Real Estate
www.greateratlantaforeclosurehelp.com
RENEWAL IN COMMERCIAL REAL ESTATE FINANCING
Mortgage bankers originated $110 billion of commercial and multifamily mortgages during 2010 - an increase of 36 percent from 2009, according to the Mortgage Bankers Association. A separate report from Jones Lang LaSalle corroborates the trade group's assessment of a resurgence in the financing market and indicates even stronger growth in 2011.
www.markspain.com
call Mark Spain Today 770-886-9000

Only 23 more days and the Legend's will be here!

Atlanta Real Estate www.markspain.com
Home Prices Looking Positive.
Clear Capital, the California-based real estate valuation company reports that through the end of January, national home prices are down 1.6 percent on a rolling quarter-over-quarter basis. But despite the negative quarterly price change, Clear Capital says the national index has demonstrated a positive trend since the start of 2011.
Call Mark Spain Today 770-886-9000
www.greateratlantaforeclosurehelp.com

AFTER YEARS OF RECORD DECLINES, HOME PRICES STABILIZE
The ups and downs seen in home price data over the past few years indicate a slow recovery in home prices with many false starts, especially in markets riddled with foreclosed properties, according to Fiserv, Inc. But the company's analysts say that while the ebb and flow is not over, they expect 75 percent of U.S. metro areas to see stable prices by the end of 2011. Fiserv says home prices have already leveled out in one of four metro areas.

ATLANTA REAL ESTATE
www.markspain.com
WEDNESDAY'S RATES:

30-year fixed loans: Conventional: 4.75% FHA: 4.75% Jumbo: 4.875%

15-year fixed loans: Conventional: 4.0% FHA: 4.5% Jumbo: 4.25%

5-year ARM: Conventional: 3.0% FHA: 3.0% Jumbo: 3.5%
Call Mark Spain Today 770-886-9000

The Legends are coming, The Legends are coming, The Legends are coming, Yes there all three are coming! Stay tuned every day for an update!