Need For FHA Reform... That's An Understatement...!!!

Need for FHA Reform

The agency grew from a portfolio of about $400 billion before the housing crisis to about $1.1 trillion since, all while its capital reserves fell to -1.44 percent in 2012 despite a mandated minimum of 2 percent.

 FHA reported a projected capital reserve of -0.4 percent for this year before a rise to 0.2 percent in 2014.

Meanwhile, the agency has upped its premiums and received $1.7 billion from the Treasury to bolster its financial status and keep the agency viable.

Venice, Italy - a City of Bridges

City of Bridges

Phillip Allen - Cityscape Art

Cityscape Photos

Phillip Allen - Cityscape Art

Italian Cityscape Art

Whiffle Ball a Useful Tool

Black & White Fine Art

No Limits..!!!

Black Mixed Media

Phillip Allen Fine Art Slideshow

I have always been able to depict subjects as they appear; I consider myself a 'realist';  an artist who believes in the ideology of ‘objective reality’. Realism has always been my strength; I excelled in higher education to obtain my Arts and Science degrees; schools in industrial arts, drafting, and graphic design; as my focus began to narrow I devoted my efforts in the study of medical illustration while attending San Diego State University. 

Rising Rates Pose Greater Threat Than Initial Indications

While maintaining that tight credit conditions and rapid price gains present the greatest threats to the housing recovery,Capital Economics is ready to acknowledge that rising mortgage rates may provide more drag than the firm’s analysts first thought.

Darrell Keller Memorial Bike Rally

Softail Framed Prints

Softail Bagger...!!!

Softail Motorcycle Prints

My iPhone & Samsung Galaxy Cases

iPhone & Samsung Galaxy Smartphone Cases

Ride To Live & Live To Ride

Harley Glide Motorcycles

YES, We Closed Another Short Sale...!

Seal Beach, CA - Troy House / Coldwell Banker - Coastal Alliance

TEAM ShortSale - We get approvals... YOU Get Paid...!

Phillip Allen / TEAM ShortSale Solutions: YES, We Closed Another Short Sale...!

Phillip Allen / TEAM ShortSale Solutions: YES, We Closed Another Short Sale...!: Fair Oaks Ranch, CA - Terri Gold / Coldwell Banker - A Hartwig Co. TEAM ShortSale - We get approvals... YOU Get Paid...!

YES, We Closed Another Short Sale...!

Fair Oaks Ranch, CA - Terri Gold / Coldwell Banker - A Hartwig Co.

TEAM ShortSale - We get approvals... YOU Get Paid...!

Ride To Live & Live To Ride

Harley Heritage

Fine Art Metal Prints

Photographs of Italia

Cityscape Fine Art

FHFA and Zillow Talk HARP

FHFA, ZILLOW & HARP Zillow partnered with the Federal Housing Finance Agency(FHFA) Thursday to review eligibility requirements for the Home Affordable Refinance Program (HARP) and respond to borrowers confused about the program.

Motorcycle Framed Prints

Fine Art America

There's Not Much Here...?!?!

HUD has released the New Short Sale Requirements effective October 1st...!!!