Home loans - I'm good friends with a President of a bank and when it comes to - refinancing it's pretty easy IF you stay with the same bank. People just don't know how, anything with Obama attached to it seems to be forbidden but the major feature of the refinancing deal of this program is the allowing the loan amount to exceed 80% of the home's value which before it was forbidden.
Also - you can always just ask for the bank to lower your mortgage - only costs a few hundred for a half point and many banks will do it.
BTW - unemployment in FLA is 11.6% and dropping and 61 percent of respondents in a small business survey in North Florida and Tampa Bay said business conditions are good while a net 58 percent of respondents in Central Florida said the same.
Which proves a point - people are SO hand wringing they don't even know the real numbers of what they are so worried about.
Auto sales have been rising steadily, exports are surging, holiday retail sales numbers solidly beat expectations, and industrial production is ticking up steadily.
I prefer to look at the future with a glass half full - the upside risk is far greater then then any downside risk.
Rod
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