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1. SEC Adopts Rules on Loan-Backed Securities -

WASHINGTON (AP) – Financial firms that sell securities backed by loans, like the kind that fueled the 2008 financial crisis, will have to give investors details on borrowers' credit record and income under action taken Wednesday by federal regulators.

2. Fannie, Freddie Post Profits in Second Quarter -

WASHINGTON (AP) – Government-controlled mortgage companies Fannie Mae and Freddie Mac posted profits for the April-June period as the U.S. housing market continued to recover. Gains in recent years have enabled them to fully repay their government aid after being rescued during the financial crisis in 2008.

3. Average US 30-Year Mortgage Rate at 4.12 Percent -

WASHINGTON (AP) — Average U.S. mortgage rates declined slightly this week, hovering near their lows for the year.

Mortgage company Freddie Mac said Thursday that the nationwide average for a 30-year loan slipped to 4.12 percent from 4.13 percent last week. The average for the 15-year mortgage, a popular choice for people who are refinancing, declined to 3.23 percent from 3.26 percent last week.

4. Study: 35 Percent in US Face Debt Collectors -

WASHINGTON (AP) — More than 35 percent of Americans have debts and unpaid bills that have been reported to collection agencies, according to a study released Tuesday by the Urban Institute.

5. Average US 30-Year Mortgage Rate at 4.13 Percent -

WASHINGTON (AP) – Average U.S. long-term mortgage rates were stable to slightly higher this week, remaining near their lows for the year.

Mortgage company Freddie Mac said Thursday that the nationwide average for a 30-year loan was 4.13 percent, unchanged from last week. The average for the 15-year mortgage, a popular choice for people who are refinancing, edged up to 3.26 percent from 3.23 percent last week.

6. 30-Year Mortgage Rate Falls to 4.14 Percent -

Average U.S. rates on fixed mortgages declined this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for a 30-year loan eased to 4.14 percent from 4.17 percent last week. The average for the 15-year mortgage fell to 3.22 percent from 3.30 percent.

7. 30-Year Mortgage Rate Falls to 4.14 Percent -

Average U.S. rates on fixed mortgages declined this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for a 30-year loan eased to 4.14 percent from 4.17 percent last week. The average for the 15-year mortgage fell to 3.22 percent from 3.30 percent.

8. Average US 30-Year Mortgage Rate at 4.17 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages eased slightly this week, remaining near historic lows.

Mortgage buyer Freddie Mac said Thursday the average rate for a 30-year loan declined to 4.17 percent from 4.20 percent last week. The average for the 15-year mortgage dipped to 3.30 percent from 3.31 percent.

9. Average US 30-Year Mortgage Rate Falls to 4.14 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week for a fourth straight week. The low rates could give a boost to the spring home-buying season, which has started slowly.

10. Average US 30-Year Mortgage Rate Dips to 4.2 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined this week for a third straight week. The low rates could give a boost to the spring home-buying season, which has gotten off to a slow start.

11. Average US 30-Year Mortgage Rate Falls to 4.21 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week for a second straight week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan declined to 4.21 percent from 4.29 percent last week. The average for the 15-year mortgage eased to 3.32 percent from 3.38 percent.

12. Fannie, Freddie Post Solid Earnings for First Quarter -

WASHINGTON (AP) – Government-controlled mortgage financers Fannie Mae and Freddie Mac posted solid earnings for the January-March period as the U.S. housing market continued to recover. Gains over recent quarters have enabled the companies to fully repay their taxpayer aid after being rescued by the government in 2008.

13. First Horizon Settles Federal Litigation -

Memphis-based First Horizon National Corp. has reached a litigation settlement agreement with the Federal Housing Finance Agency, as conservator for the Federal National Mortgage Association, also known as Fannie Mae, and the Federal Home Loan Mortgage Corp., also known as Freddie Mac.

14. Average US 30-Year Mortgage Rate Eases to 4.29 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined slightly this week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan eased to 4.29 percent from 4.33 percent last week. The average for the 15-year mortgage ticked down to 3.38 percent from 3.39 percent.

15. First Horizon Settles Federal Litigation -

Memphis-based First Horizon National Corp. has reached a litigation settlement agreement with the Federal Housing Finance Agency, as conservator for the Federal National Mortgage Association, also known as Fannie Mae, and the Federal Home Loan Mortgage Corp., also known as Freddie Mac.

16. Average US 30-Year Mortgage Rate Up to 4.33 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages rose this week as the spring home-buying season has gotten off to a slow start.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan rose to 4.33 percent from 4.27 percent last week. The average for the 15-year mortgage increased to 3.39 percent from 3.33 percent.

17. Average US 30-Year Mortgage Rate Down to 4.34 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages declined this week, edging closer to historically low levels as the spring home-buying season begins.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan fell to 4.34 percent from 4.41 percent last week. The average for the 15-year mortgage eased to 3.38 percent from 3.47 percent.

18. Blast of Winter Weather Can't Faze US Employers -

WASHINGTON (AP) – Brutal winter weather snarled traffic, canceled flights and cut power to homes and factories in February. Yet it didn't faze U.S. employers, who added 175,000 jobs, far more than the two previous months.

19. Average US 30-Year Mortgage Rate Slips to 4.28 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell after three weeks of increases, edging closer to historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate for the 30-year loan declined to 4.28 percent from 4.37 percent last week. The average for the 15-year mortgage fell to 3.32 percent from 3.39 percent.

20. US Bank Earnings Rise 17 Percent -

U.S. banks’ earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

21. 30-Year Mortgage Rate Up to 4.37 Percent -

Average U.S. rates on fixed mortgages rose for a third straight week as new data showed a surprisingly strong pace of new-home sales last month. Rates still remain near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.37 percent from 4.33 percent last week. The average for the 15-year mortgage rose to 3.39 percent from 3.35 percent.

22. 30-Year Mortgage Rate Up to 4.37 Percent -

Average U.S. rates on fixed mortgages rose for a third straight week as new data showed a surprisingly strong pace of new-home sales last month. Rates still remain near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.37 percent from 4.33 percent last week. The average for the 15-year mortgage rose to 3.39 percent from 3.35 percent.

23. US Bank Earnings Rise 17 Percent -

U.S. banks' earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

24. Average 30-Year US Mortgage Rate Up to 4.33 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages rose this week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday the average rate for the 30-year loan increased to 4.33 percent from 4.28 percent last week. The average for the 15-year mortgage edged up to 3.35 percent from 3.33 percent.

25. 30-Year Mortgage Rate Averaging 4.28 Percent -

The average U.S. rate on a 30-year fixed mortgage edged up this week to 4.28 percent from 4.23 percent but remains near historically low levels after declining during the five previous weeks.

Mortgage buyer Freddie Mac said Thursday that the average for the 15-year loan was unchanged at 3.33 percent.

26. 30-Year Mortgage Rate Averaging 4.28 Percent -

The average U.S. rate on a 30-year fixed mortgage edged up this week to 4.28 percent from 4.23 percent but remains near historically low levels after declining during the five previous weeks.

Mortgage buyer Freddie Mac said Thursday that the average for the 15-year loan was unchanged at 3.33 percent.

27. Bell Joins First State Bank as Commercial Loan Officer -

Jonathan Bell has joined First State Bank as vice president/commercial loan officer. Bell, who has more than 13 years of experience in the banking industry, will provide banking services for businesses in Collierville and the surrounding area.

28. Average US Rate on 30-Year Loan at 4.32 Percent -

WASHINGTON (AP) – Average U.S. rates for fixed mortgages slipped this week as new data showed a decline in home prices in November and a drop in new homes sales last month.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan fell to 4.32 percent from 4.39 percent last week. The average for the 15-year loan eased to 3.40 percent from 3.44 percent.

29. 30-Year Mortgage Rate Averaging 4.39 Percent -

Average U.S. rates for fixed mortgages changed little this week.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan declined to 4.39 percent from 4.41 percent last week. The average for the 15-year loan slipped to 3.44 percent from 3.45 percent.

30. 30-Year Mortgage Rate Averaging 4.39 Percent -

Average U.S. rates for fixed mortgages changed little this week.

Mortgage buyer Freddie Mac said Thursday the average for the 30-year loan declined to 4.39 percent from 4.41 percent last week. The average for the 15-year loan slipped to 3.44 percent from 3.45 percent.

31. 30-Year Mortgage Rate Hovers at 4.51 Percent -

Average U.S. rates for fixed mortgages barely changed this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan slipped to 4.51 percent from 4.53 percent last week. The average for the 15-year loan edged up to 3.56 percent from 3.55 percent.

32. 30-Year Mortgage Rate Hovers at 4.51 Percent -

Average U.S. rates for fixed mortgages barely changed this week, hovering near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan slipped to 4.51 percent from 4.53 percent last week. The average for the 15-year loan edged up to 3.56 percent from 3.55 percent.

33. Average Mortgage Rate Rises to 4.53 Percent -

Average U.S. rates for fixed mortgages edged higher this week for the third straight week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan rose to 4.53 percent from 4.48 percent last week. The average for the 15-year loan increased to 3.55 percent from 3.52 percent.

34. Average Mortgage Rate Rises to 4.53 Percent -

Average U.S. rates for fixed mortgages edged higher this week for the third straight week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the average for the 30-year loan rose to 4.53 percent from 4.48 percent last week. The average for the 15-year loan increased to 3.55 percent from 3.52 percent.

35. 30-Year Mortgage Rate Rises to 4.48 Percent -

Average U.S. rates for fixed mortgages crept higher this week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan increased to 4.48 percent from 4.47 percent last week. The average on the 15-year fixed loan rose to 3.52 percent from 3.51 percent.

36. 30-Year Mortgage Rate Rises to 4.48 Percent -

Average U.S. rates for fixed mortgages crept higher this week but remained low by historical standards.

Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan increased to 4.48 percent from 4.47 percent last week. The average on the 15-year fixed loan rose to 3.52 percent from 3.51 percent.

37. US Homebuilder Confidence Surges in December -

U.S. homebuilders' confidence bounced back strongly this month, a sign that construction and industry hiring may pick up in coming months.

The National Association of Home Builders/Wells Fargo builder sentiment index released Tuesday climbed to 58. That was up from 54 in November and matched an eight-year high reached in August. Readings above 50 indicate that more builders view sales conditions as good than poor.

38. Average Mortgage Rate Rises to 4.46 Percent -

Average U.S. rates for fixed mortgages rose sharply this week, making home-buying slightly less affordable.

Mortgage buyer Freddie Mac said Thursday the average rate on the 30-year loan jumped to 4.46 percent from 4.29 percent last week. The average on the 15-year fixed loan increased to 3.47 percent from 3.30 percent.

39. Average Mortgage Rate Rises to 4.46 Percent -

Average U.S. rates for fixed mortgages rose sharply this week, making home-buying slightly less affordable.

Mortgage buyer Freddie Mac said Thursday the average rate on the 30-year loan jumped to 4.46 percent from 4.29 percent last week. The average on the 15-year fixed loan increased to 3.47 percent from 3.30 percent.

40. Average Mortgage Rate Rises to 4.29 Percent -

Average U.S. mortgage rates rose modestly this week, a move that makes home-buying a bit less affordable. Still, rates remain near historically low levels.

Mortgage buyer Freddie Mac says the average rate on the 30-year loan increased to 4.29 percent from 4.22 percent last week. The average on the 15-year fixed ticked up to 3.3 percent from 3.27 percent.

41. Average Mortgage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages declined this week after two weeks of increases, keeping home-buying affordable.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan fell to 4.22 percent from to 4.35 percent last week. The average on the 15-year fixed mortgage dipped to 3.27 percent from 3.35 percent.

42. Average Mortgage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages declined this week after two weeks of increases, keeping home-buying affordable.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan fell to 4.22 percent from to 4.35 percent last week. The average on the 15-year fixed mortgage dipped to 3.27 percent from 3.35 percent.

43. US Existing Home Sales Fall 3.2 Percent in October -

WASHINGTON (AP) – Fewer Americans bought existing homes in October, as higher mortgage rates, the 16-day partial government shutdown and a limited supply of houses on the market reduced sales.

44. 30-Year Mortgage Rate Averages 4.16 Percent -

Average U.S. rates on fixed mortgages rose slightly last week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan increased to 4.16 percent from 4.10 percent last week, which was the lowest level in four months. The average on the 15-year fixed mortgage rose to 3.27 percent from 3.20 percent.

45. Fannie, Freddie Post Strong Earnings for Third Quarter -

WASHINGTON (AP) – Fannie Mae and Freddie Mac posted strong earnings for the July-September period as the housing market continued to recover. The gains will enable the mortgage giants to finish repaying their taxpayer aid or come close to doing so five years after they were rescued by the government.

46. 30-Year Mortgage Rate Averages 4.16 Percent -

Average U.S. rates on fixed mortgages rose slightly last week but remained near historically low levels.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan increased to 4.16 percent from 4.10 percent last week, which was the lowest level in four months. The average on the 15-year fixed mortgage rose to 3.27 percent from 3.20 percent.

47. Memphis Housing Market Waiting for Shutdown Impact -

The shutdown of the U.S government has had a minimal impact on the local housing market so far, but that could change if the shutdown stretches on for a week or more.

Homebuyers in the process of acquiring a house could be delayed while lenders are blocked from key actions like confirming Social Security numbers and accessing IRS tax records.

48. Average 30-Year Mortage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages fell for the third straight week to their lowest point in three months, as a decline in consumer confidence and the onset of the government shutdown forced rates down.

49. Average 30-Year Mortage Rate Drops to 4.22 Percent -

Average U.S. rates on fixed mortgages fell for the third straight week to their lowest point in three months, as a decline in consumer confidence and the onset of the government shutdown forced rates down.

50. FHA to Draw $1.7 Billion From Treasury to Cover Losses -

WASHINGTON (AP) – A federal housing agency said Friday it needs a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs which allow seniors to borrow against their homes for everyday living expenses.

51. Muddled US Jobs Picture to Weigh on Fed Decision -

WASHINGTON (AP) – Employers are sketching a hazy picture of the U.S. job market for the Federal Reserve to weigh in deciding this month whether to reduce its stimulus for the economy – and, if so, by how much.

52. US Builders Broke Ground on More Homes in July -

WASHINGTON (AP) – U.S. developers broke ground on homes at a faster pace in July. But the rise was all due to apartment construction, which is typically volatile. By contrast, builders began work on fewer single-family homes – the bulk of the market – and sought fewer permits to build them.

53. Average Rate on 30-Year US Mortgage Stays 4.4 Percent -

WASHINGTON (AP) – Average rates on U.S. long-term fixed mortgages remained steady for a second straight week, giving prospective home buyers more time to lock in historically low levels.

54. Fannie Mae Posts $10.1 Billion Second-Quarter Net Income -

WASHINGTON (AP) – Mortgage giant Fannie Mae earned $10.1 billion in the second quarter, aided by the recovery in the housing market. The government-controlled company has turned a profit in each of the past six quarters.

55. Average Rate on 30-Year Loan Up to 4.39 Percent -

Average rates on U.S. fixed mortgages ticked up this week but are still low by historical standards, a trend that has helped the housing market recover.

Mortgage buyer Freddie Mac said Thursday that the average on the 30-year loan rose to 4.39 percent from 4.31 percent last week. Rates are a full percentage point higher than in early May.

56. Average Rate on 30-Year Loan Rises to 4.39 Percent -

Average rates on U.S. fixed mortgages ticked up this week but are still low by historical standards, a trend that has helped the housing market recover.

Mortgage buyer Freddie Mac said Thursday that the average on the 30-year loan rose to 4.39 percent from 4.31 percent last week.

57. Lower Costs Help Lift Wells Fargo's Second-Quarter Profit -

Lower expenses and fewer bad loans helped lift Wells Fargo's second-quarter profit by 20 percent, the company reported Friday.

The cost-cutting and improved loan quality helped the nation's biggest U.S. mortgage lender overcome meager revenue growth.

58. US Rate on 30-Year Mortgage Falls to 4.29 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell this week after last week's surge. The declines could prompt homebuyers to act quickly before rates rise further.

Freddie Mac said Wednesday that the average on the 30-year loan dropped to 4.29 percent. That's down from 4.46 percent last week, the highest in two years and a full point more than a month ago.

59. Reports Reflect Fed's Message of Stronger Economy -

WASHINGTON (AP) – The U.S. housing recovery is strengthening. Factories are fielding more orders. And Americans' confidence in the economy has reached its highest point in 5.5 years.

That brightening picture, captured in four reports Tuesday, suggests that the economy could accelerate in the second half of the year. It underscores the message last week from the Federal Reserve, which plans to slow its bond-buying program this year and end it next year if the economy continues to strengthen. The Fed's bond purchases have helped keep long-term interest rates low.

60. Average Rate on 15-Year US Mortgage Above 3 Percent -

WASHINGTON (AP) – The average U.S. rate on a 15-year fixed mortgage rose above 3 percent this week for the first time in a year, while the rate on the 30-year fixed loan approached 4 percent.

61. AP Survey: Economists See No Stock Market Bubble -

WASHINGTON (AP) – A debate is raging among investors and analysts: Has the Federal Reserve inflated a stock market bubble by driving interest rates to record lows?

The answer, according to economists surveyed by The Associated Press: No.

62. US Rate on 30-Year Mortgage Rises to 3.81 Percent -

WASHINGTON (AP) — Average U.S. rates on fixed mortgages jumped this week to their highest levels in a year, signaling slightly higher costs for homebuyers. But rates still remain low by historical standards.

63. Rising Home, Stock Prices Boost US Confidence -

WASHINGTON (AP) — Americans are more confident in the U.S. economy than at any point in the past five years, thanks to surging home values, a brighter job market and record-setting stock prices.

64. Priced to Rent -

Local property management companies like Lubin Property Management LLC and Renshaw Property Management are capitalizing on the trend for young potential homebuyers choosing to rent instead of buy.

65. Capital Requirement -

In early April, U.S. Sen. Bob Corker, R-Tenn., joined a handful of other senators in drafting a letter in part about new rules of the road governing bank capital requirements.

That letter was sent to Federal Reserve Gov. Daniel Tarullo, Comptroller of the Currency Thomas Curry and Federal Deposit Insurance Corp. Chairman Martin Gruenberg.

66. Mortgage Activity Slows in February -

Mortgage activity in Shelby County began 2013 by shifting into a higher gear, but someone tapped the brakes in February.

Total mortgage volume countywide had started the year showing double-digit percentage growth over the same period one year earlier. But in February, volume was up just 1 percent over the same month in 2012.

67. Changing Times -

After a four-decade existence, the Morgan Keegan name has been retired.

The announcement Raymond James Financial Inc. is dropping the Morgan Keegan name was made during Raymond James’ first quarter earnings conference call last month. Raymond James CEO Paul Reilly was giving analysts listening to the call an update on the firm’s acquisition of the Memphis investment firm last year and its integration since then.

68. Why Geithner's Treasury Leadership Proved Divisive -

WASHINGTON (AP) – President Barack Obama has saluted the outgoing Timothy Geithner as one of the best U.S. Treasury secretaries ever. He's surely been among the most contentious.

Not since the Great Depression had an administration inherited so many grave financial threats at once. To many, Geithner deserves credit for helping steady the banking system and helping restore investor confidence. Yet his toughest critics say Geithner's policies consistently favored big banks over ordinary struggling Americans.

69. New Federal Rules to Curb Risky Mortgages -

Federal regulators for the first time are laying out rules aimed at ensuring that mortgage borrowers can afford to repay the loans they take out.

The rules being unveiled Thursday by the Consumer Financial Protection Bureau impose a range of obligations and restrictions on lenders, including bans on the risky “interest-only” and “no documentation” loans that helped inflate the housing bubble.

70. New Federal Rules to Curb Risky Mortgages -

Federal regulators for the first time are laying out rules aimed at ensuring that mortgage borrowers can afford to repay the loans they take out.

The rules being unveiled Thursday by the Consumer Financial Protection Bureau impose a range of obligations and restrictions on lenders, including bans on the risky “interest-only” and “no documentation” loans that helped inflate the housing bubble.

71. US Mortgage Rates Decline to Near-Record Lows -

The average rate on the U.S. 30-year fixed mortgage last week dipped closer to the lowest on record, a trend that is making home buying more affordable and also enabling more Americans to refinance their loans.

72. US Home Sales Surge to Three-Year High -

U.S. sales of previously occupied homes jumped to their highest level in three years last month, bolstered by steady job gains and record-low mortgage rates. The report was the latest sign of a sustained recovery in the housing market.

73. US Home Sales Surge to Three-Year High -

U.S. sales of previously occupied homes jumped to their highest level in three years last month, bolstered by steady job gains and record-low mortgage rates.

The report was the latest sign of a sustained recovery in the U.S. housing market.

74. BancorpSouth Keeps Focus on Staying True to Banking Basics -

BancorpSouth Inc. may have new leadership, but the Tupelo, Miss.-based company likes to say it still has an old way of doing business.

75. 30-Year Mortgage Rate Hits Record 3.31 Percent -

Average U.S. rates on fixed mortgages fell to fresh record lows last week, a trend that is boosting home sales and aiding the housing recovery.

Mortgage buyer Freddie Mac said Wednesday, Nov. 21, that the average rate on the 30-year loan dipped to 3.31 percent, the lowest on records dating back to 1971.

76. Five Big US Banks Cut Mortgage Balances by $6.3 Billion -

LOS ANGELES (AP) – Five of the biggest U.S. banks have cut struggling homeowners' mortgage balances by $6.3 billion, part of a total $26.1 billion in home loan relief provided under a landmark settlement over foreclosure abuses.

77. US Rate on 30-Year Mortgage Hits Record 3.34 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell to fresh record lows this week, a trend that has helped the housing market start to recover this year.

Mortgage buyer Freddie Mac says that the average rate on the 30-year loan dipped to 3.34 percent, the lowest on records dating back to 1971. That's down from 3.40 percent last week and the previous record low of 3.36 percent reached last month.

78. Fannie, Freddie Expand Aid to Storm-Hit Homeowners -

MCLEAN, Va. (AP) – Fannie Mae and Freddie Mac are expanding their assistance to borrowers whose homes were damaged or destroyed by Superstorm Sandy.

The government-controlled mortgage companies said Friday that they will automatically suspend evictions and foreclosures in disaster areas for 90 days.

79. US Suit Alleges 'Brazen' Fraud at Countrywide -

NEW YORK (AP) — The latest federal lawsuit over alleged mortgage fraud paints an unflattering picture of a doomed lender: Executives at Countrywide Financial urged workers to churn out loans, accepted fudged applications and tried to hide ballooning defaults.

80. US Rate on 30-Year Mortgage Rises to 3.39 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages ticked up from record lows last week. Cheaper mortgages are fueling a modest housing recovery that could help the broader economy.

81. 30-Year Mortgage Rate Hits Record 3.36 Percent -

WASHINGTON (AP) – Average U.S. rates on fixed mortgages fell to fresh record lows for the second straight week. The declines have led more homeowners to refinance, a trend that could help jumpstart the economy.

82. Rate on 30-Year Mortgage Falls to Record 3.49 Percent -

WASHINGTON (AP) – The average U.S. rate on the 30-year fixed mortgage touched its record low this week and the rate on 15-year mortgage hit a new record.

The declines followed the Federal Reserve announcement last week that it would buy bonds to try to push mortgage rates lower and stimulate the housing market.

83. Feds Tighten Appraisal Rules for Risky Mortgages -

WASHINGTON (AP) – New federal rules proposed Wednesday would require all high-risk mortgage lenders to obtain property appraisals for the first time.

Under the rule, all mortgages deemed risky would require an appraisal by a licensed or certified appraiser, including a written inspection of the home's interior, according to regulators including the Federal Reserve and the Consumer Financial Protection Bureau. Previously, there was no universal federal requirement that appraisals be performed on all risky mortgages.

84. Fed Fines MetLife $3.2M Over Foreclosure Abuses -

WASHINGTON (AP) – The Federal Reserve is imposing $3.2 million in penalties against MetLife Inc. for failing to prevent foreclosure abuses by its bank subsidiary.

85. Fed Could be Moving to More Bond Buying -

WASHINGTON (AP) – The Federal Reserve appears to be moving toward announcing some new step to try to energize the troubled U.S. economy. The question is whether it will do so after its policy meeting this week.

86. Regions Financial Reports Second Quarter Profit -

Regions Financial Corp. reported a second quarter profit Tuesday, July 24, of $284 million, or $0.20 per diluted share, driven by improvement in its core business performance.

87. US Economic Data Add to Signs of Slowing Recovery -

WASHINGTON (AP) — A raft of economic news Thursday sketched a picture of a weakening U.S. economy held back by sluggish home buying and factory production.

Americans bought fewer homes in June than in May. Manufacturing in the Federal Reserve's Philadelphia region contracted for a third straight month this month. And a gauge of future U.S. economic activity fell in June.

88. Q2 Foreclosures Up 5 Percent -

Shelby County’s real estate market is still feeling the effects of foreclosure activity, with a second quarter increase in activity following an even larger one in the first quarter.

89. Herenton Home Listed as Short Sale -

Former Memphis Mayor Willie W. Herenton’s home in Banneker Estates is on the market as a short sale.

The single-family home on Horn Lake Road has been on the market for more than 160 days. The house in the McKellar-Whitehaven-Levi PD neighborhood is listed for $369,900 with B.J. Worthy with RE/MAX on Track.

90. Report: Countrywide Won Influence With Discounts -

WASHINGTON (AP) – The former Countrywide Financial Corp., whose subprime loans helped start the nation's foreclosure crisis, made hundreds of discount loans to buy influence with members of Congress, congressional staff, top government officials and executives of troubled mortgage giant Fannie Mae, according to a House report.

91. As US Economy Steadies, Bank Closings Become Rarer -

WASHINGTON (AP) – Fewer U.S. banks are failing than at any time since the financial crisis erupted in 2008. The healthier banking industry is helping sustain an economy slowed by lackluster hiring, weak manufacturing and Europe's debt crisis.

92. US Sales of Foreclosure Homes Rose in Q1 -

LOS ANGELES (AP) – Homes in some stage of the foreclosure process saw their share of overall U.S. home sales grow in the first quarter even as sales of bank-owned homes fell.

The increase was driven by a spike in short sales, or homes that sell for less than what the owner owed on their mortgage, foreclosure listing firm RealtyTrac Inc. said Thursday.

93. Forum Addresses Latest HUD, Real Estate Trends -

People who receive housing counseling before they borrow are much less likely to default. Research shows that 75 percent of at-risk homeowners who meet with U.S. Department of Housing and Urban Development housing counselors and attend loss mitigation programs won’t be foreclosed.

94. White Joins BankTennessee As Mortgage Specialist -

Judy Sulton White has joined BankTennessee as a mortgage loan specialist. White has worked in the mortgage industry for 30 years and will focus on new-home financing options, mortgage refinances and custom construction loans.

95. Regions Financial Q1 Profit is $145M, Beats Street -

BIRMINGHAM, Ala. (AP) – Regions Financial Corp. gave out more mortgage loans to its customers and commercial loans to businesses in the first three months of the year, which helped the bank post more than eight times the profit it reported last year.

96. Q1 Mortgages Up 12 Percent -

As the new year got under way, it didn’t look like Shelby County’s mortgage market was going to be ringing in 2012 with a bang.

By the end of January, the market was in pretty much the same place as it was one year earlier, with total mortgage volume barely budging (to $67 million, barely up from January 2011’s mortgage volume of $65.3 million).

97. Recovery Threatened by Runaway Student Loan Debt -

WASHINGTON (AP) – The federal student loan program seemed like a great idea back in 1965: Borrow to go to college now, pay it back later when you have a job.

But many borrowers these days are close to flunking out, tripped up by painful real-life lessons in math and economics.

98. RPAC Keeps Housing On Policymakers’ Minds -

Carol Lott understands that some people have misgivings about giving money to politicians, particularly when budgets are tight.

99. Obama Details Broader Housing Plan -

FALLS CHURCH, Va. (AP) – President Barack Obama called on Congress Wednesday to make it easier for millions of additional homeowners to refinance their mortgages at lower interest rates even if they owe more than their homes are worth. He conceded that his administration's housing plans so far have not lived up to their promise.

100. Rising Factory Output Gives Economy a Lift -

WASHINGTON (AP) – U.S. factories are roaring back from the depths of the recession, cranking out more machinery, vehicles and energy.

Factory production has surged 15 percent above its lows of 2½ years ago and is helping drive the economy's recovery.