{"id":4633,"date":"2013-04-02T13:04:42","date_gmt":"2013-04-02T13:04:42","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=4633"},"modified":"2013-04-02T13:04:42","modified_gmt":"2013-04-02T13:04:42","slug":"mortgage-counseling-pays-off-study-shows","status":"publish","type":"post","link":"http:\/\/www.anthonydidonato.net\/wordpress\/mortgage-counseling-pays-off-study-shows\/","title":{"rendered":"Mortgage Counseling Pays Off, Study Shows"},"content":{"rendered":"

Mortgage Counseling Pays Off, Study Shows.<\/h2>\n
\"Mortgage<\/a>

Mortgage Counseling Pays Off, Study Shows. Image courtesy of Stuart Miles \/ FreeDigitalPhotos.net<\/p><\/div>\n

 <\/p>\n

Home buyer counseling leads to significantly lower mortgage default rates, according to a new study by NeighborWorks America.<\/p>\n

The study found that borrowers who went through a prepurchase counseling program were nearly a third less likely than non-counseled borrowers to fall behind on their mortgage payments by 90 days or more in the first two years following closing. NeighborWorks evaluated 75,000 mortgages that originated from 2007 to 2009.<\/p>\n

\u201cBefore you kind of tie somebody into a loan, you should be encouraging them to go to prepurchase education and counseling,\u201d Eileen Fitzgerald, NeighborWorks chief executive, said about the study\u2019s findings for lenders. \u201cYou will make more money off of that person.\u201d<\/p>\n

But counseling programs differ in how they\u2019re delivered and there\u2019s been no research on which model works best, says David Stevens, the chief executive of the Mortgage Bankers Association, about the study\u2019s findings. \u201cMy own subjective view is that face-to-face is probably the best,\u201d Stevens told The New York Times.<\/p>\n

Source: \u201cMortgages: The Benefits of Counseling<\/a>,\u201d The New York Times (March 28, 2013)<\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Mortgage Counseling Pays Off, Study Shows.   Home buyer counseling leads to significantly lower mortgage default rates, according to a new study by NeighborWorks America. The study found that borrowers who went through a prepurchase counseling program were nearly a third less likely than non-counseled borrowers to fall behind on their mortgage payments by 90 … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-4633","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nMortgage Counseling Pays Off, Study Shows - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"description\" content=\"Mortgage Counseling Pays Off, Study Shows. 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