Reform of Fannie Mae & Freddie Mac – Homeownership & Equity Protection Act

1.  

   1. After 12 years of Republican control, the Republicans failed to enact meaningful reform of Fannie Mae and Freddie Mac.

2.  

   1. In 1994 the Democratic Congress passed the Home Ownership & Equity Protection Act (HOEPA).

The Truth versus the Republicans on the Regulation of Subprime Mortgages and Fannie Mae and Freddie Mac

The Homeownership & Equity Protection Act

1. That law included a host of consumer protections for high-cost mortgages and specifically required that the Federal Reserve issue rules to stop abusive lending practices.
1. During the 12 years of Republican control – which included the subprime housing bubble at the heart of our current economic crisis – no regulation was ever enacted under that authority.
1. Former Fed Chairman Greenspan was asked numerous times to issue rules (including internally by Former Governor Ed Gramlich) but refused on ideological grounds.
1. Republican ideologues have long thwarted mortgage and consumer protection.
1. Only after the Democrats took control of the Congress and initiated specific legislative reforms (H.R. 3915) did Federal Reserve Chairman Ben Bernanke finally issue regulations under the very authority they have had since 1994.

Reform of Fannie Mae & Freddie Mac

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Orange County Property Appraiser

Mid-State Appraisals is Central Florida’s preferred residential real estate specialist providing high quality, competent appraisals in a timely manner.

Office: 325-242-9973

Cell: 352-636-6672

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Mid-State Appraisals founder Paul F. Davis has outstanding qualifications:

– State Certified Residential Real Estate Appraiser (License RD # 2667)

– Licensed Real Estate Broker (License BK # 161133)

– State Certified Building Contractor (License CBC # 040794)

– Over 20 Years of Professional Service to Central Florida

– Unparalleled Knowledge and Outstanding Experience

– Efficient, Attentive, and Committed to Clients Needs

Mid-State Appraisals is located in the middle of the State of Florida, based out of Clermont (“The Gem of the Hills” and National Triathlon Mecca).

Mid-State Appraisals provides professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Midstate Appraisals services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments. Expect a speedy, accurate, and no hassle appraisal.

All appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Mid-State Appraisals staff has 20 years combined real estate experience of appraising properties in Central Florida. They offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

http://www.midstateappraisals.org

midstateappraisals@earthlink.net

Paul Davis is a trusted and reputable property appraiser frequently called upon by Central Florida’s banks, homeowners, and savvy real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser. Born and raised in Orange County, Paul is intimately acquainted with the real estate market.

Paul’s company Mid-State Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Mid-State Appraisals for your next appraisal:

Office: 325-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Midstate Appraisals – Property Appraiser Serving Central Florida and Beyond

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values.  A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 352-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Mid State Appraisals is Central Florida’s preferred residential real estate specialist providing high quality, competent appraisals in a timely manner.

President and founder Paul F. Davis is a…

• State Certified Residential Real Estate Appraiser (License RD # 2667);
• Licensed Real Estate Broker (License BK # 161133); and
• State Certified Building Contractor (License CBC # 040794)
• Over 20 Years of Professional Service to Central Florida
• Unparalleled Knowledge and Outstanding Experience
• Efficient, Attentive, and Committed to Clients Needs

Mid State Appraisals is located in the middle of the State of Florida, based out of Clermont (“The Gem of the Hills” and National Triathlon Mecca). We provide professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Our services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments. Expect a speedy, accurate, and no hassle appraisal.

All of our appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Our staff has 20 years combined real estate experience of appraising properties in Central Florida. We offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

Appraiser King – Property Appraiser serving Central Florida and Beyond

Paul Davis is Central Florida’s favorite and most reputable property appraiser frequently called upon by banks, homeowners, and savvy real estate investors to assess property values.  A builder for over twenty years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul’s company Midstate Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 352-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org

Mid State Appraisals is Central Florida’s preferred residential real estate specialist providing high quality, competent appraisals in a timely manner.

President and founder Paul F. Davis is a…

·    State Certified Residential Real Estate Appraiser (License RD # 2667);

·    Licensed Real Estate Broker (License BK # 161133); and

·    State Certified Building Contractor (License CBC # 040794)

·    Over 20 Years of Professional Service to Central Florida

·    Unparalleled Knowledge and Outstanding Experience

·    Efficient, Attentive, and Committed to Clients Needs

Mid State Appraisals is located in the middle of the State of Florida, based out of Clermont (“The Gem of the Hills” and National Triathlon Mecca). We provide professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Our services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments. Expect a speedy, accurate, and no hassle appraisal.

All of our appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Our staff has 20 years combined real estate experience of appraising properties in Central Florida. We offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

 

Contact Paul Davis and Midstate Appraisals for your next appraisal:

Office: 352-242-9973

Cell: 352-636-6672

Fax: 352-242-4912

midstateappraisals@earthlink.net

http://www.midstateappraisals.org