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• Branded members-only Investor portal to keep you front and center
• Sponsorship recognition throughout the site
• Login page for your investors - branded with your contact info and photo
• Branded investor dashboard with your info at the top of every page
• “Your Picks”- Flag your own “real deals” to show your expertise or your listings
• Feature properties to your subscribers with your own comments
• Add your listings and other property finds from around the nation
• Define your sales territory and baseline for real deals
• Instant spreadsheets and reports
• Your subscribers can search for properties nationally
• Embed the highly endorsed eRealAnalyzer Technology on your personal website (optional)
• Gain exposure to serious investors for FREE!

Here’s what your investors get:

• A list of the hottest REAL DEALS on properties in the areas you serve
• Properties you recommend both locally and nationally
• Compilation of listings from top national hot property sources such as foreclosures, distressed properties, fixer-uppers, bank owned and more — all in one location
• Automatically save properties from many online resources where the eRealAnalyzer is displayed
  Access to featured properties you spotlight
• Save individual properties and even keep notes on them
• Create a hot list of the top properties they are interested in right now
• Determine the best strategy for property purchase by comparing different scenarios side-by-side (10% down vs. 20% down or 6.5% rate vs. 7.5%)
• Instantly visualize financial metrics such as cash flow, cash-on-cash return and others
• Understand pre and post-tax scenarios of their investment
• Get property alerts that meet your investment criteria
• Save their detailed analysis to Excel
• Save search parameters to make future searches quicker and easier
• See live rental comps plotted on a map

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While rates on jumbo mortgages have historically been higher than rates on conforming loans, jumbo loans are still available, but often require the borrower to jump through several hoops and pay more for them.

Prior to the credit freeze, borrowers of jumbo mortgages could qualify for loans with a 5 percent down payment, credit scores of 620 and enough money in the bank to cover two months of payments. Now, borrowers typically must have six months’ reserves, a 700+ credit score and a down payment of at least 20 percent.

Securing a Jumbo: No Small Task [New York Times]

A study conducted by economists at the University of Chicago, Northwestern University and the European University Institute found that:

Up to 26% of U.S. homeowners who stop paying their mortgage may be doing so intentionally, not because they can’t make the payments but because they don’t want to put money into a house that’s worth less than what they owe. [The study] raises some doubt about the approach the Obama Administration has taken toward stabilizing the housing market.

We’d like to hear from our readers.  Have any of you decided to stop paying your mortgage because you’re under water?

Mortgage Defaults: Many Are Intentional, Study Finds [TIME]

“Affordability is no longer the driving issue in the housing market, and we believe prices still have a ways to fall in many areas before home prices reach their trough,” [a] Deutsche Bank analysts wrote.

The 15 areas with the highest probability of lower prices in 2011 each have a 99 percent chance, PMI said. They include Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa and Jacksonville in Florida; Riverside, Los Angeles, Santa Ana, Sacramento and San Diego in California; Las Vegas; Phoenix; Providence, Rhode Island; and Detroit.

Edison and Newark, in New Jersey, have a 97 percent and 96 percent chance, respectively. Nassau, New York, has a 92 percent chance. New York City showed an 88 percent chance of lower prices, according to PMI.

U.S. Home Prices to Fall Through 2011’s First Quarter [Bloomberg]

Analyzing 665,410 loans originated between 2005 and 2007 that subsequently became seriously delinquent, the Boston Fed found that only 3 percent of borrowers had their loans modified to lower monthly payments, and about 5.5 percent received workouts that did not result in lower payments.

Also, up to 45 percent of approximately 150,000 borrowers who received some kind of aid ended up in arrears again, but about 30 percent of delinquent borrowers were able to fix their problems without help from their lenders.

Lenders avoid redoing loans, Fed concludes [Boston Globe]

Be safe, have fun and enjoy your holiday weekend.  Below are some fun events going on in various cities around the country.

[Atlanta, GA] Fun on the Fourth: Atlanta Holiday Guide [City Search]
[Boulder, CO]The Best 4th of July Fireworks Shows in the Denver / Boulder Area [Associated Content]
[ Chicago, IL] Celebrating the Fourth of July in Chicago - 2009 [About.com]
[Fargo, ND] 4th of July Fargo ND [directory M]
[Las Vegas, NV] Fourth of July (In Las Vegas) [Review Journal]
[Manhattan, NY] Spare Times [New York Times]
[Memphis, TN] Fourth of July Celebrations In The Mid-South [wreg.com]
[San Francisco, CA] Holiday Weekend Schtuff: July 4, 5 and 6 [San Francisco Schtuff]

The backlog of seriously delinquent mortgages, which so far affects about 1 million borrowers, is a shadow over hopes for a rebound in the nation’s housing markets. It masks the full extent of the foreclosure crisis and threatens to depress prices even further just as some parts of the country are hinting at recovery. For lenders, it could portend even more financial losses tied to the mortgage meltdown.

Not Paying the Mortgage, Yet Stuck With the Keys [The Washington Post]

Delinquency rates on the least-risky mortgages more than doubled in the first quarter from a year earlier as U.S. efforts to help homeowners failed to keep pace with job losses that pushed more borrowers toward foreclosure.

Prime mortgages 60 days or more past due climbed to 2.9 percent of such loans through March 31 from 1.1 percent at the same point in 2008.

For all those investors out there, perhaps it’s time you snatch up some of these distressed properties?  Take a look here to see what’s available and Analyze.

Delinquencies Double on Least-Risky Loans, U.S. Says [Bloomberg]
Property Search [eRealInvestor.com]

Tax Credit for New Home Purchase [CA Franchise Tax Board]