Dr. Housing Bubble Blog » fha loans http://www.doctorhousingbubble.com How I Learned to Love Southern California and Forget the Housing Bubble Tue, 07 Feb 2012 23:56:56 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 The future of the young American homebuyer. Average foreclosure timeline jumps from 253 days in 2007 to 674 days in 2011. Homeownership rates for younger Americans point to significant issues in household income, demographic changes, and attitude shifts in the desire to buy a home. http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/ http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/#comments Fri, 06 Jan 2012 03:32:34 +0000 drhousingbubble http://www.doctorhousingbubble.com/?p=5225 http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/feed/ 57 Judgment day for housing shadow inventory already here – Foreclosure inventories reach an all-time high. FHA and GSE loans only game in town. http://www.doctorhousingbubble.com/judgment-day-for-housing-shadow-inventory-at-peak-foreclosures-at-record-high-fha-gse-dominate-markets/ http://www.doctorhousingbubble.com/judgment-day-for-housing-shadow-inventory-at-peak-foreclosures-at-record-high-fha-gse-dominate-markets/#comments Thu, 01 Dec 2011 22:07:08 +0000 drhousingbubble http://www.doctorhousingbubble.com/?p=5135 http://www.doctorhousingbubble.com/judgment-day-for-housing-shadow-inventory-at-peak-foreclosures-at-record-high-fha-gse-dominate-markets/feed/ 52 Mark to fantasy model of real estate accounting. California property assessments down only 4 percent from peak but home values are down by 37 percent. FHA default rates surge. http://www.doctorhousingbubble.com/mark-fantasy-model-real-estate-accounting-california-property-assessments-down-taxes-fha-defaults-surge-again/ http://www.doctorhousingbubble.com/mark-fantasy-model-real-estate-accounting-california-property-assessments-down-taxes-fha-defaults-surge-again/#comments Tue, 15 Nov 2011 21:54:42 +0000 drhousingbubble http://www.doctorhousingbubble.com/?p=5090 http://www.doctorhousingbubble.com/mark-fantasy-model-real-estate-accounting-california-property-assessments-down-taxes-fha-defaults-surge-again/feed/ 92 Why a sizeable downpayment is so important for the long-term health of the mortgage market – Market data clearly shows that a low downpayment is directly related to higher mortgage delinquency rates. When loan-to-value exceeds 90 percent delinquency rates rise above 10 percent. http://www.doctorhousingbubble.com/mortgage-downpayment-important-longterm-health-of-mortgage-marekts-90-percent-ltv-and-higher-financially-damaging/ http://www.doctorhousingbubble.com/mortgage-downpayment-important-longterm-health-of-mortgage-marekts-90-percent-ltv-and-higher-financially-damaging/#comments Mon, 11 Jul 2011 18:29:45 +0000 drhousingbubble http://www.doctorhousingbubble.com/?p=4740 http://www.doctorhousingbubble.com/mortgage-downpayment-important-longterm-health-of-mortgage-marekts-90-percent-ltv-and-higher-financially-damaging/feed/ 90 FHA insured loans now cross a giant tipping point exceeding $1 trillion in book value at risk. The low down payment option with rising defaults that will require taxpayer bailouts of billions of dollars. http://www.doctorhousingbubble.com/fha-insured-loans-now-cross-a-giant-tipping-point-exceeding-1-trillion-in-book-value-at-risk-fha-loans/ http://www.doctorhousingbubble.com/fha-insured-loans-now-cross-a-giant-tipping-point-exceeding-1-trillion-in-book-value-at-risk-fha-loans/#comments Sun, 22 May 2011 15:51:55 +0000 drhousingbubble http://www.doctorhousingbubble.com/?p=4608 http://www.doctorhousingbubble.com/fha-insured-loans-now-cross-a-giant-tipping-point-exceeding-1-trillion-in-book-value-at-risk-fha-loans/feed/ 69