Archive for the 'fha loans' Category

The down payment boogeyman – report finds requiring a 20 percent down payment would push out 60 percent of borrowers from qualified residential mortgages (QRMs). Those 29 to 34 acquired a mortgage for the first time in 1999 to 2001 at a 17 percent rate but that rate is now down to 9 percent.


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.


Judgment day for housing shadow inventory already here – Foreclosure inventories reach an all-time high. FHA and GSE loans only game in town.


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.


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