Archive for the 'fha loans' Category

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.


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.


FHA insured loans dominate top 20 metro areas – The near nothing down mentality is the new rage in the housing market. FHA loans showing massive delinquency rates and have the potential of costing the taxpayer $100 billion in another bailout.


FHA low down payment buyers and cash investors dominate Southern California housing market – Not a healthy market when over 63 percent of sales come from these two groups. Move up sellers unable to shift because of negative equity.


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