Archive for the 'home equity' Category

Conforming loan limits should expire lower – how is a $729,000 government backed mortgage viewed as affordable housing when most families only make $50,000 a year?


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.


How many McDonald’s jobs does it take to purchase a California home? 10 to 25 percent price decline over the next five years will prove to be optimistic. Can Americans stomach a second housing crash?


Financial and psychological double dip for real estate – How new economic news will feed into lower home prices as incomes remain stagnant. Only 11 percent of recent loan volume in the first quarter dealt with purchases.


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