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	<title>Dr. Housing Bubble Blog &#187; option arms</title>
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	<link>http://www.doctorhousingbubble.com</link>
	<description>How I Learned to Love Southern California and Forget the Housing Bubble</description>
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		<title>Reversal of real estate fortune – How option ARMs went from low grade toxic mortgages to boon for home debtors and banks.  Financial generosity of moral hazard.</title>
		<link>http://www.doctorhousingbubble.com/reversal-real-estate-fortune-option-arms-went-from-low-grade-toxic-mortgages-to-boon-for-home-debtors-banks/</link>
		<comments>http://www.doctorhousingbubble.com/reversal-real-estate-fortune-option-arms-went-from-low-grade-toxic-mortgages-to-boon-for-home-debtors-banks/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 16:15:52 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[loan modifications]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4725</guid>
		<description><![CDATA[Option ARMs are arguably the most devious, insidious, and deceptive mortgage products to spawn out of the housing bubble mania.  For those of you only starting to follow the housing market in the last year or so, an option ARM was essentially a mortgage product that sought to lower the monthly payments with extremely high [...]]]></description>
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		<slash:comments>31</slash:comments>
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		<title>Financially dreaming in California – 50 percent of California households with a mortgage cannot afford the home they are living in.  The lingering effects of Alt-A mortgages and negative equity.</title>
		<link>http://www.doctorhousingbubble.com/financially-dreaming-california-50-percent-california-owners-mortgage-cannot-afford-home-negative-equity-option-arm-mortgages/</link>
		<comments>http://www.doctorhousingbubble.com/financially-dreaming-california-50-percent-california-owners-mortgage-cannot-afford-home-negative-equity-option-arm-mortgages/#comments</comments>
		<pubDate>Sun, 16 Jan 2011 16:56:04 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[Keeping up with the Joneses]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4153</guid>
		<description><![CDATA[Debt is not a source of income.  I have on occasion watched a few budget makeover shows where a family that spends more than they earn suddenly gets an epiphany that debt is not part of your household income.  Many American families have been conditioned via Pavlovian methods to assume that home equity and credit [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/financially-dreaming-california-50-percent-california-owners-mortgage-cannot-afford-home-negative-equity-option-arm-mortgages/feed/</wfw:commentRss>
		<slash:comments>58</slash:comments>
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		<title>Revisiting option ARM data – Bank of America, Wells Fargo, and JP Morgan still have over $160 billion in option ARM loans outstanding.  Over 250,000 option ARMs in California still active.</title>
		<link>http://www.doctorhousingbubble.com/revisiting-option-arm-data-3-big-banks-option-arm-2010-update/</link>
		<comments>http://www.doctorhousingbubble.com/revisiting-option-arm-data-3-big-banks-option-arm-2010-update/#comments</comments>
		<pubDate>Thu, 23 Sep 2010 16:50:13 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[pay option arm]]></category>
		<category><![CDATA[real-estate]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3745</guid>
		<description><![CDATA[In the last year, very little analysis has been done regarding the option ARMs floating out in the market.  Part of this has to do with the fact that option ARMs are really a problem for a handful of states.  California and Florida lead the charge with option ARMs so this may keep national analysts [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/revisiting-option-arm-data-3-big-banks-option-arm-2010-update/feed/</wfw:commentRss>
		<slash:comments>38</slash:comments>
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		<title>Countrywide and Pay Option ARMs on trial – The most toxic mortgage ever invented by mankind is now under trial by the SEC with Countrywide.</title>
		<link>http://www.doctorhousingbubble.com/countrywide-and-pay-option-arms-on-trial-angelo-mozilo-sec-trial/</link>
		<comments>http://www.doctorhousingbubble.com/countrywide-and-pay-option-arms-on-trial-angelo-mozilo-sec-trial/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 16:47:19 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[bank failure]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgage-fraud]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3623</guid>
		<description><![CDATA[You may or may not know that Angelo Mozilo, former president of toxic mortgage superstar Countrywide Financial is fighting against fraud charges brought on by the SEC.  Countrywide based out of Calabasas California was one of the original option ARM specialists.  Option ARMs are absolutely the worst kind of mortgage ever devised and the current [...]]]></description>
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		<slash:comments>46</slash:comments>
		</item>
		<item>
		<title>5 reasons why the California real estate market will weaken from August to December of 2010:  California budget delay, inventory growth, and three other important factors.</title>
		<link>http://www.doctorhousingbubble.com/5-reasons-california-real-estate-weak-for-2010-real-estate-inventory-growth-budget-issues/</link>
		<comments>http://www.doctorhousingbubble.com/5-reasons-california-real-estate-weak-for-2010-real-estate-inventory-growth-budget-issues/#comments</comments>
		<pubDate>Sun, 01 Aug 2010 19:46:21 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[california budget]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[tax credit for real estate]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3509</guid>
		<description><![CDATA[The party is largely over for California real estate.  Lost in the mix of all the economic news is the grim reality that we still don’t have a budget for the state.  We are facing another five weeks delay and days closer to issuing IOUs yet again.  Yet this information is still flying underneath the [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/5-reasons-california-real-estate-weak-for-2010-real-estate-inventory-growth-budget-issues/feed/</wfw:commentRss>
		<slash:comments>86</slash:comments>
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