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Foreclosure Filings Hit Record Number of Properties in 2010 - 01/17/11 08:25 AM
COURTESY OF MORTGAGE NEWS DAILY Foreclosure Filings Hit Record Number of Properties in 2010 by Jann Swanson January 13, 2010 One in every 45 U.S. housing units was the subject of a foreclosure filing in 2010, a year in which a total of 3,825,637 such filings were recorded. Foreclosure filings include default notices, scheduled auctions and bank repossession. In all, 2,871,891 properties were affected by the filings, a new record. The numbers were reported by RealtyTrac on Thursday in its Year-End 2010 U.S. Foreclosure Market Report. The filings represented an increase of 2 percent from 2009 and 23 percent from 2008. RealtyTrac, (2 comments)
Mortgage Darwinism: Do You Have a Plan B for 2011 by C.M. "Corky" Watts, CMB January 13, 2011 Many of the mortgage bankers we visited last quarter were projecting an uptick in loan volume in 2011. They realized origination volumes in general would probably decline in 2011, but most were planning to pick up a few new branches and loan officers to offset the industry-wide forecast for a production slowdown. I suppose some companies will find success in their attempts to hire more originators, but not every operation will be able (0 comments)
waterfront with a view - 01/15/11 03:26 AM
a little nature to share mid-month january 2011! hope your day sails along! happy saturday!!! mare (0 comments)
Over the past year we've given much attention to the lack of common sense that continues to pervade the mortgage industry. As part of the discussion we recently raised the question of whether or not the home loan underwriting process is too reliant on the FICO model. READ MORE: Does the Mortgage Industry Rely Too Heavily on Credit Scoring Models? However before posing that question we performed a fair amount of research on the FICO model and addressed (2 comments)
COURTESY OF MORTGAGE NEWS DAILY WSJ: "Mortgage Rules Delayed In Regulator Spat" BY Adam Quinones January 7, 2011 The Dodd- Frank Bill has laid out a pathway for future operations in the financial services arena. However, the road has not yet been paved. The job of laying the pavement has been left to individual industry regulators who had 270 days from the date of passage to develop, write, publish, submit for comment and issue as final the regulation which will govern our business for the foreseeable future. That put regulators on an April deadline. SURPRISE! Regulators aren't ready. How could (0 comments)
Does the Mortgage Industry Rely Too Heavily on Credit Scoring Models? - 01/10/11 09:35 PM
COURTESY OF MORTGAGE NEWS DAILY Does the Mortgage Industry Rely Too Heavily on Credit Scoring Models? by Cindi Dixon January 10, 2010 Few factors affect the mortgage lending process as much as a borrower's credit score. Mortgage bankers and their Wall Street counterparts have long relied on the FICO score to judge the ‘credit worthiness’ of the borrower. When determining pricing on the sale or purchase of millions of dollars of mortgage loans, quantitative analysts known as tape crackers use the individual credit scores as one of the primary data points considered in their pricing models. For individual borrowers, their credit (0 comments)
Mortgage Borrowers Take Some Responsibility. Banks Still Blamed - 01/10/11 05:55 AM
COURTESY OF MORTGAGE NEWS DAILY Mortgage Borrowers Take Some Responsibility. Banks Still Blamed by Adam Quinones January 6, 2010 On Monday I wrote a heated commentary on the suspected back door bailout of Bank of America which essentially called out every participant in the housing finance system as a culprit behind this oh so brutal economic meltdown and corresponding loss of investor confidence. Of course our most vocal readers had very harsh words for the "too big to fail" bankers. Here is an excerpt from that commentary... "Everybody involved in the home buying process played a role in reps and warrants (3 comments)
a reminder that we have a responsibility to the land..............
You must teach your children that the ground beneath their feet is the ashes of your grandfathers. So that they will respect the land, tell your children that the earth is rich with the lives of our kin. Teach your children what we have taught our children, that the earth is our mother. Whatever befalls the earth befalls the sons of the earth. If men spit upon the ground, they spit upon themselves. This we know: The earth does not belong to man; man belongs to the earth. (2 comments)
by Adam Quinones JANUARY 6, 2011 Yesterday we called attention to a Caroline Baum column on Bloomberg that suggested housing needs an act of God for home prices to recover quickly. Below is an excerpt from her commentary... How I Missed the ‘Housing Recovery' of 2010: Caroline Baum "The U.S. just experienced the biggest speculative boom/bust in housing in history, a massive outward shift in the supply curve. Anyone expecting home prices to rise in the face of a glut of unsold homes is counting on either (0 comments)
Loan Buyback Saga Far From Over. Blame Cannot Be Localized - 01/05/11 06:19 AM
COURTESY OF MORTGAGE NEWS DAILY Loan Buyback Saga Far From Over. Blame Cannot Be Localized by Adam Quinones January 4, 2010 Of course news that Bank of America had settled GSE repurchase claims on loans written by Countrywide (for pennies on the dollar) brought out a chorus of back door bailout boo birds. But I must remind, the fun part isn't over yet! Al Yoon and Tom Hals write on the mess that has yet to be cleaned up.... I called attention to a few specific comments because they highlighted the confusion that arises when private investors attempt to prove a (0 comments)
Bill Berliner: Mortgage Market Predictions for 2011 - 01/04/11 06:42 PM
COURTESY OF MORTGAGE NEWS DAILY Bill Berliner: Mortgage Market Predictions for 2011 by Bill Berliner jANUARY 3, 2011 Originally published in the January 2011 issue of Asset Securitization Report (www.sourcemedia.com). While not quite the same as the agonies of 2007 and 2008, 2010 was another calamitous year for the mortgage and MBS markets. Here are my expectations on a variety of topics for 2011. Agency MBS I expect pressure on spreads to widen for at least the first half of the year. The various Fed programs to stimulate the economy are negative for mortgages, and there is also the possibility of (0 comments)
the rapture of living - 01/03/11 06:45 AM
Once I knew only darkness and stillness...my life waswithout past or future...but a little word from the fingersof another fell into my hand that clutched at emptiness,and my heart leaped to the rapture of living... ~Helen Keller
each individual learns to see in a myriad of ways. to see the beauty of a sunset, the mistakes of the past, the lessons learned, the life well-lived or wasted, the heart given freely to another, the future in one's children, the kindness we extend to others, the poverty of many, the dignity with which those who have little make much of it.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.