Archive for the 'mortgages' Category

Conditioning the housing market to unsustainable policies – 5 charts highlighting the current landscape of the manipulated housing market.


Will 2012 begin the unclogging of 6,000,000 distressed properties? Over 40 percent of the 2 million active foreclosures stand with no payment in over two years and some with three years and more. Foreclosure starts surge 28 percent in last month of data. Mid-tier markets in Los Angeles and Orange County contract severely in 2011.


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 worst performing cities of Los Angeles County – Top 10 cities with annual price declines for 2011. The fundamental attribution error when applying a nationwide housing bottom to your bubble niche market.


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