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All Posts Tagged With: "Mortgages"

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Wall Street, Mortgage Rates & The Web Of Debt

Wall Street is in the midst of the steep sell-off as this is written, but if you look at the world of mortgage rates things are not only looking good they’re looking better than they did a few weeks ago. The yield for 10-year Treasury securities is now below 2 percent for the first time […]

August 24th, 2015 | | 0 comments | Continued
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Why Credit Scores Are So Common

Credit scores have become more common in the last few years and one reason is that requirements under new federal lending rules. It’s not so much that lenders are required to hand out credit scores, rather the requirements are sufficiently vague that lenders give out the scores without cost to mortgage applicants to avoid any question […]

November 17th, 2014 | | 0 comments | Continued
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Real Estate: Why Neighborhood Crime Stats Are Wrong

Crime is a big problem and in the process of considering a move to a new city I wanted to see if I could compare crime rates between ZIP codes. I found a lot of numbers online and then stumbled onto a bastion of data sanity as well as a way to save nearly $150 […]

June 23rd, 2014 | | 0 comments | Continued
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Why Are Real Estate Expectations Falling?

There’s a lot of worry in the real estate industry because it turns out that 2014 is not shaping up as the year of expansion that many had expected. But why should anyone be surprised? Sure the economy is rebounding, but it’s not rebounding equally across the country. “Of the approximately 350 metro markets nationwide, […]

June 9th, 2014 | | 0 comments | Continued
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Is There Really A Real Estate Bust Ahead?

There are a number of signs that the real estate marketplace has begun to stall. Yes there are bright spots but on the whole things are hardly rosy. “After a decade of boom-bust-boom,” says Bloomberg Businessweek, “the U.S. housing market is going downhill just when many economists thought it would be heading higher. Sales of […]

May 12th, 2014 | | 0 comments | Continued
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Real Estate: Can Falling Pay Support Rising Home Values?

The real estate market is always a jumble of facts, stats and rumors. Each year seems to produce a fresh and fertile crop of worries and troubles, so I’d like to take a look at today’s pressing issues to see what’s real and what’s not. And get ready because there is one worry which is […]

April 8th, 2014 | | 0 comments | Continued
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Subprime Mortgages: 50 Shades of Risk

Subprime mortgages continue to be the riskiest type of mortgage you can get — and yet things are looking better for both subprime borrowers and subprime lenders. How can that be? Subprime mortgages are a form of financing designed for those with impaired credit. That’s a polite term for individuals who have low credit scores, […]

February 24th, 2014 | | 0 comments | Continued
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Are Mortgages On The Way Out?

Writing about mortgages and tiny houses, futurist Thomas Frey explains that “one of the biggest boat anchors for our lives tends to be our home and the gigantic home mortgage that comes with it. We sacrifice much for the sake of paying our mortgage.” (See: Why the Tiny Home Movement May Not Be So Tiny) […]

February 18th, 2014 | | 1 comment | Continued
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Why Subprime Mortgages Are Back

Subprime mortgages – once the bad boys of real estate lending – are coming back. Figures from the Federal Reserve Bank of St. Louis show that between 2007 and the start of 2013 subprime mortgages fell off the radar for most banks but now they have begun to make a significant comeback. What happened to […]

February 3rd, 2014 | | 0 comments | Continued
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Are All Subprime Mortgages Predatory Loans?

Subprime mortgages are typically loans with tough terms and high rates. So does this mean all subprime loans are examples of predatory financing? In the usual case the answer is no. Subprime mortgages are a form of financing which should be used only for borrowers with woeful credit, individuals with a history of failing to […]

January 27th, 2014 | | 0 comments | Continued