Tag: Mortgage loan

Student Loan Delinquencies are Sky High

Courtesy of: Visual Capitalist Simple arithmetic shows one of these loans is not like the other What do you get when you combine skyrocketing tuition costs,...

Seller Financing After Dodd-Frank

The provisions of Dodd-Frank have been in place just under a year and a half, having come into effect on January 10, 2014, and...

Give Lenders More Time to Implement New Borrower Disclosure Rules

The Consumer Finance Protection Bureau (CFPB) will soon implement new rules to better inform borrowers about their mortgage loans and give them more accurate...

Caregiver Loans: Keeping Money in the Family

Could there be a way to help senior homeowners with their-cash flow needs without saddling them — and ultimately their families — with high...

The Myth That Mortgage Credit Is Really Tight

"I've been surprised that housing hasn't recovered more robustly than it has. In part, I think it reflects very tight credit ... for any...

Tight Credit Has Hurt Minority Borrowers The Most

African American and Hispanic households have been disproportionately affected by overly tight mortgage lending standards—and they constitute a surprisingly large share of the 4...

Real Estate May Be Cheap, But Mortgages Very Hard To Come...

America’s mortgage finance market is still recovering from its housing crisis hangover. In normal times, homeownership is not a financial home run. Home values over the...

Credit Scoring: Demystified

What exactly is a credit score, and why is it so important? If you’ve been unlucky enough to be turned down for a mortgage,...

Revisiting ‘Subprime’ Mortgages

“Subprime” has been a dirty word since the freewheeling mortgage lending spree that ultimately brought down the economy and propelled millions of homeowners into...

The Impact of Tight Credit Standards on 2009-13 Lending

Tight credit standards curbed mortgage lending activity from 2009 to 2013. Based on our estimates, if the cautious standards of 2001 had been in...