Mortgage Trends

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Solar Financing – The current and future catalyst behi...

By: Scott Rhode This is the second of a three-part blog series focused on the residential solar market looking at; 1) the history of...

Read More Solar Financing – The current and future catalyst behind the booming residential solar market (Part II)
Solar Financing — The current and future catalyst behi...

By: Scott Rhode This is the first of a three-part blog series focused on the residential solar market looking at; 1) the history of...

Read More Solar Financing — The current and future catalyst behind the booming residential solar market (Part I)
Homeowners are borrowing again, as HELOC lending incre...

Experian–Oliver Wyman data reports $120 billion in new home-equity credit loans in past year;Q2 2014 saw new mortgage originations totaling $292 billion Mortgage origination...

Read More Homeowners are borrowing again, as HELOC lending increased 27 percent in Q2 2014
Strategic Default in the Media...

By: Kari Michel The topic of strategic default has been a hot topic for the media as far back as 2009 and continues as this...

Read More Strategic Default in the Media
Renters Now Have the Opportunity to Establish or Rebui...

By: Kari Michel In January, Experian announced the inclusion of positive rental data from its RentBureau division into the traditional credit file. This is great...

Read More Renters Now Have the Opportunity to Establish or Rebuild Credit
Are “fallen angels” a key to economic grow...

As our newly elected officials begin to evaluate opportunities to drive economic growth in 2011, it seems to me that the role of lenders...

Read More Are “fallen angels” a key to economic growth?
Foreclosure freezes are not just a mortgage issue...

With the issue of delayed bank foreclosures at the top of the evening news, I wanted to provide a different perspective on the issue...

Read More Foreclosure freezes are not just a mortgage issue
Will increased joblessness drive another set of strate...

With the news from the Federal Reserve that joblessness is not declining, and in fact is growing, a number of consumers are going to...

Read More Will increased joblessness drive another set of strategic defaults
The inclusion of renters’ payment history leads to bet...

By: Staci Baker For the one-third of the U.S. population that rents, in the past, rental payment history has not been included in determining...

Read More The inclusion of renters’ payment history leads to better property management
As credit risk increases, how do you find creditworthy...

By: Staci Baker With the increase in consumer behaviors such as ‘strategic default’, it has become increasingly difficult during the past few years for...

Read More As credit risk increases, how do you find creditworthy consumers?
Credit Unions and the Family Farm – common bonds...

I recently attended a conference where Credit Union managers spoke of the many changes facing their industry in the wake of the real estate...

Read More Credit Unions and the Family Farm – common bonds
Underwater homeowners – what keeps them in their homes...

By: Staci Baker As more people have become underwater on their mortgage, the decision to stay or not stay in their home has evolved...

Read More Underwater homeowners – what keeps them in their homes?
Unemployment and credit risk...

Since 2007, when the housing and credit crises started to unfold, we’ve seen unemployment rates continue to rise (9.7% in March 2010 *)  with...

Read More Unemployment and credit risk
Short Sales vs. Principal Forgiveness...

In the past few days I’ve read several articles discussing how lenders are taking various actions to reduce their exposure to toxic mortgages –...

Read More Short Sales vs. Principal Forgiveness
Credit Risk and the Prime Consumer...

A recent January 29, 2010 article in the Wall Street Journal * discussing the repurchasing of loans by banks from Freddie Mae and Fannie...

Read More Credit Risk and the Prime Consumer