Mortgage Trends

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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 –...

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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...

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Loan modifications – another use for credit attributes...

A recent article in the Boston Globe talked about the lack of incentive for banks to perform wide-scale real estate loan modifications due to...

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Does mortgage strategic default really exist? Part 3...

In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...

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Does mortgage strategic default really exist? Part 2...

In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...

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Loan modifications – impact on consumer credit s...

By: Kari Michel The U.S. government and mortgage lenders have developed various loan modification programs to help homeowners better manage their mortgage debt so that...

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Does mortage strategic default really exists?...

By: Tracy Bremmer There has been a lot of hype these days about people strategically defaulting on their mortgage loans. In other words, a...

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