Tag: real estate

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Boomerang Buyers: Opportunity to build market share or...

Time heals countless things, including credit scores. Many of the seven million people who saw their VantageScores drop to sub-prime levels after suffering a...

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HELOC activity on the rise...

According to the latest Experian-Oliver Wyman Market Intelligence Report, home equity line of credit (HELOC) originations warmed up significantly heading into...

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Mortgage originations increase significantly year over...

To learn the status of Americans' current credit card spending, Credit.com recently compiled a list of the states with the highest average bankcard balance...

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The irony in real estate originations...

In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...

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Consumers’ Personal Debt Ceiling...

With the raising of the U.S. debt ceiling and its recent ramifications consuming the headlines over the past month, I began to wonder what...

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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...

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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...

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US interest rates are at historically low...

US interest rates are at historically low levels, and while many Americans are taking advantage of the low interest rates and refinancing their mortgages,...

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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...

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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...

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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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Regional difference can make the difference...

For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...

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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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