Archive for February, 2008

A Look at GSE 2007 Earnings; Ouch!

Friday, February 29th, 2008

Freddie Mac and Fannie Mae may have gotten good news from their regulator which lifted the corporations' portfolio caps, but their earnings reports for the year just ended were pretty devastating. Read More Now

Huge Changes May be Coming for Lenders and

Thursday, February 28th, 2008

Bloomberg News reported on Wednesday that Fannie Mae is proposing to ban the use of appraisals by a lender's employees or those arranged by mortgage brokers. The proposed change would mean that Fannie Mae would no longer authorize its lending partners to use appraisers employed by a wholly owned subsidiary and, ...

Mortgage Rates and the Fed - Get it Straight !

Thursday, February 28th, 2008

I can't decide what was more troublesome yesterday: the comically uninformed questions put to Big Ben regarding mortgage rates, or the comically inaccurate article printed by CNBC on the same subject. Whatever the case, the media is awash with analysts, experts, officials, and laypersons offering rather strong opinions on a ...

GSE Portfolio Caps to be Lifted March 1

Wednesday, February 27th, 2008

The Office of Federal Housing Enterprise Oversight (OFHEO) announced Wednesday that it would be lifting the caps it had imposed several years ago to limit growth of Freddie Mac's and Fannie Mae's owned portfolios. Each of the GSE's has also been under a consent order which required them to, among other ...

New Home Sales and Prices Continue Seemingly Endless Decline

Wednesday, February 27th, 2008

The Census Bureau and the U.S. Department of Housing and Urban Development jointly released their monthly report on new home sales early Wednesday morning. The report showed new home sales declined once again, this time to a seasonally adjusted annual rate of 588,000 units. At the end of January there ...

Mortgage Rates Back Up to January Levels

Wednesday, February 27th, 2008

Mortgage rates continued to grow in the most recent week, now approaching very close to the level of interest rates at the beginning of the year. Mortgage application volume decreased... Read More Now

Case Shiller, OFHEO Reports Add to the General Housing Gloom

Tuesday, February 26th, 2008

Two reports on house prices were released on Tuesday and neither was happy news for homeowners or for the real estate industry. The S&P/Case Shiller U.S. National Home Price Index showed that the decline in house prices accelerated in the fourth quarter of 2007 with a... Read More Now

Are Programs Beginning to Slow Rate of Foreclosure Growth?

Tuesday, February 26th, 2008

Despite the many programs gearing up or in place to help homeowners resolve problems with their mortgages, foreclosure related activities continued to increase in January. But, perhaps partially because of these programs, the rate of increase appears to be slowing from the pace of previous months. Read More Now

Existing Home Sales and Prices Fall in January

Monday, February 25th, 2008

Existing-home sales including single family residences, condominiums, townhomes, and co-ops continued to move downward in January, as did their median prices according to the monthly survey released on Monday by the National Association of Realtors. Lawrence Yun, NAR chief economist, said many potential buyers remain on the sidelines. "Subprime loans and ...

California to Retrain Laid-off Mortgage Workers

Friday, February 22nd, 2008

California Governor Arnold Schwarzenegger has announced a massive program to address a number of aspects of the housing slump in the state which has probably been harder hit by its effects than any other. The various initiatives will use a variety of state and federal funds including a $5.6 million federal ...