This spring’s high level of margin calls on top of rapidly rising forbearance rates have put the mortgage industry in a dangerous position.
The Fed’s purchase of mortgage-backed securities has a big downside for lenders
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Creating Carryback Financing
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Home prices, savings and bankruptcies in a pandemic; Monthly Statistical Update (May 2020)
Home prices are propped up by low interest rates, for now; Saving opportunities narrow in California; Personal bankruptcies set to rise
Forbearance requests increase 100-fold in just seven weeks
Nationally, 7% of mortgages were in forbearance in mid-April.
The cost of a home office deduction
What qualifies a real estate licensee to write off home office expenses?
Mortgage credit availability declines as recession certainty sets in
Lenders are walking a tightrope this spring.
Falling interest rates keep Buyer Purchasing Power Index positive in Q1 2020
California’s Buyer Purchasing Power Index (BPPI) was +8.9 in Q1 2020.
Treasury yields go negative: what it means for real estate
For the housing market, this domino effect of lower long-term yields translates to lower interest rates on FRM rates.
Recession anticipation send rates down, refinances up; Monthly Statistical Update (April 2020)
Negative yield spread forecasts 2020 recession; FRM rates hit record lows; Refinances to continue their rise
Are we heading toward a foreclosure crisis in 2020?
We are in the middle of a unique, global economic moment and the end result is still out of reach.