Mortgage Trends

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

Published: October 14, 2010 by Kelly Kent

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

Published: August 20, 2010 by Kelly Kent

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...

Published: July 14, 2010 by Guest Contributor

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

Published: June 10, 2010 by Guest Contributor

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

Published: June 8, 2010 by Kelly Kent

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

Published: May 27, 2010 by Guest Contributor

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...

Published: April 29, 2010 by Kelly Kent

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

Published: April 2, 2010 by Kelly Kent

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

Published: February 23, 2010 by Kelly Kent

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...

Published: January 6, 2010 by Kelly Kent

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

Published: December 14, 2009 by Kelly Kent

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

Published: December 10, 2009 by Kelly Kent

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...

Published: November 16, 2009 by Guest Contributor

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

Published: November 9, 2009 by Guest Contributor