I used to keep an email folder where I would save all annual mortgage industry “prediction” articles. The following year, I reviewed them to see who was closest to accurate, who was furthest from the truth — which crystal ball … Continue Reading

The housing market is always difficult to predict, with so many factors affecting prices and people’s opinions. With the election results still fresh in people’s minds and the upcoming Trump presidency, many are wondering whether home values will rise or … Continue Reading

I am selling a townhouse I bought zillions of years ago to the single woman who has been renting it for two decades. Yes, this plan hatched between the two of us slightly slower than the speed of light. Regardless, … Continue Reading

WHAT IS TRENDED CREDIT DATA? Credit scoring is a way that lenders predict whether a consumer will pay on time. This has typically been accomplished by generating a FICO score. Read more on FICO from previous blogs (scroll down to … Continue Reading

What do you think of this October 11, 2016 Wall Street Journal article’s opening sentence? “A federal appeals court delivered a strong rebuke to the government’s new consumer-finance watchdog, declaring the agency’s unusual independence to be unconstitutional, and ordering its … Continue Reading

I have a friend who is a conspiracy theorist. He told me a few months ago to watch for the “feds” to attempt to bring down a “big bank”. He had various explanations for this – the world order exerting … Continue Reading

WHAT? In an official release, the FHFA stated, “On September 6, 2008, FHFA used its authorities to place Fannie Mae and Freddie Mac into conservatorship. This was in response to a substantial deterioration in the housing markets that severely damaged … Continue Reading