|
23rd September 2009
People are all clamoring to find ways to save their houses. So many people want to find the best way to stop foreclosure. Working through the process of home mortgage loan modification could just be their ticket to stop the impeding foreclosure on their p... Read >
Author: don robert23rd September 2009
Real Estate is as much up in the air as it was a year ago, when the housing bubble burst. Along with the immediate panic of a year ago, there has been steadily growing worry about real estate in general as an investment. How dependable is it, and who do... Read >
Author: Avi21st September 2009
Our government sets aside billions of dollars to be distributed as grants to states, cities, government institutions, private organizations, and individuals. While there aren't any government grants aimed at paying off the average citizen's credit card b... Read >
Author: Lindsy Emery16th September 2009
During the Go-Go years of mortgages (and other financial transactions) there were almost as many variations of mortgages
as there were prospective borrowers. Included in these mortgage loans were stated income loans, sub-prime loans, 100% loans, no doc ... Read >
Author: Ron Stone07th September 2009
The recent Financial Crisis can be traced down to a series of events, also referred to as "The Sub prime crisis"
It was characterized by a situation in 2007, wherein the financial sector comprising mainly of investment banks in US, collapsed. The inves... Read >
Author: Robert Palmer07th September 2009
Department of Housing and Urban Development Secretary Shaun Donovan proclaimed today the Federal Housing Administration has completed changes to its loan modifications initiative so that it will further tie in with President Obama's Home Affordable Modifi... Read >
Author: Loan Modification07th September 2009
The majority of people refinance their mortgages because they are being squeezed by the current loan terms. But there are other reasons for looking seriously at a refinancing strategy. The point of refinancing is to renegotiate what you pay. It’s import... Read >
Author: Norris Rios06th September 2009
There has been a sad trend since the turn of this century. Health insurance costs have been rising so fast that even large sections of the middle class now find it a struggle, if not impossible, to pay the premiums demanded by the insurers for private pla... Read >
Author: Norris Rios04th September 2009
No matter whether you’re a start-up or have been trading for generations, most small businesses operate out of a single industrial unit, office or shop. Thus, all the commercial eggs are in a single building. If anything serious happens to those premise... Read >
Author: Todd Jones02nd September 2009
If you have lived in your home for several years or more, it might be time to look into the refinance home mortgage option. As the housing market has slowed, the interest rates have fallen steadily and chances are you are paying a higher interest rate tha... Read >
Author: Morgan Hamilton30th August 2009
Let's face it, Wall Street is a scam. In the last few years we have had many scandals on Wall Street. First it was corporate fraud, then analysts and brokerage firms paying millions in fines for misleading investors. NYSE floor specialists charged with fo... Read >
Author: William Oedge21st August 2009
We are living in a time some are calling the “Great Recession”. I am not an economist by trade. However, the events over the past few years have lead me to take notice closer of what is going on globally with finances in general. I realize... Read >
Author: Abner21st August 2009
In spite of the state of the current economy, rates on home mortgages remain low. This may be an excellent time to investigate your options regarding the reduction of your monthly mortgage payment.
For the homeowner with a strong credit rating and sta... Read >
Author: Rahul Rungta11th August 2009
Making the payments on a monthly mortgage is a significant financial burden, especially when dealing with a mortgage that has an interest rate which increases over time. As a result, many families are currently on the brink of foreclosure, as the mortgage... Read >
Author: AnneMing11th August 2009
In current times, many families have found themselves facing one of the potentially most damaging financial events possible – foreclosure. Home foreclosures have been gaining publicity recently, as they are a sign of the dire financial situation around ... Read >
Author: AnneMing11th August 2009
Making the payments on a monthly mortgage is a significant financial burden, especially when dealing with a mortgage that has an interest rate which increases over time. As a result, many families are currently on the brink of foreclosure, as the mortgage... Read >
Author: AnneMing31st July 2009
For some unknown reason, it seems that whenever banks or lawyers are involved, rules and laws and changed and reinterpreted at will. The same institutions and people who were tasked with preventing abuse or fraud from running rampant in the economy too of... Read >
Author: Nick Adama28th July 2009
Bad credit mortgage loans make the American dream of home ownership a possibility even for people with less than perfect credit scores. Subprime loans (also called second chance lending) are usually granted to people with credit scores of less than 680. ... Read >
Author: Marcilio David25th July 2009
Bad credit mortgage loans make the American dream of home ownership a possibility even for people with less than perfect credit scores. Subprime loans (also called second chance lending) are usually granted to people with credit scores of less than 680. ... Read >
Author: Marcilio David21st July 2009
As is the American tradition, one of the hallmarks of our culture and an activity a majority of the population engages in at one time or another, as soon as the housing bubble burst, the lawsuits began. Homeowners sued loan originators and Realtors, inves... Read >
Author: Nick Adama18th July 2009
You constantly hear the comparisons of today’s tough times to those hideous economic events during the 1930’s Great Depression. Each day brings more skepticism on my part as I stand in amazement at what is happening today and what happened then (as f... Read >
Author: James Dicks16th July 2009
In today's economic climate, it can be difficult to keep faith in financial planning and investing very high. That's because most people thinking about financial planning during a rough economy - first-time investors and veterans alike - all focus on how... Read >
Author: Wesley Watkis16th July 2009
Since the invention of the jet engine, the world has become a smaller place. Journeys that used to take weeks by sea can be done in a single day by air. For some years, the cost of flying kept it a very exclusive club but, as prices dropped, more people t... Read >
Author: John Scott10th July 2009
Since the start of the housing bubble, close to 300 million homes have gone or are going in foreclosure. While this may sound like a nightmare to other populate especially the homeowners involved, it unquestionably presents an remarkable opportunity for i... Read >
Author: John Andrews29th June 2009
The recession and its side effects are everywhere. Despite stimulus packages and bailouts it continues to terrorize the entire humanity. So, when someone talks about starting a new business during such times, he is bound to get more brickbats than bouquet... Read >
Author: Dux Franchise28th June 2009
Copyright (c) 2009 Frank Patrick
Why the Housing Market Won�t Improve Soon
While most real estate agents and brokers are desperately searching for signs that the housing market is recovering, those signs are simply not there yet. The foreclosures... Read >
Author: Frank Patrick27th June 2009
Not everyone agrees there is a housing bubble which will have an impact on the entire economy, but how about one that has an impact on you? If your home was devalued, even temporarily, do you have the cash flow to sustain your credit or allow you to sell ... Read >
Author: kuldeep56018th June 2009
Lenders are known to be difficult when it comes to loan modifications but if you're behind on your house payments and can show that lowering those payments will make the home affordable again, you have a great chance of getting back on track with your len... Read >
Author: Robert Palmer18th June 2009
The Effect of Filing for Bankruptcy on a Home Foreclosure
In the years leading up the recent financial crisis, the housing bubble spurred a dramatic rise in new home ownership. At the same time, many of the nonconventional mortgage schemes (also known... Read >
Author: Justin Baxter15th June 2009
In a bad economy like today, a lot of people are reducing their expenses. One of the big things they won't do is home improvements.In a great economy, home improvements are all over. Contractors are busy and happy with all the work. But when the economy... Read >
Author: Mike15th June 2009
Those homeowners and property owners who need help with financing are looking at a remortgage loan as a way to hang on to the equity they have invested. Yet the so-called “housing bubble” that many financial experts have been warning about for years h... Read >
Author: sturat12th June 2009
Financial markets are fickle monsters. Whichever way the herd moves the market will go the other direction. During the Great Housing Bubble rally, prices were pushed up the herd mentality. As prices rose, more and more people were convinced prices would c... Read >
Author: Robert Bell12th June 2009
One of the unique characteristics of the Great Housing Bubble was the large increase in market participation among women, sometimes single women and sometimes as married women buying property on their own. Some amount of this is to be expected as single w... Read >
Author: Robert Bell12th June 2009
Like a Phoenix rising from the ashes, Subprime lending will make a comeback. Lenders focus on the three Cs: Creditworthiness, Capacity, and Collateral. Creditworthiness is measured by one's FICO score, Capacity is based on one's income, and Collateral is ... Read >
Author: Robert Bell11th June 2009
The course of a financial market, particularly the real estate market, is a long and winding road full of twists and turns and unexpected outcomes. It was certainly foreseeable that banks and builders might fail and the GSEs might need to be bailed out, b... Read >
Author: Robert Bell11th June 2009
Lending during the Great Housing Bubble was too messy. There were too many loan programs. Since real estate always goes up, and since people want immediate access to this appreciation to spend it like income, a new loan product which readily provides this... Read >
Author: Robert Bell09th June 2009
It all starts in the housing market. Realtors peddle fantasies of unlimited wealth that leads to people wanting to overpay for houses. The desire for real estate at any cost provides an opportunity for lenders and mortgage brokers to make huge origination... Read >
Author: Robert Bell07th June 2009
It’s known as a bubble but when it bursts, the after effects are definitely not pleasant (as they are when you pop a real bubble). When a real estate bubble (or housing bubble) goes off, it almost blows up the whole economy and leaves investors and prop... Read >
Author: William King06th June 2009
There is a great deal of price volatility in California. There are significant periods of time where house prices will appreciate faster than incomes increase. This is purely the result of irrational exuberance. Prices cannot rise faster than incomes on a... Read >
Author: Robert Bell05th June 2009
The conventional wisdom in California real estate is that you buy a home, and when it appreciates, you sell it and move up to a better home. There is some truth to this idea, but not in the way most people think.
Look at a hypothetical example. Assume... Read >
Author: Robert Bell05th June 2009
All bailout measures have embedded within them serious issues of moral hazard. Both lenders and borrowers were extremely foolish during the real estate bubble. To bail them out at the expense of the wise and prudent will discourage fiscally responsible be... Read >
Author: Robert Bell05th June 2009
Changing your mind on a stock purchase is relatively easy. Stocks are very liquid, and transaction costs are very low. However, changing your mind about a real estate transaction is not so easy. Real estate is very illiquid in a declining market, and the ... Read >
Author: Robert Bell05th June 2009
There is one potential market-based solution that would require no government regulation or intervention that would prevent future bubbles from being created with borrowed capital: change the method of appraisal for residential real estate from valuations... Read >
Author: Robert Bell04th June 2009
To fully understand what caused the housing bubble, one needs to examine some of the purported causes that are not valid because these often lead to incorrect policy initiatives. Bad policy initiatives include interest rate regulation, hedge fund regulati... Read >
Author: Robert Bell04th June 2009
My wife, Sally, and I have been following the Spanish property market since the beginning of the housing bubble in 2004. It was just when we first started to educate ourselves about economics and finances, that housing prices in Spain started going throug... Read >
Author: Daren Kyle02nd June 2009
The economic problems caused by asset price bubbles often lead to personal problems in the wake of the deflating bubble. Statistics about unemployment, foreclosure and bankruptcy are impersonal. The events that result in any one of these outcomes was anyt... Read >
Author: Robert Bell30th May 2009
As with any illness, the recovery is often plagued by symptoms of the disease and unwanted side effects. The recovery from the Great Housing Bubble will be no exception. The main problems will be experienced by those who bought at peak prices and did not ... Read >
Author: Robert Bell29th May 2009
In 2007 and 2008, house prices declined nationally for the first time since the Great Depression. From 2002 to 2006, there was a massive Ponzi Scheme of ever-increasing debt that fueled the Great Housing Bubble. People bought in to this Ponzi Scheme becau... Read >
Author: Robert Bell29th May 2009
The causes of financial crisis from which the world is currently suffering are many.
To start with, the onus of this crisis falls on the central banks of the nations. The central banks and their machinery had failed to regulate the financial market with ... Read >
Author: Robert Palmer20th May 2009
There are a number of factors that will influence the timing and the depth of the price decline. There are a number of psychological factors and technical factors in play. These include:
* Smaller Debt-to-Income Ratios
* Increasing Interest Rates and ... Read >
Author: Robert Bell19th May 2009
Many people decided to speculate in residential real estate markets during the Great Housing Bubble. Most were amateurs that had no idea what they were buying or why prices were increasing. The only thing they did know is that prices were going up, and th... Read >
Author: Robert Bell18th May 2009
So what happens when you give poor people money? They spend it. The stories of people who won the lottery and managed to spend themselves into bankruptcy a few years later are classic examples of the pathology of the beliefs of spenders. A great many Cali... Read >
Author: Robert Bell18th May 2009
Has the housing market bottomed out? Is it possible that home prices are going to continue falling? Will mortgage rates continue to go down? Will they go up? Aspiring homeowners most likely wonder what the market future holds and whether or not they shoul... Read >
Author: Lender41114th May 2009
There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. In the greed stage of a financial bubble, the bullish sentiment reaches a feverish pitch and prices rise very rap... Read >
Author: Robert Bell13th May 2009
There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. At the beginning of the enthusiasm stage of a financial bubble, prices are already inflated, so there is cautious... Read >
Author: Robert Bell13th May 2009
There is often a precipitating factor causing the initial price rally that pushes prices above their supported fundamental values. A bubble rally is usually kicked off by some exogenous event, but it may occur simply because prices have been rising and in... Read >
Author: Robert Bell13th May 2009
Committee Petitions U.S. Congress
The Committee for Economic Reform and a Better Economic Future petitioned the U.S. Congress today to hold open meetings to discuss and debate their Alternative Economic Stimulus Plan.
The economic stimulus plan does... Read >
Author: Leonard C Tekaat12th May 2009
Behavioral Finance abandoned the quest of the efficient markets theory to find a rational, mathematical model to explain fluctuations in asset prices. Instead, behavioral finance looked to psychology to explain asset valuation and why prices rise and fall... Read >
Author: Robert Bell12th May 2009
The efficient markets theory is the idea that speculative asset prices always incorporate the best information about fundamental values and that prices change only because new information enters the market and investors act in an appropriate, rational man... Read >
Author: Robert Bell11th May 2009
Are you looking for a way to advertise your home for cheap FSBO and don't know what to do? If you're wanting to DIY and simultaneously save time and money, then using a Cheap Flat Fee Realty is the best option. With today's economic market issues, Real Es... Read >
Author: kristiambrose11th May 2009
The options market is a speculator's paradise. Buying and selling options contracts requires a knowledge of how they work and what gives them value. During the Great Housing Bubble, residential mortgages took on the characteristics of options contracts. T... Read >
Author: Robert Bell08th May 2009
When house prices stopped their dizzying ascent in the Great Housing Bubble, many speculators found themselves with large monthly debt service costs and no income to offset expenses. Many chose to quit paying their mortgage obligations and allowed the pro... Read >
Author: Robert Bell07th May 2009
The housing market has experienced a serious collapse, the stock market has shed trillions of dollars of wealth, and the economy has entered into the worst downturn since the Great Depression. As a result, many Americans have lost trust in the companies a... Read >
Author: Nick Adama07th May 2009
The country may be in a recession, and that is certainly bad news for the real estate market. But North Carolina has proved to be a resilient state, and Charlotte in particular is showing signs of rejuvenation. If you are considering a move to Charlotte, ... Read >
Author: michael russell 06th May 2009
The housing bubble created a big mess in the global economy when it burst. Many homeowners who did not exactly qualify for a home mortgage based on income and credit were given loans by banks that were more than ready to make a quick buck as long as the h... Read >
Author: imvenjm0806th May 2009
The housing bubble created a big mess in the global economy when it burst. Many homeowners who did not exactly qualify for a home mortgage based on income and credit were given loans by banks that were more than ready to make a quick buck as long as the h... Read >
Author: imvenjm0806th May 2009
As a speculative investment, residential real estate has the potential to make or lose vast sums of money due to the impact of financial leverage (debt). Houses are typically leveraged at 80% of their value. During the Great Housing Bubble, this leverage ... Read >
Author: Robert Bell01st May 2009
The loan reset issue is not confined to those who bought late in the bubble rally of the Great Housing Bubble. Many borrowers are homeowners who refinanced to take advantage of more favorable loan terms. Most loans originated in the later stages of the bu... Read >
Author: Robert Bell27th April 2009
Affordability is the ultimate limit of any asset bubble. If prices are so high that no buyer can afford them, there are no transactions and thereby no market. The fear of many buyers in a financial mania is that prices will remain elevated to the absolute... Read >
Author: Robert Bell26th April 2009
The supply curve is the opposite of the demand curve: sellers will make very few units available at low prices, and sellers will make a great many available at higher prices. Wherever these two curves meet is where supply and demand are in balance and mar... Read >
Author: Robert Bell24th April 2009
Affordability is a measure of people's ability to raise money to obtain real estate. It is often represented as an index that compares the cost to finance a median house price to the percentage of the general population with the income to support this hou... Read >
Author: Robert Bell22nd April 2009
There are a number of fallacies about residential real estate that either affirm the belief in perpetually rising prices or minimize the fears of a price decline. These fallacies generally revolve around a perceived shortage of housing or a belief that th... Read >
17th April 2009
The cumulative impact of the decisions of buyers is represented in the debt-to-income ratios, how much each household pays to borrow versus how much they make. Comparing the trends in debt-to-income ratios provides a great tool for elucidating the behavio... Read >
Author: Robert Bell17th April 2009
Price-to-rent ratios represent the cost of a dwelling unit relative to the cost of a comparable dwelling unit. This ratio is also subject to the same variability exhibited by the price-to-income ratio. This is not surprising considering rent is generally ... Read >
Author: Robert Bell17th April 2009
Price-to-income ratios represent the amount borrowed relative to the incomes of the borrower. There are many variables that impact house prices, and some of the variability in prices over time can be attributed to changes in these variables; however, sinc... Read >
Author: Robert Bell16th April 2009
Who is responsible for the Great Housing Bubble? It is one thing to identify who or what caused the bubble, but it is another to assign responsibility and blame. Borrowers, lenders, investors, and the FED are all responsible; it is only a matter of degree... Read >
Author: Robert Bell15th April 2009
The Great Housing Bubble can be visualized with a simple thought experiment. Imagine a room with 100 people representing the pool of subprime borrowers. These are new entrants to the market. They were previously unable to buy due to bad credit, lack of sa... Read >
Author: Robert Bell15th April 2009
Candida albicans is a normal inhabitant of your digestive tract and sinuses. Candida glabrata is a normal inhabitant on your skin. New research is showing that Candida glabrata is turning increasingly more hostile, can rapidly change its genome to become ... Read >
Author: Byron J. Richards15th April 2009
The solution to preventing future bubbles in the residential real estate market lies in the market for collateralized debt obligations and conforming loans insured by the government sponsored entities (GSEs). The GSEs created the secondary mortgage market... Read >
Author: Robert Bell10th April 2009
There are three methods of appraising the resale value of residential real estate: the comparative-sales approach, the cost approach, and the income approach. The comparative-sales approach uses recent sales of similar properties in the market because com... Read >
Author: Robert Bell09th April 2009
Since last around a year, the American economy had been weakening due to souring food and oil prices and substantiated by the burst of the housing bubble. The slowdown of American economy had pushed this Super Power in a state of deep recession. This rece... Read >
Author: Yogindernath08th April 2009
Collateralized debt obligations (CDOs) are asset-backed securities formed from bundles of residential mortgages. These structures provided the capital delivery mechanism that helped inflate the Great Housing Bubble. CDOs are merely a tool. If used appropr... Read >
Author: Robert Bell07th April 2009
Structured finance is an innovation of the finance industry on Wall Street. It is a method of redistributing risk based on complex legal and corporate entities such as corporations, limited liability companies or some other kind of legal entity capable of... Read >
Author: Robert Bell05th April 2009
The Great Housing Bubble was not really about housing; it was about credit. Most financial bubbles are the result of an expansion of credit, and the Great Housing Bubble was no exception. Housing just happened to be the asset class into which this capital... Read >
Author: Robert Bell01st April 2009
The negotiating abilities of buyers and sellers and the overall market environment greatly impact the profits from real estate. Sellers almost universally believe their properties are worth more than the market will bear. People become emotionally attache... Read >
Author: Robert Bell27th March 2009
The investment value of a property can only be measured against other investment opportunities available to an investor. If investors can earn 4.5% by investing in government treasuries, they will demand a higher return to invest in an asset as volatile a... Read >
Author: Robert Bell27th March 2009
When a borrower takes out a home loan, the interest is tax deductible up to a certain amount. For borrowers in the highest marginal tax bracket, the savings can be significant, and this can make a dramatic difference in the true cost of ownership. However... Read >
Author: Robert Bell25th March 2009
A house should not be viewed as an investment. When investments go bad, it causes financial hardship and anguish. When the bad financial investment is a family home it ruins everything. The joyous memories that are supposed to be associated with a person'... Read >
Author: Robert Bell25th March 2009
It seems lenders forget basic facts about lending every so often and create a new financial bubble. Perhaps they succumb to the pressure of the investment community or their own shareholders, or perhaps they just start believing their own "innovation" mar... Read >
Author: Robert Bell21st March 2009
The Great Housing Bubble witnessed many foolish ideas and beliefs about real estate. Among the most foolish was the idea that prices went up because everyone wants to live wherever they are. When rational arguments fail to explain something, it is only na... Read >
Author: Robert Bell19th March 2009
Exotic loan financing terms took over mortgage finance in the Great Housing Bubble. As people using these loan programs began to default in large numbers, exotic loan programs all but disappeared. This left the 30-year, fixed-rate, conventionally amortize... Read >
Author: Robert Bell17th March 2009
Allen Greenspan or the Federal Reserve did not cause the housing bubble. It was the policy of using interest rates to manage the money supply and credit use. The economic crisis started in the United States and spread to the rest of the world. Our financi... Read >
Author: Leonard C Tekaat13th March 2009
A negative amortization loan is any loan where the monthly payment does not cover the monthly interest expense. Interest-only or conventionally amortizing loans do not have this feature, and the monthly payments are based on the interest rate charged and/... Read >
Author: Robert Bell13th March 2009
There are 3 main categories of loans: Conventional, Interest-Only, and Negative Amortization. The distinction between these loans is how the amount of principal is impacted by monthly payments. Conventional loans pay off the debt, interest only loans neit... Read >
Author: Robert Bell13th March 2009
The initial equity in a home is equal to a purchaser's downpayment. If a buyer pays cash for a home, all equity is initial equity. There is an opportunity cost associated with downpayment money. This cost should be considered when someone considers buying... Read >
Author: Robert Bell13th March 2009
The epicenter of the Great Housing Bubble is located in Irvine, California. One of the primary causes of the bubble was the lowering of lending standards and the extension of credit to people who could not handle the responsibility: Subprime borrowers. Th... Read >
Author: Robert Bell12th March 2009
Even if your business is in relatively good shape... it's difficult not to get completely caught up in the uncertainty and fear that's gripping many people.
We'll have to patient while the past financial excesses -- such as massive consumer debt loads,... Read >
Author: Guerrilla Profits10th March 2009
People have not fully grasped the changes that will result from the deflation of The Great Housing Bubble. There are many historic parallels with the closest being The Great Depression. When the stock market bubble of the 1920s began to deflate in late 19... Read >
Author: Robert Bell10th March 2009
The next big psychological change to impact housing will be a change in homebuyer's relationship with debt. When prices were going up, and nobody thought they were going to have to pay the debt off themselves, people borrowed all they could. Once prices s... Read >
Author: Robert Bell10th March 2009
The difficult problem with affordable housing is how to provide it without making it unaffordable. Finance is not the answer. We all want affordable housing. There are numerous government programs designed to provide low-cost rental and ownership properti... Read >
Author: Robert Bell09th March 2009
The parameters of the forming limitations on the debt-to-income ratio and combined-loan-to-value are essential to prevent bubbles in the housing market and to prevent the banking system from becoming imperiled in the future. Loan amounts much be tethered ... Read >
Author: Robert Bell09th March 2009
One of the most egregious practices of the Great Housing Bubble was the fabrication of income by borrowers that was facilitated and promoted by originating lenders. Stated-income loan programs were widespread, and they were the cause of much of the uncert... Read >
Author: Robert Bell06th March 2009
The present the economic slowdown in our economy has been long coming. In 2002, we were in the clutches of an economic recession when the dot com bubble burst. But, we were given a reprieve when the housing bubble filled the vacuum and now that the housin... Read >
Author: Robert Palmer05th March 2009
Investor confidence in the market for CDOs and all mortgages was shaken during the decline of the Great Housing Bubble, and rightly so. Investors were losing huge sums, and nobody clearly understood why. There was a widespread belief these losses were cau... Read >
Author: Robert Bell04th March 2009
The present the economic slowdown in our economy has been long coming. In 2002, we were in the clutches of an economic recession when the dot com bubble burst. But, we were given a reprieve when the housing bubble filled the vacuum and now that the housin... Read >
Author: Robert Palmer25th February 2009
Experts are of the opinion that the mortgage crisis is perhaps the biggest financial shock the country has been subjected to following the Great Depression of the 1930s and early 1940s. The subprime mortgage crisis in USA which erupted due to the bursting... Read >
Author: Cachet Gomes24th February 2009
The number of foreclosures will affect both the timing and the severity of the deflation of the Great Housing Bubble. It is foreclosures that drive prices lower quickly. Foreclosures control the timing of the crash because they directly impact the must-se... Read >
Author: Robert Bell20th February 2009
The Great Housing Bubble was inflated by a massive expansion of credit and the influx of capital into residential mortgages. The expansion of credit took four forms: lower interest rates, lowering or eliminating qualification requirements, different amort... Read >
Author: Robert Bell20th February 2009
Copyright (c) 2009 Frank Patrick
The Housing Bubble Pops for the Hollywood�s Elite
In 2008, the U.S. housing market lost over 3 trillion dollars in value � with an overall decline of over 11% of the average house price and over 2.3 million homes... Read >
Author: Frank Patrick20th February 2009
The US economy is witnessing one of the worst recessions of all times. It is often said that this recession is comparable to The Great Depression. The brunt of mass layoffs, high gas prices, company declaring bankruptcy and ailing banks and financial inst... Read >
Author: Puneet17th February 2009
As it is the current recession is already very hard to understand for the average Joe. What is worst than not understanding the current problems faces is to not know how to prepare for what is to come in the future. Fortunately for us, recessions are actu... Read >
Author: Robert Palmer16th February 2009
Lenders are known to be difficult when it comes to loan modification. But did you know that they benefit at least as much from the process as you do? The main reason they balk Mortgage Loan Modification is that they have to train agents to handle them, an... Read >
Author: Home Loan Modification14th February 2009
Mortgage interest rates are determined in an open market and are subject to the forces of supply and demand. These rates are the sum of three main components: riskless rate of return, risk premium, and inflation expectation. The Great Housing Bubble was c... Read >
Author: Robert Bell14th February 2009
When prices rise faster than their wages, people can obtain less real estate with their income. The natural fear under these circumstances is to buy whatever is available before there is nothing desirable available in a particular price range. This fear o... Read >
Author: Robert Bell10th February 2009
People who purchase real estate use the phrase "building equity" to describe the overall increase in equity over time. However, most people think in terms of capturing speculative equity, the equity gained from other speculators bidding up prices. Everyon... Read >
Author: Robert Bell09th February 2009
Commercial real estate is often an effective barometer of the economic health of a community. You can argue wages and unemployment statistics, but it’s hard to ignore multiple, empty storefronts or for lease signs in office buildings. This isn’t great... Read >
Author: Rahul Rungta09th February 2009
Commercial real estate is often an effective barometer of the economic health of a community. You can argue wages and unemployment statistics, but it’s hard to ignore multiple, empty storefronts or for lease signs in office buildings. This isn’t great... Read >
Author: Rahul Rungta06th February 2009
When the lending industry developed exotic loan products, they touted them as "innovation," and they sold these toxins far and wide. Since these loans achieved the highest default rates ever recorded, it is apparent the "innovations" of the bubble rally w... Read >
Author: Robert Bell06th February 2009
During the Great Housing Bubble, many speculators tried to make money through trading houses. The vast majority of these traders were not professionals but amateurs who thought they could be professionals. Most amateurs ended up losing money because they ... Read >
Author: Robert Bell02nd February 2009
Most homeowners do not save money for major improvements and required maintenance, and these homeowners often take out home equity lines of credit as a method of mortgage equity withdrawal to fund home improvement projects. The logic here is that renovati... Read >
Author: Robert Bell02nd February 2009
The housing market has been in the news over the past few years. After the year 2000, the housing market began to explode. Prices went sky high, people were able to tap the equity in their homes for other purposes, and people were able to sell their homes... Read >
Author: Robert Palmer28th January 2009
One unique phenomenon of the Great Housing Bubble was the utilization of stated-income loans, also known as "liar loans" because most people were not truthful when stating their income. When house prices were going up, greed motivated many people to buy h... Read >
Author: Robert Bell28th January 2009
In every asset bubble people will claim the prices are supported by fundamentals even at the peak of the mania. During the Great Housing Bubble, people believed everyone was making two-times their actual income, and that the unstable loan programs develop... Read >
Author: Robert Bell28th January 2009
The housing bubble has burst. Now would be a great time to purchase a house with prices falling to their lowest levels. It would be a great time if you didn't have such a low FICO score. Lenders are reluctant to lend to people with low FICO scores... Read >
Author: Johnnie Mayo28th January 2009
The housing bubble has burst. Now would be a great time to purchase a house with prices falling to their lowest levels. It would be a great time if you didn't have such a low FICO score. Lenders are reluctant to lend to people with low FICO scores... Read >
Author: Johnnie Mayo22nd January 2009
Oil, like cotton or coffee, is traded on the commodities future market, usually having minimal effect on the average American. This type of trading on the New York Mercantile Exchange was started more than a century ago as a way for farmers to determine t... Read >
Author: Robert Palmer22nd January 2009
The interest-only, adjustable-rate mortgage (IO ARM) became popular early in the Great Housing Bubble. When fixed-rate mortgage payments were too large for buyers to afford, they turned to IO ARMs as an affordability product. Unfortunately, these mortgage... Read >
Author: Robert Bell22nd January 2009
A fixed-rate conventionally-amortized mortgage is the least risky kind of mortgage obligation. If borrowers can make their payment, a payment that will not change over time, they can keep their home. At the end of a predefined term, the original funds hav... Read >
Author: Robert Bell21st January 2009
The economic woes have hit close to home for many in our area, across the country, and around the globe due in large part to the fallout from the housing bubble burst. U.S. home values are down 12.8 percent from the market peak in 2006. Additionally, one-... Read >
Author: michael russell 20th January 2009
Over the last 60 years since World War II ended, a number of experimental loan programs have been attempted. These include interest-only loans, adjustable rate loans, and negative amortization loans among others. It is this group of loans that has consist... Read >
Author: Robert Bell17th January 2009
Despite the huge price spike in the final two years of the Great Housing Bubble caused by wild speculation, most speculators will lose a great deal of money. They will buy when prices are high, and they will sell when prices are low. The causes are rooted... Read >
Author: Robert Bell16th January 2009
Why should anyone care about financial bubbles in general and the housing bubble in particular? The first and most obvious reason is that the financial fallout is stressful. Many people lost a great deal of money. Beyond that, the housing bubble had enorm... Read >
Author: Robert Bell16th January 2009
There are a number of fallacies about residential real estate that either affirm the belief in perpetually rising prices or minimize the fears of a price decline. These fallacies generally revolve around a perceived shortage of housing or a belief that th... Read >
Author: Robert Bell16th January 2009
I do not like government paternalism. When Ronald Reagan came to power and began our 25 year experiment with government deregulation, I thought it was a good idea. It used to really annoy me when I would see paternalistic politicians who believed they kne... Read >
Author: Robert Bell16th January 2009
Conventional wisdom (or market spin) was that the risk of default from subprime would not spill over into Alt-A and Prime loans. This argument was made because these two categories have historically had low default rates. Of course, this argument ignored ... Read >
Author: Robert Bell16th January 2009
Many people who purchase real estate have no idea what equity is, what creates it, what destroys it, and what to do with it. People who purchase real estate use the phrase "building equity" to describe the overall increase in equity over time. However, it... Read >
Author: Robert Bell12th January 2009
During the Great Housing Bubble, prices detached from their fundamental valuations and became very inflated. This price inflation created a situation where affordability dropped to record low levels in many real estate markets. The fear of buyers was that... Read >
Author: Robert Bell12th January 2009
Many people did not see the NASDAQ tech-stock bubble. Many people did not see the Great Housing Bubble either. Those who participated in either financial mania lost a great deal of money. People need to know what to look for in order to avoid future finan... Read >
Author: Robert Bell09th January 2009
Many people took out adjustable rate mortgages during the Great Housing Bubble. After 25 years of steadily declining interest rates, people forgot about, or never knew about the risk of rising interest rates and what it would do to their housing payments.... Read >
Author: Robert Bell09th January 2009
A key factor impacting the fundamental value of housing and thereby the bottom is interest rates. Higher interest rates would devastate residential real estate markets. When interest rates go up, the amounts borrowed go down assuming a consistent payment.... Read >
Author: Robert Bell08th January 2009
The debt-to-income ratio is a measure of how far buyers are "stretching" to buy real estate. Buyers have historically committed larger sums to purchase real estate when prices are rising in order to capture the appreciation of rising prices. Conversely, b... Read >
Author: Robert Bell08th January 2009
One method used to evaluation residential real estate prices is the price-to-income ratio. Since people borrow the vast majority of the funds necessary to purchase residential real estate, and this borrowing must be financed from current income, the ratio... Read >
Author: Robert Bell06th January 2009
The real estate market has taken blow after blow in the last two years. The housing bubble in many areas of the United States has burst and homeowners are anxiously trying to get out of debt and refinance their housing loan. The acute disposition of econo... Read >
Author: Karen Bellas06th January 2009
Every homebuyer operating in the deflation of the Great Housing Bubble needs to consider what loan terms will be available in the future. At some point, most buyers become sellers. The future buyer will likely need to borrow most of the money necessary to... Read >
Author: Robert Bell06th January 2009
What is a Cultural Pathology? There are certain beliefs if widely held and acted upon by a group of people leads inevitably to collective suffering and personal destruction. The housing bubble was a form of cultural pathology. It spawned a number of belie... Read >
Author: Robert Bell06th January 2009
One of the more interesting phenomena observed during the bubble was the perpetuation of denial with rumors of homeowner bailouts. The bailout rumors were false hopes provided by the government to allow homeowners in hopeless situations a brief respite be... Read >
Author: Robert Bell05th January 2009
Commodities are items of value and uniform quality produced in large quantities and sold in an open market. Although every residential real estate property is unique, these properties became uniformly desired by investors because all real estate prices ro... Read >
Author: Robert Bell05th January 2009
There are few things more demoralizing than owning an empty plot of land you can’t develop, except, perhaps for holding the mortgage note on an empty plot that your borrower can’t develop. This is not an uncommon situation, as the real estate market s... Read >
Author: Rahul Rungta28th December 2008
Mortgage rates experienced a historic drop this month. 30 Year rates fell from 5.97 to 5.53. This is the lowest rates have been since January 2008. But I think this understates how low mortgage rates are this week so I did a little research. Since 197... Read >
Author: Robert Palmer19th December 2008
Everywhere you look, people are trying to save money. What we are seeing has been predicted many years ago and is now hitting us hard. For many who were not saving, the credit crunch is going to be very hard to deal with. The housing bubble has popped and... Read >
Author: Paul Wyre 18th December 2008
We've survived the tech bubble and the housing bubble, but are we headed for something more catastrophic than either of those? Some experts are beginning to fear the worst.
Let's review recent financial events. The meltdown in the global financial mar... Read >
Author: Jose Roncal08th December 2008
As everyone is aware nowadays, there is a large crisis facing our economy which affects credit and the housing markets. Due to the widespread impact of the crisis, banks and housing markets have essentially seized up in response to the negative indication... Read >
Author: Robert Palmer04th December 2008
The housing bubble has popped, home values are dropping faster than winter rain and the credit crunch has become tighter than Pee Wee Herman’s bow tie. This is the state of affairs for not only US real estate but the global markets in general.
What ... Read >
Author: Robert Palmer02nd December 2008
As everyone is aware of nowadays, there is a large crisis facing our economy which affects the credit and housing markets. Due to the widespread impact of the crisis, banks and housing markets have essentially seized up in response to the negative indicat... Read >
Author: Robert Palmer01st December 2008
The Real Estate Market could be considered the epicenter of the recent global economic downward trends. A closer look into the real estate market could be considered a necessary step for any person wishing to make money through related investments.
... Read >
Author: pierre30th November 2008
According to the Federal Housing Finance Agency, foreclosures have increased an incredible 150% in the last two years. And with statistics showing that the majority of adjustable rate mortgages that were taken out during the height of the housing bubble w... Read >
Author: Lee Cameron25th November 2008
With the current financial crisis pervading stock markets in the global ecomony, real estate once again should be looked at as a serious, long-term investment strategy that can help investors further diversify their investment portfolios in the future. T... Read >
Author: David Lorti24th November 2008
There has been a sad trend since the turn of this century. Health insurance costs have been rising so fast that even large sections of the middle class now find it a struggle, if not impossible, to pay the premiums demanded by the insurers for private pla... Read >
Author: David Mayer31st October 2008
Real estate housing bubble, housing bubble and property bubble are all the same thing, only the name varies. It is a type of economic situation which resembles a bubble in the truest sense. As a bubble is inflated rapidly and it sustains for a very short ... Read >
Author: Rahul Rungta21st October 2008
I can actually tell you how long you have to live!
This is not a psychic revelation – it doesn’t have to do with when you were born or how and where you live your life.
I’ll give you a hint. It has nothing to do with when or how you’re going t... Read >
Author: TobyDouglas14th October 2008
If you want a stock market education, follow the people who predicted the credit crunch. Believe it or not, there were a lot of people who saw the problems build and tried to bring attention to it. The problem was that no one in authority would listen. Th... Read >
Author: Barry Wallis14th October 2008
If you want a stock market education, follow the people who predicted the credit crunch. Believe it or not, there were a lot of people who saw the problems build and tried to bring attention to it. The problem was that no one in authority would listen. Th... Read >
Author: barry@thestockmarketcode.com10th October 2008
The housing and mortgage market has, of late, been full of turmoil to say the least.
The United States has seen accelerated numbers of foreclosures, in addition to average house prices falling down to record lows. Because lending institutions offered ... Read >
Author: Robert Palmer08th October 2008
Today, owning property in Cyprus is what dreams are made of. It�s the new, hot destination that has everyone clamoring for their wallet in order to purchase a piece of the property action. Property on Cyprus is still relatively cheap, but earnest develo... Read >
Author: Robert Palmer15th September 2008
The real estate market in Las Vegas is always abuzz with activity. The market in Las Vegas has seen its ups and downs over the last three years. Despite the predictions of many “experts” about the housing bubble, property sales have increased in the l... Read >
Author: Charles Richey08th September 2008
Jumbo loan rates may leave you with more questions than answers. Exactly what is a jumbo mortgage, who would get one and why? Where did the name jumbo loan originate and are these type of rates different than other types of loans?
Any type of loan that... Read >
Author: Barry Crewse01st September 2008
Owning tangible assets such as real estate has long been associated with wealth building. Therefore, it remains a worthwhile investment. Foreclosures are an unfortunate repercussion of the overly optimistic buyers and lenders during the housing bubble. Bu... Read >
Author: Anita14th August 2008
The biggest misconception among individuals who think they don’t have enough money is that they think they need more money to cover their expenses which will supply them with that ultimate lifestyle they are aiming so hard to achieve. But one common pit... Read >
Author: Remy14th August 2008
The biggest misconception among individuals who think they don’t have enough money is that they think they need more money to cover their expenses which will supply them with that ultimate lifestyle they are aiming so hard to achieve. But one common pit... Read >
Author: Remy22nd July 2008
It's hard to miss the endless media stories on the current global credit crisis. With the price of oil soaring higher and higher along with other basics such as food and electricity there are many factors to the crisis. So what has been causing the crisis... Read >
Author: Click4credit01st July 2008
In late 2006 the economy was showing indicators that pointed to a looming mortgage crisis that would ultimately disrupt the flow of business in the secondary market. Investors, who are essential to the flow of money, basically ignored the warning signs b... Read >
Author: Aubrey Clark30th June 2008
All investments depend on making returns, which in turn are affected by macro cycles such as the Great Depression or the dot-com boom. When a market is receding, it makes more sense for long-term, stability-seeking investors to look elsewhere upon first g... Read >
Author: Ki Gray21st May 2008
Though the housing bubble deflated about two years ago, its true effects are only now beginning to emerge. In late 2006, when the economy first began to show signs of weakness in the housing market, most economists predicted that a recession was very unli... Read >
Author: Ki Gray08th May 2008
Like most real estate markets in the US today, the commercial real estate market in the Sarasota-Bradenton region is seen as a struggling one these days, compared with other markets across the country. This fact was analyzed according to a new report rele... Read >
Author: Vanessa Doctor02nd May 2008
If you’re looking for a new home in the Portland, Oregon metropolitan area, you are most certainly not alone: in recent years, the Portland-area real estate market has skyrocketed. As housing prices nationwide plummet, Portland is one of only five metro... Read >
Author: kerri29th April 2008
There are few things more important, whether you've just purchased one or you're getting ready to find a new tenant, than renovating commercial property. Renovations will depend on what kind of business you're targeting, how much cash you want to sink int... Read >
Author: Tony Seruga, Yolanda Seruga and Yolanda Bishop03rd April 2008
Not everyone agrees there is a housing bubble which will have an impact on the entire economy, but how about one that has an impact on you? If your home was devalued, even temporarily, do you have the cash flow to sustain your credit or allow you to sell ... Read >
Author: RajKumar26th March 2008
Throughout all of the housing bubble and most of last year, first-time buyers were at a distinct disadvantage in competing for New York City apartments. The market was such an intense seller's market that those without previous home-buying experience of... Read >
Author: Elika Associates26th March 2008
Not everyone agrees there is a housing bubble which will have an impact on the entire economy, but how about one that has an impact on you? If your home was devalued, even temporarily, do you have the cash flow to sustain your credit or allow you to sell ... Read >
Author: meenakshi kaur26th March 2008
The market for Phoenix luxury homes is wide open to potential investors and home buyers. This remains true despite the “housing bubble” horror stories promulgated by the mainstream “media”. For todays home buyer, the market for Phoenix real estate... Read >
Author: Wayne Hemrick07th March 2008
Throughout all of the housing bubble and most of last year, first-time buyers were at a distinct disadvantage in competing for New York City apartments. The market was such an intense seller's market that those without previous home-buying experience of... Read >
Author: Elika Associates28th February 2008
For several years low interest rates and low down-payment percentages enabled home buyers to get into increasingly larger and more expensive homes. Then as home prices rose, home sellers took advantage of the �equity� in their existing homes to move u... Read >
Author: Robert Palmer13th February 2008
This month marks one of the worst Januarys in the history of the stock market. With the housing bubble bursting and the dollar fading the future for US investors doesn’t exactly look promising. It seems like anything our friends at the all mighty Federa... Read >
Author: Al Vig11th February 2008
So you're ready to buy a house or maybe you're just considering it. There is a good chance you're wondering if the decline in housing prices has bottomed or perhaps has a little more ways to go. Industry analysts are predicting that in most of the count... Read >
Author: Steve Cancel31st January 2008
The housing bubble has popped. Never before have home prices fallen so broadly on a national level. There are more homes for sale and fewer buyers which means less money in the average seller’s pocket. How can homeowners desperate to sell their home in... Read >
Author: Debra Gould24th January 2008
2008 has begun with a mix of decidedly lousy economic news and some pessimistic projections, so at first glance it might be very tempting for those hoping to either buy or sell homes in Austin to stay on the sidelines and avoid the Austin real estate mark... Read >
Author: Greg James05th November 2007
How can a buyer get a real advantage from San Antonio foreclosure homes? How can a newcomer to the Alamo City get better value in the real estate hot spots of the west side?An attractive, livable city with a comparatively low cost of living, a big metro ... Read >
Author: philipsmith21st October 2007
Having worked in the finance industry for a great many years now, I habitually study and read up on current news and economic trends. I am also a great reader of history, especially of the historical events that shaped Europe; only rarely do I get the opp... Read >
Author: merriam08th October 2007
Travel is evolving. The days of giant package holiday companies providing almost everyone with a one size fits all holiday are numbered. Every detail of ones holiday was catered for by the tour operator. Flights, hotels, villa accommodation and tours. Two... Read >
Author: traveluzion13th September 2007
The housing bubble has burst and the sub prime lending trend has led to financial crisis for many home owners. Unethical practices by some lending institutions have led to buyers biting off much more than they could chew. With so many home owners defaulti... Read >
Author: Keith Lutz31st August 2007
Whether you are selling the home you raised your family in or just cashing in your vacation home, there are many questions to answer and items to take into consideration when you are selling a house. Home selling is one of the complex legal and financial ... Read >
Author: Jeff Blackwell20th July 2007
With the bubble bursting on subprime mortgages, analysts expect a significant fall in growth in the second half of 2007, with the worst yet to come.
The first signs that the bubble was about to burst on the United States housing bubble of the last deca... Read >
Author: PipDawg18th June 2007
Real estate refers to immovable property such as land as well as any physical structures attached to land like houses, buildings or commercial establishments. For centuries land has been considered as the primary measure of wealth and even today developed... Read >
Author: Kuntal Mehta08th May 2007
Real estate refers to immovable property such as land as well as any physical structures attached to land like houses, buildings or commercial establishments. For centuries land has been considered as the primary measure of wealth and even today developed... Read >
Author: Kuntal Mehta13th April 2007
Due to housing bubble deflation we must learn New Lending Rules for a New Era in Real Estate. Especially those with bad credit as subprime lending is vanishing.
Times, they are changing, and we have been spoiled by low interest rates, easily obtainable... Read >
Author: Trisha Dingillo12th April 2007
Buyers have been waiting patiently for the housing bubble to burst. Others hoped it was untrue. But what we’ve been witnessing is more of a fizzle.
If you have been keeping current with the real estate market, you have been watching the housing bubbl... Read >
Author: Trisha Dingillo09th April 2007
Recently the most blogged about issue in the real estate industry, the sudden death of the sub-prime mortgage industry. Ok, that is a tad exaggerated. The sub prime market isn't dead, just much more strict than it has been in the past 5 years. Prior to... Read >
Author: R Chandler Smith27th March 2007
The housing market is never stagnant; it is constantly changing and evolving.
As the housing market continues to stall, and in other bad news, more and more mortgages begin to default, we begin to see changes in the infrastructure of how things operat... Read >
Author: groshan fabiola24th January 2007
It has become harder to go into personal bankruptcy, but the condition of not paying bills remains whether or not formal bankruptcy is filed. The changes in the bankruptcy code of 2005 have really not changed very much. The cost of going bankrupt has in... Read >
Author: AdamHeist27th December 2006
Many homeowners are sweating finances these days. For a variety of reason they are in over the head or know they soon will be. Selling may represent the best option for finding relief.
Trying to Sell a Home with Little or No Equity
As early as 2001,... Read >
Author: Raynor James17th August 2006
A SOFT LANDING
There's been plenty of talk (there always is) about the housing bubble. Pundits squawk about inflation and real estate prices, while panicky consumers scratch their heads wondering if they should buy, sell or hold. Every day, a new eco... Read >
Author: Brian Yui13th August 2006
As the economy cools, mortgage foreclosures increase. Mike and Margaret had worked hard for all of their 10 years of marriage. During that period they had some rough patches and vowed not to get jammed up on their finances again. Mike from time to time wo... Read >
Author: Dale Rogers15th February 2006
Investors in Las Vegas have more to worry about than a Las Vegas Real Estate housing bubble. Many investors in Las Vegas may have to worry about paying capital gains or worse a visit from the IRS wishing to audit them so say the experts at MyGoRealty.net.... Read >
Author: Wayne Griggs09th February 2006
Low interest rates and relatively easy access to mortgage money are just two factors that have caused a boom in residential real estate prices over the past few years. This phenomena has caused a number of analysts to ask whether a national "housing bubbl... Read >
Author: Glenn Dahlke26th September 2005
The naysayers are proclaiming the end of the real estate boom once again. Once again, they are wrong.
Boom, Boom, Boom
In recent years, it's impossible to turn on the television or read the headlines without seeing a warning of impending doom. Expe... Read >
Author: Dan Lewis
|
