Real Estate, US Real Estate

Federal Housing Policy Threatening To Permanently Undermine Housing Market Stability

By Donna S. Robinson | March 3, 2014
Think the days of risky subprime loans are behind us? Now that Dodd-Frank has been implemented, a lot of the talk has been about The "Qualified Mortgage Rule". Supposedly this new rule known as "QRM" is going to protect consumers from lenders who are willing to make reckless, high cost loans to unsuspecting borrowers. Here […]
Featured News, Investing, US Real Estate

AEI Study Shows How FHA Financing Is Destroying Thousands Of Neighborhoods

By Donna S. Robinson | December 24, 2012
According to American Enterprise Institute Fellow, Edward Pinto, the FHA mortgage insurance program is helping to destroy the neighborhoods that FHA is most heavily involved in. A detailed study of FHA lending practices and default rates shows that lower income borrowers and home owners with FHA loans are much more likely to default on their loans.
Real Estate, US Real Estate

FHA Delinquencies Surge To Record Levels In 3rd Quarter 2012

By Donna S. Robinson | October 26, 2012
For the first 20 years of it's existence the Federal Housing Administration, created in 1934, enjoyed a delinquency rate of 0.2%. As of September 2012, the delinquency rate has surged to a record 17.3%. Compare that to less than 2% for privately insured mortgage company, MGIC.
Real Estate, US Real Estate

FHA Net Worth Falls To -$23.23 BILLION As Delinquencies Rise

By Donna S. Robinson | July 19, 2012
The latest analysis by Edward J. Pinto, A Resident Fellow at the American Enterprise Institute, indicates that FHA continues to fall deeper and deeper into the "red" as a result of an increase in 30 day and 60 day delinquencies.
Mortgage, Real Estate, Real Estate Investing, Residential, US Real Estate

AEI - How Government Policies Brought Down The Housing Market

By Donna S. Robinson | April 30, 2012
Since 2006, housing prices have fallen 30 to 40 percent in most areas; millions now owe more on their mortgages than their houses are worth, and millions more have only slivers of equity. The average homeowner today has 7 percent equity in his or her home, versus 45 percent as recently as 1990.
Mortgage, Real Estate, Residential, US Real Estate

American Enterprise Institute Says NAR Is Ignoring FHA Insolvency

By Donna S. Robinson | March 16, 2012
Created by congress during the great depression to help spur the housing market, FHA has become one of the most important institutions ever created to help fund mortgages for home buyers, especially for home buyers who want a home but have very little money to put down.
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