How changing loss recognition rules could restore lender solvency
by golfplan18
on 17 Aug 2014
Posted 10 years ago
http://ochousingnews.com/blog/ Why have lenders permitted millions of delinquent borrowers to squat for years? Why haven’t they processed foreclosures in a timely manner and recycled much-needed supply back into the ...
golfplan18
United States, joined 2011 Mar 30 Has 1 follower. Is following 0.➕follow (1) 💰tip
threads pinned by golfplan18
authored 115 comments and 963 threads
golfplan18's threads
Potential buyers are losing their enthusiasm for housing
by golfplan18 on 12 Aug 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ During the housing bubble mania, everyone wanted to own a house, mostly to capture the gains of rapid home price appreciation. Nobody believed the value of houses could ...
by golfplan18 on 12 Aug 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ During the housing bubble mania, everyone wanted to own a house, mostly to capture the gains of rapid home price appreciation. Nobody believed the value of houses could ...
Zillow-Trulia will reduce the number of bad real estate agents
by golfplan18 on 11 Aug 2014 3 comments, latest 10 years ago
http://ochousingnews.com/blog/ The merger of Zillow and Trulia may force marginal agents out of the business and concentrate activity among the best producers. American realtors have long maintained a system ...
by golfplan18 on 11 Aug 2014 3 comments, latest 10 years ago
http://ochousingnews.com/blog/ The merger of Zillow and Trulia may force marginal agents out of the business and concentrate activity among the best producers. American realtors have long maintained a system ...
Will house sellers' motivation increase with the changing market?
by golfplan18 on 8 Aug 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ The housing market is changing, but many sellers refuse to acknowledge the cooling market may force them to lower their asking prices. It’s no longer a seller’s market; ...
by golfplan18 on 8 Aug 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ The housing market is changing, but many sellers refuse to acknowledge the cooling market may force them to lower their asking prices. It’s no longer a seller’s market; ...
Will rising wages offset the impact of rising mortgage rates?
by golfplan18 on 10 Aug 2014 7 comments, latest 10 years ago
http://ochousingnews.com/blog/ As mortgage interest rates go up, affordability declines. Only rising wages can offset the effect of rising mortgage rates. Will it be enough? When mortgage interest rates finally ...
by golfplan18 on 10 Aug 2014 7 comments, latest 10 years ago
http://ochousingnews.com/blog/ As mortgage interest rates go up, affordability declines. Only rising wages can offset the effect of rising mortgage rates. Will it be enough? When mortgage interest rates finally ...
Will a global economic slowdown trigger a US recession and housing bust?
by golfplan18 on 6 Aug 2014 3 comments, latest 10 years ago
http://ochousingnews.com/blog/ A global economic slowdown could trigger a US recession and potentially cause another housing bust. The US economy struggles for growth five years after the Great Recession officially ...
by golfplan18 on 6 Aug 2014 3 comments, latest 10 years ago
http://ochousingnews.com/blog/ A global economic slowdown could trigger a US recession and potentially cause another housing bust. The US economy struggles for growth five years after the Great Recession officially ...
As lenders slow-play loan modifications, delinquent borrowers enjoy free housing
by golfplan18 on 7 Aug 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Lenders slowly process loan modifications, mostly to avoid approving them. While they wait, most loanowners enjoy a free ride. Should we be concerned about the speed at which ...
by golfplan18 on 7 Aug 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Lenders slowly process loan modifications, mostly to avoid approving them. While they wait, most loanowners enjoy a free ride. Should we be concerned about the speed at which ...
B of A:Reflated mini-bubble to peak in 2016
by golfplan18 on 5 Aug 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ Lenders reflated the housing bubble to pass their bad loans to new bagholders. Current forecasts show lenders must complete the task by 2016 before prices peak. How can ...
by golfplan18 on 5 Aug 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ Lenders reflated the housing bubble to pass their bad loans to new bagholders. Current forecasts show lenders must complete the task by 2016 before prices peak. How can ...
It's a tough job market for SoCal real estate development professionals
by golfplan18 on 3 Aug 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ Federal reserve policy designed to stimulate housing and housing employment is having mixed results. The job market for real estate professionals is weak. Today’s post is about a ...
by golfplan18 on 3 Aug 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ Federal reserve policy designed to stimulate housing and housing employment is having mixed results. The job market for real estate professionals is weak. Today’s post is about a ...
House ownership rate hits new lows OC Housing News
by golfplan18 on 1 Aug 2014 Posted 10 years ago
http://ochousingnews.com/blog/ US policymakers want to increase home prices and maximize the home ownership rate. Prices are up, but the home ownership rates continues to drop. Declines in the home ...
by golfplan18 on 1 Aug 2014 Posted 10 years ago
http://ochousingnews.com/blog/ US policymakers want to increase home prices and maximize the home ownership rate. Prices are up, but the home ownership rates continues to drop. Declines in the home ...
Shiller: housing faces turning point as seasonally adjusted prices fall in May
by golfplan18 on 30 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Seasonally adjusted home prices fell in may for the first time in over two years. Robert Shiller warns of possible turning point in the housing market. House_CrashWhen a ...
by golfplan18 on 30 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Seasonally adjusted home prices fell in may for the first time in over two years. Robert Shiller warns of possible turning point in the housing market. House_CrashWhen a ...
The Chinese housing bubble deniers are wrong
by golfplan18 on 30 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ The housing bubble deniers in China use poor reasoning and macroeconomic arguments to ignore their massive Ponzi scheme. Here in America, the bubble deniers — and Never forget ...
by golfplan18 on 30 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ The housing bubble deniers in China use poor reasoning and macroeconomic arguments to ignore their massive Ponzi scheme. Here in America, the bubble deniers — and Never forget ...
REO-to-rental hedge funds cashing out
by golfplan18 on 2 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ A wave of consolidation in the REO-to-rental business has hedge funds selling bulk portfolios. Will this impact the housing market? In early 2012, the REO-to-rental business model was ...
by golfplan18 on 2 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ A wave of consolidation in the REO-to-rental business has hedge funds selling bulk portfolios. Will this impact the housing market? In early 2012, the REO-to-rental business model was ...
Surprisingly, Mel Watt is not forgiving principal on underwater loans
by golfplan18 on 28 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ In apparent recognition that principal reduction is a bad idea, Mel Watt is not forgiving debts on underwater loans owned by the GSEs. Principal reduction is the worst ...
by golfplan18 on 28 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ In apparent recognition that principal reduction is a bad idea, Mel Watt is not forgiving debts on underwater loans owned by the GSEs. Principal reduction is the worst ...
New house sales plummet in June 2014
by golfplan18 on 28 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Stymied by high prices amidst weak job and wage growth, new home construction fell dramatically in June. This wasn’t supposed to happen. Reflating the housing bubble was supposed ...
by golfplan18 on 28 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Stymied by high prices amidst weak job and wage growth, new home construction fell dramatically in June. This wasn’t supposed to happen. Reflating the housing bubble was supposed ...
Zillow believes rising mortgage rates will slow house sales OC Housing News
by golfplan18 on 25 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ In the absence of rising wages, when mortgage interest rates go up, one of two things will happen: either sales will fall, or prices will fall. I recently ...
by golfplan18 on 25 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ In the absence of rising wages, when mortgage interest rates go up, one of two things will happen: either sales will fall, or prices will fall. I recently ...
Owner-occupant sales stall while distressed sales plummet
by golfplan18 on 23 Jul 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ Housing market optimists expected owner-occupants to pick up the slack from declining investor purchases. It isn’t happening. In 2011, lenders aggressively pursued loan modifications to avoid foreclosures. They ...
by golfplan18 on 23 Jul 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ Housing market optimists expected owner-occupants to pick up the slack from declining investor purchases. It isn’t happening. In 2011, lenders aggressively pursued loan modifications to avoid foreclosures. They ...
Fired Ed DeMarco saved taxpayers billions
by golfplan18 on 23 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Ed DeMarco was a conscientious bureaucrat who was forced out of his position for doing a good job protecting the US taxpayer from looting politicians. The list of ...
by golfplan18 on 23 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Ed DeMarco was a conscientious bureaucrat who was forced out of his position for doing a good job protecting the US taxpayer from looting politicians. The list of ...
Some criminal bank executives should go to jail
by golfplan18 on 21 Jul 2014 6 comments, latest 10 years ago
http://ochousingnews.com/blog/ Punishing shareholders with corporate fines does little to deter bad behavior among corporate executives. Some of them need to go to jail. If I had to narrow my ...
by golfplan18 on 21 Jul 2014 6 comments, latest 10 years ago
http://ochousingnews.com/blog/ Punishing shareholders with corporate fines does little to deter bad behavior among corporate executives. Some of them need to go to jail. If I had to narrow my ...
British legislators learned the housing bubble perils while American's did not
by golfplan18 on 18 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ British legislators want to curb housing bubbles to avoid the economic pain, whereas American legislators want to reflate our housing bubble. During the 00s lenders attempted foolish financial ...
by golfplan18 on 18 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ British legislators want to curb housing bubbles to avoid the economic pain, whereas American legislators want to reflate our housing bubble. During the 00s lenders attempted foolish financial ...
With flattening house prices how will 300,000 SoCal loanowners get above water?
by golfplan18 on 21 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ When lenders began denying short sales, underwater owners were forced to wait for higher prices to sell, and with flattening prices, they are stuck. Lenders caused the housing ...
by golfplan18 on 21 Jul 2014 1 comment, latest 10 years ago
http://ochousingnews.com/blog/ When lenders began denying short sales, underwater owners were forced to wait for higher prices to sell, and with flattening prices, they are stuck. Lenders caused the housing ...
Are today's homebuyers tomorrow's bagholders?
by golfplan18 on 17 Jul 2014 7 comments, latest 10 years ago
http://ochousingnews.com/blog/ Today’s high home valuations are only justified by record low interest rates. Will today’s buyers become bagholders when interest rates rise? Will rising mortgage rates cause house prices ...
by golfplan18 on 17 Jul 2014 7 comments, latest 10 years ago
http://ochousingnews.com/blog/ Today’s high home valuations are only justified by record low interest rates. Will today’s buyers become bagholders when interest rates rise? Will rising mortgage rates cause house prices ...
Immobilized Americans cause economic weakness and slow housing sales
by golfplan18 on 16 Jul 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ Americans are moving less than ever before causing a weaker economy and slower home sales. America has long benefited from a mobile population capable of moving to take ...
by golfplan18 on 16 Jul 2014 2 comments, latest 10 years ago
http://ochousingnews.com/blog/ Americans are moving less than ever before causing a weaker economy and slower home sales. America has long benefited from a mobile population capable of moving to take ...
Should we allow deadbeats to buy homes again to stimulate housing?
by golfplan18 on 10 Jul 2014 26 comments, latest 10 years ago
http://ochousingnews.com/blog/ People who quit making payments and allowed their homes to be auctioned want another chance to own a home, probably for more free loan money. Many people who ...
by golfplan18 on 10 Jul 2014 26 comments, latest 10 years ago
http://ochousingnews.com/blog/ People who quit making payments and allowed their homes to be auctioned want another chance to own a home, probably for more free loan money. Many people who ...
Is current housing weakness a fundamental shift away from house ownership?
by golfplan18 on 14 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ Housing sector weakness may be a sign of a change in attitudes away from home ownership as defining the American Dream. When house prices crashed in 2008, we ...
by golfplan18 on 14 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ Housing sector weakness may be a sign of a change in attitudes away from home ownership as defining the American Dream. When house prices crashed in 2008, we ...
The deflating Chinese real estate bubble could destabilize the world economy
by golfplan18 on 29 Jun 2014 12 comments, latest 10 years ago
http://ochousingnews.com/blog/ The Chinese inflated a real estate bubble more than ten times larger than the United States. Bursting this bubble could destabilize the world economy. I recently asked what ...
by golfplan18 on 29 Jun 2014 12 comments, latest 10 years ago
http://ochousingnews.com/blog/ The Chinese inflated a real estate bubble more than ten times larger than the United States. Bursting this bubble could destabilize the world economy. I recently asked what ...
Did federal reserve policy inflate housing for another crash?
by golfplan18 on 13 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ Federal Reserve’s zero interest rate policy made debt cheep and widely available to investors who inflated asset values setting the stage for another crash. Pundits like to call ...
by golfplan18 on 13 Jul 2014 4 comments, latest 10 years ago
http://ochousingnews.com/blog/ Federal Reserve’s zero interest rate policy made debt cheep and widely available to investors who inflated asset values setting the stage for another crash. Pundits like to call ...
July housing market update: prices creeping up again
by golfplan18 on 9 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Unexpectedly low mortgage interest rates allow buyers to raise their bids and push house prices higher on stagnant incomes. In my opinion, the housing market has been boring ...
by golfplan18 on 9 Jul 2014 Posted 10 years ago
http://ochousingnews.com/blog/ Unexpectedly low mortgage interest rates allow buyers to raise their bids and push house prices higher on stagnant incomes. In my opinion, the housing market has been boring ...
The final resolution of loan modifications will push people out of their homes
by golfplan18 on 8 Jul 2014 Posted 11 years ago
http://ochousingnews.com/blog/ As prices near the peak, lenders allow loan modification payments to reset forcing people out who can’t afford the payments. Lenders give loan modifications to desperate borrowers ostensibly ...
by golfplan18 on 8 Jul 2014 Posted 11 years ago
http://ochousingnews.com/blog/ As prices near the peak, lenders allow loan modification payments to reset forcing people out who can’t afford the payments. Lenders give loan modifications to desperate borrowers ostensibly ...
It's no longer a seller's market
by golfplan18 on 6 Jul 2014 13 comments, latest 11 years ago
http://ochousingnews.com/blog/ Higher prices bring out sellers but turn off buyers, the result is more inventory and a shift away from a seller’s market. California’s housing markets are nearly always ...
by golfplan18 on 6 Jul 2014 13 comments, latest 11 years ago
http://ochousingnews.com/blog/ Higher prices bring out sellers but turn off buyers, the result is more inventory and a shift away from a seller’s market. California’s housing markets are nearly always ...
Do loan modifications cause rents to rise too? OC Housing News
by golfplan18 on 7 Jul 2014 2 comments, latest 11 years ago
http://ochousingnews.com/blog/ Loan modifications inflate house prices by reducing for-sale inventory; it also inflates rents by keeping potential rental homes off the market. Lenders embarked on a policy of aggressive ...
by golfplan18 on 7 Jul 2014 2 comments, latest 11 years ago
http://ochousingnews.com/blog/ Loan modifications inflate house prices by reducing for-sale inventory; it also inflates rents by keeping potential rental homes off the market. Lenders embarked on a policy of aggressive ...
Mortgage regulations give homebuying fence-sitters peace of mind
by golfplan18 on 27 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ If new mortgage rules will prevent housing bubbles, prudent fence-sitters have no urgency to buy for fear of being priced out of the housing market. The real estate ...
by golfplan18 on 27 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ If new mortgage rules will prevent housing bubbles, prudent fence-sitters have no urgency to buy for fear of being priced out of the housing market. The real estate ...
Reflating the housing bubble mis-allocates resources yet again
by golfplan18 on 1 Jul 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Builders are responding to the lack of inventory and higher prices by building homes in areas where we really don’t need them. Builders will construct new homes anywhere ...
by golfplan18 on 1 Jul 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Builders are responding to the lack of inventory and higher prices by building homes in areas where we really don’t need them. Builders will construct new homes anywhere ...
Did the federal reserve's taper slow housing and cause a new recession?
by golfplan18 on 26 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ The federal reserve began tapering bond purchases in December 2013, and the US economy shrank at a 2.9% annual rate in the first quarter of 2014. Coincidence? The ...
by golfplan18 on 26 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ The federal reserve began tapering bond purchases in December 2013, and the US economy shrank at a 2.9% annual rate in the first quarter of 2014. Coincidence? The ...
Single-family house rents will soon begin to rise
by golfplan18 on 25 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ With fewer investor purchases of single-family homes, the supply of single-family home rentals diminishes causing rents to rise. Investor purchases of single-family homes provided demand during a period ...
by golfplan18 on 25 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ With fewer investor purchases of single-family homes, the supply of single-family home rentals diminishes causing rents to rise. Investor purchases of single-family homes provided demand during a period ...
Americans don't want small houses
by golfplan18 on 24 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Dashing hopes of academics that Americans were turning to small condos at transit stops, Americans are buying very large homes again. For years, academics in planning circles touted ...
by golfplan18 on 24 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Dashing hopes of academics that Americans were turning to small condos at transit stops, Americans are buying very large homes again. For years, academics in planning circles touted ...
Bad condominium investments that keep on losing
by golfplan18 on 23 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Condominium investments go bad, and sometimes the property can’t be rented out to cover the expenses. Owners can’t sell and can’t rent, so they lose, lose, lose. I ...
by golfplan18 on 23 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ Condominium investments go bad, and sometimes the property can’t be rented out to cover the expenses. Owners can’t sell and can’t rent, so they lose, lose, lose. I ...
New and resale house sales slump in 2014 prime house selling season
by golfplan18 on 19 Jun 2014 3 comments, latest 11 years ago
http://ochousingnews.com/blog/ In the prime of the home selling season, new home starts and existing home sales both retreated, a sign of ongoing weakness in the housing sector. Sales are ...
by golfplan18 on 19 Jun 2014 3 comments, latest 11 years ago
http://ochousingnews.com/blog/ In the prime of the home selling season, new home starts and existing home sales both retreated, a sign of ongoing weakness in the housing sector. Sales are ...
Locked-in low mortgage rates will not dissuade today's homebuyers from selling
by golfplan18 on 20 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ Contrary to conventional wisdom, low mortgage interest rates locked-in by today’s buyers will not dissuade them from selling in the future. Housing economists point to the specter of ...
by golfplan18 on 20 Jun 2014 1 comment, latest 11 years ago
http://ochousingnews.com/blog/ Contrary to conventional wisdom, low mortgage interest rates locked-in by today’s buyers will not dissuade them from selling in the future. Housing economists point to the specter of ...
Four traits of the new normal in the US housing market
by golfplan18 on 18 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ he US housing market stabilized with low interest rates, low MLS inventory, low owner-occupant demand, and high but affordable house prices. The norm in California housing over the ...
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by golfplan18 on 18 Jun 2014 Posted 11 years ago
http://ochousingnews.com/blog/ he US housing market stabilized with low interest rates, low MLS inventory, low owner-occupant demand, and high but affordable house prices. The norm in California housing over the ...
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