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Tag Archives: American Enterprise Institute

The Week Ahead: Mortgage Risk Assessment

On Monday October 30th, American Enterprise Institute's (AEI) Co-director Edward Pinto and Senior Housing Analyst Tobias Peter will lead an update on the most recent National Mortgage Risk Index (NMRI).

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First-time Homebuyers Flood the Market

According to the American Enterprise Institute’s International Center on Housing Risk, first-time buyer volume has jumped 18 percent since April of last year, totaling 98,000 first-time buyer loans for the entire month.

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Are New Homebuyers Feeling the Effects of TRID?

Over five months after the implementation of the TILA-RESPA Integrated Disclosure rule, first-time buyers are still enduring its consequences with closing delays on home purchases. See what analysts believe will happen after the TRID backlog subsides.

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Are First-time Homebuyers Back?

First-time homebuyers have been touch-and-go in the housing market since the crisis, but that here today, gone tomorrow trend could be changing for the better.

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Fed Mortgage Lending Survey Deemed Flawed

Earlier this week, the Federal Reserve released their Senior Loan Officer Opinion Survey on Bank Lending Practices, which found that banks lowered mortgage lending standards in the third quarter of 2015. However, new housing risk research shows that the survey is "flawed."

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Favorable Housing Market Conditions Drive Home Prices and Risk Up

Home prices and risk are being driven up quicker than income by low mortgage rates, an improving labor market, and loose credit standards, but some believe this is not a sustainable approach to homeownership. The American Enterprise Institute's First-Time Buyer Mortgage Share Index found that first-time buyers accounted for 56.4 percent of primary owner-occupied home purchase mortgages with a government guarantee in September 2015, up from last years' total of 54.4 percent.

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