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Tag Archives: Foreclosure

Using Mortgage Reserves to Help Narrow the Black-White Homeownership Gap

New research from FHLBank San Francisco and the Urban Institute investigates ways to reduce mortgage default risk by utilizing mortgage reserve accounts that could help homeowners overcome temporary hardships, which would mainly benefit Black families, who are more than twice as likely as white families to lose their home to foreclosure.

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Breaking Down Pre-Summer Mortgage Performance

Molly Boesel, Principal Economist for CoreLogic, noted, “While early delinquencies for 2022 mortgage originations are about the same rate as those in other rising interest-rate environments, loans with low down payments are exhibiting comparably higher-than-usual early delinquencies.”

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Is a Credit Crunch Coming?

“While the NFCI Credit index indicated that credit tightened in March, which reduced housing market potential, the credit tightening was modest and far from recent pandemic lows, and certainly nothing like the Great Financial Crisis period,” said Mark Fleming, Chief Economist at First American.

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REO Community Set to Gather This May

The Five Star Institute presents the first-ever REO Connect event, a gathering of the REO community featuring educational offerings and networking opportunities geared to meet the needs of unique marketplace.

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All But 3% of Mortgages ‘Current and Performing’

A new report required by law under the Helping Families Save Their Homes Act of 2009, a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act, showed that the majority of loans are current, and foreclosures remain below levels recorded before the pandemic.

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