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Tag Archives: Urban Institute

Low Credit Score May be Keeping Many Renters from Homeownership

An analysis of millions of credit reports comparing financial behavior patterns of those who currently rent and those who have a current mortgage revealed that tens of millions of renters might not qualify for a mortgage due to a low credit score—and that a large share of renters have other outstanding debt that is currently in collections.

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The Valuation Gap: A Growing Issue for Housing Market Recovery

While much of the mortgage industry has shown substantial recovery since the housing crisis, there are some markets still lagging behind. In these weak housing markets, there are many rehabbed properties that are being valued for less than they are worth simply due to the state of the real estate market.

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Originator Profitability Declines in 2015

Although interest rates have been at historical lows, they are significantly up from 2012 lows. Not only has this caused many eligible refinancers to shy away from the market, but originators' profits are also suffering.

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Mortgage Debt Still Weighing Heavy on Consumers

Many Americans are still struggling with mortgage debt, which is the third most-popular form of debt in the nation. Much of this debt stems from borrowing at the wrong time and for the wrong purpose, preventing consumers from achieving financial stability.

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Private-Label Securitization Market Disappearance Affects Credit Access

A diminishing private-label securitizations market among strong government-backed loans presents credit implications for the mortgage market. Director of the Housing Finance Policy Center at the Urban Institute Laurie Goodman highlights in a blog the importance of consumers knowing how the disappearance of the private-label securitizations market affects their access to credit.

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