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The Motley Fool July 9, 2009 Morgan Housel |
Could This Prevent Another Housing Blowup? A house is not an investment -- it's a place to live, and nothing more. Artificially supporting a degree of risk that encourages failure is nuts, since homes are incapable of innovating into anything beyond what they've always been.  |
BusinessWeek May 6, 2010 Jody Shenn |
Mortgages: Strategic Defaults Are On the Rise By not making mortgage payments on "underwater" homes, borrowers may be paradoxically helping to boost the economy.  |
The Motley Fool February 15, 2008 Dan Caplinger |
Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?  |
The Motley Fool December 4, 2006 Dan Caplinger |
Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.  |
The Motley Fool December 5, 2006 Dan Caplinger |
The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.  |
The Motley Fool February 26, 2010 John Rosevear |
A Savvy Move by Deadbeat Homeowners Why confounding your credit rater might be an excellent strategy.  |
Financial Planning May 1, 2012 June Fletcher |
Strategic Default: When is it Right for Homeowners? Are there circumstances in which a financial advisor should recommend strategic default?  |
The Motley Fool March 5, 2007 Dan Caplinger |
Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.  |
The Motley Fool July 2, 2010 Dan Caplinger |
Defaulting Homeowners Finally Pay the Price Don't expect another crack at the American Dream. Last week, Fannie Mae decided that it had had enough of the "strategic default" phenomenon.  |
The Motley Fool June 7, 2011 Cindy Johnson |
More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.  |
The Motley Fool February 28, 2011 Dan Caplinger |
Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.  |
BusinessWeek November 19, 2007 Lewis Braham |
Help a Homeowner, Get a Double-Digit Return Whether the loan is between friends or strangers, private lenders say returns after expenses have historically been in the low double digits.  |
The Motley Fool September 24, 2007 Dan Caplinger |
A Jumbo Opportunity Interest rates on jumbo mortgages rose nearly half a percentage point in August, even as regular mortgage rates were mostly coming down. Is it time to raise the jumbo loan amount minimum?  |
The Motley Fool September 6, 2007 David Lee Smith |
The Mortgage Lenders' Dual Masters Whatever steps some lenders and loan service agents are willing to take to help troubled mortgage holders, the crush of delinquencies and foreclosures, along with radically tightened credit standards in the mortgage industry, will make for a slow recovery for the U.S. housing market.  |
The Motley Fool February 15, 2011 Morgan Housel |
Life After Fannie and Freddie: Canada Edition A modest proposal, modeled after our neighbors to the north.  |
The Motley Fool July 9, 2009 Dan Caplinger |
Let's Stop the Housing Crisis Once and for All It's hard to believe how easily it all could have been prevented. By simply following an old-fashioned standard for taking out a mortgage loan  |
The Motley Fool July 7, 2009 Morgan Housel |
The New Subprime All you have to do is drop the sub.  |
The Motley Fool February 15, 2011 Selena Maranjian |
Good Credit Won't Save You Now The "adverse market" surcharge could cost mortgage borrowers thousands annually.  |
This Old House Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.  |
The Motley Fool August 12, 2005 Selena Maranjian |
Dangerous Borrowing Beware of quicksand with credit cards and mortgages. Dangers abound when we borrow. Credit cards, if used suboptimally, can land you a world of trouble, while even mortgages these days are carrying more risks than ever.  |
The Motley Fool June 23, 2011 Selena Maranjian |
Banks Say No Thanks to Reverse Mortgages Should you do likewise?  |
BusinessWeek January 14, 2010 Zainab Fattah |
Dubai: The First Foreclosure Barclays' landmark case paves the way for other lenders to go after homeowners in default  |
The Motley Fool March 6, 2008 David Lee Smith |
Bailout Ben's Bogus Brainstorm The Fed chairman would like to up the federal role, and use your money, to solve housing's woes.  |
The Motley Fool October 26, 2007 Dan Caplinger |
Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.  |
BusinessWeek April 12, 2004 Christopher Palmeri |
Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high  |
The Motley Fool March 19, 2010 Morgan Housel |
Homeowners Free-Riding on the Bank's Dime Foreclosed on, but still happily at home.  |
BusinessWeek October 29, 2007 Christopher Farrell |
Bankruptcy Reform Bites Back For consumers, debt relief is harder to come by. And that's adding to housing woes.  |
The Motley Fool March 20, 2007 Mary Dalrymple |
5 Reasons to Scrimp for a Down Payment Of the million or so hurdles you can encounter between you and your first home, the down-payment hurdle can sometimes loom the largest. It's not easy, but it can save you more money down the road.  |
BusinessWeek January 7, 2010 Gittelsohn & Gopal |
Finding a Better Lifeline for Homeowners With mortgages underwater by a record $745 billion, regulators may force lenders to cut principal.  |
The Motley Fool December 12, 2007 Dan Caplinger |
Early Christmas for Mortgage Borrowers There's some good news on the mortgage front for a change. Lending has not come to a grinding halt. In fact, for those who have good credit and qualify for standard fixed-rate loans, mortgages have actually gotten more affordable.  |
Financial Advisor November 2011 Gail Liberman |
Hope For Retirees? Reverse mortgages are still being criticized for their complexity and high fees, but demand is rising and some advisors see advantages.  |
Financial Planning November 1, 2011 June Fletcher |
Going Into Reverse Several big banks have abandoned reverse mortgages this year, some watchdog groups have maligned them and consumers have shied away from them. Nevertheless, now may be a good time to recommend them to clients.  |
The Motley Fool July 13, 2007 Dan Caplinger |
A Tale of Two Borrowers Unfortunately, many homeowners never consider that they may not really be able to afford the home they own. As painful as it is to give up your home, it's not worth risking financial ruin to stay in a home you can't pay for.  |
The Motley Fool September 2, 2005 Seth Jayson |
Bad-Mouthing the Bubble Unfortunately, many people are far more financially analytical when they're shopping for an MP3 player or a dishwasher than when they're purchasing a home. Readers share their concern.  |
The Motley Fool February 20, 2008 Tom Hutchinson |
Housing Market Stimulants Bush administration remedies for the ailing housing market may provide much-needed inducements for the market to heal itself.  |
U.S. Banker July 2010 |
Mandatory Education To prevent future stress in the housing market at the levels we see now, financial education should be required of anyone who receives a mortgage.  |
BusinessWeek October 1, 2009 Christopher Palmeri |
Short Sales: A Fraying Lifeline for Homeowners Lenders are reining in short sales aimed at helping troubled mortgage borrowers.  |
The Motley Fool March 2, 2007 Matt Koppenheffer |
Quick Take: Brokerages' Sloppy-Looking Swaps Current trading around banks' debt could suggest trouble ahead. Investors may be concerned that risk wasn't adequately managed with regards to the mortgage loans the banks took on.  |
The Motley Fool December 12, 2006 Mary Dalrymple |
Homeowners' Lucky Day A new tax break could make some homeowners even happier.  |
Commercial Investment Real Estate Jul/Aug 2009 Safarian, Choi & Grant |
Carveout Consequences Learn how the courts rule on non-recourse loan provisions.  |
The Motley Fool April 19, 2004 Chris Mallon |
In Your Best Interest Rising home prices make interest-only mortgages a popular tool for homebuyers.  |
BusinessWeek January 9, 2006 Justin Hibbard |
So Many Lenders, So Few Takers As housing slumps, the roof is falling in on the overbuilt mortgage industry.  |
U.S. Banker March 2011 |
Noted & Noteworthy If mortgage borrowers insist on comparing themselves to corporations, how would they really like to be treated like one?  |
The Motley Fool May 18, 2010 Matt Koppenheffer |
Take This Mortgage and Shove It! New research could show a way to curb strategic foreclosures. Could attending to homeowners' emotional needs be the answer to the problem of strategic foreclosures?  |
BusinessWeek May 7, 2007 Palmeri & Kopecki |
Why This Slump Is Different Foreclosures are rising fast, investors are sweating, and lenders are now bending over backwards to keep bad loans alive.  |
Commercial Investment Real Estate Sep/Oct 2003 Peltin & Swibel |
Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure.  |
HBS Working Knowledge September 12, 2007 Nicolas P. Retsinas |
Building Sandcastles: The Subprime Adventure A look at what went wrong in the subprime industry and why.  |
BusinessWeek February 17, 2011 Gopal & Shenn |
Forecast: A Milder Mortgage Meltdown Low interest rates have helped defuse the option ARM time bomb.  |
BusinessWeek November 5, 2007 Nanette Byrnes |
These Tough Lending Laws Could Travel North Carolina's progressive protection laws for borrowers may become a nationwide model.  |
AskMen.com Michael Estrin |
9 Mortgage Don'ts But no matter how much you owe, unless you're a lottery winner, you've probably used a mortgage to buy your home. Here are some tips on what not to do when making one of the biggest purchases of your life.  |