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Loan buybacks haven’t disappeared, but they are trending down

Housing Wire

The Urban Institute report, published in November 2023, shows that the average number of months from origination to repurchase between 2005 to 2008 (prior to and during the early stages of the global financial crisis ) was 46 months for Freddie Mac and 52 months for Fannie Mae.

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Opinion: How did homeowners get into home equity prison?

Housing Wire

of outstanding debt was in some stage of delinquency, up by 0.1 Incurring unnecessary credit card debt to cover the cost of daily living indirectly eats into their equity because they are going to have to pay it at some point down the road or deal with the headache of bankruptcy. As of December 31, 2023, 3.1%

Equity 424
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Why lenders should be asking for a title check at loan application

Housing Wire

The bottom line: Flueid is committed to driving efficiency for lenders (as well as their partners) to make the loan life cycle simpler, faster and more secure and help them deliver on their promise to the borrower.

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Is the Dallas Fed right to label this a housing bubble?

Housing Wire

In the past, the speculative credit boom led to people filing for bankruptcies and foreclosures in 2005, 2006, 2007 and 2008. Fixed low debt cost with rising wages creates better cash flow Post-2010, the lending standards have been great — we made American mortgage debt great again! Then after all that, we had the great recession.

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Will we start 2022 with all-time lows in housing inventory?

Housing Wire

We have had people on forbearance already sell their homes and move onto the next stage of their life in a new home. As you can see below, foreclosures and bankruptcy were rising into the 2008 recession from 2005-2008, then the great financial recession occurred. Knowing the difference is the key.

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How Smart Investors Decipher & Respond to Real Estate Market Cycles

The Close

Therefore, in this article we will explore common real estate market cycles and the indicators you can look for to better understand which market stage your area is in. 8 Stages of Real Estate Market Cycles. While I generally agree with this, I break market cycles down into eight stages to make them easier to follow.

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Real Estate Distress Has Created Opportunities for Rescue Capital

Propmodo

As property distress spreads, other debt-workout scenarios like bankruptcies and foreclosures will still be in play. These capital infusions are a more cost-effective way to recapitalize assets rather than bringing new equity in through foreclosure or bankruptcy. Distressed trading activity is still in the early stages.