How to increase mortgage defaults

How to increase mortgage defaults

  The Biden Administration took steps to enable less credit-worthy borrowers to qualify for mortgages to support the housing market. Now the Trump team is doing the same in the name of boosting home ownership and lowering costs for borrowers.  Why is the...
Phantom debt soars, what does this mean for real estate?

Phantom debt soars, what does this mean for real estate?

  Consumer spending in the world’s largest economy has been so resilient in the face of stubbornly high inflation that economists and traders have had to repeatedly rip up their forecasts for slowing growth and interest-rate cuts. How are consumers still spending...
Why are credit scores falling and what does this mean for real estate in 2025

Why are credit scores falling and what does this mean for real estate in 2025

For the last 4 years, credit scores have been artificially inflated due to the omission of student loans (and lack of payments of student loans) leading to huge gains in credit scores.  Unfortunately this trend is set to reverse this year.  Look at this chart above...
Credit scores surge, why? what is hiding?

Credit scores surge, why? what is hiding?

Wow, look at the huge increases in credit scores over the last 15 years.  This has occurred even as student debt, auto debt, and credit card debt have all surged.  Has the US all the sudden become much more credit worthy or has something else changed? What does this...