Tag Archives: Bank Regulations

The Real Estate Market is in flux

I know it has been several months since I have posted, honestly it has been a blood bath out there and tough to stay focused. There have been lots of changes on the Real Estate front to have been beaten … Continue reading

Posted in Banking and Finance, Best Of The Storm, Fresh Perspectives, Takin’ It In The Short Sales | Tagged Bank Regulations, Existing Home Sales, Shadow Inventory, World Markets | Leave a comment

Banks in Real Estate part 1 of 2

Forever it seems, banks have been trying to get into real estate. With all the short sales and foreclosures (2/3 of our sales here in Orlando) they have finally gotten what they wanted. Realtors have fought legislation time and time … Continue reading

Posted in Banking and Finance, Best Of The Storm, Fresh Perspectives, Uncategorized | Tagged Bank Regulations, Loan Modifications | Leave a comment

Banks Refuse to Recognize HELOC and Second Mortgage Losses

None of us knows how the housing bust will play out. Some contend it already has, but those living in the reality-based community know we have a tremendous problem with delinquencies lenders are unable to resolve. What are we waiting for? Lenders to take losses.

The delinquency problem will be resolved through a combination of loan modifications, short sales and foreclosures. Those are the only three viable options. Loan modifications are proving to fail, so that leaves short sales and foreclosures. Either solution will push prices lower. Continue reading

Posted in Best Of The Storm, Financial News | Tagged Bailouts, Bank Regulations, Foreclosures, HAFA, HELOCs, Home Prices, Short Sales | 1 Comment

HAFA: Double-Edged Sword

Every six months or so, Washington’s political will seems to coalesce in support of the only issue where there is true agreement across party lines: The housing market is still broken. Sadly, in our view, the Treasury Department’s Home Affordable Foreclosure Alternatives Program, or “HAFA,” is simply the latest in a series of flawed legislation aimed more at pacifying popular outrage rather than offering real, tangible solutions to the challenges facing the US housing market. Continue reading

Posted in Banking and Finance, Best Of The Storm, Everything About Foreclosures, Home Economics, Social Mood Swings | Tagged Bank Regulations, Foreclosures, HAFA, NAR, Short Sales | Leave a comment

Phase Shifts, Stick/Slip and the Demise of Our “Socialist” Housing Policy

Any of several critical factors could trigger the next phase shift decline in housing prices. One of the central ironies of the current “housing recovery” is that it is 100% “socialist,” that is, funded entirely by the Federal Reserve and … Continue reading

Posted in Best Of The Storm, Home Economics | Tagged Bailouts, Bank Regulations, Home Prices, Housing Bubble, Stimulus, The Fed | 1 Comment