Credit
Economy by Joshua Dorkin | February 22, 2009I just found this video series called the Crisis of Credit, outlining how we managed to get to where we are in terms of the housing and economic mess, and of course, I had to share it with our blog readers. So . . . . Enjoy! Part 1: Part 2: Thoughts?
Commentary by Tom Koziol | February 20, 2009Risk management rules are being revised as a result of the credit crisis we are currently experiencing. One of the categories under review is Customer Behavior. The proponents of the “strategic adjustments” have come up with supposedly new questions in this category. This makes sense if the questions were truly new questions engineered for the [...]
Economy by Joshua Dorkin | February 6, 2009According to the AP, Treasury Secretary Timothy Geithner is set to give a major speech on Monday to outline the $700 billion rescue plan. As a part of any bailout package we’ll see, the government will certainly make some major moves in the real estate and banking space. Meanwhile, real estate lobbyists were pressing the [...]
Commentary by Tom Koziol | January 2, 2009About two months ago I wrote a post that included information from a monthly magazine,
Commercial Real Estate by Rob Powell | November 16, 2008Greetings from the metropolis of Cedar Crest, New Mexico. After a series of road trips to Arizona….Texas….and New Mexico….it is good to be home and good to be writing again. I have had a blast exploring, discovering, and experiencing the Southwest with my family. During all my expeditions, I have been thinking a lot about [...]
Blogs by Richard Warren | November 3, 2008It wasn’t that long ago that people were touting the extraordinary power of leverage. Use as little as possible to control as much as possible. Leverage was used in business and especially in real estate. You were considered an amateur if you put down 20% to buy a property, 5% and even 0% down became [...]
Commentary by Rob K. Blake | October 11, 2008I promised you last week after outlining my belief the “frozen credit markets” was a contrivance by Fed Chairman Ben Bernanke and Treasury Secretary Hank Paulson, I’d spill the beans on why the dynamic duo wanted to lay their hands on $700 Billion since it wasn’t needed to thaw out anything. So here goes..and I [...]
Commentary by Charles Feldman | October 8, 2008It’s soooooo old news, isn’t it? I mean, all that stuff about people not being able to pay their mortgages and the rising population of those facing foreclosure, is so old hat now. What is really important, after all, is the survival of big banks! At least, it would seem that way from the news [...]
Landlord Tenant by Troy Schuricht | October 3, 2008What Make A Good Renter? Is a good renter someone with great credit, or large deposit or maybe high income? The approach landlords take in qualifying their renter could be changing because of the housing crisis and the large number of foreclosures. The main objective of renting your home should be to have a qualified renter that will [...]
Commentary by Rob Powell | July 16, 2008Recently somebody said, “Hey, you lost weight,” and I said, “Yeah, thirty-five pounds and three and a half billion dollars.” So I’m quite a bit lighter and more flexible than I was.” – John Malone Greetings from the metropolis of Cedar Crest, NM. Friday evening, I was watching CNBC when the news broke out about [...]
Real Estate Market by Tom Koziol | June 13, 2008Everybody knows a recession is when your neighbor loses his job. A depression is when you lose your job. Apparently more of us are coming closer to depression than we would like to believe. The data you are about to read is from the June 2008 edition of Collections & CREDIT RISK magazine. This particular [...]
Mortgages & Lending by Charles Feldman | June 11, 2008Watch out. The home mortgage crisis may be about to belt you in the face and you may not even be aware the blow is coming. A truly frightening article in the New York Times about the “shrinking lines of credit” and what it may mean for homeowners–and we are not talking about homeowners facing [...]
Credit by Charles Feldman | May 21, 2008Okay…so what’s wrong with this picture? In communities all across America the value of homes has dropped faster than the New Year’s Eve ball in Times Square. Lower prices should mean bargin prices. Bargin prices should mean people jumping back into the housing market. People jumping back into the housing market should help inflate the [...]
Credit by Milton B. Yates | March 18, 2008You have to love the amount of flexibility there is when running a deal FHA but more often than not, there are too many things left undone that cause major hiccups in the final stages of any transaction. Technically, many of these hiccups are because of the lack of attention to detail on the part [...]
Blogs by Richard Warren | February 25, 2008Perhaps I’m showing my age as I rapidly approach the half-century mark. But I clearly recall a time when there was shame attached to being in debt. I grew up in a working-class neighborhood of modest homes at a time when people never seemed to move. It was a major event if someone moved in [...]
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Questions & Risk for Lenders In The New Credit Environment
by Tom Koziol | February 20, 2009Risk management rules are being revised as a result of the credit crisis we are currently experiencing. One of the categories under review is Customer Behavior. The proponents of the “strategic adjustments” have come up with supposedly new questions in this category. This makes sense if the questions were truly new questions engineered for the [...]