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Will Spring Home Sales Fall Flat?

wallstreetexaminer.com / by Logan Mohtashami • March 25, 2015

Last year (2014) we had double-digit declines in mortgage purchase applications year over year, even with falling interest rates . So far this year, as we are in month three, demand has been flat, year over year, to slightly higher, but it is not meeting my […]

The Mordor Mortgage Market: Mortgage Purchase Applications Rise Slightly

wallstreetexaminer.com / Courtesy of Confounded Interest, by Anthony B. Sanders • March 25, 2015

Mortgage applications increased 9.5 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending March 20, 2015.

The NON seasonally adjusted Purchase Index increased 5.23 percent from one […]

Realtor: Low Mortgage Rates Are Killing the Industry

wolfstreet.com / By Melissa Terzis, Realtor, City Chic Real Estate, Washington, DC / March 23, 2015

Mortgage Rates need to go up. There it is. They do. These rates are killing the industry. The DC Real Estate Market is the Poster Child for why interest rates need to go up.

Since the beginning of this […]

All The Fed’s Horses: Mortgage Purchase Applications Decline Again

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • March 18, 2015

All the Fed’s horses and all The Fed’s men (sic) couldn’t put housing together again.

As we all eagerly await the announcement at 2pm EST of The Federal Reserve’s decision on raising interest rates, we got this rather daunting news about […]

Bizarro World: The 100 Percent LTV, 0 Rate Mortgage (Affordable Housing Crisis … Again)

wallstreetexaminer.com/ by Anthony B. Sanders, Courtesy of Confounded Interest • March 15, 2015

Back in 1980, the inflation rate reached 14.6%. The 30 year fixed-rate mortgage reached 18.63% in October 1981. The high rate of inflation and the high 30 fixed-rate led to mortgage innovation to 1) help homebuyers better afford a home purchase […]

U.S. seeks billions from global banks in currency manipulation settlement

gata.org / By Keri Geiger and Greg Farrell via Bloomberg News / March 13, 2015

NEW YORK — The U.S. Justice Department is seeking about $1 billion each from global banks being investigated for manipulation of currency markets, according to two people familiar with the talks.

The figure is a starting point in settlement discussions, […]

Household Debt Soars in Canada, “Stability” at Risk

wolfstreet.com / by Wolf Richter / March 12, 2015

Debt by Canadian households is a special phenomenon. Statistics Canada reported today that in the fourth quarter, household debt set another breath-taking record.

Earlier this month, even Equifax Canada, which is in the business of facilitating and increasing this indebtedness, had warned about it. The […]

The Crazy Man’s Guide to the Bond Market

mauldineconomics.com / BY JARED DILLIAN / MARCH 12, 2015

I invite you to inspect the following chart of 10-year interest rates in the US.

If you don’t have a lot of experience with these things, let me clue you in: This is a very scary-looking chart. It’s a classic head-and-shoulders bottom in yields.

If […]

Why the Fed Cannot Raise Rates

schiffgold.com / BY DICKSON BUCHANAN / MARCH 10, 2015

This article was written by Dickson Buchanan, SchiffGold Precious Metals Specialist. Any views expressed are his own and do not necessarily reflect the views of Peter Schiff or SchiffGold.

After Federal Reserve Chairwoman Janet Yellen’s congressional testimony, the markets are still convinced the Fed could […]

0% Down, 100% Chance of Trouble

zerohedge.com / by Rick Sharga, ECP of Auction.com, on LinkedIn.com on 03/05/2015 18:00

We’ve seen this movie before, and if I recall correctly, it didn’t end terribly well.

In fact, we’re still living through the seemingly-endless backlog of delinquent loans and distressed properties that the massive housing boom and bust cycle left us with back […]

Here’s How Mortgage Purchase Applications Show Fed Policy To Be A Useless Scam

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • March 4, 2015

I keep hearing about lenders and the government mortgage purchasers/insurers talking about loosening credit standards and the rebirth of 100 percent LTV lending. Perhaps, but the mortgage market is still singing the same “Subterranean Homesick Blues” as last year at this […]

In “Paranormal” Europe, Banks Will Pay You To Borrow, And Charge You To Save

zerohedge.com / by Tyler Durden on 02/27/2015 20:20

A month ago, we wrote about a bizarre situation involving Denmark’s now totally broken monetary system, where as a result of an unprecedented scramble to weaken the currency in order to preserve the peg to the Euro the central bank unleashed a historic rate-cutting scramble, where in […]

Forget First-Time Homebuyers, It’s A Million-Dollar Mortgage World

zerohedge.com / by Tyler Durden on 02/24/2015 13:43

As home sales drop and home prices surge, the shifting sands of the housing market are accelerating in a seemingly inequality-expanding manner. As first-time homebuyers struggle to qualify for mortgages in a market that’s shrinking after the housing collapse, Bloomberg reports that lenders are providing more […]

Potterville: Why Lenders Love the $2.5 Million Home Loan (Bad News For First Time Homebuyers!)

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • February 24, 2015

According to Bloomberg, the jumbo mortgage market is booming while the middle class mortgage market is … dooming?

The number of loans from $1 million to $10 million to buy homes in 100 of the largest metropolitan areas surged to 25,403 […]

Most Americans Are Slaves And They Don’t Even Know It

theeconomiccollapseblog.com / By Michael Snyder / February 22nd, 2015

Most Americans spend their lives working for others, paying off debts to others and performing tasks that others tell them that they “must” do. These days, we don’t like to think of ourselves as “servants” or “slaves”, but that is what the vast majority of […]

The Number One Reason Why Americans Will Not Fight Back Against the New World Order

thecommonsenseshow.com / by Dave Hodges / 22 Feb, 2015

“The Only Thing Necessary for the Triumph of Evil is that Good Men Do Nothing”

Edmund Burke

Our Congress has an all-time low 9% approval rating, and Obama’s overall popularity is in the toilet. It has been 12 years since I declared war upon […]

Silence Of The Mortgage Borrowers (Funds Trapped In Excess Reserves)

wallstreetexaminer.com / Courtesy of Confounded Interest / February 19, 2015

Yesterday, I discussed the housing and mortgage “Nirvana” where mortgage purchase applications continues at the same stagnant pace at last year.

Let’s look at excess reserves of depository institutions and outstanding mortgage debt for 1-4 units family residences.

READ MORE

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The Next Real Estate Crash

acting-man.com / Ramsey Su / February 18, 2015

On Shaky Ground

Real estate does not crash, it is real estate financing that crashes.

Easy sub-prime mortgages caused real estate prices to artificially appreciate, lack of even-more-sub-than-sub-prime financing caused prices to come back down. Real estate did not crash, the sub-prime mortgage market did. During the […]

Housing Starts, Permit Miss Expectations On Drop In Single-Family Housing

zerohedge.com / by Tyler Durden / 02/18/2015 08:47 -0500

Earlier today, we got a hint that hopes that the 5th dead cat “housing rebound” bounce have been indefinitely delayed after Mortgage Applications cratered by over 13% after tumbling 9% in the week before on even the most fractional of 10 Year yield increases. That hope […]

Homebuilder Confidence Declines (But Still Above 50) As Apartments Keeps Growing Faster Than 1 Units

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • February 17, 2015

Homebuilder confidence slid in February to 55 which is still above 50 (implying that more homebuilders are confident than pessimistic). I pointed out on air that new home sales were not recovering.

So why are more homebuilders optimistic than pessimistic? […]