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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.

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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? […]

Fed’s Household Credit Report Confirms It Is A Student And Car Loan “Recovery”

zerohedge.com / by Tyler Durden on 02/17/2015 13:30

Earlier today the NY Fed released its quarterly, household credit report which is really just an Equifax spreadsheet where the links are hard-coded. We know this because about 8 months ago, the NY Fed intern (since seasonally-adjusted into pink-slip territory), released a #Reffing! spreadsheet that didn’t […]

This Homebuilder Could Hit The Wall This Year

investmentresearchdynamics.com / By David Kranzler / Feb 16, 2015

I’ve never got a bigger return for the value. Paid $25 for the report, $4k invested in puts and closed today for $3.2k of profits. – Reader testimonial

I’ve updated a homebuilder report that I originally published in early December. The Company released its latest […]

The NEW Dust Bowl: Mortgage Purchase Applications Fall 9 Percent From Previous Week (Where Is The Recovery?)

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • February 11, 2015

The mortgage market (and middle class) are stuck in the NEW Dust Bowl with stagnant wage growth and stagnant mortgage purchase applications.

Mortgage applications decreased 9.0 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly […]

Do You Really Own Your Home?

thecommonsenseshow.com / by Dave Hodges / February 11, 2015

The move to confiscate all privately held wealth in the United States is well underway. In the past few years, we have experienced bail-outs, planned bail-ins, Treasury Secretary Jack Lew is positioning to confiscate all 401k’s and pensions and now the MERS mortgage fraud is accelerating […]

The MacBeth Mortgage Market: Low Rates, Lower Homeownership And Big Banks (High Loan Concentration)

wallstreetexaminer.com / by Anthony B. Sanders, Courtesy of Confounded Interest • February 9, 2015

The US residential mortgage market reminds me of something out of the Shakespeare play MacBeth.

Double, double toil and trouble; Fire burn, and caldron assets bubble.

Housing is getting unaffordable again, in part thanks to The Federal Reserve’s quantitative easing programs. […]

Sovereign Bonds

goldmoney.com / By Alasdair Macleod / 06 February 2015

Today’s obvious mispricing of sovereign bonds is a bonanza for spending politicians and allows over-leveraged banks to build up their capital. This mispricing has gone so far that negative interest rates have become common: in Denmark, where the central bank persists in holding the krona peg […]

Greece: Are You Finally Ready to Do the Right Thing and Leave the Euro?

charleshughsmith.blogspot.com / CHARLES HUGH SMITH / THURSDAY, FEBRUARY 05, 2015

The era of living off borrowed money is over in Greece, and the Greek people now have a choice.

Almost four years ago I wrote Greece, Please Do The Right Thing: Default Now (June 1, 2011). Default remains the only real way forward for […]

Small Potatoes: Mortgage Purchase Applications UP 2.7 Percent From Last Year, But Down 63 Percent From Nov 07 Despite Fed Intervention

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

This is indeed a slow mortgage application recovery.

Mortgage applications increased 1.3 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending January 30, 2015.

The NON seasonally […]

Fed President Drops a Bombshell Yesterday: Fed Removed QE3 Too Soon

Narayana Kocherlakota, President of the Minneapolis Fed

wallstreetonparade.com / By Pam Martens and Russ Martens: February 4, 2015

The monetary policy arm of the U.S. central bank, the Federal Open Market Committee (FOMC), is getting hammered this week. On Monday, two researchers at the Federal Reserve Bank of San Francisco chastised the FOMC for […]