The Coming Storm? Analyzing 2024’s Delinquency Data
November 20, 2024
Soaring auto and credit card defaults signal economic risks ahead, despite strong housing market performance.
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High Credit Scores, Low Foreclosures, and the Affordability Puzzle
November 19, 2024
Despite low foreclosures and strong employment, today’s mortgage market restricts access through high credit requirements and interest rates, creating an affordability crisis for new buyers.
The Human Side of Lending: One Professional’s Story of Loss, Love, and Legacy
November 12, 2024
If we are not here for our friends and family, why are we here?
Experience Counts – A Craftsman’s Approach to Mortgages w/ Scott Osborn
November 11, 2024
The Formula Mortgage Capital Corporation team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.
The Hidden Opportunity in America’s Rental Surge: A Lending Perspective
November 11, 2024
The latest housing data reveals rental households growing three times faster than homeowner households, but beneath this challenging statistic lies a golden opportunity for lenders who know where to look.
Outlook: Mortgage Rates, Home Prices & A City of Kindness
November 8, 2024
As rates increase and mortgage applications drop, can we still be optimistic?
Election Aftermath: Treasury Yields Jump, Housing Industry Braces for Policy Shift
November 7, 2024
The reported election of Donald Trump as the 47th president, along with Republican gains in Congress, is already impacting mortgage markets with rising Treasury yields and rates, while industry stakeholders prepare for potential shifts in housing policy and regulation.
Modern-Day Redlining? CFPB vs. Townstone
November 6, 2024
In a controversial CFPB settlement, Chicago-based Townstone Financial faced modern-day redlining charges over radio show hosts’ childhood grocery store memories, while industry-standard loan pricing adjustments that systematically affect borrower costs based on credit scores and loan-to-value ratios remain unchallenged.
Winning Strategies for Today’s Age-Driven Housing Market
November 5, 2024
While most markets stabilize after inflation, housing continues to buck traditional economic trends as Baby Boomer wealth transfers and historically low inventory reshape who can buy homes and when.
