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This is the second part of a summary of a Fannie Mae sponsored analysis by the Urban Institute (UI) of the role home equity could play in retirement security. The study utilized longitudinal data from the bi-annual National Institute on Aging's Health and Retirement Study (HRS) survey for the years 1998 through 2012. In the first part of the summary UI explained that, despite ups and downs in the economy, households over the age of 65 have more equity than in 1998 but they also have more home debt, both in the number of seniors with debt and the balance of that debt. Loan-to-value ratios also tend to be higher than in earlier generations. There are several ways homeowners can tap into their equity; a home equity loan, referred to here as a second mortgage, a home equity line of credit (HELOC
Housing News
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This is the second part of a summary of a Fannie Mae sponsored analysis by the Urban Institute (UI) of the role home equity could play in retirement security. The study utilized longitudinal data from the bi-annual National Institute on Aging's Healt... (read more)
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MBS Commentary
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Big moves in bond markets always result in big conclusions from all manner of market participants. Whether it's Chief Strategist at some big bank, a money manager for a big bond fund, or even a financial news commentator, I've seen a rampant ... (read more)
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Housing News
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The Mortgage Bankers Association (MBA) is estimating that the pace of new home sales slowed slightly in October compared to the previous month. Its Builder Application Survey (BAS) which is conducted among mortgage subsidiaries of new home builders n... (read more)
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Rob Chrisman
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For me this week and last includes time in Knoxville, Las Vegas, Portland, Northern California, Colorado, and Salt Lake City. The mood? Besides plenty of lenders wondering if they should hit their broker-dealers up for margin calls given the 3-point ... (read more)
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Housing News
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Mortgage delinquencies are now the lowest they have been since the second quarter of 2006, some two years before the housing crisis began and other mortgage performance metrics have reached similar or even historic lows. The quarterly National Delinq... (read more)
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MBS Commentary
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With Thursday marking a slightly less robust day of selling compared to Wednesday, it was all too tempting to hope that the bond market was just getting every last little bit of crazy weakness of its system ahead of the 3-day weekend, and that we'd... (read more)
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