There was big news within the mortgage industry recently as interest rates finally went back below 6%. The reaction was mixed, but the rate did prompt many people to rush to refinance their homes. For those that are stuck with variable rate mortgages, the current situation in the housing market has been volatile to say [...]
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Mortgage Interest Rates Start To Change
October 7th, 2008 — , borrowers, consumer advocates, current situation, fannie mae, foreclosure, freddie mac, housing market, interest rates, lack of awareness, light at the end of the tunnel, money, mortgage, mortgage industry, mortgage payments, personal finance, refinance, resurgence, rude awakening, second job, specter, subprime, variable rate mortgage, variable rate mortgages from Loanio @ Loanio
What We Can Learn from the Housing Crisis
August 12th, 2008 — , Financial Security, Income Streams, Investing, Job, Retirement, bet, budget, diversification, emotion, financial disaster, financial disasters, investments, life and death, love, money, mortgage payment, overspending, paycheck, personal finance, reliance, right management, risk, sports stars, subprime, taking a closer look from Rich Leverage @ Rich Credit Debt Loan
The housing crisis has a lot of people taking a closer look at their finances and worrying about whether they too may be at risk for losing their home. There are a lot of great lessons that can be learned from this crisis, and they can be applied to all areas of your finances. Let’s [...]
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Banks trying to impose their own improvements and stay ahead of new regulation
July 18th, 2008 — , economy, subprime from Colin @ CommunityLend blog
Probably overdue efforts to bring credibility back to banking which has been tarnished by an ‘investment banking’ culture lately.
reportonbusiness.com: Be careful, and other new guidelines
Yet many of these proposed guidelines, outlined in a report Thursday by the Institute of International Finance, may strike investors as self-evident – a sign of just how far the banking [...]
Continue reading → Banks trying to impose their own improvements and stay ahead of new regulation
Consumers, banks to feel pinch
June 12th, 2008 — , social lending, subprime from Colin @ CommunityLend blog
The Bank of Canada has just released its twice yearly assessment entitled the Financial System Review. The Globe and Mail reports on it here.
reportonbusiness.com: Consumers, banks to feel pinch [emphasis ours]
Canadian banks have generally remained solid throughout the past 10 months of turmoil, and are able to tap markets to finance their shortfalls. Plus, [...]
Embracing Sub-prime: Yes or No? Part 1 - Preliminary Analysis
May 17th, 2008 — , General News, P2P Lending, prosper news, sub-prime borrowers, subprime from Blair MacGregor @ Lendoza - news & information on p2p lending and the social finance industry
One of the controversies that I should’ve alluded to in my opening post but didn’t, was the subject of subprime borrowers; those with credit scores below 640 and whether or not p2p lending marketplace sites are embracing them as potential customers or eliminating them as targets.
Obviously, these higher risk borrowers have a higher rate of [...]
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Continue reading → Embracing Sub-prime: Yes or No? Part 1 - Preliminary Analysis
Keeping credit flowing during the credit crunch
September 1st, 2007 — Financial Education, Lending Club, adjustable, crunch, effects, hedge, jumbo, mortgages, resetting, subprime from Patrick Gannon @ Lending Club
The credit crunch is just getting started. How long it will last and how big it will be in the final tally is anyone’s guess, but my personal forecast is: “a while” and “really big”. There will be first-order and second-order effects that the economy will need to handle.
The first order effects will [...]
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Update on the credit crunch
August 24th, 2007 — Lending Club, Subprime Meltdown, cnbc, crunch, deals, markets, meeting, september, subprime, tougher from Patrick Gannon @ Lending Club
These are tough times in the financial markets. As we discussed last Saturday in our post on subprime, borrowers are beginning to feel the pinch of higher interest rates and much tougher underwriting criteria. Even for borrowers with prime credit (FICO score above 620), it is difficult to qualify for a loan now. [...]
Related StoresThe Subprime Meltdown: What is the bottom line?
August 18th, 2007 — Financial Education, Lending Club, cdos, investors, liquidity, markets, mortgages, risky, subprime, yielding from Patrick Gannon @ Lending Club
By now, most people have noticed that something is going on in the financial markets. For those of us who follow the equity and debt markets as closely as I do, it has been a gut-wrenching few weeks. What exactly is going on? The financial press is calling it the Subprime Meltdown. [...]
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