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‘Massive and Timely’ Forbearance Policies Are Important During Crisis

first_img Previous: Cities That ‘May Be Vulnerable’ to Foreclosures Next: How Smart Servicers Add Certainty in Uncertain Times Home / Daily Dose / ‘Massive and Timely’ Forbearance Policies Are Important During Crisis  Print This Post Share Save Tagged with: Health of Housing Markets Servicers Navigate the Post-Pandemic World 2 days ago About Author: Christina Hughes Babb The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Demand Propels Home Prices Upward 1 day ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img in Daily Dose, Featured, News Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. December 10, 2020 1,506 Views Health of Housing Markets 2020-12-10 Christina Hughes Babb Nearly every metro area in America is experiencing peak seriously delinquent mortgage loans, according to a Health of Housing Markets Report (HoHM Report) from Nationwide economics. Levels are approaching the severity of the 2010 housing bust, economists say, adding that government interventions have made for low foreclosure activity.The HoHM report is a quarterly measure of the health of the U.S. housing market using the LIHHM, a proprietary, data-driven near-term performance outlook of housing markets for the nation as a whole and for 400 metropolitan statistical areas (MSAs) and divisions. (The focus of the LIHHM is on the entire housing market’s health, rather than a projection of house prices or home sales).”The spike in mortgage delinquencies would normally have had a significantly negative impact, but delinquencies in the current environment should not be viewed as they have been in the past due to government policy changes,” said Nationwide Senior Vice President and Chief Economist David Berson. “It seems the federal government learned a valuable lesson from the Great Recession, realizing that massive and timely forbearance policies were necessary. As a result, many of these loans have not slipped into foreclosure.”The National Lending Index of Healthy Housing Markets (LIHHM) remains in modestly positive territory, the researchers say, likely due to the expectation that a Joe Biden administration will further extend forbearance options.The Q4 HoHM report also reveals that the overall health of the housing market is still being weighed down by a mix of factors, chief among them the still-recovering job market.The U.S. Bureau of Labor Statistic showed the seventh consecutive month of job growth for the U.S. economy, the national unemployment rate is still at recession levels.The price of houses is accelerating in response to the market’s supply and demand imbalance. Historically low mortgage rates and homebuyers’ desire for more spaciousness while working remotely have contributed to home price growth, says Berson.”Home price appreciation has accelerated in many local markets in response to the extremely tight supply of homes. Even with low mortgage rates, which we expect will remain near record lows for the foreseeable future, rapidly rising prices are a risk for housing affordability, especially if inventory levels remain as low as expected.”The HoHM reports that the areas hardest hit by this include Texas and parts of the Pacific Coast. Metro markets that have the least positive LIHHM outlooks include San Angelo, Texas; Cheyenne, Wyoming; Odessa, Texas; Clarksville, Tennessee; Brownsville-Harlingen, Texas; Fort Worth-Arlington, Texas; Kennewick-Richland, Washington; State College, Pennsylvania; Manhattan, Kansas; and San Rafael, California.By contrast, regions where home prices have remained more stable, such as in the Midwest, are showing positive or neutral rankings. Areas with the highest LIHHM rankings for Q4 include, in order, Saginaw, Michigan; Johnstown, Pennsylvania; St. Joseph, Missouri; Tuscaloosa, Alabama; Alexandria, Louisiana; Detroit, Michigan; Wheeling, West Virginia; Gape Girardeau, Missouri; Flint, Michigan; and Altoona, Pennsylvania. More information about the HoHM Report, including the methodology used, can be found at blog.nationwide.com/housing. Demand Propels Home Prices Upward 1 day ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago ‘Massive and Timely’ Forbearance Policies Are Important During Crisis Subscribelast_img read more

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Premier League transfer news

first_imgIt’s widely reported he’s close to joining Arsenal.Cech’s been a big part of the Chelsea team since joining in 2004, but he was mostly the understudy to Thibaut Courtois last season. West Brom finalised the capture of the Irish international after agreeing a 1.5 million pound transfer fee with Wigan.The 26-year-old has agreed a three-year contract with the Baggies, who have the option to extend that deal by a further 12 months.Chelsea goalkeeper Petr Cech has retweeted a post from his management company – stating no deal has been done yet on a move away from the club.last_img read more

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