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Before the days of giveaway credit, I helped people with damaged credit clean it up with lease/options.That is why minimal requirements should be at least "average" credit, verifiable income, and 5% down. Such underwriting guidelines offer the investor a reasonable amount of safety, and the buyer a reasonable amount of "skin in the game".
FHA has already risen its down payment requirement to 3.5% - which is plenty. This, combined with the tougher appraisal and underwriting requirements, offers up a far safer and more reasonable market condition than the sub-prime days of utter madness that started the ball rolling for what became the real estate collapse.
If the above does not happen, then the gap between the haves and have nots will worsen more so in America...
Easy and below-natural-market-rate credit, extended to people who eventually weren't be able to pay of the mortgages, is what got us into this problem, you insane nitwit.But I thought the stimulus wasn't working?
But those mortgages don't exist anymore.
You don't know much about the real estate market, do you?
BTW, gang.....This is the time of year the banks dump a lot of their REOs, so they don't have those dreaded "non-performing assets" on the books.
But I guess you need to know a lot about the R/E market to know these things, dontcha, Chrissy?
The Republicans will save the day and rescue us from the effects of their mismanagement. I love it
The Republicans will save the day and rescue us from the effects of their mismanagement. I love it
Nah....
Barry will just promise free houses to Americans who are registered democratics...
Sign up now, before the good ones are all gone....
IOW, there was even less real growth than reported, as free lunch giveaway programs kept price bubbles artificially inflated.Growth was boosted by government stimulus programs, including the popular cash for clunkers auto sales program and tax credit for first-time home buyers.
The Republicans will save the day and rescue us from the effects of their mismanagement. I love it
Nah....
Barry will just promise free houses to Americans who are registered democratics...
Sign up now, before the good ones are all gone....
already got one all paid for. don't need another one.
Nah....
Barry will just promise free houses to Americans who are registered democratics...
Sign up now, before the good ones are all gone....
already got one all paid for. don't need another one.
Maybe you can give the freebie to someone without a job... Shouldn't be hard to find one...
already got one all paid for. don't need another one.
Maybe you can give the freebie to someone without a job... Shouldn't be hard to find one...
Naah I believe in personal responsibility. Let them find their own free house.
Maybe you can give the freebie to someone without a job... Shouldn't be hard to find one...
Naah I believe in personal responsibility. Let them find their own free house.
Doesn't that clash with your wealth redistribution feelings?
But the stimulus cannot be working. Rush said so.
Who knew that free lunch was so popular?
If 2010 swings toward the Republicans, then further stabilization will develop.
If 2010 swings toward the Republicans, then further stabilization will develop.
Riiiiight..... Because you guys did such a bang-up job stabilizing the economy for the previous 8 years. Lord have mercy that we don't have to deal with any more republican fall-out for a while...