2010 Inventory Lending 
Housing Wire
JANUARY 15, 2025
The study claims that the crisis can be traced back to the early 2000s when subprime lending activities were prevalent. The resulting housing market crash and the Great Recession led policymakers to overcorrect by tightening mortgage lending standards and limiting funds for new construction.
Housing Wire
JULY 6, 2022
As recession talk becomes more prevalent, some people are concerned that mortgage credit lending will get much tighter. One of the biggest reasons home sales crashed from their peak in 2005 was that the credit available to facilitate that boom in lending simply collapsed. The short (and long) answer is no, not a chance.
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Housing Wire
AUGUST 25, 2022
Between lack of inventory, record high prices, rising interest rates and significant affordability issues, challenges for the purchase and refi markets are leading to a time of opportunity for home equity lending. In the last five years alone, homeowners have gained, on average, $125,000 in equity on their properties.
Housing Wire
OCTOBER 31, 2022
One of the unsung heroes of the most prolonged economic and job expansion ever recorded in history was the passing of the 2005 Bankruptcy Reform Act and the 2010 qualified mortgage rule under Dodd-Frank. Both these laws paved the way for more responsible lending and a more responsible consumer. Today, we are at 1.25 Today, we are at 1.25
Housing Wire
DECEMBER 28, 2022
Home Prices will fall, but don’t expect 2010. There will be two key differences between 2023 and 2010. First, mortgage lending standards have remained high after the last bubble. The last time we saw prices decline, the combination of declining prices and bad mortgages forced inventory onto the market. months nationally.
Housing Wire
SEPTEMBER 8, 2022
Well, it isn’t 2008, but this type of loan does have risk — and it’s the risk that is traditional among all late economic cycle lending in America when the loan requires low or no downpayment. This can lead to home prices getting out of control , especially when total inventory gets to all-time lows.
Housing Wire
MARCH 23, 2022
Second, because of the downtrend in inventory since 2014 and the demand pick-up we will see in the years 2020-2024, we had a risk of home prices accelerating too much. Could you imagine this housing market if we eased lending standards? We cannot have a credit boom because speculation debt has been taken off-grid post-2010 with credit.
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