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Sign into your accountFrom Real Estate to Mortgage Collateral
September 14 2012
One of the challenges for the housing market has been that the mortgage investment community and the government agencies that regulate it make policies and decisions that affect the entire housing market far from direct knowledge of the local market. Looking back over the last several years, it seems that many of today's housing market issues could have been avoided, if investors only had a crystal ball, or access to current data on house prices and valuations. With the proper information and analysis, the mortgage industry may have been able to foresee that we were heading towards a housing bubble that was about to burst.
For example, a better understanding of the concentration of higher-risk mortgages in local communities, coupled with the expansion in the number of investor and non-owner-occupied properties, skewed the traditional supply and demand characteristics of many neighborhoods. What resulted when those loans failed was that their impact created a ripple effect through markets at large.