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The Motley Fool November 8, 2011 Morgan Housel	Fixing Housing: Easier Said Than Done Ever since 2007, there's been a push from both private executives and public policy makers to do more, tweaking every knob in an attempt to end the housing slump sooner rather than later.
The Motley Fool August 13, 2009 Morgan Housel	3 Reasons Mortgage Modifications Are Failing Want a mortgage modification? Cross your fingers, and don't expect a lot of help from banks.
The Motley Fool March 19, 2010 Morgan Housel	Homeowners Free-Riding on the Bank's Dime Foreclosed on, but still happily at home.
The Motley Fool March 26, 2010 Morgan Housel	Where Bank of America Gets It Right The smartest thing it's done in years.
The Motley Fool October 12, 2009 Morgan Housel	The Biggest Failure of the Year Mortgage modification re-defaults -- modified loans that fall back into default -- are quite high. And not just a little high, not just annoyingly high, but horrifyingly high.
The Motley Fool July 2, 2009 Morgan Housel	Dangerously Delaying the Inevitable In order to help the economy recover, the Obama administration relaxes the requirements for government-backed mortgage modifications.
The Motley Fool August 25, 2009 Morgan Housel	You Call This a Cure? Cure rates on mortgage delinquencies have fallen off a cliff. Why is that, and what does it mean for banks?
U.S. Banker May 2011 Babara A. Rehm	Waiting and Hoping Is Bad Public Policy It won t be popular, but the Obama administration is going to have to bite some political bullets to deal with foreclosures and mortgage servicing.
BusinessWeek January 7, 2010 Gittelsohn & Gopal	Finding a Better Lifeline for Homeowners With mortgages underwater by a record $745 billion, regulators may force lenders to cut principal.
The Motley Fool October 26, 2007 Dan Caplinger	Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.
The Motley Fool December 5, 2006 Dan Caplinger	The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.
The Motley Fool October 14, 2009 Morgan Housel	Mortgage Lending: Partying Like It's 2005 Bank of America has softened requirements and begun authorizing some mortgage modifications without getting all the documents first.
The Motley Fool July 7, 2009 Morgan Housel	The New Subprime All you have to do is drop the sub.
The Motley Fool July 2, 2010 Dan Caplinger	Defaulting Homeowners Finally Pay the Price Don't expect another crack at the American Dream. Last week, Fannie Mae decided that it had had enough of the "strategic default" phenomenon.
The Motley Fool August 18, 2010 Dan Caplinger	You Really Need to Do This Again Mortgage rates are down again. Time to refi?
The Motley Fool July 28, 2009 Morgan Housel	This Is Killing Housing Prices And it ain't letting up anytime soon. As home prices crater, the incentive to give your home back to the bank -- even if you can afford the monthly payments -- grows by the day.
The Motley Fool May 18, 2010 Morgan Housel	The $215 Billion Hole in the Housing Market Underwater homeowners and the looming debt bomb.
The Motley Fool October 15, 2008 Kristin Graham	The Next Housing Catastrophe Waiting to Strike Just wait till you see what's lurking in the shadows of this housing mess. The subprime mess was the earthquake and the next wave of option-ARM resets will be the aftershock no one saw coming.
The Motley Fool April 19, 2004 Chris Mallon	In Your Best Interest Rising home prices make interest-only mortgages a popular tool for homebuyers.
The Motley Fool September 24, 2007 Dan Caplinger	A Jumbo Opportunity Interest rates on jumbo mortgages rose nearly half a percentage point in August, even as regular mortgage rates were mostly coming down. Is it time to raise the jumbo loan amount minimum?
BusinessWeek May 6, 2010 Jody Shenn	Mortgages: Strategic Defaults Are On the Rise By not making mortgage payments on "underwater" homes, borrowers may be paradoxically helping to boost the economy.
Financial Advisor January 2011 Gail Liberman	Another Real Estate Mess Clients with option ARMs could be getting a nasty surprise in the coming months.
The Motley Fool November 28, 2008 Dan Caplinger	Last Call for Smart Homeowners The Fed's recent move has triggered a sharp downtick in mortgage rates. If you want to refinance, it may be now or never.
The Motley Fool March 6, 2008 David Lee Smith	Bailout Ben's Bogus Brainstorm The Fed chairman would like to up the federal role, and use your money, to solve housing's woes.
The Motley Fool January 26, 2010 Matt Koppenheffer	Why Are Homeowners Idiots? There's nothing that confuses economists more than people not acting in their own best interest by continuing to pay a large mortgage on a devalued house.
The Motley Fool February 28, 2011 Dan Caplinger	Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.
The Motley Fool October 30, 2009 Matt Koppenheffer	Why You Should Still Fear the Housing Market Don't count on the housing market continuing to show signs of life.
The Motley Fool February 15, 2011 Selena Maranjian	Good Credit Won't Save You Now The "adverse market" surcharge could cost mortgage borrowers thousands annually.
The Motley Fool April 21, 2010 Dan Caplinger	Is the Housing ATM Reopening? Many seniors will be glad to hear what a number of lending institutions are saying about reverse mortgages. They are getting less expensive.
BusinessWeek March 10, 2011 Karen Weise	States Test Mortgage Principal Write-Downs Some economists say home-loan forgiveness is the key to a real estate rebound.
The Motley Fool January 9, 2012 Dan Caplinger	Why This Mortgage Move Is a Bad Idea The rumored proposal to allow refinancing doesn't address the true problem.
The Motley Fool January 26, 2005 Selena Maranjian	When Debt Is Too Good to Be True Beware of interest-only mortgages and other extreme loans.
The Motley Fool October 31, 2007 Selena Maranjian	Mortgage Inflation: How Bad Is Bad? When adjustable-rate loans adjust upward, prepare for a big financial shock.
The Motley Fool January 25, 2010 Morgan Housel	Fannie and Freddie Are Dead. What's Next? Housing, sans Uncle Sam.
The Motley Fool January 9, 2009 Alex Dumortier	Citigroup's Shameful About-Face on Mortgage Mods Beware this misguided effort to stop foreclosures.
The Motley Fool April 17, 2006	Your Down-Payment Portion Don't put down 20% on your new home unless it makes sense for you.
The Motley Fool February 1, 2010 Matt Koppenheffer	Why We Care About Idiot Homeowners There are broad repercussions from homeowners who walk away from their homes.
The Motley Fool February 19, 2010 Morgan Housel	What Happens to Housing After Life Support? So much stimulus, so little time left. Much of housing's life support will have its plug pulled in the coming weeks and months.
The Motley Fool December 28, 2011 Dan Caplinger	Your Smartest Money Move for 2012 If you have a high-interest mortgage, get rid of it.
The Motley Fool October 16, 2009 Morgan Housel	Prudence Just Ain't FHA's Thing Raise down payment requirements may be a good idea. Factors that assign prime borrower status -- such as credit scores, monthly payments, and income -- aren't nearly as conducive to foreclosure as whether a homeowner owes more than their home is worth.
Bank Technology News October 2010 Sausner et al.	Balancing Act Here's a look at three areas of mortgage lending -- origination risk, default management, and impending regulations -- and some of the answers on the table today.
The Motley Fool August 25, 2006 Selena Maranjian	Mortgage Disaster Ahead? As interest rates go up, they can take you down. If your mortgage payments are suddenly higher, you probably have rising mortgage interest rates to blame.
The Motley Fool March 30, 2010 Morgan Housel	Housing: 24 Hours From the Next Leg Down? In 24 hours, the Federal Reserve will stop buying mortgage-backed securities. When it does, there's a good chance the economy will shift in big ways.
The Motley Fool August 10, 2010 Morgan Housel	Are Homeowners About to Hit the Lottery? Rumors are that the Obama administration is about to order lenders Fannie Mae and Freddie Mac to forgive a portion of the mortgage debt of millions of Americans who owe more than what their homes are worth
The Motley Fool October 12, 2006 Mary Dalrymple	Payment Shock! The Fed worries that mortgage buyers will get blindsided by certain mortgages. If you're in the market for a home, look at all of the different types of mortgages available.
The Motley Fool February 15, 2008 Dan Caplinger	Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?
Financial Planning October 1, 2012 Ingrid Case	Out of the Depths: Is a Short Sale the Best Option for your Client? Financial advisors may recommend a short sale to a client who has has fallen victim to the housing collapse.
The Motley Fool July 14, 2008 Dan Caplinger	Curtains for the American Dream? How trouble with Fannie and Freddie could affect your ability to get a mortgage.
The Motley Fool December 15, 2009 Morgan Housel	Who's to Blame for the Mortgage Mess? Because the problem lies with unqualified borrowers -- not inefficient servicers -- it's reasonable to assume the success rate won't go appreciably higher than it currently is.
The Motley Fool December 23, 2009 Dan Caplinger	2009: The Year Borrowers Got a Clue There are increasingly encouraging signs that fiscal responsibility may be a trend that lasts beyond the end of the recession.