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FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
FDIC FYI March 28, 2002	Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders...
FDIC FYI April 11, 2002	Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter...
FDIC FYI February 7, 2002	Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time...
FDIC FYI February 22, 2006 Nathan Powell	What the Yield Curve Does (and Doesn't) Tell Us Regardless of the slope of the existing yield curve -- positive, flat, or negative -- bankers will benefit from strategies designed to cope with the uncertainty of changing interest rates.
OCC Bulletin July 1, 2004	Embedded Options and Long-Term Interest Rate Risk This bulletin alerts banks to the importance of measuring the cash flow and valuation risks for assets and liabilities with embedded options.
U.S. Banker March 2010 Joe Adler	Get Ready for Rising Rates Near-zero interest rates won't last forever, and regulators are warning banks -- particularly those that added long-term assets using short-term funds -- to take steps to manage their risk.
FDIC FYI November 26, 2002	Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks
Real Estate Portfolio Sep/Oct 2003 Lynn Novelli	First Rate Times have been very good for Thornburg Mortgage, but what impact will interest rate hikes have?
BusinessWeek June 7, 2004 Dean Foust	Look Out Below, Lenders The end of the mortgage boom is nigh -- and it could get ugly for banks and thrifts.
FDIC FYI August 15, 2002	Ten Largest Thrift Companies: Interest-Rate Environment Supports Strong Earnings The interest-rate environment accompanying the recession has been generally supportive of high earnings for the nation's 10 largest thrift institutions, which specialize in mortgage lending.
FDIC FYI June 3, 2002	Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings Commercial banks earned a record $21.7 billion in the first quarter of 2002, besting the previous quarterly earnings record set in the first quarter of 2001 by 9.6 percent.
Real Estate Portfolio Jul/Aug 2002	A New Phase for Mortgage REITs Even beyond the numbers, mortgage REITs today are better prepared to deal with adverse environments than in the past. However, given their diverse business models and risk exposures, there are still challenges that remain.
FDIC FYI August 29, 2002	Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses.
The Motley Fool March 25, 2011 Selena Maranjian	Beware This Mercurial Mortgage The potentially risky ARM home loan is once again gaining popularity.
The Motley Fool March 20, 2008 Dan Caplinger	A Farewell to ARMs? Adjustable-rate mortgage rates haven't behaved the way they should -- and that's bad news both for borrowers and for policymakers trying to restore stability to the financial system.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
National Real Estate Investor January 1, 2005 Matt Hudgins	Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way.
Entrepreneur September 2008 Rosalind Resnick	The Going Rate Think long-term when it comes to refinancing.
U.S. Banker May 2007 Thomas P. Vartanian	Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
National Real Estate Investor February 1, 2006 Beth Mattson-Teig	Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.
BusinessWeek June 14, 2004 Peter Coy	The Right Way To Choose A Mortgage With gasoline over $2 a gallon and inflation making headlines, the conventional wisdom says you should get a fixed-rate mortgage. That seems sensible, but it's the wrong way to choose a mortgage.
The Motley Fool December 12, 2007 Dan Caplinger	Early Christmas for Mortgage Borrowers There's some good news on the mortgage front for a change. Lending has not come to a grinding halt. In fact, for those who have good credit and qualify for standard fixed-rate loans, mortgages have actually gotten more affordable.
FDIC FYI May 2, 2005	FYI Revisited U.S. Home Prices: Does Bust Always Follow Boom? The broadening of the U.S. housing boom during 2004 may imply a growing role for national factors-including the availability, price, and terms of mortgage credit-in explaining home price trends.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
The Motley Fool October 14, 2010 Selena Maranjian	Think Twice Before You Refinance You may not have considered these factors.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
Bank Technology News July 2003 Karen Krebsbach	Redrawing Clients' Financial Picture MoneyFind helps banks retain clients
The Motley Fool December 14, 2006 Mary Dalrymple	Mortgage Payment Blues If your mortgage rate is rising, is it time to refinance?
The Motley Fool June 17, 2005 Selena Maranjian	10 Things to Know About Mortgages You have a lot of options when it comes to financing your home. Most of us are familiar with mortgages, but even experienced home-buyers may not be aware of a few meaningful facts and options. Here are some interesting details about mortgages.
Commercial Investment Real Estate Jan/Feb 2003 Thomas Jaekel	Low Rates Help Insulate Commercial Markets From Unstable Economy Slower growth is an indication of the market's discipline and bodes well for the commercial real estate industry in light of an unpredictable economy.
FDIC FYI September 19, 2002	A Look at Residential and Commercial Real Estate Markets Senior examiners and asset managers at federal bank and thrift regulatory agencies continue to see deterioration in the condition of commercial real estate markets while markets for single-family residences generally remain strong.
Financial Planning December 1, 2011 Howard Hill	Decoding Mortgage REITs Mortgage REITs have become a hot topic as Wall Street firms have boosted coverage of this specialized slice of the stock market amid a flurry of IPOs over the past two years or so. These companies are potentially worthy investments, even for risk-averse clients.
The Motley Fool November 29, 2006 Dan Caplinger	The Inverted Yield Curve and You: Part 2 Here is how investors can capitalize on the current interest rate environment.
National Real Estate Investor May 1, 2006 Matt Hudgins	Year of the Mega Loan Large loans and mushrooming CMBS issuance drove commercial real estate financing levels to an all-time high last year, but lenders say a slowing pace of transactions could temper loan volume as 2006 unfurls.
BusinessWeek July 19, 2004 Christopher Palmeri	Lenders Switch On Their Back-Up Systems After one of the nation's largest mortgage lenders announced earnings 17% below expectations, investors wondered if the nation's three-year-long mortgage bonanza might end not with a soft landing but with an earnings-pummeling thud.
Finance & Development December 1, 2007 Randall Dodd	Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt.
U.S. Banker April 2005 Lee Conrad	The End of Cheap Money Mortgage rates can't hold out much longer against the steady rate hikes from the Federal Reserve; industry consolidation may follow.
Real Estate Portfolio Sep/Oct 2007 Dees Stribling	Coming into Focus Mortgage REITs of all stripes tighten their lending practices to improve their outlook going forward. The subprime event may mark a permanent change in the business environment for mortgage REITs, as well as mortgage lenders and investors.
BusinessWeek September 11, 2006 Mara Der Hovanesian	Nightmare Mortgages They promise the American Dream: A home of your own - with ultra-low rates and payments anyone can afford. Now, the trap has sprung.
The Motley Fool March 31, 2010 Matt Koppenheffer	More Banking Panics Are on the Way Short-term lending agreements between banks prime the system for bank runs.
The Motley Fool June 8, 2004 Selena Maranjian	Time's Running Out to Refinance Interest rates won't stay low forever. Should you refinance now?
The Motley Fool May 4, 2006	Fixed-Rate vs. Adjustable-Rate Learn which mortgage is best for you.
This Old House Sid Davis	Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.
The Motley Fool October 28, 2004	More Types of Mortgages You have more to choose from than just traditional fixed or adjustable mortgages.
Commercial Investment Real Estate Jan/Feb 2004 Thomas Jaekel	Wait and See Commercial real estate capital market activity hinges on interest rates and job growth.
The Motley Fool December 8, 2006 Mary Dalrymple	Mortgage Power for Everyone Arm yourself with information before shopping for a home loan.
FDIC FYI March 23, 2006	Scenarios for the Next U.S. Recession. A string of positive reports on the U.S. economy and banking industry has led some analysts to ask -- How long can these good times last?
Commercial Investment Real Estate Jan/Feb 2006 Stanley D. Longhofer	The Rate Debate Interest rate analyses provide unique perspectives on financing commercial real estate investments.