The LPS Mortgage Monitor has a nice series of 33 slides that shows delinquent loans had stabilized in the first half of 2010 but new problem loans are once again picking up.
Over 4 million homes are 90 days late or in foreclosure.
Total Delinquent and Foreclosure Rates
Delinquent loans still at troubling levels. Expect foreclosures to rise.
Noncurrent Loans
There are 7 million noncurrent loans but that is down from 8.1 million at the beginning of the year.
New Problem Loans
Unfortunately, things have gotten worse since July-August, just about when home prices stopped rising.
Average Days Delinquent for Homes in Foreclosure
That chart highlights the desperate need to speed up, not halt the foreclosure process.
Economic Conditions Deteriorating
Unfortunately, but not unexpectedly, things are getting worse since mid-summer.
Adding to the housing misery, over 2 million unemployed workers will lose benefits starting November 30 unless Congress acts to extend benefits in the lame-duck session. Don't count on it.
Furthermore, gallup surveys point to a flat Christmas season at best, so seasonal hiring may not be as good as expected. Finally, stimulus money is spent and there is no driver for jobs with inventory replenishment nearing the end.
These factors will put still more pressure on delinquent loans and foreclosures, which in turn will further pressure prices.
The housing bottom may be a lot further off than most think, in terms of time and price.
Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List
· Lenders
should extend moratoriums on home foreclosures to all states, including
Michigan, rather than just those states with judicially supervised
foreclosures.
· Lenders that have initiated moratoriums
should insure that they actually prevent foreclosures rather than just
evictions subsequent to foreclosures.
· The Federal
Housing Finance Agency, which oversees Fannie Mae and Freddie Mac,
thereby controlling a major portion of mortgages subject to foreclosure
in the U.S., should review its procedures for proper compliance and
also consider initiating a foreclosure moratorium
At the
same time, Conyers announced plans to investigate mortgage lenders to
learn more about their foreclosure practices, including paperwork
violations and false affidavits, and ascertain what can be done to
protect homeowners from possible abuses. As part of this effort,
Conyers is asking the Federal Housing Finance Agency – the federal
agency charged with overseeing Fannie Mae and Freddie Mac – to ensure
that they abide by the law, to consider initiating a moratorium, and to
conduct an audit of their actions. In addition, Conyers will be calling
upon the DOJ’s Executive Office for U.S. Trustees to investigate the
extent to which false affidavits have been filed in bankruptcy cases by
lenders seeking to foreclose on debtor’s homes.
Thus far, only
three lenders – Ally Financial (parent of GMAC Mortgage), Bank of
America, and JP Morgan Chase – have ceased post-foreclosure enforcement
actions in 23 states that have court- controlled foreclosure
proceedings: Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa,
Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico,
New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania,
South Carolina, South Dakota, Vermont, and Wisconsin. Even those
lenders appear to have only ceased evictions, while they continue to
engage in foreclosures, which take title from homeowners.
At this
point Michigan and 26 other states are not on the moratorium list for
these lenders, purportedly because they have a non-judicial foreclosure
process. However, without judicial oversight, the possibility of abuse
can be even greater in these states. As a result, elected state
officials in non-judicial foreclosure states such as California,
Colorado, Texas, Massachusetts, and Maryland have recently asked lenders
to suspend their foreclosures.
Widespread concern about
documentation abuses in the mortgage industry is not limited to state
officials. Yesterday, House Speaker Nancy Pelosi and other members of
the California congressional delegation called on the Justice
Department, the Treasury Department, and the Federal Reserve to
investigate large mortgage lenders’ handling of delinquent mortgages,
mortgage modifications, and foreclosures. Additionally, Senators Robert
Menendez (NJ) and Al Franken (MN) called on the Government
Accountability Office to investigate the role of federal government
entities charged with overseeing the mortgage lending industry to
determine how they allowed lenders’ misconduct to occur without
detection for so long. Also, Members of Congress from Maryland and
Arizona – two non-judicial foreclosure states - called on large lenders
to halt foreclosures in their states.
“It makes little sense to
limit the moratoriums to judicial foreclosure states when many of the
same errors and paperwork flaws likely plague non-foreclosure states,”
said Conyers. “When the very same lenders that ignored the rules which
helped get us into the real estate bubble are placed in charge of the
foreclosures that are exacerbating the problem, locking millions of
Americans in a financial trap they cannot escape from, we have a
situation that is spiraling out of control and cries out for
intervention.”
“Given the depth of the financial calamity in
Michigan and other states, the huge number of foreclosures, and the
chain reaction of problems involving foreclosures that has impacted
communities and individuals, I would urge home mortgage lenders to cease
their foreclosure activities,” said Conyers. “Rather than spending
their time running mass production foreclosure mills, the lenders should
be working with individuals to keep families in their homes and
restructure their loans.”
“Home foreclosures affect individual
families and devastate entire communities,” said Congresswoman
Kilpatrick. “For home foreclosures to proceed under false pretenses is
patently unwarranted and unfair. I am proud to join one of the founders
of the CBC and Chairman of the House Judiciary Committee in this
clarion call for justice, fairness, and equality to Michiganders and all
Americans.”
###
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
The LPS Mortgage Monitor has a nice series of 33 slides that shows delinquent loans had stabilized in the first half of 2010 but new problem loans are once again picking up.
Over 4 million homes are 90 days late or in foreclosure.
Total Delinquent and Foreclosure Rates
Delinquent loans still at troubling levels. Expect foreclosures to rise.
Noncurrent Loans
There are 7 million noncurrent loans but that is down from 8.1 million at the beginning of the year.
New Problem Loans
Unfortunately, things have gotten worse since July-August, just about when home prices stopped rising.
Average Days Delinquent for Homes in Foreclosure
That chart highlights the desperate need to speed up, not halt the foreclosure process.
Economic Conditions Deteriorating
Unfortunately, but not unexpectedly, things are getting worse since mid-summer.
Adding to the housing misery, over 2 million unemployed workers will lose benefits starting November 30 unless Congress acts to extend benefits in the lame-duck session. Don't count on it.
Furthermore, gallup surveys point to a flat Christmas season at best, so seasonal hiring may not be as good as expected. Finally, stimulus money is spent and there is no driver for jobs with inventory replenishment nearing the end.
These factors will put still more pressure on delinquent loans and foreclosures, which in turn will further pressure prices.
The housing bottom may be a lot further off than most think, in terms of time and price.
Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List
· Lenders
should extend moratoriums on home foreclosures to all states, including
Michigan, rather than just those states with judicially supervised
foreclosures.
· Lenders that have initiated moratoriums
should insure that they actually prevent foreclosures rather than just
evictions subsequent to foreclosures.
· The Federal
Housing Finance Agency, which oversees Fannie Mae and Freddie Mac,
thereby controlling a major portion of mortgages subject to foreclosure
in the U.S., should review its procedures for proper compliance and
also consider initiating a foreclosure moratorium
At the
same time, Conyers announced plans to investigate mortgage lenders to
learn more about their foreclosure practices, including paperwork
violations and false affidavits, and ascertain what can be done to
protect homeowners from possible abuses. As part of this effort,
Conyers is asking the Federal Housing Finance Agency – the federal
agency charged with overseeing Fannie Mae and Freddie Mac – to ensure
that they abide by the law, to consider initiating a moratorium, and to
conduct an audit of their actions. In addition, Conyers will be calling
upon the DOJ’s Executive Office for U.S. Trustees to investigate the
extent to which false affidavits have been filed in bankruptcy cases by
lenders seeking to foreclose on debtor’s homes.
Thus far, only
three lenders – Ally Financial (parent of GMAC Mortgage), Bank of
America, and JP Morgan Chase – have ceased post-foreclosure enforcement
actions in 23 states that have court- controlled foreclosure
proceedings: Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa,
Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico,
New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania,
South Carolina, South Dakota, Vermont, and Wisconsin. Even those
lenders appear to have only ceased evictions, while they continue to
engage in foreclosures, which take title from homeowners.
At this
point Michigan and 26 other states are not on the moratorium list for
these lenders, purportedly because they have a non-judicial foreclosure
process. However, without judicial oversight, the possibility of abuse
can be even greater in these states. As a result, elected state
officials in non-judicial foreclosure states such as California,
Colorado, Texas, Massachusetts, and Maryland have recently asked lenders
to suspend their foreclosures.
Widespread concern about
documentation abuses in the mortgage industry is not limited to state
officials. Yesterday, House Speaker Nancy Pelosi and other members of
the California congressional delegation called on the Justice
Department, the Treasury Department, and the Federal Reserve to
investigate large mortgage lenders’ handling of delinquent mortgages,
mortgage modifications, and foreclosures. Additionally, Senators Robert
Menendez (NJ) and Al Franken (MN) called on the Government
Accountability Office to investigate the role of federal government
entities charged with overseeing the mortgage lending industry to
determine how they allowed lenders’ misconduct to occur without
detection for so long. Also, Members of Congress from Maryland and
Arizona – two non-judicial foreclosure states - called on large lenders
to halt foreclosures in their states.
“It makes little sense to
limit the moratoriums to judicial foreclosure states when many of the
same errors and paperwork flaws likely plague non-foreclosure states,”
said Conyers. “When the very same lenders that ignored the rules which
helped get us into the real estate bubble are placed in charge of the
foreclosures that are exacerbating the problem, locking millions of
Americans in a financial trap they cannot escape from, we have a
situation that is spiraling out of control and cries out for
intervention.”
“Given the depth of the financial calamity in
Michigan and other states, the huge number of foreclosures, and the
chain reaction of problems involving foreclosures that has impacted
communities and individuals, I would urge home mortgage lenders to cease
their foreclosure activities,” said Conyers. “Rather than spending
their time running mass production foreclosure mills, the lenders should
be working with individuals to keep families in their homes and
restructure their loans.”
“Home foreclosures affect individual
families and devastate entire communities,” said Congresswoman
Kilpatrick. “For home foreclosures to proceed under false pretenses is
patently unwarranted and unfair. I am proud to join one of the founders
of the CBC and Chairman of the House Judiciary Committee in this
clarion call for justice, fairness, and equality to Michiganders and all
Americans.”
###
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
eric seiger
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
The LPS Mortgage Monitor has a nice series of 33 slides that shows delinquent loans had stabilized in the first half of 2010 but new problem loans are once again picking up.
Over 4 million homes are 90 days late or in foreclosure.
Total Delinquent and Foreclosure Rates
Delinquent loans still at troubling levels. Expect foreclosures to rise.
Noncurrent Loans
There are 7 million noncurrent loans but that is down from 8.1 million at the beginning of the year.
New Problem Loans
Unfortunately, things have gotten worse since July-August, just about when home prices stopped rising.
Average Days Delinquent for Homes in Foreclosure
That chart highlights the desperate need to speed up, not halt the foreclosure process.
Economic Conditions Deteriorating
Unfortunately, but not unexpectedly, things are getting worse since mid-summer.
Adding to the housing misery, over 2 million unemployed workers will lose benefits starting November 30 unless Congress acts to extend benefits in the lame-duck session. Don't count on it.
Furthermore, gallup surveys point to a flat Christmas season at best, so seasonal hiring may not be as good as expected. Finally, stimulus money is spent and there is no driver for jobs with inventory replenishment nearing the end.
These factors will put still more pressure on delinquent loans and foreclosures, which in turn will further pressure prices.
The housing bottom may be a lot further off than most think, in terms of time and price.
Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List
· Lenders
should extend moratoriums on home foreclosures to all states, including
Michigan, rather than just those states with judicially supervised
foreclosures.
· Lenders that have initiated moratoriums
should insure that they actually prevent foreclosures rather than just
evictions subsequent to foreclosures.
· The Federal
Housing Finance Agency, which oversees Fannie Mae and Freddie Mac,
thereby controlling a major portion of mortgages subject to foreclosure
in the U.S., should review its procedures for proper compliance and
also consider initiating a foreclosure moratorium
At the
same time, Conyers announced plans to investigate mortgage lenders to
learn more about their foreclosure practices, including paperwork
violations and false affidavits, and ascertain what can be done to
protect homeowners from possible abuses. As part of this effort,
Conyers is asking the Federal Housing Finance Agency – the federal
agency charged with overseeing Fannie Mae and Freddie Mac – to ensure
that they abide by the law, to consider initiating a moratorium, and to
conduct an audit of their actions. In addition, Conyers will be calling
upon the DOJ’s Executive Office for U.S. Trustees to investigate the
extent to which false affidavits have been filed in bankruptcy cases by
lenders seeking to foreclose on debtor’s homes.
Thus far, only
three lenders – Ally Financial (parent of GMAC Mortgage), Bank of
America, and JP Morgan Chase – have ceased post-foreclosure enforcement
actions in 23 states that have court- controlled foreclosure
proceedings: Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa,
Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico,
New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania,
South Carolina, South Dakota, Vermont, and Wisconsin. Even those
lenders appear to have only ceased evictions, while they continue to
engage in foreclosures, which take title from homeowners.
At this
point Michigan and 26 other states are not on the moratorium list for
these lenders, purportedly because they have a non-judicial foreclosure
process. However, without judicial oversight, the possibility of abuse
can be even greater in these states. As a result, elected state
officials in non-judicial foreclosure states such as California,
Colorado, Texas, Massachusetts, and Maryland have recently asked lenders
to suspend their foreclosures.
Widespread concern about
documentation abuses in the mortgage industry is not limited to state
officials. Yesterday, House Speaker Nancy Pelosi and other members of
the California congressional delegation called on the Justice
Department, the Treasury Department, and the Federal Reserve to
investigate large mortgage lenders’ handling of delinquent mortgages,
mortgage modifications, and foreclosures. Additionally, Senators Robert
Menendez (NJ) and Al Franken (MN) called on the Government
Accountability Office to investigate the role of federal government
entities charged with overseeing the mortgage lending industry to
determine how they allowed lenders’ misconduct to occur without
detection for so long. Also, Members of Congress from Maryland and
Arizona – two non-judicial foreclosure states - called on large lenders
to halt foreclosures in their states.
“It makes little sense to
limit the moratoriums to judicial foreclosure states when many of the
same errors and paperwork flaws likely plague non-foreclosure states,”
said Conyers. “When the very same lenders that ignored the rules which
helped get us into the real estate bubble are placed in charge of the
foreclosures that are exacerbating the problem, locking millions of
Americans in a financial trap they cannot escape from, we have a
situation that is spiraling out of control and cries out for
intervention.”
“Given the depth of the financial calamity in
Michigan and other states, the huge number of foreclosures, and the
chain reaction of problems involving foreclosures that has impacted
communities and individuals, I would urge home mortgage lenders to cease
their foreclosure activities,” said Conyers. “Rather than spending
their time running mass production foreclosure mills, the lenders should
be working with individuals to keep families in their homes and
restructure their loans.”
“Home foreclosures affect individual
families and devastate entire communities,” said Congresswoman
Kilpatrick. “For home foreclosures to proceed under false pretenses is
patently unwarranted and unfair. I am proud to join one of the founders
of the CBC and Chairman of the House Judiciary Committee in this
clarion call for justice, fairness, and equality to Michiganders and all
Americans.”
###
eric seiger
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
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Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
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Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
big seminar 14
There are plenty of foreclosure homes on the market right now, which makes it a burgeoning opportunity for foreclosure clean up companies. Many new business owners in this sector don't know what to expect though when doing jobs.
They have questions like, "What types of cleanup do foreclosure homes require?" For example, is it mostly trash removal, cleaning, repairs, etc. Every foreclosure job is different. Following is why.
Age of House: Older homes, in general, require more cleaning and repairs than newer homes. The reason we say general is because of previous occupants, which brings us to the next point.
Occupants: Many foreclosure homes are purposely vandalized by previous occupants. Losing one's home is an emotional time. It pushes many over the edge and they take that anger out on the house. Their intent is to harm the lender in many cases, not the house.
So when a foreclosure cleaning crew enters, they may find holes punched in sheetrock, doors torn off hinges, feces spread throughout (more common than many think), water purposely left running, fixtures torn out and a host of other damage.
Of course, this requires much more work for the foreclosure cleaning crew than a home where the occupants left peacefully.
How Long Vacant: Homes that are left vacant for a long period of time tend to require more work for foreclosure clean up companies. This is because, the longer a home sits vacant, the more likely it is to be vandalized.
Thieves: Thieves come in to rip copper out of the walls to sell. This means destroying sheetrock to get to the copper; and breaking doors and windows to enter the property initially.
Vagrants: Or, you may have vagrants who take up residence. Usually, there's no running water when a home is vacant. So the foreclosure cleaning crew will likely find filth, waste and garbage throughout the property.
Vandals: Everything from neighborhood kids throwing rocks and knocking out windows, to graffiti, to people dumping garbage - homes that sit empty for long periods of time invite all of this.
One foreclosure cleaning business owner said that garbage dumping is common when homes are left vacant. And, if the home is empty for a long period of time, it can take several dumpster loads to remove all the waste - from the inside and outside of a foreclosure home.
Most foreclosure cleaning jobs are simple trashouts, eg, hauling out what previous owners have left behind. But as you can see, a lot of what foreclosure homes require from the cleanup crew depends on several factors.
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
Colts <b>News</b>: NFL: <b>NEWS</b>
NFL: NEWS. The Colts talked through the off-season about improving the running game. During a recent three-game...(11.04). NFL: NFC NEWS - . NFL: AFC NEWS - � UpClose Online: 11/03/2010 � NFL 5K Run/Walk ...
Why MSNBC Isn't The Liberal Fox <b>News</b> - TV Guidance - Macleans.ca
The network just gave an “indefinite” suspension to its star pundit, Keith Olbermann, for giving money to three Democratic candidates. The president of MSNBC, Phil ...
Small Business <b>News</b>: Building Your Small Business Empire
Thinking big in your small business will stop you from ignoring potential markets, and allow you to try those super cool ideas you might think your business is.
eric seiger
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