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Author Archives: David Wharton

David Wharton, Online Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 15 years of experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at David.Wharton@DSNews.com.

Q1 Mortgage Delinquency Snapshot

As we approach hurricane season again, the impact of last year’s damaging storms are still being felt in the form of elevated 90+ day delinquency rates in some affected communities. According to the Mortgage Bankers Association's (MBA) National Delinquency Survey, ...

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The Hypervacancy Problem in American Cities

residential segregation in housing

Over the last few decades, housing vacancies have become more widespread in many American communities. That’s according to a new report published this week by the Lincoln Institute of Land Policy. But why is the problem so widespread, and what ...

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What Fannie Forecasts for Housing in 2019

Fannie Mae Economic and Strategic Research Group’s May 2018 Economic and Housing Outlook predicts continued economic growth throughout the rest of 2018. As we enter 2019, however, the GSE forecasts a potential change in that momentum. According to Fannie’s May ...

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Low Credit Scores Add Up

credit scoring

A “fair” credit score between 640 and 679 could cost a borrower around $720 a year in extra mortgage payments than a borrower with an “excellent” score, according to a new Zillow study. Zillow analyzed Annual Percentage Rate (APR) terms ...

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Goldman Sachs Mortgage Relief Settlement Actions Near $1B

Goldman Sachs is approaching the billion-dollar mark for mandated consumer-relief actions stemming from two mortgage-related settlement agreements with the U.S. Department of Justice and three states. Professor Eric D. Green, who serves as independent Monitor for the company’s consumer-relief agreements, ...

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Mulvaney: CFPB to Enforce, ‘Not Become the Law’

CFPB

Speaking at an industry conference this week, Mick Mulvaney, Acting Director of the Consumer Financial Protection Bureau, outlined the bureau’s ongoing shift away from “regulation by enforcement” and toward more regulatory clarity. During a keynote speech at the 2018 REALTORS ...

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What’s Happening With Single-Family Rentals?

non-owner-occupied

Single-family rents have been climbing steadily since 2010, but the latest edition of the CoreLogic Single-Family Rental Index (SFRI) also shows year-over-year (YOY) rent growth also continuing to decelerate in February 2018. That slow deceleration has been the norm since ...

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Michael R. Bright Nominated to Head Ginnie Mae

On Tuesday, the Trump administration announced that it was nominating Michael R. Bright as President of the Government National Mortgage Association, otherwise known as Ginnie Mae. If confirmed, Bright would be the agency’s first permanent head since Ted Tozer stepped ...

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Remodeling Survey Shines Light on Homeowner Sentiment

Discovering why homeowners choose to remodel can reveal unexpected insights into attitudes and expectations about the current housing market. According to the latest Remodeling Market Index (RMI), released quarterly by the National Association of Home Builders, the number of homeowners ...

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The Most Affordable College Town Is …

Whether consumers are hunting for their perfect house or just trying to find a place to rent, affordability is a key factor in determining if it’s time to settle down or move elsewhere. With so many students burdened by crippling ...

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