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Tag Archives: Mortgage Default Risk

Are First-Time Homebuyers a Bigger Risk? Yes and No

The author called first-time homebuyers “inherently different from repeat homebuyers. They are younger and have lower credit scores, lower home equity, and less income and, therefore, are less likely to withstand financial stress or take advantage of financial innovations available in the market than repeat homebuyers.”

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Default Risk Index For Agency Purchase Loans Hits Series High

The default risk for Agency mortgage loan originations rose in January, marking the fifth straight month-over-month increase, according to the composite National Mortgage Risk Index (NMRI) released by AEI's International Center on Housing Risk. In January, the NMRI for Agency purchase loans increased to a series high of 11.94 percent. That number represented an increase of 0.4 percentage points from the October through December average and a jump of 0.8 percentage points from January 2014.

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