The hottest Mortgage Substack posts right now

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Another Follow-Up Against Agglomeration

Erdmann Housing Tracker • 105 implied HN points • 14 Mar 24

💰 Finance Economics Housing Income Construction Mortgage

The mortgage crackdown post-2008 led to a housing shortage, impacting construction of single-family homes in different cities.
There is a correlation between the drop in construction activity after 2008 and metro area incomes, where lower income areas experienced a greater decline.
Trends suggest housing constraints may lead to higher incomes, impacting new single-family home construction and mortgage lending standards across different cities.

Daily Chartbook #299

Daily Chartbook • 1414 implied HN points • 12 Oct 23

💰 Finance Mortgage Corporate

US Weekly mortgage applications rose despite increasing rates.
Percentage of outstanding 30-year mortgages have incentives for refinancing.
There's a geoeconomic risk discount applied to global equity markets.

Fannie Mae Single-Family Mortgage Serious Delinquency Rate Lowest since 2002

CalculatedRisk Newsletter • 110 implied HN points • 28 Aug 23

💰 Finance Mortgage Pandemic Housing

Fannie Mae Single-Family Mortgage Serious Delinquency Rate is lowest since 2002.
Freddie Mac reported no change in serious delinquency rate in July.
The serious delinquency rates are now below pre-pandemic levels and before housing bust.

Black Knight Mortgage Monitor: Purchase Rate Locks "are now running 39% below pre-pandemic levels"

CalculatedRisk Newsletter • 95 implied HN points • 06 Sep 23

💰 Finance Mortgage Interest Rates

Purchase rate locks are 39% lower than before the pandemic.
Cash-out refis have declined.
Interest rates have hit a 22-year high, causing over 50% of homebuyers to face monthly payments of $2,000 or more.

2023: The Year of The Cash ISA

The Fat Software Engineer • 30 implied HN points • 03 May 23

💰 Finance Investing Savings Inflation Mortgage Interest Rates

Consider opening a Cash ISA with a good interest rate if you might need the money in less than 5 years.
Research different options and banks to find the best interest rate for a Cash ISA.
Understand that with high inflation, even with a 3.4% interest rate, the buying power of money in a Cash ISA can still decrease.

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Alert: Central Bank of Nigeria Circular FPR/DIR/PUB/CIR/001/029

RegAlert • 0 implied HN points • 30 Sep 21

💰 Finance Policy Mortgage Compliance Banks

The Central Bank of Nigeria issued a circular listing primary mortgage banks as of September 30, 2021, for financial institutions to comply with the stated requirements.
The list includes various mortgage banks located in different states across Nigeria.
Financial institutions are advised to review the circular and ensure they are in compliance with the regulations.