Settlement versus Deletion May 17, 2022
I’ve had some questions come in about getting a settlement agreement on a collection or charged off account and how that plays out in having the account deleted from your credit report. A settlement is an agreement to pay less than the balance showing. Saving money is always a good thing — especially when the … Continue reading Settlement versus Deletion […]
Dispute Letter Tip + Sneak Preview May 3, 2022
It’s a good idea to edit your dispute letter to make it personal to your situation. This is why I included samples of actual dispute letters with the Letter Packet you get free with the book. (Request it here.) One small edit you can make to help prevent your letter from looking like it is … Continue reading Dispute Letter Tip + Sneak Preview
How Title Insurance Protects You April 26, 2022
Lender’s Title Insurance is required when you buy a new home and close on that mortgage loan. The title company does a search to make sure the title is clear of all encumbrances and possible issues. They insure your title for the life of the loan with lender’s title insurance. No lender will give final … Continue reading How Title Insurance Protects You […]

Housing Trends: A Statewide Market Retrospective of Peak, Crash and Climb March 1, 2018
A Closer Look at the CoreLogic Special Report The housing market has gone through historical fluctuations over the past 12 years. The latest Special Report from CoreLogic chronicles the housing price index (HPI), beginning with the pre-crash peak years, through the market correction during the recession, up to December 2017. During this period, the U.S. econ […]
Mortgage Performance: PLRMBS Issuance Resurgence February 21, 2018
A Closer Look at the Private Label Lending Product While issuance volumes are nowhere near pre-crisis levels, the Private Label Residential Mortgage Backed Securities (PLRMBS) market has continued to provide access to funding for mortgage loans that don’t conform to the current tight credit markets. We observe a cycle starting in 2009 where a limited number […]
Housing Trends: U.S. Single-Family Rents Up 2.7 Percent Year Over Year in November February 20, 2018
Houston Rent Growth Remains Strong Due to Hurricane Harvey National rent growth decelerated in November 2017 compared with November 2016 High-end segment growth accelerated in November 2017 compared with November 2016 Of 20 select metros analyzed, only Honolulu and Miami experienced a decrease in single-family rents in November National single-family rent pr […]

FY 2022 Metro Supportive Service Tax Collections Hit $110M in Month of April; Before Distribution to Counties Metro Takes $19.8 M Haircut for Tax Collection and Their Admin Costs. May 18, 2022
Metro has posted a meeting package for their May 23th Supportive Housing Services Regional Oversight Committee meeting with several items of interest.. (The Oversight Committee landing page is HERE) 120% FMR For Supportive Service Rental Assistance is Seen as Plus in Expanding Choice But May Pose Problem. Minutes from prior meeting say"Marc added that t […]
CORRECTED: Portland Metro Housing Authorities Getting Creative with Use of Metro Supportive Services Funds. I Project Per Unit Average Clackamas Project Based Assistance Cost, Including Services, at $2,338 Per Unit Per Month. May 16, 2022
After feedback and interaction with the Clackamas County Housing Authority Monday I have made these corrections to the prior post:The monthly rent for the 3 bedroom unit has been reduced below 120% because HACC determined it was above their rent reasonableness determination. So instead of $2,941 the 3 BR rent was reduced to $2,888. This impacts the 3 bedroom […]
Metro Supportive Services Program Implementation Plans, Grant Agreements, and Progress Reports Consolidated Into 3 PDF Files. May 12, 2022
The sheer complexity of tracking housing policies and data can be overwhelming. Metro's Supportive Services housing measure is a good example. There are local implementation plans, grant agreements, and progress reports that collectively total more than 1,600 pages. In an initial effort to make it simpler to find and search that information I created 3 […]

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Maybe Home Price Gains Aren’t Decelerating After All

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