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Volume 22 - Number 24

November 21, 2018

Higher Rates Constraining Housing Inventory

Rising interest rates arenít a major inhibitor of demand for purchase mortgages but they have reduced housing inventory, according to Mark Fleming, chief economist at First American. ďRising mortgage rates create a financial disincentive for existing homeowners with low mortgage rates from selling their homes,Ē he said in an analysis this week. ďThis phenomenon impacts both sides of the supply-and-demand dynamic Ė those who donít sell, donít buy either.Ē First American, a title insurance ...

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.