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It is clear that the judicial foreclosure process has interfered with the housing recovery. Designed to protect homeowners, it has done the opposite (unless you consider allowing people to live for free a good thing). Now, those who live in judicial foreclosure states are going to pay more for their mortgages than those who do not.

In light of higher foreclosure costs and delays in judicial states, the FHFA (the regulatory body for Fannie Mae and Freddie Mac) is proposing additional fees on loans made in judicial foreclosure states. The FHFA has selected Connecticut, Florida, Illinois, New Jersey, and New York (all judicial states) for the new fees, as the total carrying cost of loans in these states far exceed the national average. The fee would be charged to lenders as a one time upfront fee for every loan Fannie or Freddie acquires, resulting in homeowners paying a higher effective mortgage payment.

John Burns's picture

Front Running the Fed

We are very bullish on housing, and already thinking through the impact that 3.5% mortgage rates can have if prices rise substantially due to the interest rate stimulus. The Fed has put 34% more purchasing power into the pockets of homeowners, and investors are taking advantage.
Predicting the Future
We think home prices are poised to rise significantly, and we aren't the only ones. Investors of all sorts are piling into the housing industry. Here is some of the evidence:

Gregory Tsujimoto's picture

Gen Y—You'll Have to Wait

You may think of tech-savvy Gen Y as contrarian, iPad-toting hipsters in search of super-green urban living, averse to all things suburban and unwalkable. Born between 1980 and the early 2000s, Gen Y looks poised to be the next big purchaser of homes and one that the homebuilding industry is eagerly anticipating. After all, they will quickly become the predominant generational group within the primary home buying age.  

buying by age