Author Archive
MERS And Recording – Past, Present, And Future (Pt. 3-A New System)
This is part 3 of a three part series. See also Part 1 and Part 2. The Solution The innovation of MERS into the mortgage and recording process has led to wholesale changes in mortgage… Read more
MERS And Recording – Past, Present, And Future (Pt. 2-Securitization)
This is part 2 of a three part series. See Part 1 and Part 3. The Securitization of Loans Loan Securitization is one of the key elements in mortgage lending today. The securitization of… Read more
MERS And Recording – Past, Present, And Future (Pt. 1-Recording)
This is Part 1 of a three part series. See Part 2 and Part 3. Is the Current Recording Process Sufficient for Today’s Complex Financial Instruments? Can MERS Resolve the Issues? An… Read more
Analysis of Obama’s Proposed Fannie/Freddie “Streamline Refi” Program
In the President’s speech to Congress on Thursday, Sep 8, he referenced a new program that he would initiate to assist homeowners with their housing woes. Details of the proposal have not been… Read more
Promoting Housing Recovery – Part III: Proposed Solutions For The Housing Market
This is the final part of a three-part, two-post series. Click here to read parts I and II, which focus on recognizing the fundamental economic problems, and fixing the underlying economic issues… Read more
Promoting Housing Recovery: Parts I and II
Previously, I have posted articles regarding housing and foreclosure issues. The purpose was to begin a dialogue on the steps to be taken to alleviate the foreclosure crisis, and to promote housing… Read more
Resolving The Foreclosure Crisis
Previously, I posted an article which discussed stresses upon the housing market, current and future, and how the stresses were going to interplay with the housing recovery. Items were discussed in… Read more
An Analysis Of The Proposed QRM Rules
In an attempt to correct problems encountered during the Housing Boom and later Foreclosure Crisis. the government, in its infinite wisdom, has issued for review new guidelines for mortgages. These… Read more
Forces Facing The Housing Market
Day after day, week after week, and month after month, there are media reports concerning the status of housing in the US. Depending upon the source, housing values are increasing, or decreasing…. Read more
Loan Modification & the Comprehensive Homeowner Financial Recovery Program – The New Paradigm
In Feb 2010, I authored an article for ML-Implode titled “HAMP=Foreclosure” that was well received. The article dealt with the effectiveness of HAMP, and revealed issues with HAMP that would… Read more
