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Half of Americans don't think they will ever be able to save for a down payment.
Without the guidance of a financial professional, many consumers are too intimidated to comparison-shop for mortgages. Be sure your clients get the best deal they can.
Standardization of mortgage bonds? Higher down payments for buyers? Risk retention for lenders? Reform of the securitization process? Ideas abound for getting the mortgage market up and running, but there's no consensus as of yet—other than that the sector will still be weak for years to come.
Negative equity reached a new high in the first quarter, with 28.4% of U.S. homeowners with mortgages underwater, meaning they owed more than their properties were worth.
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