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Getting a Loan is Easier Thanks to Non-Bank Lenders
Mortgage by nonbanks have not only surged past those coming from regulated banks. (like quicken loans) Where in 2013 banks originated 70 percent of new mortgages, this year nonbanks originated 60 percent.
According to Core Logic, 70% of the houses in Texas are not covered by any insurance. Most people there do not have flood insurance.
One must expect, with dollar losses at the level CoreLogic predicts, there will be a substantial impact on the housing and housing finance industries as well.
The price in the south bay of a single family home topped one million.That’s a 15% increase over last year.
However, most economists dont see a bubble and are forecasting a general 5% increase for this year for SoCal in general.
The House of Representatives passed the H.R. 10, the Financial Choice Act, along straight party lines. This is a sweeping overhaul of the Dodd-Frank Wall Street Reform and Consumer Protection Act, passed in the wake of the 2008 financial and housing meltdown.