Contributing Member of the Financial & Business Services Councils

All News Analyses by this Author

Credit, Credit...Who Has Credit?

August 25, 2008

Analysis of:Lenders reject multiple credit applications | www.guardian.co.uk

Borrowers are being punished twice for seeking a loan during the current credit crunch...three times if you are someone who believes lenders and not borrowers are mainly responsible for the crunch in the first place.

Mortgage Insurers Raise Capital to Address Potential Liability Claims

June 16, 2008

Analysis of:Fitch Cuts Mtge Insurer Ratings; Sees Pressure Until Late '09 | online.wsj.com

All it takes is a sympathetic plaintiff who lost a home to foreclosure and a creative lawyer and suddenly you have a new wave of lawsuits to defend. By accepting premiums for the issuance of mortgage insurance from consumers, the mortgage insurance industry may get dragged into court to explain why their underwriting also failed to detect the residential lending crisis.

The Housing Crisis is Alive and Well

May 15, 2008

Analysis of:The Housing Crisis is Over | online.wsj.com

Call me a cynic, but I am skeptical when the author of an article declaring that the housing market has bottomed works for a hedge fund that doesn't have to declare what investments they currently hold or what role they had in the subprime mortgage debacle. In my opinion, this article declaring that the housing crisis is over ignores reality and offends common sense. The housing crisis is not over and we have not yet hit bottom.

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