All GLG News Analyses Filed Under: Mortgages, Consumer & Specialty Finance

Harnath SithamrajuConsultantHarnath Sithamraju

House is where your heart is

June 8, 2009

Analysis of:  Mortgage approvals rise adds to recovery hopes | business.timesonline.co.uk

Basic instinct of human beings - at the slightest downturn in the price buy.It is a bargain!

Situation of Venture Capital in Germany

June 8, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Consulting Management Platform | /news.glgroup.com/CM/Request/Requests.aspx?type=a

VC spendings are low, but did not decline as much as in other countries in Western Europe in first quarter 2009. Early stage investors speak of more activity in second quarter 2009. Valuations are considered very low. More investments by corporate VC companies versus open funds. Business Angel networks...

Commercial Mortgage Refi Dilemma Much More than CMBS Issue

June 3, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Panel Says Commercial Lending Losses on the Rise | www.google.com

The paucity of refinancing available for commercial real estate properties has massive implications for banks, CMBS investors and commercial real estate equity values. The sheer volume of commercial real estate mortgages coming due in the next 24 months that will not be able to obtain refinancing is...

Do As I Say, Not as I Do

June 1, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Credit card bill not all good for consumers | www.guardian.co.uk

As Obama says, we'd all be better off if we'd live within our means. Regretably government is following the opposite prescription. Thus, the consumer needs to be prepared for a lower dollar, higher interest rates and inflation - along with a sagging economy. If the consumer can't control their spending,...

James McMahonPresidentJM Bear Advisors

Residential Mortgage Rates Fall Again This Week....Does it Matter ?? What Is the Tipping Point?

May 25, 2009

Analysis of:  Consulting Management Platform | /news.glgroup.com/CM/Request/Requests.aspx?type=a

This week we saw residential mortgage rates fall even lower for almost all loan programs. However, the question needs to be asked..Does it really matter at this point in time. If rates dropped into the 300 basis point range would there be a rush by the public to buy new or exiting housing stock?

Will The Recent Credit Card Regulations Infact Be Bad For Consumers?

May 21, 2009

Analysis by:GLG Expert Contributor

Analysis of:  What credit card legislation means for you | moneyfeatures.blogs.money.cnn.com

Limiting the flexibility of banks will result in fewer consumers being offered credit cards and they will be offered with more stringent terms.

James McMahonPresidentJM Bear Advisors

Residential Real Estate Started this Down Turn - Residential Real Estate will Take Us Out of It Too !!!

May 21, 2009

Analysis of:  Consulting Management Platform | /news.glgroup.com/CM/Request/Requests.aspx?type=a

Much has happened in the credit markets in the past several years and many things have contributed to the current economic downturn. The road in the rear view mirror is littered with failed policies from the government and from private segments of the econimic system. One thing is certain. The...

Mark MariottiChief Executive OfficerFuture Management Holdings Inc

Balance of price and funding has occurred in local markets.

May 19, 2009

Analysis of:  Mortgage lending picks up | www.ft.com

One of the final stages required for a real estate cycle recovery is buyer availability of funding, and the capitulation of sellers price expectation.

An Understanding of Recent Refinancing Application Trends--Berliner Consulting & Research

May 13, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Update on Refi Applications | www.fixedincomecolor.com

The MBA's index of refinancing applications has trended lower over the past few weeks.  The attached article makes the point that a number of factors may be impacting the index.  These factors include a limited population of homeowners that are able to refinance at this point, due to LTVconstraints...

James McMahonPresidentJM Bear Advisors

Residential Mortgage Application Market Still Dominated By Fear

May 11, 2009

Analysis of:  Abbey says mortgage market is set to grow | www.timesonline.co.uk

We are clearly at the trough of this cycle. Except for some speed bumps ahead which will all be different in size and lenght we have some time before we see a ramp up. Consumer skepticism in the existing and new housing market still dominated by consumer fears of job stabiity and housing prices.

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