Homes in Ruby Hill

Saturday, December 4, 2010

Foreclosure Activity and Unemployment

According to the Mortgage Bankers Association the number of households which are behind 30 days or more on their mortgage payments has declined from 14.4% to 13.5%. As for loans which are more than 3 consecutive payments in default or in foreclosure, the number dropped to 8.7% - the lowest since the second quarter of 2009.

Banks continued to report an increase in loan modification approvals - Bank of America saw a 52% increase over the previous month. The moratorium on foreclosures remains in force for most of the major banks.

Housing starts fell by 11.7% in October over the previous month down to a seasonally adjusted rate of 519,000 – an 18 month low.

All the above factors suggest low housing inventories in the months to come.

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