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(English) QRM: The Other Side of the Argument

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15 comentarios
  1. Mark Brian
    Mark Brian Dice:

    The push for the 20% is coming from the banks so they would be exempt from the 5% risk retention.

    As you stated in the Bottom Line, and I agree, more stringent loan qualifications are needed. I am not sure 20% down payment is the answer.

    I recall reading that VA loans have low down payments but also have historically low delinquency levels. Do you know if this is true? Are there other examples, whether domestic or otherwise, that prove higher down payment levels equal lower default levels?

    Responder
  2. Lilly
    Lilly Dice:

    So why don’t you come up with a solution to the problem, that let’s the realtors share in the risk, so we taxpayers don’t feel like we’re the only ones benefiting. Builders guava been coming up with creative ways to sell more homes…that they finane, so why don’t the raptors finally do the same. How about the «Realtors Lending Group» , where the realtors take the risk for the loans that they want to approve.

    Even though I’m a realtor, we can’t always expect everyone else to bail us out and shoulder the risk, and we just make the money. What’s good for realtors isn’t always good for taxpayers.

    Responder

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