Foreclosures in the U.S. housing market are lower today than at any time in the past fifteen years. Initially that statement can be read as good news; after all, fewer foreclosures mean fewer people are falling behind on their mortgage payments. The driver of this good news, however, is actually the declining number of families that are qualifying to get a mortgage to purchase a home. When Congress enacted regulations to shore up the banking system after the 2008 financial crisis, they modified ... [Continue Reading]
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