articles why-mortgage-lending-standards-will-ease-in-2021 
Housing Wire
OCTOBER 31, 2022
From the WSJ article: “ U.S. trillion in savings they accumulated through mid-2021 above and beyond what they would have saved if income and spending had grown in line with the prepandemic economy, according to estimates by Fed economists. Both these laws paved the way for more responsible lending and a more responsible consumer.
Housing Wire
APRIL 8, 2022
One of the reasons that I moved into the “team higher mortgage rate” camp is that what I saw in January, February, and March of this year was so unhealthy that I labeled the housing market savagely unhealthy. after the disease), this is why lockdown protocols have to stay on for much longer. Can this last? No, it can’t.
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