A Historical Perspective
Learn the one trend that has been in place for the past 25 years and is ending right now.
Find out why financial markets were so tight in the early 80s and how that it affected rates.
Learn how the 2007 Mortgage Meltdown was the first significant trend reversal in 25 years.
Find out about another less dramatic trend reversal that took place back in 2003.
Understand what determines interest rates on a daily basis and why they re rising now.
An Overview of the Situation
How the Subprime programs work and why so many of them end in foreclosure.
Learn what the margins and prepayment penalties are in the different loan programs.
Find out why refinancing is no longer an option for many Subprime borrowers.
Find out the shocking statistics that came out in early 2007, causing chaos on Wall Street.
Learn the ability to see the future when it comes to resetting mortgage payments.
The Converging Trends
Understand why interest rates hit a bottom back in 2003 and guidelines were easier than ever.
Find out why the Federal Funds Rate was at historic lows at the exact same time.
Learn why, unlike the stock market, soaring house prices defined their own downfall.
Find out why the FED raised rates 17 times when the bond markets were also trending up.
Learn why lower appreciation rates are contributing to soaring foreclosure rates.
Find out why the reaction in the financial markets increased risk rather than the opposite.
The Investor Perspective
Why the lender on your mortgage papers probably is not carrying the actual loan.
Learn how the re-pricing of debt was delivering huge losses to the retail lenders.
Find out why the lenders were forced to continue lending even though re-pricing continued.
Learn why the re-pricing of debt forced the investors to take huge write-downs as well.
What the FED Did and Why.
Find out exactly what the FED did and why their first move was a brilliant play.
Learn what the FED invited back into the economy by lowering interest rates.
Learn why the US dollar has lost over 40% of its value versus the EURO since 2001.
Why other countries will jump in if necessary to stop the US dollar from dropping too quickly.
The Opportunities Left Behind
Find out all the different loan programs that were hit by the re-pricing of mortgage debt.
Understand why the leverage available in real estate will continue to make it a good investment.
Find out the one category of loan programs that didn t get hit and even has lower rates today.
Learn about the opportunity in private lending or hard money loan programs.
Understand short sales and foreclosures and who will be able to capitalize on those deals.
The Future of House Values
Learn who the 3 different players are who are all selling homes on the market.
Find out why each group has a strong incentive to accept discounts for the homes they sell.
Understand how the appraisal process converts fire sales into lower overall valuations.
Why actual homeowners are the last ones to accept the new lower values.
Understand why the division between rich neighborhoods and poor ones is getting wider.
Learn the 4 states that are being affected by foreclosures more than any of the others.
List Price: $ 9.97
Price: $ 9.97