OK. So the economy is better. The housing market is in full recovery, if not possibly even in a bubble again. So, what gives with over 50% of all residential mortgages being held by Fannie and Freddie? (As a reference point, that’s up from 7% in 1981). As expected (and always), it comes down to risk.…

Link 1: http://www.popsugar.com/tech/Fun-Last-Minute-Halloween-Costumes-35978794#photo-35978794 Link 2: http://www.idigitaltimes.com/6-cheap-last-minute-halloween-costume-ideas-will-impress-everyone-485611 Link 3: http://www.huffingtonpost.com/deva-dalporto/last-minute-halloween-costumes-for-moms_b_8351894.html Link 4: http://www.newyorker.com/humor/daily-shouts/2015s-most-terrifying-last-minute-d-i-y-halloween-costumes OK. Last week we covered how to handle your house if you’ve gotten this close to the wire and aren’t yet ready for Halloween. But what good is it to have a spooky house if you yourself aren’t prepared to be decked out for the ghouls and…

Link 1: http://www.popsugar.com/tech/Fun-Last-Minute-Halloween-Costumes-35978794#photo-35978794 Link 2: http://www.idigitaltimes.com/6-cheap-last-minute-halloween-costume-ideas-will-impress-everyone-485611 Link 3: http://www.huffingtonpost.com/deva-dalporto/last-minute-halloween-costumes-for-moms_b_8351894.html Link 4: http://www.newyorker.com/humor/daily-shouts/2015s-most-terrifying-last-minute-d-i-y-halloween-costumes OK. Last week we covered how to handle your house if you’ve gotten this close to the wire and aren’t yet ready for Halloween. But what good is it to have a spooky house if you yourself aren’t prepared to be decked out for the ghouls and…

The housing data is already shockingly strong (on top of the good news covered here the last few days, we just discovered that the housing supply shrunk from 5.1 months to 4.8 months). Now, on top of that, we have strong job data, with the four-week moving average on initial claims for state jobless benefits…

Following on several days, and to a lesser extent months, of really good news, the big boys are making noise that may be immediately appealing to many borrowers, but may not be so hot for the market as a whole. Freddie Mac has hinted that more low-down-payment products could be on the way. Of course, low…

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