Strategic default: More than an ethics debate
Strategic defaults and the changing consumer stigma around defaulting on a mortgage make for an interesting ethical deba...
Joanne Gaskin
Joanne Gaskin was a Vice President of Scores at FICO.
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Predicting strategic default
The incidence of strategic default is on the rise. But before mortgage servicers can take action, they first must be abl...
Who are your strategic defaulters?
Accurately predicting strategic default risk remains a big challenge for mortgage servicers. Because strategic defaulter...
Research Looks at How Mortgage Delinquencies Affect Scores
How much impact does a short sale have on FICO® Scores? How about a foreclosure? FICO research sheds light on this very subject.
Better risk prediction in mortgage servicing
Perhaps no other entity within financial services has been more challenged by the economic downturn than mortgage servic...
Have mortgage underwriting standards become too strict?
Recently, Zillow.com questioned the tight loan requirements now in vogue among mortgage lenders. The company, an online ...
How predictive is home depreciation?
It’s a common belief among lenders and news pundits that home price depreciation (HPD) is a top predictor of consumer re...
For mortgage relief, one size does not fit all
As noted in last Friday’s New York Times article, the well-intended Making Home Affordable Program that promised to help...
Assessing Risk for First-Time Homebuyers
It is a great time to be a first-time homebuyer. Interest rates are hovering at 4.5% for a 30-year fixed rate mortgage, ...
How do short sales affect a FICO® Score?
There appears to be quite a bit of confusion with consumers and mortgage professionals about how FICO® Scores consider a...
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