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Roberto Bell's Articles in Mortgage

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  • Mortgages Were Viewed as Option Contracts by Speculators
    The options market is a speculator's paradise. Buying and selling options contracts requires a knowledge of how they work and what gives them value. During the Great Housing Bubble, residential mortgages took on the characteristics of options contracts. This was not by design. The practices of lenders created this problem, and in the end, it cost lenders and investors a great deal of money.
  • Housing Bubble Credit Expansion - Credit Inflated the Housing Bubble
    The Great Housing Bubble was inflated by a massive expansion of credit and the influx of capital into residential mortgages. The expansion of credit took four forms: lower interest rates, lowering or eliminating qualification requirements, different amortization methods, and higher allowable debt-to-income ratios.
  • Mortgage Interest Rates and House Prices
    Mortgage interest rates are determined in an open market and are subject to the forces of supply and demand. These rates are the sum of three main components: riskless rate of return, risk premium, and inflation expectation. The Great Housing Bubble was characterized by historic lows in the federal funds rate, risk premiums and inflation expectations which resulted in the very low mortgage interest rates. These low mortgage interest rates allowed people to finance large sums of money, and these larger bids helped inflate the housing bubble.
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