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Blog Entries by Kathryn Dobbyn

How Have Homeowners’ Incomes Changed Over Time?

A Homeowner Income Index Shows Some Surprising Results

Kathryn Dobbyn    |    Mortgage Performance

Income inequality and wage stagnation have garnered greater attention in the backdrop of the continuing recovery from The Great Recession. These issues been addressed by the national news media, Notably economists and politicians, and at some length here at CoreLogic. It was during the course of one of these internal discussions that questions arose regarding the nature of incomes and...

More Or Less Natural Hazard Risk Than Average: It’s All About Location

Parcel-Level Hazard Risk Estimates Highlight Market Differences

Kathryn Dobbyn    |    Natural Hazard Risk

We all intuitively know that location matters when it comes to real estate. For the U.S. housing market, emphasis on location has in the past been in terms of factors such as school districts, commuting times, mass transit and walkability. That being said, in 2013, severe weather caused more than $8 billion in property damage throughout the United States. This number is only expected to...

Jumbo Conforming Loan Originations 2013 YTD

The Minimal yet Targeted Impact of the HERA High Cost Loan Limits in Today’s Market

Kathryn Dobbyn    |    Housing Trends, Mortgage Performance

Roughly two years ago, there was a fierce debate amongst housing policy experts regarding the future of conforming loan limits brought on by the oncoming expiration of the American Recovery and Reinvestment Act (ARRA) of 2009. ARRA had temporarily raised the conforming loan limit for high-cost areas to $729,000 from mid-2009 to late 2011 and there was much consternation over whether or not to extend the duration of the higher loan limits. In the end, the bill was not extended and the loan limits for high-cost areas fell back down to the lower limits set forth in the Housing and Economic Recovery Act of 2008 (HERA), which are calculated annually as a function of median house prices in local areas. Now that November is here, the time of year when updated conforming loan limits are traditionally announced, and as another fierce debate has begun around the future of the conforming loan limits, I...