Data Cancer Due to Waivers

[J Grant]

We accept as a fact the talking point that the bubble from the last RE cycle was driven by the easy-financing and liar loans; and we accept that much of the slowdown from mid-year 2022 was the direct effect of the increase in interest rates. So yes, how these properties are underwritten and financed is of effect on the payments, which in turn is of effect on the pricing.

The question we're discussing here is whether or not the waiver program is adding to the pricing trends. Beyond what the cash buyers and appraisal-backed mortgages have been adding.

As long as they refuse to release the information in a format that is as easy to search as any other statistic, nobody can know and it will remain speculation, which suits them, since if they chose , FF could easily publish a weekly or monthly list of sold properties that got a WAIVER with the corresponding property addresses.