{"id":2541,"date":"2019-11-14T05:00:21","date_gmt":"2019-11-14T11:00:21","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/this-is-not-2008-all-over-again-the-mortgage-lending-factor\/"},"modified":"2019-11-14T05:00:21","modified_gmt":"2019-11-14T11:00:21","slug":"this-is-not-2008-all-over-again-the-mortgage-lending-factor","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/this-is-not-2008-all-over-again-the-mortgage-lending-factor\/","title":{"rendered":"This is Not 2008 All Over Again: The Mortgage Lending Factor"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/07163859\/20191114-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"This is Not 2008 All Over Again: The Mortgage Lending Factor | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they\u2019re pointing at is the availability of mortgage money.<\/p>\n<p><span id=\"more-41185\"><\/span><\/p>\n<p>Recent articles about the availability of low-down payment loans and down payment assistance programs are causing concern that we\u2019re returning to the bad habits of a decade ago. Let\u2019s alleviate the fears about the current mortgage market.<\/p>\n<p>The <em>Mortgage Bankers\u2019 Association<\/em> releases an index several times a year titled: <a href=\"https:\/\/www.mba.org\/news-research-and-resources\/research-and-economics\/single-family-research\/mortgage-credit-availability-index\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">The Mortgage Credit Availability Index<\/a> (MCAI). According to their website:<\/p>\n<blockquote>\n<p><em>\u201cThe MCAI provides the only standardized quantitative index that is solely focused on mortgage credit. The MCAI is\u2026a summary measure which indicates the availability of mortgage credit at a point in time.\u201d<\/em><\/p>\n<\/blockquote>\n<p>Basically, the index determines how easy it is to get a mortgage. The higher the index, the more available the mortgage credit.<\/p>\n<p>Here is a graph of the MCAI dating back to 2004, when the data first became available:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/07163825\/20191114-MEM-ENG.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41186\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/11\/07163825\/20191114-MEM-ENG.jpg?resize=650%2C488&#038;ssl=1\" alt=\"This is Not 2008 All Over Again: The Mortgage Lending Factor | Simplifying The Market \" width=\"650\" height=\"488\" \/><\/a>As we can see, the index stood at about 400 in 2004. Mortgage credit became more available as the housing market heated up, and then the index passed 850 in 2006. When the real estate market crashed, so did the MCAI (to below 100), as mortgage money became almost impossible to secure.<\/p>\n<p>Thankfully, lending standards have eased since. The index, however, is still below 200, which is half of what it was <strong><em>before<\/em><\/strong> things got out of control.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>It is easier to get a mortgage today than it was immediately after the market crash, but it is still difficult. The difference in 2006? At that time, it was difficult <strong><em>not to get<\/em><\/strong> a mortgage.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. One of the factors they\u2019re pointing at is the availability of mortgage money. Recent articles about the availability of low-down payment loans and down payment assistance programs are causing concern that we\u2019re returning [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2542,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-2541","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>This is Not 2008 All Over Again: The Mortgage Lending Factor&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/this-is-not-2008-all-over-again-the-mortgage-lending-factor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"This is Not 2008 All Over Again: The Mortgage Lending Factor&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Some are afraid the real estate market may be looking a lot like it did prior to the housing crash in 2008. 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Recent articles about the availability of low-down payment loans and down payment assistance programs are causing concern that we\u2019re returning [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/this-is-not-2008-all-over-again-the-mortgage-lending-factor\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-14T11:00:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2019\/11\/20191114-KCM-Share-549x300.jpg?fit=549%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"549\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta 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