{"id":3086,"date":"2020-07-22T05:00:15","date_gmt":"2020-07-22T10:00:15","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/two-reasons-we-wont-see-a-rush-of-foreclosures-this-fall\/"},"modified":"2023-01-04T12:47:28","modified_gmt":"2023-01-04T18:47:28","slug":"two-reasons-we-wont-see-a-rush-of-foreclosures-this-fall","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/two-reasons-we-wont-see-a-rush-of-foreclosures-this-fall\/","title":{"rendered":"Two Reasons We Won\u2019t See a Rush of Foreclosures This Fall"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/21163247\/20200722-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Two Reasons We Won\u2019t See a Rush of Foreclosures This Fall | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>The health crisis we face as a country has led businesses all over the nation to reduce or discontinue their services altogether. This pause in the economy has greatly impacted the workforce and as a result, many people have been laid off or furloughed. Naturally, that would lead many to believe we might see a rush of foreclosures like we saw in 2008. The market today, however, is very different from <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/04\/15\/think-this-is-a-housing-crisis-think-again\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">2008<\/a>.<span id=\"more-42706\"><\/span><\/p>\n<p>The concern of more foreclosures based on those that are out of work is one that we need to understand fully. There are two reasons we won\u2019t see a rush of foreclosures this fall: forbearance extension options and strong homeowner equity.<\/p>\n<p><strong>1. Forbearance Extension<\/strong><\/p>\n<p>Forbearance, according to the <em>Consumer Financial Protection Bureau<\/em> (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-forbearance-en-289\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFPB<\/a>), is <em>\u201c<strong>when your mortgage servicer or lender allows you to temporarily pay your mortgage at a lower payment or pause paying your mortgage.\u201d<\/strong><\/em> This<strong>\u00a0<\/strong>is an option for those who need immediate relief. In today\u2019s economy, the CFPB has given homeowners a way to extend their forbearance, which will greatly assist those families who need it at this critical time.<\/p>\n<p>Under the CARES Act, the CFPB <a href=\"https:\/\/www.consumerfinance.gov\/coronavirus\/mortgage-and-housing-assistance\/mortgage-relief\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">notes<\/a>:<\/p>\n<blockquote>\n<p><strong>\u00a0<\/strong><em>\u201cIf you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days (for a total of up to 360 days).\u201d<\/em><strong style=\"font-size: 16px\"><em>\u00a0<\/em><\/strong><\/p>\n<\/blockquote>\n<p><strong>2. Strong Homeowner Equity<\/strong><\/p>\n<p><a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/06\/18\/want-to-make-a-move-homeowner-equity-is-growing-year-over-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Equity<\/a> is also working in favor of today\u2019s homeowners. This savings is another reason why we won\u2019t see substantial foreclosures in the near future. Today\u2019s homeowners who are in forbearance actually have more equity in their homes than what the market experienced in 2008.<\/p>\n<p>The Mortgage Monitor report from <em>Black Knight<\/em> indicates that of all active forbearances which are past due on their mortgage payment, <strong><em>77% have at least 20% equity in their homes<\/em><\/strong> <em>(See graph below):<\/em><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/21154537\/20200722-MEM-ENG.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42707\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/21154537\/20200722-MEM-ENG.jpg?resize=650%2C366&#038;ssl=1\" alt=\"Two Reasons We Won\u2019t See a Rush of Foreclosures This Fall | Simplifying The Market\" width=\"650\" height=\"366\" \/><\/a><em>Black Knight<\/em> notes:<\/p>\n<blockquote>\n<p><em>\u201cThe high level of equity provides options for homeowners, policymakers, mortgage investors and servicers in helping to avoid downstream foreclosure activity and default-related losses.\u201d<\/em><\/p>\n<\/blockquote>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Many think we may see a rush of foreclosures this fall, but the facts just don\u2019t add up in this case. Today\u2019s real estate market is very different from 2008 when we saw many homeowners walk away when they owed more than their homes were worth. This time, equity is stronger and plans are in place to help those affected weather the storm.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The health crisis we face as a country has led businesses all over the nation to reduce or discontinue their services altogether. This pause in the economy has greatly impacted the workforce and as a result, many people have been laid off or furloughed. Naturally, that would lead many to believe we might see a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3087,"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-3086","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>Two Reasons We Won\u2019t See a Rush of Foreclosures This Fall&#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\/two-reasons-we-wont-see-a-rush-of-foreclosures-this-fall\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Two Reasons We Won\u2019t See a Rush of Foreclosures This Fall&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"The health crisis we face as a country has led businesses all over the nation to reduce or discontinue their services altogether. 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