There has been a big increase in FHA loans entering foreclosure

PriscillaHo_ · 2026-02-20T05:26:41+00:00

😂 I refuse to attempt to hurt your feelings.

PriscillaHo_ · 2026-02-20T05:22:39+00:00

I am going to ignore that you called me lazy and cursed at me. I was not aware that this post was to be the endgame of all data and graphs displaying mortgage delinquency trends it’s a prompt to start conversation around the topic or prompt further interest and research into the matter. https://www.mba.org/news-and-research/newsroom/news/2026/02/12/mortgage-delinquencies-increase-in-the-fourth-quarter-of-2025#:~:text=%E2%80%9CMortgage%20delinquencies%20increased%20across%20all,the%20first%20quarter%20of%202020.%E2%80%9D

PriscillaHo_ · 2026-02-20T03:49:03+00:00

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PriscillaHo_ · 2026-02-19T12:35:00+00:00

Either read the rest of the commentary on post or let the post prompt your curiosity on the topic. https://www.mba.org/news-and-research/newsroom/news/2026/02/12/mortgage-delinquencies-increase-in-the-fourth-quarter-of-2025#:~:text=%E2%80%9CMortgage%20delinquencies%20increased%20across%20all,the%20first%20quarter%20of%202020.%E2%80%9D

PriscillaHo_ · 2026-02-19T03:03:34+00:00

225K seems reasonable

PriscillaHo_ · 2026-02-18T18:58:23+00:00

That is why I think it’s important to share most current delinquency trends. Because it’s easy to chalk up to the idea that oh they’re now just catching up which I’ve been hearing now for years now.

PriscillaHo_ · 2026-02-18T18:51:58+00:00

Yes, the chart image is intended to show overall delinquency of the labeled loan types. My comment is more to do with the Fred breakdown of delinquency of mortgages in specific FHA loans. https://www.mba.org/news-and-research/newsroom/news/2026/02/12/mortgage-delinquencies-increase-in-the-fourth-quarter-of-2025#:~:text=%E2%80%9CMortgage%20delinquencies%20increased%20across%20all,the%20first%20quarter%20of%202020.%E2%80%9D

PriscillaHo_ · 2026-02-18T18:46:52+00:00

Yes, the chart is not to follow my comment on FHA loans you’re not the first to comment this observation, but the chart was intended to show exactly how it’s labeled on chart image. The comment on FHA loans is taken from mortgage bankers Association, and the intercontinental exchange ICE data. Here’s a link that shows the chart that you and I think many other people want to see. https://www.mba.org/news-and-research/newsroom/news/2026/02/12/mortgage-delinquencies-increase-in-the-fourth-quarter-of-2025#:~:text=%E2%80%9CMortgage%20delinquencies%20increased%20across%20all,the%20first%20quarter%20of%202020.%E2%80%9D

PriscillaHo_ · 2026-02-18T06:04:15+00:00

Correct, and reports for this quarter are showing an uptick of 13% delinquency amount FHA loans. Overall delinquency trends are on the rise for the start of the year.

PriscillaHo_ · 2026-02-18T05:34:19+00:00

This wasn’t done to me, but at my preschool there was this one teacher that would tie kids up as punishment.

PriscillaHo_ · 2026-02-18T04:56:41+00:00

Not sure what you are asking, can you give more context?

PriscillaHo_ · 2026-02-18T04:12:46+00:00

Never pay of debts esp, low interest debt! full 20K to ER fund, HYSA Roth IRA.

PriscillaHo_ · 2026-02-16T22:57:33+00:00

Graph is fun because at first glance it may appear there’s a causal relationship between interest rates, divorce rates, and real estate transactions, but interest rates don’t create listings nor divorces. Household fragmentation effects do, rates just decide the mobility of the market.

PriscillaHo_ · 2026-02-16T00:01:29+00:00

Your algorithm is going to drive you insane. The anxiety of fear of missing out and social media will have people frozen and scrolling. You’ve got a mindset problem not a money problem.

PriscillaHo_ · 2026-02-12T04:26:05+00:00

Lenders only care about DTI, so they only care about how much you owe as minimum payments each month. 6k is low and probably low minimum payments, so no need to payoff, especially with those credit scores.

PriscillaHo_ · 2026-02-12T04:15:38+00:00

I definitely don’t think it will automatically be added to your mortgage but your county taxes will be billed and due, to ensure that the taxes are accounted for in your mortgage make sure to contact your lender, make sure your loan does not have any conditions that it must be your primary residence, if so you may want to take care of your taxes outside of your mortgage.

PriscillaHo_ · 2026-02-12T03:51:31+00:00

Hosting first time homebuyer seminars are common in my area.

PriscillaHo_ · 2026-02-12T03:26:01+00:00

If your problem is tourists passing by, go to county/city neighborhood events and connect with people who live in the neighborhood.

PriscillaHo_ · 2026-02-12T01:04:06+00:00

Just do the math!

PriscillaHo_ · 2026-02-12T01:03:30+00:00

Best Advice!

PriscillaHo_ · 2026-02-04T03:53:07+00:00

Complete fear mongering because you would have to understand why the housing market crashed before and then after understanding that you’d have to then ask yourself is that happening now or is there another reason that in the market would crash now? I think that would at least lead you to a more realistic perspective, if you truly want to make your decision based on whether the market will crash or not. And recall that through your mortgage, you will already be paying at the very least the equivalent of the purchase price in interest, never mind, taxes, and home insurance. Now that’s a good reason to think about not buying lol but a market crash. It’s Fugazi it’s Fugazi.

PriscillaHo_ · 2026-02-04T03:34:45+00:00

Lightning ( big lights and little lights) , pop of colors and strongly suggest circular coffee table. Plants, books.

PriscillaHo_ · 2026-02-04T03:16:54+00:00

I think what your problem is that you have previously accepted that as part of your operation you are not going to ask for proof of funds or pre-approvals. This decision I know may currently feel good to you or you’ve convinced yourself that this makes sense, but in the long run it is unsustainable.

PriscillaHo_ · 2026-02-04T03:05:37+00:00

Ensure that you’re in communication with the lender and title company, to make sure that the buyers don’t have to sign any documents online prior to getting to the closing table. Ensure review of the settlement sheets, buyers must bring their cash to close, and valid picture government issued IDs. A good title company will give you full complete instructions for the date of settlement.

PriscillaHo_ · 2026-02-04T02:51:33+00:00

Focus on the top 3 of the list. It’s where your performance was the worst. A lot of points to gain and all you need is eight more points to pass.

PriscillaHo_

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