Jul 12

The Office of the Comptroller of the Currency (OCC) and the Office of Thrift Supervision (OTS) released their joint review of the first quarter 2010.  Home loan delinquency rates decreased in prime, Alt-A and sub-prime categories in the first quarter of 2010.


Pre-foreclosure mortgage delinquencies also improved during the first quarter.  Serious delinquencies were down 7.7 percent compared to the fourth quarter 2009.  Delinquent loans in the 30-59 days past due category fell by 17.7 percent and now account for just 2.8 percent of the loan pool.


Meanwhile current and performing loans increased to 87.3 percent of the loan portfolio.  However, newly initiated foreclosures rose 19 percent to more than 370,000 in the first quarter.  Foreclosures in progress increased to more than 1.1 million units and completed foreclosures rose 19 percent to 153,654.


Overall, the consensus is improving, but once homeowners are in the foreclosure cycle, they are unable to derail the process.  Decreasing foreclosure rates are linked to lender’s efforts to implement modification programs.  Overall, lenders initiated 1.7 times as many mortgage loan modifications as new foreclosures during the quarter.  The number of aggressive actions to prevent avoidable foreclosures increased 5 percent over the fourth quarter 2009 and more than 61 percent in year-over-year comparisons.


Lenders initiated 630,000 retention actions in the first quarter.  These efforts included 100,000 modifications and 190,000 trial plans through Home Affordable Modification Program (HAMP).  Another 130,000 modifications and 93,000 trial plans were started under non-government programs.


Unfortunately, default rates on new modification programs remain elevated.  The OCC and OTS report states that 57 percent of all modified mortgages were at least 60 days late after 12 months.


The viability of short sales as an alternative to foreclosure continued to gain momentum.  Short sales increased 9.2 percent to 41,033 units in the first quarter.  This trend offers exciting alternatives for today’s real estate investors.


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One Response to “Home Delinquency Rates Down, Short Sales Up”

  1. Judy Wilson Says:

    Boy, I wish I knew more about short sales. Wish I had nothing else to do but take my Academy courses and learn everything, so I can GET STARTED! (Patience is not my strong suit, and I know it’s something I need to work on, since it’s one of the necessary qualities for a real estate investor. I can be patient, waiting on an offer response, things like that, but I’m impatient to get up and running with this business. Thanks, Dean, for this sad info for those who can’t keep their homes, but the good news for investors. As you say, we aren’t the ones who caused folks to lose their homes. It’s the fault of the lenders who gave money to people they had NO business doing business with. LOL! Judy


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