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Thursday, December 18, 2008

FDIC: No Mortgage Modifications, No Recovery

From Realtor Magazine Online, Daily Real Estate News December 18, 2008

Modifying mortgages to make them affordable is key to a recovery, says Sheila Bair, chair of the Federal Deposit Insurance Corp.

Bair, who spoke Wednesday at an event sponsored by the New America Foundation, emphasized that regulators’ top priority must be to stop the housing crisis.

"Using a combination of interest rate reductions – capped at a prime, conforming rate -– amortization extensions and, in some cases, principal deferment produces modifications that will last and, we believe, dramatically lower the re-default rate," Bair said.

Source: Dow Jones Business News, Ruth Mantell (12/17/2008)

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