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    I Like this quote I dislike this quote“These non-traditional loans transfer risk to the borrower.”

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    I Like this quote I dislike this quote“In the long run, home prices and incomes have a balance to them, and right now in the Bay Area, it appears they've gotten out of balance.”

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    I Like this quote I dislike this quote“In a number of areas, particularly on the coasts, they have a high risk of price declines in the next two years.”

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    I Like this quote I dislike this quote“We knew the kid of appreciation we had been seeing in some markets was not sustainable over the long term.”

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    I Like this quote I dislike this quote“We expected what we are seeing in the third quarter data, which is a moderating of appreciation that, over time, is likely to bring prices back into line with the economic fundamentals that support them, particularly incomes.”

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    I Like this quote I dislike this quote“The risk of price declines has increased somewhat, but the national and local economies remain strong, which should support a gradual return to an economic climate characterized by slow, steady appreciation.”

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    I Like this quote I dislike this quote“What we're anticipating is a soft landing nationally. The markets will be coming back to their long-term average, which is a 4 percent to 6 percent (annual) appreciation rate.”

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    I Like this quote I dislike this quote“The risks are going up nationally, but they're mitigated by a strong labor market and strong economy.”

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    I Like this quote I dislike this quote“We expect to see the continuation of the slowing trend in many markets.”

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    I Like this quote I dislike this quote“This dropped to 95 percent with a seven-year ownership term and to 92 percent with a five-year ownership term -- still a pretty impressive rate. Home ownership clearly can be an important strategy for building wealth over the long term.”

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