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This chart illustrates the two refi cycles, the one that we're in right now, and the one that will start roughly 1 year from now.
The bottom line - we're only in the eye of the storm, we haven't passed it yet
1 FaverViewed: 18 TimesQuoted: Loan reset threat looms till 2012
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1 FaverViewed: 9 TimesQuoted: The Oregonian reported Friday morning that it obtained a copy of an internal JPMorgan Chase (“JPMC”) memo titled “Zippy Cheats & Tricks” that provides step-by-step instructions on how to enter false data into a loan approval system called ‘Zippy.’ (Hat tip to Calculated Risk.) In essence, an in-house guide to committing mortgage fraud. Here are pertinent excerpts of the Oregonian report:
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