They really aren't the big bad wolves people think they are
Next year will be remembered as the year when balance started returning to the luxury market
Expect slowed price growth and modest improvement in the number of homes for sale
There needs to be a shift in government policy so that we can make it easier for builders to do what they do best
It's unlikely to be overturned entirely or prompt a subprime lending surge
Some lower-rated borrowers aren't even applying for mortgages -- why not?
Matthew Gardner responds to Gary Keller's predictions of a potential downturn on the horizon