Pearl River I was startled to pick up my copy of Poverty & Race, which is normally a pretty dry effort by largely academics sprinkled with some organizers from time to time that looks at policy in these areas produced quarterly by the Poverty & Race Research Action Council. The lead article seemed of …
Category: Housing
Nontraditional Loans and Barney Frank
Pearl River As it becomes harder to get loans to buy homes, borrowers are increasingly looking for alternatives, including non-traditional, unguaranteed, noncomforming mortgages. The Wall Street Journal notes that in 2025, such loan originations rose from less than 1% in 2020 to almost 6% of total mortgages in 2025. Should we worry? Maybe, they …
Home Insurance Scores the Credit
New Orleans Are you kidding me? How can this be true? It turns out that home insurance companies in many states are not basing their premiums solely on the actuarial risks of your home, as much as they are on your personal credit history and credit scores. How did we all not know …


