Word: marketing
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Dates: during 2000-2009
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...Administration to thank. The Depression-era agency, once the last resort of folks who were less-than-perfect credit risks, was practically forgotten during the real estate boom - anyone with a pulse qualified for a mortgage. Now the FHA has resumed its old role by propping up the housing market, since private lenders began shunning all but the least-risky loans. The FHA doesn't lend directly but rather entices lenders do so by agreeing to cover any losses. The FHA stood behind fewer than 3% of new mortgages in 2006. In 2009, just three years later, the FHA insured...
...Congress does wind up extending emergency funds to the FHA - which is a full-fledged part of the Federal Government, unlike quasi-government bailout beneficiaries Fannie Mae and Freddie Mac - it will be in large part because of the role the agency has played in stabilizing the housing market. Last spring, as first-time home buyers rushed to take advantage of the $8,000 tax credit designed to lure them into the market, the FHA insured a full 49% of their mortgages. In October, Congress renewed a higher limit on the size of FHA loans...
That's not to say the FHA has been a particularly graceful savior. In October an internal audit showed that as the agency amassed market share, it did a poor job of screening the thousands of new lenders sending it loans. A review of 22 approved applications found that only one contained all the required supporting documentation. (See pictures of Americans in their homes...
...There is a very delicate system of innovation that the technologies make before it is brought to the market place at all,” he said...
...first song, “Cowboy Casanova,” despite its title, is a distinct break from Underwood’s earlier work. It affects a Lambert-lite stomp and swagger, but Underwood is no rockstar. She sings in perfect pitch, but there is no feeling; in a market where the pop audience demands sincerity, or at least heart, Underwood can provide neither. Worst of all, the song lacks recognizable hooks or an engaging melody. It’s all bluster, no substance...