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...wants to buy a house with a subprime mortgage - they're not all evil, but these days they are exceedingly rare - or with a jumbo loan, which now carries an average rate 1.2 percentage points above a regular mortgage. (In normal times, the spread is closer to a quarter of a percentage point.) "Some people are saying, 'Credit crunch, what credit crunch?' and others are ready to cry uncle," says Greg McBride, a senior financial analyst at Bankrate.com. "It shows it really matters where you fall on the risk spectrum...
...about those credit card offers. You may not feel it, but there are fewer of them going out - 1.1 million during the second quarter, down 17% from the same time last year, according to Synovate, a research firm that tracks direct mail. Who's being ignored? Well, subprime borrowers (no surprise there), but also anyone who doesn't make a lot of money: 52% of households with an annual income of less than $50,000 received at least one offer in the second quarter, compared with 66% of such households during the same period last year...
Federal loans aren't completely unaffected. While Stafford loans, which are made directly to students and don't take into account credit history, were up in the second quarter compared to a year ago, loans made to parents through the Parent PLUS program have plummeted - down 29% in dollar volume year-over-year, according to Department of Education data analyzed by Kantrowitz...
...starter began the game on a tear, completing nine of his first 10 passes for 163 yards, including a 53-yard touchdown strike to junior wide receiver Matt Luft and a 17-yard score to sophomore tailback Gino Gordon. Luft had four catches for 99 yards in the first quarter alone and finished with 10 catches for 148 yards.But it would be the end of the first drive that would cost Harvard. After the first touchdown, junior place kicker Patrick Long’s PAT hit the bottom of the uprights and fell back onto the field. While he made...
...expect him to be a strong contributor for us for the rest of the season.”Sophomore Collin Zych will also see increased playing time in the secondary for the first time in his career. Zych got off to a fine start Friday with a crucial third-quarter interception in the end zone, shutting down a Crusader threat and shifting the momentum in Harvard’s direction.“The kid that’s really come along and played really, really well is Collin Zych,” Murphy says. “We?...