Deborah Huso

Deborah Huso is creative director and founding partner of WriteWell Media.

ARTICLES

From HW Magazine

The American Dream revisited

Why consumers might have to choose between a college education and homeownership
Today the average student debt resulting from a four-year degree stands at $30,000. According to a report released by American Student Assistance in 2015, 71% of non-homeowners surveyed who carry student debt say the burden of monthly payments has kept them from purchasing a home. More than half of those say their student debt loads will likely prevent home ownership for another five years.
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From HW Magazine

A perfect storm in Silicon Valley

How the Bay Area’s insane job market creates an unsustainable and even crazier housing situation
The Silicon Valley area added 385,000 jobs between 2010 and 2015, but only issued building permits for 58,000 units in that same time frame, creating an unsustainable housing marker that shuts out all but the richest buyers. What, if anything, can be done to cool off skyrocketing home prices?
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How state and local governments are constructing a solution for affordable housing

Covering the gap left by federal programs
According to Harvard University’s Joint Center for Housing Studies, the supply gap in 2015 was 400,000 units. Of course, that leads to price inflation on rental rates for existing units as well as driving developers to build. But today’s construction isn’t necessarily providing for all of tomorrow’s renters.
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Lenders concoct new loans for nontraditional borrowers

Entrepreneurs and self-employed workers get an origination refresh
Nontraditional income earners are becoming increasingly mainstream, particularly among Millennials, who, compared to their parents and grandparents, move from job to job a lot more, are more likely to be independent contractors and may lack a solid credit profile.
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From HW Magazine

Rental surge: Why more people are opting out of homeownership

Renting becomes a long-term alternative for many
Has the Great Recession launched a new era of renting versus buying that will eventually result in a nation where more people rent their homes than purchase them? Or is the increase in renters these days due to an “over-correction” in the market? According to the latest “State of the Nation’s Housing” report from Harvard’s Joint Center for Housing Studies, the U.S., in less than a decade, lost all its homeownership gains of the last 20 years.
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From HW Magazine

Why immigrants are crucial to the housing market

The driving force behind 40% of housing demand, and growing
Despite all the media attention focused on Hispanic immigrants, the fastest-growing group of immigrants is actually Asians and, more specifically, Indians. Indians as well as Chinese-Americans are also more likely to own than rent.
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From HW Magazine

Global reach: Exploring the risks and rewards of offshore mortgage servicing

Do perks outweigh the pitfalls?
Sometimes offshoring sounds like a bad word. In reality, offshore mortgage servicing simply means using remote staff, usually to take advantage of lower labor and overhead costs and round-the-clock staffing availability. But legitimate questions remain. In the midst of increasing compliance pressures, is offshoring a sound strategy for mortgage servicers looking to stay competitive, or a fast track to dissatisfied customers and trouble with the CFPB?
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