“The US housing market continues to represent a ticking time bomb not just for lender balance sheets, but for the entire economy,” warn William C. Wheaton, et al, in an article in the article “Rebalancing the US Housing Market: Two Proposals,” in Real Estate Finance.  Why the concern and warning? One reason is the marked increase in both Home Equity Loans and Home Equity Lines of Credit (HELOCs).  They increased some 20 percent in 2015 in what USA Today described as a “borrowing binge.”  Their numbers are increasing, with even […]