Joe Chatham

Greater Boston Contact Info
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Pitzer College, Claremont Colleges

About

Seasoned business development leader and executive, with a focus on relationship…

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Experience & Education

  • USA 500 Clubs LLC

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Publications

  • The Mortgage Crisis: 2007-2013

    Thomson Reuter/Andrews Publications

    Author evaluates mortgage markets and challenges which endanger recovery of real estate markets.

    See publication

  • Harbinger of Things to Come

    Gerson Lehrman Group

    When seasonally adjusted, the figures from the S&P/Case-Shiller 20-city home price index do not appear too bad. The numbers, however, do not reflect the shadow inventories of lenders who are simply not foreclosing because of backed-up REO departments, moratoriums, postponement-oriented loan modifications, etc. In addition to said inventories, do not forget the portfolios of Alt-A loans that are only now starting to go delinquent, namely the Pay-Option ARM's.

    See publication

  • Lower Rates, While Great, Do Little For Jumbo Lending

    Gerson Lehrman Group

    The Realty Times article reflects the positive effects of lower interest rates on mortgage originations and home purchases, but fails to note the failure of said rates to transcend the conforming/conventional markets into the jumbo markets. The implications of this failure are that many homeowners in the higher cost states (CA, NY, MA, etc.) still cannot get competitive financing; thus, driving home prices down further.

    See publication

  • It is All in the "W"

    Gerson Lehrman Group

    KB, a lower cost builder, is benefitting from the perception that we have hit the bottom. We have not. Thus, the peak of the inside of the "W" is about to wane

    See publication

  • Round II: Coming to a neighborhood near you

    Gerson Lehrman Group

    While a very general description of the Pay Option ARM disaster that is looming, the Reuters article is dead-on in two conclusions: many more homes will be hitting the market over the course of the next two and one-half years and that the mortgage plague that started with the subprime crisis will be moving from the lower income strata to the middle and higher income areas

    See publication

  • Deutsche Bank Recognizes the Depth and Width of "A" Paper Crisis to Come

    Gerson Lehrman Group

    The depth of the "Alt A" mortgage crisis is coming home to roost. We are likely to see the depreciate creep (or flood as the case may be) is going to hit the areas that the subprime loans barely touched.

    See publication

  • I hate to say I told you so, but.....

    Gerson Lehrman Group

    We have a perfect storm brewing in the housing real estate market. All facts point to a furthur drop in values

    See publication

  • Article should be titled: "Fed Moves To Curb Lending Further"

    Gerson Lehrman Group

    Limiting Compensation on "sub-prime" loans will kill the industry as well as stifle lending even further.

    See publication

  • Home Prices: This slide is but a taste of things to come

    Gerson Lehrman Group

    Although steep declines in home values are enticing new homebuyers, the overall affordability indices are troublesome. Existing "A" paper loan portfolios suggest trouble ahead. Further declines are not only coming, they should be welcome

    See publication

  • Bush, Bernanke, BandAids & Bloodletting

    Gerson Lehrman Group

    *Recent Bush proposals ease anxiety more than solve issues. *Some parts of proposals may worsen the foreclosure markets. *FHA is overdue reform, despite markets. *Bloodletting is necessary.

    See publication

  • Pay Option ARM's: A Ticking Time-bomb?

    Gerson Lehrman Group

    -There may be huge risk with Option ARM lenders
    -Markets are vulnerable to bad Option ARM loans
    -Option ARM's may be able to outlast real estate slump

    See publication

  • Loss Mitigation Efforts are Key to Foreclosure "Soft Landing"

    Gerson Lehrman Group

    The Standard and Poors' article is the only article that I have seen that points out that there is, indeed, hope for the subprime forelosure world.

    Loss Mitigation is a process too few understand and that all involved with the mortgage world should be acquainted with.

    Loss Mitigation eforts will definitavely change the face of this "crisis"

    See publication

Organizations

  • USA 500 Clubs

    Club Facilitator

    - Present

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