Ira Artman (http://www.linkedin.com/in/iraartman) has held quantitative analytical and whole loan trading positions in Mortgage and Structured Finance at JP Morgan Chase, Chase Manhattan, Security Pacific, and City Federal Savings. A graduate of Brown University and MIT’s Sloan School, Mr. Artman resides in New Jersey. He now writes the Sterling Slivers (http://mortgagenewsclips.com/category/ira-artman/) Mortgage Finance/Housing Blog at MortgageNewsClips.com. His writings focus on home prices, mortgage finance, and macro policy. Mr. Artman's views are his own. If you’d like to discuss this post with Ira Artman or contact him, his email address firstname.lastname@example.org (mailto:email@example.com) .