Although I am a more or less contented WF customer, including the 15 year fixed mortgage on our Berkeley hovel (but an expensive hovel), I am a little skeptical of WF's "fortress bank" classification by Cramer because it has a large inventory of home equity lines of credit (HELOC). If those HELOCS are on houses in my neighborhood (no foreclosures in this zip code that I know of, decline in prices less than for Bay Area overall), no worries. If they are on a subdivision in Stockton or outer Contra Costa County, plenty worry. How good are the appraisals and how much cushion is there?
-
Although I am a more or less contented WF customer, including the 15 year fixed mortgage on our Berkeley hovel (but an expensive hovel), I am a little skeptical of WF's "fortress bank" classification by Cramer because it has a large inventory of home equity lines of credit (HELOC). If those HELOCS are on houses in my neighborhood (no foreclosures in this zip code that I know of, decline in prices less than for Bay Area overall), no worries. If they are on a subdivision in Stockton or outer Contra Costa County, plenty worry. How good are the appraisals and how much cushion is there?
Oct 15 14:46 pm
|Rating:
0
0
All Comments by BerkeleyBob »Earnings Preview: Wells Fargo [View article]