Mark Zandi Quotes
The average credit score of today's FHA borrowers is higher than the average American household with a score. As it becomes more costly and difficult to get a FHA loan, loans from private mortgage lenders will become more attractive and their market share will grow.

Quotes to Explore
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I worked at the American Conservatory Theater in San Francisco, lived there for three years, and lived in Baltimore for 12 years.
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College is part of the American dream. It shouldn't be part of a financial nightmare for families.
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If I hadn't spent many years trying to be as compassionate as Mother Teresa, as positive a thinker as W. Clement Stone, as prolific a writer as Stephen King, and as good a speaker as many of the legends I have studied, I would not be as successful as I am today.
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Western countries in particular can today no longer be separated from Muslim societies, because they have them within themselves. They are themselves internally globalized.
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Much of the conventional wisdom associated with Vietnam was highly inaccurate. Far from an inevitable result of the imperative to contain communism, the war was only made possible through lies and deceptions aimed at the American public, Congress, and members of Lyndon Johnson's own administration.
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Let us sacrifice our today so that our children can have a better tomorrow.
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There was no United States before slavery. I am sure somebody can make some sort of argument about modern French identity and slavery and North Africa, but there simply is no American history before black people.
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We know that the nation that goes all-in on innovation today will own the global economy tomorrow. This is an edge America cannot surrender.
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Think of Bitcoin as a bank account in the cloud, and it's completely decentralized: not the Swiss government, not the American government. It's all the participants in the network enforcing.
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We are Americans. We - we - we are - we are doctors. We are investment bankers. We are taxi drivers. We are store keepers. We are lawyers. We are - we are part of the fabric of America. And the way that America today treats its Muslims is being watched by over a billion Muslims worldwide.
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If you fell down yesterday, stand up today.
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And a tiny number of people in a few states make these decisions, and we're left with these options that are increasingly not attractive to the American people.
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I'm having as much fun today as I did when I made $55 a week, because it is as much fun.
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My biggest fear in life is to be average.
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The American system of democracy is founded on the concept that every citizen has the right to vote, to know that their vote is counted, and that the vote is counted accurately.
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We're taking on Social Security as a property rights issue. We figure that every single American has an absolute property right interest in the fruits of his or her own labor. What I work for should be my property.
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The NSA is forbidden to 'target' American citizens, green-card holders or companies for surveillance without an individual warrant from a judge.
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Afrikaans is my first language, although you would never know, as my English accent has more of an American-British thing going on from all my years of travelling.
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Everyone is in need of encouragement at some time. Take the opportunity today to encourage (give courage to) the one who often encourages you.
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It never occurred to me that we would have as grandiose a program as the Marshall Plan, but I felt that we had to do something to save Europe from economic disaster which would encourage the Communist takeover.
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An awful lot of people have childhood memories of holidays in Cornwall, and the holidays are old-fashioned and hugely successful. You stick a child and a dog on one of the beaches, and they just light up; they just love it.
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It’s very important to be able to accept things, you know. Gracious acceptance is an art – an art which most of never bother to cultivate. We think that we have to learn how to give, but we forget about accepting things, which can be much harder than giving.
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The average credit score of today's FHA borrowers is higher than the average American household with a score. As it becomes more costly and difficult to get a FHA loan, loans from private mortgage lenders will become more attractive and their market share will grow.