HaMMR June 2009

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ISSUE 5 VOLUME 2 June 2009 Inside this Issue The Outlook Special Topic: An Update on Mortgage Loan Modification Programs Housing Market Indicators Mortgage Market Indicators Regional Roundup Region in Focus: The West The PMI Forecast Contributors David W. Berson. Ph.D., Chief Economist and Strategist LaVaughn M. Henry, Ph.D., Sr. Director, Market Economics and Risk Analysis<br<a title="HaMMR June 2009 page 1" href="http://viewer.zmags.com/publication/b1b398fc?page=1">ISSUE 5 VOLUME 2 June 2009Inside thi</a> ISSUE 5 VOLUME 2 June 2009Inside thi<a title="HaMMR June 2009 page 2" href="http://viewer.zmags.com/publication/b1b398fc?page=2">The Outlook (continued from cover page)</a> The Outlook (continued from cover page)<a title="HaMMR June 2009 page 3" href="http://viewer.zmags.com/publication/b1b398fc?page=3">The Outlook (continued from page 2)Sales should</a> The Outlook (continued from page 2)Sales should<a title="HaMMR June 2009 page 4" href="http://viewer.zmags.com/publication/b1b398fc?page=4">Housing Market Indicators HOME SALES(THOU</a> Housing Market Indicators HOME SALES(THOU<a title="HaMMR June 2009 page 5" href="http://viewer.zmags.com/publication/b1b398fc?page=5">Mortgage Market IndicatorsMORTGAGE RATES </a> Mortgage Market IndicatorsMORTGAGE RATES <a title="HaMMR June 2009 page 6" href="http://viewer.zmags.com/publication/b1b398fc?page=6">Regional Roundup12-MONTH CHANGE IN PAYROLL EMPL</a> Regional Roundup12-MONTH CHANGE IN PAYROLL EMPL<a title="HaMMR June 2009 page 7" href="http://viewer.zmags.com/publication/b1b398fc?page=7">Regional RoundupPERCE </a> Regional RoundupPERCE <a title="HaMMR June 2009 page 8" href="http://viewer.zmags.com/publication/b1b398fc?page=8">Region in Focus: The WestREGION IN</a> Region in Focus: The WestREGION IN<a title="HaMMR June 2009 page 9" href="http://viewer.zmags.com/publication/b1b398fc?page=9">Region in Focus: The WestAccording to Moody's</a> Region in Focus: The WestAccording to Moody's<a title="HaMMR June 2009 page 10" href="http://viewer.zmags.com/publication/b1b398fc?page=10">Region in Focus: The WestMontana (continued from</a> Region in Focus: The WestMontana (continued from<a title="HaMMR June 2009 page 11" href="http://viewer.zmags.com/publication/b1b398fc?page=11">Region in Focus: The West –Selected Housing / Ec</a> Region in Focus: The West –Selected Housing / Ec<a title="HaMMR June 2009 page 12" href="http://viewer.zmags.com/publication/b1b398fc?page=12">Special Topic (Continued from cover page)To a</a> Special Topic (Continued from cover page)To a<a title="HaMMR June 2009 page 13" href="http://viewer.zmags.com/publication/b1b398fc?page=13">Special Topic (Continued from page 12)Mortgage</a> Special Topic (Continued from page 12)Mortgage<a title="HaMMR June 2009 page 14" href="http://viewer.zmags.com/publication/b1b398fc?page=14">Cautionary Statement:Page 14Statements in thi</a> Cautionary Statement:Page 14Statements in thi