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kimmaicutler's profile
Kim-Mai Cutler
Kim-Mai Cutler
Kim-Mai Cutler
Verified account
@kimmaicutler

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Kim-Mai CutlerVerified account

@kimmaicutler

Partner at @initialized. Previously @techcrunch. When life hands me lemons, I make tarte au citron.

San Francisco
medium.com/initialized-ca…
Joined April 2008

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    1. Sam‏ @TheSamKhater 18 Aug 2016
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      Replying to @NickTimiraos @asaxena @kimmaicutler

      This not known even by housing economists many of whom think purchase origination leverage is not high.

      1 reply 0 retweets 0 likes
    2. Issi Romem‏ @issiromem 18 Aug 2016
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      Replying to @TheSamKhater @NickTimiraos and

      R u aware of Ellie Mae's reports? p.8 - avg FICO hi & not falling http://www.elliemae.com/origination-insight-reports/Ellie_Mae_OIR_JULY2016.pdf …

      1 reply 0 retweets 0 likes
    3. Sam‏ @TheSamKhater 18 Aug 2016
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      Replying to @issiromem @NickTimiraos and

      Yep I have the same data, just a lot more coverage, shows same story. My point on leverage.

      1 reply 0 retweets 0 likes
    4. Issi Romem‏ @issiromem 18 Aug 2016
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      Replying to @TheSamKhater @NickTimiraos and

      But is hi LTV equally risky in diff hands? Today’s borrower pool more select than ’06

      3 replies 0 retweets 0 likes
    5. Sam‏ @TheSamKhater 18 Aug 2016
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      Replying to @issiromem @NickTimiraos and

      While underwriting sound, leverage for entry and mid-level borrower very high.

      3 replies 0 retweets 1 like
    6. Nick Timiraos‏Verified account @NickTimiraos 18 Aug 2016
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      Replying to @TheSamKhater @issiromem and

      I agree it is high. I just don't think it's higher than the bubble.

      1 reply 0 retweets 0 likes
    7. Sam‏ @TheSamKhater 18 Aug 2016
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      Replying to @NickTimiraos

      Not even close, leverage higher for $100k to $300k buyer than 05. @kimmaicutler @Shnaps @issiromempic.twitter.com/Dx1mLeDDpT

      2 replies 0 retweets 3 likes
    8. Sam‏ @TheSamKhater 18 Aug 2016
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      Replying to @TheSamKhater @NickTimiraos and

      This CLTV includes all piggy back seconds, in public record data it's easy to identify.

      1 reply 0 retweets 0 likes
    9. Big bags of Shnaps‏ @Shnaps 18 Aug 2016
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      Replying to @TheSamKhater @NickTimiraos and

      this doesn't seem right at all. Source?

      4 replies 0 retweets 0 likes
    10. Nick Timiraos‏Verified account @NickTimiraos 18 Aug 2016
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      Replying to @Shnaps @TheSamKhater and

      do measures of leverage factor in high share of all cash? Low share of 90%+ cash out refi?

      3 replies 0 retweets 1 like
      Kim-Mai Cutler‏Verified account @kimmaicutler 18 Aug 2016
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      Replying to @NickTimiraos @Shnaps and

      where's the best source of data on current cash out refi levels by geo?

      6:26 PM - 18 Aug 2016
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      • Zona
      1 reply 1 retweet 1 like
        1. Sam‏ @TheSamKhater 18 Aug 2016
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          Replying to @kimmaicutler @NickTimiraos and

          Freddie has a national report for their loans only. If you want custom stuff let me know.

          0 replies 0 retweets 1 like
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