Mark Zandi

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.

When I have a creative insight, there is a high. I think back in the day, I made music as much as I did because it made me feel so good. I think you could argue that there is a creative addiction - but, you know, the healthy kind.