The Ricks Report October 23, 2017 Numbers of $ignificance • INCREASING EQUITY – The average loan-to-value ratio in the US housing market as of 6/30/08 was 55%, i.e., the average home mortgage had 45% of equity behind it. The average loan-to-value ratio in the US housing market as of 6/30/17 was 42%, i.e., the average…

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