Asifa Zia -The Realtor YOU want

                  TransUnion's 2016 mortgage and credit card  forecasts  predict that the consumer lending market will have fully recovered by the end of next year from both the mortgage crisis and the ensuing Great Recession that concluded more than six years ago. TransUnion forecasts the national mortgage loan serious delinquency rate (the ratio of borrowers 60 or more days past due) will decline from 2.50 percent at the end of 2015 to 2.06 percent at the conclusion of 2016. Consumer level mortgage delinquency rates peaked in Q1 2010 at 6.94 percent and have been declining nearly every quarter since. Credit card serious delinquency rates (the ratio of bankcard borrowers 90 days or more delinquent on one or more of their credit cards) are expected to conclude 2016 at 1.46 percent. This would mark the fourth consecutive year of delinquency rates just below 1.5 percent, a nearly 50 percent decline in delinquency rates from the end of 2009. "Our forecast highlights th