https://johncomiskey.substack.com/archivedailyhttps://johncomiskey.substack.com/aboutweeklyhttps://johncomiskey.substack.com/p/august-26-fha-delinquency-report2026-09-10monthlyhttps://johncomiskey.substack.com/p/august-treasury-model-update2026-08-23monthlyhttps://johncomiskey.substack.com/p/july-26-fha-delinquency-report2026-08-12monthlyhttps://johncomiskey.substack.com/p/summer-qra-projection-and-treasury2026-07-29monthlyhttps://johncomiskey.substack.com/p/june-26-fha-delinquency-report2026-07-11monthlyhttps://johncomiskey.substack.com/p/may-26-fha-delinquency-report2026-06-09monthlyhttps://johncomiskey.substack.com/p/treasury-model-end-of-may-26-update2026-05-31monthlyhttps://johncomiskey.substack.com/p/spring-26-qra-wrapup-and-treasury2026-05-10monthlyhttps://johncomiskey.substack.com/p/april-26-fha-delinquency-report2026-05-09monthlyhttps://johncomiskey.substack.com/p/spring-qra-projection-and-treasury2026-05-03monthlyhttps://johncomiskey.substack.com/p/march-fha-delinquency-report2026-04-10monthlyhttps://johncomiskey.substack.com/p/treasury-model-early-april-update2026-04-05monthlyhttps://johncomiskey.substack.com/p/treasury-model-mid-march-update2026-03-22monthlyhttps://johncomiskey.substack.com/p/february-fha-delinquency-report2026-03-10monthlyhttps://johncomiskey.substack.com/p/late-feb-treasury-model-update2026-02-23monthlyhttps://johncomiskey.substack.com/p/january-fha-delinquency-report2026-02-10monthlyhttps://johncomiskey.substack.com/p/winter-qra-wrapup-and-treasury-model2026-02-08monthlyhttps://johncomiskey.substack.com/p/updated-treasury-model-and-final2026-02-01monthlyhttps://johncomiskey.substack.com/p/winter-qra-projection-and-treasury2026-01-20monthlyhttps://johncomiskey.substack.com/p/december-fha-delinquency-report2026-01-10monthlyhttps://johncomiskey.substack.com/p/treasury-model-2026-update-and-early2026-01-06monthlyhttps://johncomiskey.substack.com/p/november-fha-underwater-report-90002025-12-21monthlyhttps://johncomiskey.substack.com/p/november-fha-mbs-delinquency-report2025-12-09monthlyhttps://johncomiskey.substack.com/p/ttm-early-december-update2025-12-09monthlyhttps://johncomiskey.substack.com/p/two-thousand-more-fha-loans-slip2025-11-24monthlyhttps://johncomiskey.substack.com/p/ttm-mid-november-update2025-11-17monthlyhttps://johncomiskey.substack.com/p/october-fha-mbs-delinquency-report2025-11-11monthlyhttps://johncomiskey.substack.com/p/updated-qra-projection-end-of-qt2025-11-02monthlyhttps://johncomiskey.substack.com/p/eleven-thousand-more-fha-loans-slip2025-10-25monthlyhttps://johncomiskey.substack.com/p/zillow-september-home-value-index2025-10-17monthlyhttps://johncomiskey.substack.com/p/will-treasury-ever-hike-coupons-again2025-10-15monthlyhttps://johncomiskey.substack.com/p/fha-mortgage-performance-in-mbs-degrades2025-10-09monthlyhttps://johncomiskey.substack.com/p/where-home-price-discovery-happens2025-10-01monthlyhttps://johncomiskey.substack.com/p/total-treasury-model-late-september2025-09-28monthlyhttps://johncomiskey.substack.com/p/builders-are-behind-the-concentrations2025-09-22monthlyhttps://johncomiskey.substack.com/p/another-18k-fhas-slip-underwater2025-09-19monthlyhttps://johncomiskey.substack.com/p/the-sea-of-red-continues-for-florida2025-09-17monthlyhttps://johncomiskey.substack.com/p/what-happens-to-fha-forbearance-in2025-09-16monthlyhttps://johncomiskey.substack.com/p/total-treasury-model-early-september2025-09-11monthlyhttps://johncomiskey.substack.com/p/fha-delinquency-in-mbs-deteriorates2025-09-10monthlyhttps://johncomiskey.substack.com/p/rocket-and-mr-coopers-refinance-potential2025-09-08monthlyhttps://johncomiskey.substack.com/p/fha-delinquency-rates-broken-out2025-08-29monthlyhttps://johncomiskey.substack.com/p/underwater-fhas-grew-by-10-in-july2025-08-23monthlyhttps://johncomiskey.substack.com/p/treasury-model-mid-august-update2025-08-21monthlyhttps://johncomiskey.substack.com/p/july-va-mbs-update-and-the-vas-new2025-08-19monthlyhttps://johncomiskey.substack.com/p/where-did-home-values-fall-and-rise2025-08-18monthlyhttps://johncomiskey.substack.com/p/july-fha-mbs-performance-data2025-08-11monthlyhttps://johncomiskey.substack.com/p/how-the-homebuyers-privacy-protection2025-08-06monthlyhttps://johncomiskey.substack.com/p/summer-qra-wrap-up2025-07-31monthlyhttps://johncomiskey.substack.com/p/treasury-to-borrow-1-trillion-in2025-07-23monthlyhttps://johncomiskey.substack.com/p/underwater-fha-loans-up-30-in-june2025-07-21monthlyhttps://johncomiskey.substack.com/p/post-obbb-whats-next-for-the-save2025-07-16monthlyhttps://johncomiskey.substack.com/p/june-va-delinquency-and-vasp-update2025-07-11monthlyhttps://johncomiskey.substack.com/p/june-fha-mbs-report2025-07-10monthlyhttps://johncomiskey.substack.com/p/post-debt-ceiling-total-treasury2025-07-09monthlyhttps://johncomiskey.substack.com/p/where-are-the-investment-mortgages2025-07-08monthlyhttps://johncomiskey.substack.com/p/where-are-the-fhas-where-the-loan2025-07-05monthlyhttps://johncomiskey.substack.com/p/how-freddie-mac-and-fannie-mae-loans2025-07-01monthlyhttps://johncomiskey.substack.com/p/granular-maps-of-2024-vintage-fha2025-06-30monthlyhttps://johncomiskey.substack.com/p/granular-maps-of-where-the-fha-loans2025-06-26monthlyhttps://johncomiskey.substack.com/p/is-there-a-surprise-brewing-with2025-06-16monthlyhttps://johncomiskey.substack.com/p/may-fha-mbs-data-report2025-06-11monthlyhttps://johncomiskey.substack.com/p/the-full-intersection-between-student2025-06-12monthlyhttps://johncomiskey.substack.com/p/total-treasury-model-late-may-update2025-05-27monthlyhttps://johncomiskey.substack.com/p/revised-impact-of-student-loan-repayment2025-05-22monthlyhttps://johncomiskey.substack.com/p/the-looming-impact-of-student-loan2025-05-20monthlyhttps://johncomiskey.substack.com/p/april-fha-mbs-data-and-another-wrinkle2025-05-10monthlyhttps://johncomiskey.substack.com/p/early-may-total-treasury-model-update2025-05-07monthlyhttps://johncomiskey.substack.com/p/2025-spring-qra-projection-and-mid2025-04-23monthlyhttps://johncomiskey.substack.com/p/tax-day-has-come-and-gone-did-the2025-04-18monthlyhttps://johncomiskey.substack.com/p/fha-mbs-portfolio-report-mar-252025-04-10monthlyhttps://johncomiskey.substack.com/p/will-the-reckoning-for-va-mortgages2025-04-02monthlyhttps://johncomiskey.substack.com/p/the-notion-that-irs-cuts-will-result2025-03-24monthlyhttps://johncomiskey.substack.com/p/total-treasury-model-mid-march-update2025-03-23monthlyhttps://johncomiskey.substack.com/p/whats-really-happening-inside-the2025-03-17monthlyhttps://johncomiskey.substack.com/p/total-treasury-model-early-march2025-03-06monthlyhttps://johncomiskey.substack.com/p/the-dark-ugly-corner-of-the-fha-mortgages2025-03-02monthlyhttps://johncomiskey.substack.com/p/january-mbs-data-update2025-02-12monthlyhttps://johncomiskey.substack.com/p/updated-treasury-model-output-for2025-02-12monthlyhttps://johncomiskey.substack.com/p/x-date-projection-update2025-02-11monthlyhttps://johncomiskey.substack.com/p/winter-25-qra-wrapup-whats-next-for2025-02-06monthlyhttps://johncomiskey.substack.com/p/reverse-engineering-the-debt-ceiling2025-02-02monthlyhttps://johncomiskey.substack.com/p/final-tweak-to-qra-projection2025-01-31monthlyhttps://johncomiskey.substack.com/p/material-change-to-my-qra-projection2025-01-27monthlyhttps://johncomiskey.substack.com/p/the-first-two-days-at-the-debt-ceiling2025-01-24monthlyhttps://johncomiskey.substack.com/p/mid-january-ttmqra-update2025-01-22monthlyhttps://johncomiskey.substack.com/p/why-we-hit-the-debt-ceiling-on-jan2025-01-19monthlyhttps://johncomiskey.substack.com/p/what-did-the-mortgages-in-the-palisades2025-01-14monthlyhttps://johncomiskey.substack.com/p/december-mbs-mortgage-delinquencies2025-01-13monthlyhttps://johncomiskey.substack.com/p/december-mbs-data-shows-continued2025-01-10monthlyhttps://johncomiskey.substack.com/p/april-tax-receipts-are-set-to-surprise2025-02-09monthlyhttps://johncomiskey.substack.com/p/linking-23-million-active-mortgage2024-12-30monthlyhttps://johncomiskey.substack.com/p/ttm-mid-december-update2024-12-19monthlyhttps://johncomiskey.substack.com/p/update-to-dec-treasurytga-update2024-12-09monthlyhttps://johncomiskey.substack.com/p/december-tgatreasury-update2024-12-06monthlyhttps://johncomiskey.substack.com/p/tga-daily-level-projections-november2024-11-13monthlyhttps://johncomiskey.substack.com/p/fall-qra-retrospective-and-prospects2024-11-03monthlyhttps://johncomiskey.substack.com/p/linking-the-qra-sources-and-uses2026-02-02monthlyhttps://johncomiskey.substack.com/p/what-if-treasury-doesnt-assume-debt2024-10-28monthlyhttps://johncomiskey.substack.com/p/slight-tweak-to-fall-qra-projection2024-10-28monthlyhttps://johncomiskey.substack.com/p/projecting-the-fall-qra2024-10-24monthlyhttps://johncomiskey.substack.com/p/projecting-the-summer-qra-borrowing2024-07-28monthlyhttps://johncomiskey.substack.com/p/qra-borrowing-estimates-retrospective2024-05-01monthlyhttps://johncomiskey.substack.com/p/projecting-the-spring-qra2024-04-29monthlyhttps://johncomiskey.substack.com/p/march-24-qt2024-03-09monthlyhttps://johncomiskey.substack.com/p/reverse-engineering-the-rrp2024-02-28monthlyhttps://johncomiskey.substack.com/p/why-qt-will-taper-even-if-the-fed2024-02-09monthlyhttps://johncomiskey.substack.com/p/updated-qra-and-coupon-issuance-thoughts2024-01-30monthlyhttps://johncomiskey.substack.com/p/projecting-the-qra-and-daily-tga2024-01-21monthlyhttps://johncomiskey.substack.com/p/january-24-qt2024-01-09monthlyhttps://johncomiskey.substack.com/p/december-23-qt2023-12-08monthlyhttps://johncomiskey.substack.com/p/analyzing-the-catastrophic-119-30yr2023-12-03monthlyhttps://johncomiskey.substack.com/p/november-23-qt2023-11-08monthlyhttps://johncomiskey.substack.com/p/revised-qra-playbook2023-10-30monthlyhttps://johncomiskey.substack.com/p/playbook-for-qra-week2023-10-30monthlyhttps://johncomiskey.substack.com/p/projecting-the-quarterly-refunding2023-10-24monthlyhttps://johncomiskey.substack.com/p/october-23-qt2023-10-11monthlyhttps://johncomiskey.substack.com/p/sept-23-qt2023-09-10monthlyhttps://johncomiskey.substack.com/p/treasury-issuance-is-what-really2023-08-28monthlyhttps://johncomiskey.substack.com/p/august-2023-qt2023-08-08monthlyhttps://johncomiskey.substack.com/p/july-qt2023-07-10monthlyhttps://johncomiskey.substack.com/p/june-qt2023-06-07monthlyhttps://johncomiskey.substack.com/p/update-if-debt-ceiling-deal-collapses2023-05-29monthlyhttps://johncomiskey.substack.com/p/if-debt-ceiling-deal-falls-through2023-05-26monthlyhttps://johncomiskey.substack.com/p/extraordinary-measures2023-05-25monthlyhttps://johncomiskey.substack.com/p/updated-x-date-analysis2023-05-22monthlyhttps://johncomiskey.substack.com/p/projecting-the-x-date-and-the-tga2025-01-29monthlyhttps://johncomiskey.substack.com/p/may-qt2023-05-06monthlyhttps://johncomiskey.substack.com/p/april-qt2023-04-08monthlyhttps://johncomiskey.substack.com/p/march-qt2023-03-08monthlyhttps://johncomiskey.substack.com/p/the-true-cause-behind-net-liquidity2023-02-22monthlyhttps://johncomiskey.substack.com/p/february-qt2023-02-08monthlyhttps://johncomiskey.substack.com/p/projecting-the-debt-ceilings-impact2023-02-04monthlyhttps://johncomiskey.substack.com/p/january-qt2023-02-15monthlyhttps://johncomiskey.substack.com/p/december-qt2023-02-15monthlyhttps://johncomiskey.substack.com/p/november-qt2023-02-14monthlyhttps://johncomiskey.substack.com/p/detailed-october-qt2023-02-13monthlyhttps://johncomiskey.substack.com/p/detailed-september-qt2023-02-13monthlyhttps://johncomiskey.substack.com/p/projecting-qt-balance-sheet-impact2023-02-12monthlyhttps://johncomiskey.substack.com/p/how-to-calculate-mbs-principal-payments2023-02-12monthlyhttps://johncomiskey.substack.com/p/reverse-engineering-qt2023-02-12monthlyhttps://johncomiskey.substack.com/p/coming-soon2023-02-12monthly