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Sequester or Not Housing Recovery to Bode Well for Employment

A Housing Riddle: Why did the Homeowner Stop Making their Mortgage...

Underwriting Standards Likely to Tighten and Negatively Impact...

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The Collingwood Group has partnered with Mortgage News Daily to bring you the VOICE OF HOUSING. Contributors include former Ginnie Mae CEO Joe Murin and former FHA Commissioner Brian Montgomery.

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The Collingwood Group, LLC. | http://www.collingwoodllc.com

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Is Elimination of the Mortgage Interest Tax Deduction Inevitable?

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by Brian O'Reilly on November 30 2010, 10:31 AM

If challenged to summarize the effects of the great recession on the U.S. housing system in a single word, that word would be “change”. Change because much of what we have come to understand about housing in America in the post-WWII Era has been undone...
Excess Housing Inventory Expected to Pressure Home Prices Lower in Winter Months

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by Tim Rood on November 24 2010, 9:02 AM

As anyone in this industry knows, concerns over existing inventory stockpiles are only half the problem - literally - shadow inventory could very well be a heavier shoe that has yet to drop....
Capital Connection: The Shifting Model of Mortgage Banking

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by Staff on November 16 2010, 11:27 AM

The most prominent challenges mortgage bankers must focus on are their ability to maintain market share, minimize our capital constraints and insure each of our employee sectors are properly incented to produce, process, close, and deliver the highest...
Foreclosure Mess Will Trickle Down to Borrowers. "Quality Tax" Looms

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by Tim Rood on November 10 2010, 4:40 PM

The WSJ quoted me as claiming what amounts to a “quality tax” as a result of the mortgage debacle both from the origination side and the default sides of the house....
Targeted Housing Investments: Responding to NAR's Call for Looser Mortgage Credit

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by Tim Rood on November 09 2010, 2:08 PM

I believe that credit policy and targeted investments and subsidies would have far more impact in supporting the housing market than cheaper credit which is only available to a narrow band of borrowers. ...
Call for Bipartisanship: Congress Must Focus on the Future of Housing

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by Brian Montgomery on November 05 2010, 10:37 AM

Before the first 2012 presidential candidates begin to announce themselves in only a few short months, I would hope the new Congress gets to the serious business of governance and tackles these and many other problems facing us. ...
Largest Lenders Control Mortgage Industry. Time to Engage Community Bankers

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by Joe Murin on November 04 2010, 8:21 AM

If the market ever expects housing to contribute 25% to 30% of GDP again, it will require congress to completely overhaul the housing finance system, deleverage those institutions that have enjoyed the “too big to fail” status and let the private markets...
Restoring Integrity to the Mortgage Industry: A New Paradigm in Originator Compensation

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by Staff on October 25 2010, 2:31 PM

Domestic and international investors alike have been quite clear on what they feel is the single most important aspect of housing finance reform; the RMBS securitization process must provide enough transparency to allow for effective pricing and management...
Denationalizing Housing in America. Calling on the Private Sector

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by Tim Rood on October 21 2010, 1:54 PM

How is it that financial institutions are flooded with capital, and, paradoxically, the federal government is drowning in debt? Even more confounding is that financial institutions and private sector investors are in dire need of interest earning assets...
Addressing Underwater Mortgages by Rewarding Conscientious Homeowners

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by Brian O'Reilly on October 19 2010, 12:04 PM

After a week that saw mortgage rates fall to new historic lows, large numbers of American homeowners remain unable to refinance their higher rate mortgages and take advantage of low rates due to a collapse in home values that has left upwards of 23% of...
Pending Risk Retention Guidelines Create More Confusion in Mortgage Industry

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by Staff on October 18 2010, 9:41 AM

The Dodd- Frank Bill has laid out a pathway for future operations in the financial services arena. However, the road has not yet been paved. The job of laying the pavement has been left to individual industry regulators who have 270 days from the date...
Stopping the Blame Game and Seeking Solutions: Untether Ginnie Mae and the FHA

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by Brian O'Reilly on October 13 2010, 12:43 PM

Opening today’s paper to more reports about the apparent processing problems involving foreclosures, I was struck by the near total absence of any discussion concerning ways to constructively address this dilemma. Instead of framing the discussions in...
Fixing Core Failings of the Mortgage Industry: Data Quality, Transparency, Auditability

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by Tim Rood on October 12 2010, 10:11 AM

We all recognize that a lack of data quality, transparency, and auditability are core failings of the mortgage industry. Data driven rules and workflow go a long way toward solving to issues related to poor loan quality. ...
Foreclosure Moratorium Slows the Home Price Recovery Process

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by Joe Murin on October 08 2010, 1:47 PM

Bank of America just became the first bank to suspend foreclosure sales across all 50 states. This follows news that JP Morgan Chase and GMAC would self impose eviction moratoriums in 23 states. The next step is a nationwide freeze on foreclosure sales...
Mortgage Industry Rules and Regs Being Rewritten. Who Will Survive?

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by Staff on October 06 2010, 11:51 AM

I remember clearly, 40 years ago, sitting in the auditorium on the University of North Carolina Law School, listening to the dean tell all the eager young “lawyers to be” to look to either side and remember the face because by year end there was a good...

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