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About this Channel

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.

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

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First Look REO Strategy Helps Home Prices Find a Floor Faster

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by Tim Rood on September 29 2010, 10:48 AM

The floor in housing prices can only be set by home buyers. With housing affordability at the best level it’s been at in 25 years – now seems like a great time to buy. Programs like Fannie Mae’s “First Look Program” appear successful at creating an “act...
Homebuilders Lose Funding Sources. Labor Market Suffers

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by Brian Montgomery on September 28 2010, 11:09 AM

The NAHB estimates that for every 1 million homes not built (1.7 million built in 2005; 700,000 in 2008) more than 3 million jobs are lost be they carpenters, plumbers, architects, brokers, or attorneys. That tallies up to $145 billion in lost wages...
Great Recession Declared Over. Where are the Jobs?

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by Brian O'Reilly on September 21 2010, 8:29 AM

Before taking too much comfort in this exciting news, I think I’d like to first meet the neighbors of the National Bureau of Economic Research. You see, on further review of yesterday’s declaration, I was reminded that in classical economic terms the...
Stigma Surrounds Homeownership. Emotional Currency Undervalued

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by Tim Rood on September 15 2010, 12:02 PM

The Obama administration has tried gallantly to combat the financial crisis. Using virtually every conceivable tool at its disposal to keep people in their homes and prevent an outright collapse in home values. Where the administration has fallen short...
Common Sense Not Found in Automated Underwriting Engines

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by Staff on September 14 2010, 11:53 AM

By returning to a common sense approach to underwriting, proper use of the collected data, implementing easy individual loan identification and discarding 100% reliance on purely objective underwriting tools we will be able to provide credit at every...
9/11 Remembrance – Almost 10 Years Later

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by Brian Montgomery on September 11 2010, 7:57 AM

Very few of us on this good earth were around on December 6, 1941. I suspect many of the people who were feel the same way many of us do about September 10, 2001 – forever changed. ...
New GSE Housing Goals: Is FHFA Putting the Cart Before the Horse?

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by Brian O'Reilly on September 08 2010, 10:29 AM

All of the recent reporting begs the question, as a matter of public policy, whether maintaining Fannie Mae and Freddie Mac as instruments of public policy with a role to promote housing among the housing goals’ target populations – still makes sense...
MERS: Myths, Misconceptions, and Realities

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by Joe Murin on July 22 2010, 2:35 PM

The housing crisis has revealed many things about our finance system. It lacked proper oversight, auditability, transparency, and incentives to do the right thing by borrowers and investors. My partners and I often refer to these calamitous times simply...
HECMs Stuck in Reverse. HUD Considers "Two Product" Solution

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by Brian Montgomery on July 20 2010, 11:27 AM

As home prices have continued their downward spiral, another reduction in reverse mortgage proceeds coupled with a spike in premiums seniors pay for FHA mortgage insurance is still the only option that will keep the HECM program solvent. But HUD has been...
It’s Time Congress Does Right by FHA and Ginnie Mae

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by Joe Murin on July 02 2010, 9:24 AM

It’s time that both these organizations are operated as independent entities separated from HUD....
Mitigating Housing Losses Using Short Sales Exacerbates Home Price Problem

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by Tim Rood on July 01 2010, 9:49 AM

The increasing adoption of short sales as a loss mitigation tool by investors is very likely to exacerbate the problem when you consider that short sales, unlike foreclosures (generally), are used as comparable properties for the purposes of property...
HAMP Had Good Intentions But Was Doomed to Disappoint

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by Joe Murin on June 24 2010, 3:30 PM

"We only have three months left with hundreds of thousands of families facing foreclosure, is it time to rethink whether or not a mortgage foreclosure prevention program that is based on a group of servicers whom you describe as having done a 'terrible...
Gimme Shelter: Homelessness Rate Climbing. Low Income Rental Units Needed

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by Staff on June 08 2010, 12:45 PM

Due to the greater economic woes and increasing unemployment numbers, more Americans are being forced to live within or below their means to save money. This is creating competition for rental units and in turn pushing those with even less resources from...
Leveraging MERS Technology To Increase Transparency In Mortgage Investing

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by Joe Murin on June 04 2010, 1:12 PM

Private capital will return to the residential housing finance market when trust, transparency, and auditablity are restored or established. The truth be told we have had this ability for quite a while with the industry utility, MERS. Instead our industry...
Special Servicers More Motivated to Mitigate Housing Losses

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by Tim Rood on May 21 2010, 1:39 PM

The sun is setting on MHA and HAMP, we either need to modify/amend servicing contracts to properly incentivize servicers to perform an effective level of loss mitigation or we need replace them with the abundant supply of specialty servicers who are clamoring...

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