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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...

What do Changes in GDP Mean for the Housing Market Recovery?

Financing Trends for Government Contractors

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Senator Demands Change on Short Sale Credit Score Effects; Rates Snap Back To Recent Highs; Market Volatility Ahead of the Fed

Published: 5/17/2013

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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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ORIGINATOR COMPENSATION: STILL IN THE FIGHT

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by Brian Montgomery on April 01 2011, 3:49 PM

Most Americans are unfamiliar with the Administrative Procedures Act (APA), yet it reaches each of us through an assortment of rules that eventually lead to what some might consider red tape. Some believe the APA is heavy-handed and will tell you the...
Strategic Default: Inconceivable Assumptions Suddenly Conceivable

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by Tim Rood on May 12 2011, 12:09 PM

Until recently it was generally believed that only a small fraction of Americans would willingly choose to skip their monthly mortgage payment, aka "strategically default", when they found themselves stuck in a negative equity situation. The logic driving...
It’s Time to Refinance America and Time For Washington to Get Out of The Way

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by Brian O'Reilly on September 26 2011, 11:12 AM

Follow up: Refinance America: A New and Improved Plan In a recently published study by the Federal Reserve they confirm what millions of American homeowners know first hand and what most professionals in the housing finance industry have known for over...
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...
Refinance America: In Defense of American Capitalism

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by Brian O'Reilly on October 17 2011, 12:08 PM

In Saturday’s New York Times, Martin S. Feldstein, in an Op Ed entitled “ How to Stop the Drop in Home Values ”, argues that continuing declines in home prices are at the heart of America’s housing crisis and can only be stopped...
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...
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...
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...
Fannie Mae Loan Buyback Requests Up More Than 60% Year Over Year

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by Tim Rood on May 11 2010, 12:45 PM

While many expected the disturbingly high number of GSE directed repurchase demands to mortgage lenders on nonperforming loans to crescendo in 2009 – 2010 is looking to be an even more onerous year for mortgage lenders that sold loans to the GSEs. Nonbank...
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...
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. ...
Refinance America: A New and Improved Plan

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by Brian O'Reilly on October 06 2011, 3:42 PM

Written By: Brideen Gallagher Vice President, The Collingwood Group Brian O’Reilly raised some very intriguing propositions on dealing with the ever growing issue of borrower income/wealth trapped in deflated, under-water home values. While these...
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...
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...
Mr. President, it's Time for a National Housing Policy

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by Brian O'Reilly on January 24 2012, 10:43 AM

Please Mr. President, enough with the one-off responses, it's time for a National Housing Policy. The only thing more predictable than the fact that the President will deliver to Congress a State of the Union Address each year is the speculation that...

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