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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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Ironic Twist: Wells Fargo Cuts Borrower Payments. Bets on Housing Recovery

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by Joe Murin on November 09 2009, 1:56 PM

Wells Fargo this week announced it will let some at-risk borrowers pay interest only on their mortgage loans in order to stay current and remain in their homes. ...
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...
BEWARE: GSEs Strictly Enforcing Lender Loan Repurchase Agreements

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by Tim Rood on November 10 2009, 2:40 PM

As reported in their quarterly filings, Fannie Mae and Freddie Mac are seeing an increase in the number of lenders not honoring agreements to repurchase loans that breached representations about the eligibility and quality of loans they sold. While this...
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. ...
Good Riddance 30-Year Fixed Mortgage? Not So Fast...

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by Staff on February 11 2011, 10:46 AM

Peter J. Wallison's recent article in the Wall Street Journal on government support in the residential housing market, " What's So Special About the 30-Year Mortgage ? ", is an interesting academic exercise but it has no relevance to the reality of the...
Housing Assistance 2012: Another Herculean Task for the FHA

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by Brian Montgomery on February 01 2012, 4:00 PM

Beginning the 37th month of his presidency, the Obama Administration today announced a laundry list of new programs to help struggling homeowners, crack down on abusive lending practices, make mortgage documents easier to read, convert REO to rental,...
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...
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...
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...
The New RESPA Rule – The ESSENTIALS

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by Gary Cunningham on October 06 2009, 3:00 PM

If you’re a home mortgage loan originator, mortgage broker, realtor, title agent or other provider of services related to the processing or closing of a residential mortgage loan, you know that January 1, 2010 is D-Day for the use of the new Good Faith...
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...
GSE Reform: The Future is Ours to Shape

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by Staff on December 21 2010, 10:14 AM

The GSE's infrastructures are strong. Their leadership is struggling to do the right thing but the unclear future brought on by a lack of public policy from the White House is clouding their ability to deal with the reality and the magnitude of the...
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...
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....
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...

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