Home >> Tag Archives: Credit Risk

Tag Archives: Credit Risk

Unlocking Homeownership Potential


Rick Sharga, EVP, Carrington Mortgage Holdings spoke to MReport on how Carrington is helping this set of borrowers achieve their dream of homeownership and the difference between non-prime loans and the subprime loans issued prior to the Great Recession.

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Risk Standards Hits Early-2000s Levels

Mortgage lenders are taking increased credit risks similar to those of the early 2000s, according to a new report released on Tuesday. The level of credit risk taken by lenders in Q1 of 2017 was about the same as the average risk taken between 2001 and 2003. According to the report, the shift toward riskier lending standards is a result of declining refinances, rising mortgage rates, and increased investor, condo, and co-op share of purchase loans.

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Fannie Mae Announces First CIRT Transactions of the Year

The two transactions will retain risk for the first 50 basis points of loss on an $18.1 billion loan pool and a $2.3 billion loan pool. The loan pools covered consist of 30-year fixed-rate loans with loan-to-value ratios greater than 60-percent and less than or equal to 80 percent, all acquired by Fannie Mae from January 2016 through July 2016.

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Expect Delays

Though many experts have said housing finance reform is unlikely this year, the time is now to explore the fundamentals of how that reform could happen. Uniform and transparent measures of credit risks will play a key role—whether it’s in 2016, 2017, or beyond. Editor's note: This select print feature appears in the March 2016 edition of MReport magazine, available now.

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