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Author Archives: Aly J. Yale

Aly J. Yale is a longtime writer and editor from Texas. Her resume boasts positions with The Dallas Morning News, NBC, PBS, and various other regional and national publications. She has also worked with both the Five Star Institute and REO Red Book, as well as various other mortgage industry clients on content strategy, blogging, marketing, and more.

Reexamining Flaws

A House committee has passed legislation that could impact HUD—and rural communities—in a big way. Read on to learn more.

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Do We Finally Have Clarity on TRID?

The industry has long called for clarification of the Consumer Financial Protection Bureau’s TILA-RESPA Integrated Disclosure rule—or TRID. Today, with the release of its “finalized updates,” the CFPB may have finally provided it. But what do the updates mean for the industry? And is this really the end of the You Before You Owe confusion? The answer probably won’t surprise you.

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Are Non-QM Loans the New Subprime?

Many have feared the recent growing popularity in nonqualified mortgage loans could indicate another crisis is on the horizon, but are these worries warranted? New research released Thursday looks at the link between non-QM and subprime loans. Are they similar enough to spell another crash? Thursday’’s report has some interesting findings.

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GSE Status Quo No Longer an Option

Keeping Fannie Mae and Freddie Mac as-is? That’s no longer an option according to remarks heard by the Senate Committee on Banking, Housing, and Urban Affairs today. But what’s necessary to push through reform? And what would the agencies look like on the other side? Today’s hearing offered much-needed insight.

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