Stated income loans were huge contributors to the housing crisis, but they are making a very quiet reappearance in the housing market. Should the industry be concerned?
Read More »The New 21st Century Housing Financial System
America's housing finance system is in what some call a "dysfunctional limbo." Not only is it underperforming, but it is also outdated and in desperate need of a complete revamping among its mission, activities, products, and services.
Read More »Refinances Hit a Roadblock
Low mortgage rates do not appear to be enough of an incentive to attract homeowners to refinance their homes.
Read More »Mortgage Credit Access Reverses Course
Credit availability in the mortgage industry increased slightly in the fourth quarter, reversing a long-time downward trend over the last four quarters.
Read More »Are Private Investors Saying Goodbye to the Market?
As housing is inches closer to fair value due to rising home prices and distressed properties for sale continue to decline, private investors are finding it harder to find ...
Read More »The TRID Effect on Lender Securitizations
The implementation of the CFPB's TILA-RESPA Integrated Disclosure rule brought a number of both changes and headaches for originators, but what will be the impact on loan securitizations?
Read More »The Emergence of the Online Personal Mortgage
Marketplace lenders, who mostly conduct their business through unsecured personal loans, are beginning to step further into the online space to offer mortgage loans to borrowers.
Read More »Obama, Yellen Discuss U.S. Economy
President Barack Obama and Federal Reserve Chair Yellen met in the Oval Office to discuss the state of the U.S. economy in the midst of slowed growth due to lower consumer spending.
Read More »Gen Xers Shaken From Housing Bust Effects
There is an interruption occurring in the housing market. Homeowership numbers among Generation X have quickly went from first to last due to lingering effects from the housing bust.
Read More »Goldman Sachs Pays Big to Settle Fraud Claims
Goldman Sachs finalized a settlement announced earlier this year, stating that it has agreed to settle federal and state investigations probes concerning the sale of toxic residential mortgage-backed securities in the time leading up to the financial crisis.
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