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The GSEs Under Siege

It has never been more en vogue to be a critic of the GSEs. From politicians to private citizens to watchdogs within the federal government, if you want to score political points or push an agenda, calling for an end to Fannie Mae and Freddie Mac or just castigating the conservatorship itself as somehow unfair is a popular way to get there.

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Riding the Verification Waves in a QM and Non-QM Sea

The subprime meltdown was like a waterspout on the ocean—breaking masts and sending ships crashing onto the rocks. When the winds finally settled, changes were instituted to protect consumers who ventured into mortgage waters and also to protect communities from housing bubbles that burst and could lead to waves of foreclosures.

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Rethinking Declined and ‘Almost There’ Mortgage Applicants

what happens when your new mortgage applicant gets declined for the loan they want? Is that money spent getting them to contact you wasted? Do you send them packing? Contributors Jim Ryan and Greg Holmes explore other possibilities for turning "almost there" applicants into happy homeowners.

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Staying in Business with New Regulations

Mortgage New regulations

With all the new rules that have come down—and still have yet to come—many lenders have found themselves lost in uncharted territory. In a special piece for MReport, Indecomm's Judy Wheatley breaks the rules down piece to piece in a comprehensive exploration of the new mortgage world.

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We’ve Come a Long Way Baby

It might be old hat to say that women have come a long way in the workforce in the past half-century, but it's true. For its special August issue, MReport explored the ascent of women in the workplace, putting a spotlight on just a few of those who have made their way up the ladder.

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The Dichotomy of Prudent Lending and Credit Availability

In the post-crisis era, lenders face the challenge of striking a delicate balance between judicious lending practices and access to financing for creditworthy consumers. The deluge of mortgage defaults and foreclosures that has plagued the industry over the past half decade was set into motion by a subprime mortgage crisis characterized by lax lending standards, easy credit, and higher-risk mortgage products.

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Is Automated Appraisal Analysis the Right Next Step?

Appraisal Automation

In the midst of trying to maintain workflow with a smaller staff, there remains an increasing focus on effective appraisal analysis. Regulatory requirements, investor demands, corporate management, and now disclosure to the borrower have elevated the collateral analysis to the same level of scrutiny as financial analysis. Fortunately, great progress has been made in automated tools and services for appraisal analysis.

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Generation Wait it Out

As of the end of the fourth quarter of 2013, the homeownership rate among those under 25 was 36.8 percent, according to the Census Bureau—only a little more than half the national rate of 65.2 percent. Compare that to as recently as 2008, when the rate among young adults was at or above 41 percent. Generation Y remains, as ever, a difficult group to nail down.

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