Although most securitization asset classes began to pick up in the years following the financial crisis, the private-label residential mortgage-backed securities market remains stagnant.
Read More »Private-Label RMBS Market Remains Unrecovered Since Crisis
The private-label residential mortgage-backed securities market has remained stagnant since the financial crisis, even though securitization in many asset classes has resumed.
Read More »FHA’s Proposed Servicing Reforms Limit Access to Credit
The Federal Housing Administration's proposed servicing reforms are limiting credit access to borrowers by altering the time frame for filing insurance claims.
Read More »Affordability Remains Unshaken By Home Price Increases
Despite home price increases over the last three years, homes are still affordable by historical standards, according to the Urban Institute's Monthly Chartbook: Housing Finance At A Glance.
Read More »Study Examines Housing Policy Impact on Inequality
Housing policy affects income inequality and single-family housing in a number of ways, according to a recent report from the Urban Institute.
Read More »Housing Market Recovery Questionable Due to Contradicting Data
The Urban Institute addressed the looming questions surrounding the housing market health in a report released Monday, determining that no single indicator can gauge market health and the market is nowhere near 2001 levels.
Read More »Research Shows Signs of Mortgage Credit Loosening
After years of post-crisis credit tightening, the availability of mortgage credit has slowly edged up from Q3 2013 to Q1 2015. The Urban Institute’s Housing Finance Policy Center reported that 4.6 percent of purchase loans that are likely to default increased to 5.7 percent, according to the Housing Credit Availability Index.
Read More »Senior Households Expected to Nearly Double by 2030
Senior households have been rising slowly over the decades, but this is about to change in the coming years. Urban Institute’s recent analysis of housing trends determined that senior households are expected to grow dramatically by 2030.
Read More »HFPC Panel Addresses Servicing Hot-Topics
Mortgage service regulations have not yet fully caught up with significant industry changes over the past five years, according to an Urban Wire blog post by the Urban Institute and author Karan Kaul.
Read More »Researchers Break Down Advantages and Challenges of Alternative Credit Scores
As the MReport reported last week, credit is still tight for most borrowers, according to an April Urban Institute report. The report studied loan trends between 2009 and 2013, and found that mortgage credit is tighter than it was at the peak of the housing bubble in 2005 and 2006, as well as pre-housing crisis in 2011.
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