Loan Think

Depending on who wins, it will be four years of progressive policy chaos or four years of indifference towards the housing market.

writes the Senior Economist for LendingTree

Using AI inferences to sensitive questions based on limited data within the mortgage industry could easily result in fair servicing violations if they, for example, prompted repeated outreach attempts to borrowers based on protected characteristics, writes the

Subsidies for first-time homebuyers, such as the one proposed by Democratic Presidential nominee Kamala Harris, will only stoke demand and exacerbate the crisis, writes the chairman of Whalen Global Advisors.

Two former staff members for the House Financial Services Committee at the time when the Housing and Economic Recovery Act legislation was developed and adopted reflect on its impact.

How challenges created by climate change and some regulations related to it can create new avenues for business according to Chief Credit Risk Officer of Planet Home Lending.

In a brave new world, Fannie and Freddie would be functionally like Pennymac and Mr. Cooper, but would have a credit line from the Treasury and FHFA regulation, writes the Chairman of Whalen Global Advisors writes.

Pandemic era changes to credit reporting have dangerously distorted credit scores for mortgage borrowers. The market is in worse shape than we realize, writes a former Federal Housing Finance Agency director.

Changes to the regulatory regime surrounding the Federal Home Loan banks should be carefully calibrated so as to do no damage to their successful support for housing and the provision of liquidity to members.

Institutional investors have an opportunity to "do well while doing good" while advancing a flagship public/private partnership model writes the Chief Growth Officer of Rocktop.