Loan Think

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.

Using a few simple best practices, lenders can ace their CRA exams, beat out competitors, avoid costly penalties, and uncover unexpected business growth opportunities, the CEO of iEmergent says.

With the landmark Supreme Court decision overturning Chevron USA v. National Resources Defense Council, much of the rule making by the Federal Reserve Board, the SEC, HUD and other agencies is now open to attack, writes the Chairman of Whalen Global Advisors.

Through the proposal, the risk function at Ginnie Mae is telling issuers to change their business model or exit the industry, writes the Chairman of Whalen Global Advisors.

As the mortgage industry continues to navigate the market, we must increase the due diligence of all candidates, writes

Despite a recent warning about an uptick in prepays, FHA seems to be leaning in the direction of adopting changes that will increase them, writes the chairman of Whalen Global Advisors.

Some of the points in last week's Financial Stability Oversight Council report on mortgage servicing overstate potential risk posed by IMBs, writes the Executive Director of the Community Home Lenders of America.