Loan Think

Calls for “reform” in times of high liquidity ignore the scalability of the system, and the need to have it around in times of trouble.

The pending budget reconciliation legislation should retain measures meant to support minority homebuyers writes the President of the National Association Of Real Estate Brokers.

It’s tempting to add yet another screen or an external piece of software, but that’s not always the quickest path to success, writes a director at InRule Technology.

Origination fees vs. origination charges can be one of the most confusing parts of a loan offer. Diving into the difference between the terms and why there is no uniformity in the industry can help borrowers understand the lending process better, writes the CEO of Confer.

Allowing VantageScore to compete in the mainstream mortgage market may help to close the racial homeownership and financial wealth gap by increasing homeownership opportunities for underserved populations, writes the president and CEO of HomeFree-USA.

Mortgage finance stakeholders must pay careful attention to “nuts-and-bolts” which, if ignored or misunderstood, can become landmines when implementing even the most well-intended new policies or practices writes a senior advisor at the Milken Institute Center for Financial Markets

Federal housing funds are targeted at building more apartments, not promoting homeownership, which is essential to building intergenerational wealth. There's an easy fix lawmakers have long ignored.

Moving towards bank-like capital standards for all independent mortgage banks that sell loans to Fannie Mae and Freddie Mac could limit consumer access to mortgage credit, writes Community Home Lenders Association executive director Scott Olson.

The big threat to the mortgage banking community comes from any future Fed sales of mortgage-backed securities.

Down payment assistance programs allow lenders to take concrete action to promote the Mortgage Bankers Association's "Home for All" initiative. Chrane details the issues to navigate in using them.