Loan Think

Will the runoff of MSRs leave a hole in the capital of the mortgage finance industry?

Real value comes from the wholesaler using a hands-on approach to ensure that a mortgage broker's customers are treated to the best experience for the life of the loan.

There are clear actions that regulators at the CFPB, SEC and FHFA can take to help attract investors into the housing market, argues former FHFA Director Ed DeMarco.

The agency’s new guidance would limit some nonprofits’ ability to help borrowers pay their down payments, leading to higher home costs.

The assumption that conservatorship can end without significant changes in how the GSEs operate may be the most dangerous one of all.

There's been chatter about whether the government-sponsored enterprises should be considered systemically important. But supporters must consider that such a designation would put the Fed in charge of their supervision, a step that would do more harm than good.

The FHFA director’s recent comments about whether the government-sponsored enterprises should be designated as SIFIs tees up a potentially significant element of the mortgage finance debate.

FHFA Director Mark Calabria should ensure the government-sponsored enterprises hold at least 4% of total assets as part of housing finance reform.

The shift to nonbank lenders will put the breaks on non-qualified mortgage and home equity line of credit origination growth.

Housing finance reform cannot be piecemeal, but must be done using a comprehensive approach, an independent mortgage banker says.