Loan Think

Not only do Gen-Xers have the home buying power and technological insights and ability, but they also have more decision makers in the mortgage industry than millennials, and thereby possess supply power in the rising demand for e-closings.

Nonbank mortgage companies have traditionally been monoline or focused businesses, but in the current market they must create multiple revenue lines and strike a healthy balance between them to survive.

A GSE exemption in the bureau’s “qualified mortgage” rule is set to sunset in 2021, and regulators should not try to extend it as some experts have suggested.

Many young working people can't afford to buy their own homes and are looking for help from their parents, who in turn are getting squeezed financially.

As the CFPB moves closer to updating its debt collection regulations, revising restrictions on phone calls and other communications with consumers must be a priority.

Recapitalizing the GSEs by cutting off returns to the government would essentially be buying the GSEs from the taxpayers with money that belongs to the taxpayers.

Having poor credit doesn't necessarily keep someone looking to become a mortgage broker from obtaining a surety bond, but it can complicate matters.

Military service members are a crucial market segment for lenders because they are younger than other demographics and a steady group of borrowers unfazed by independent economic concerns.

Historically, rising interest rates have enabled banks to earn more, but this time around in the banking industry, like much else, things are a little different.

Millennials act differently than prior generations, including moving to second-tier markets to buy a home, and that is the opening for community lenders to reach this market.