Loan Think

Private flood insurance rules that go into effect this summer have a safe harbor for some policies, but determining whether others are compliant could be a time-consuming, imprecise and costly exercise.

The administration is sending conflicting signals on whether it has a plan to overhaul the housing finance system, further complicating an already complex debate.

Ginnie Mae should not overreact in supervising smaller, more diversified mortgage bankers, but rather scale its approach in line with the concentration of risk that different-sized servicers pose.

Why now? Will it work? How will their rivals respond? The megadeal between the two East Coast regionals offers up plenty of grist for speculation.

To bring millennials to the table, mortgage lenders must overcome misconceptions about the role technology plays in the way this generation buys homes.

As policymakers consider administrative reforms to Fannie and Freddie, they must address the problem of capital arbitrage to avoid overleveraging the mortgage system.

Some hopeful souls in Washington believe the commercial banking industry will return to originating and servicing higher-risk mortgages, but most banks are more likely to continue withdrawing from the sector.

Independent mortgage banks have been instrumental in filling the void left by banks that have retreated from the home lending market since the Great Recession.

Policymakers should not let mortgage REITs, hedge funds and other firms gain membership through captive insurance companies.

1st Alliance Lending CEO John DiIorio explains why the mortgage lender turned down a consent order with the Connecticut Department of Banking and the high cost of fighting what he sees as an overreach of regulators' enforcement power.