Loan Think

Should the Federal Reserve step back into the market and restart their loan purchase activity?

These business purpose loans are vehicles for a specific type of potential fraud, the reverse occupancy scheme, where someone applying for a non-owner-occupant mortgage actually intends to live in the property.

The threat of instability from that group is immaterial in comparison to the existential risk created by the U.S. Treasury, argues the chairman of Whalen Global Advisors.

Any comprehensive overhaul of the Federal Home Loan Bank System will have to navigate a dense thicket of countervailing regulatory and stakeholder priorities.

Following the anniversary of the formation of Community Mortgage Lenders of America, its president recounts the successes of the independent mortgage bank advocacy group.

Demand-driven inflation will continue to be a problem in the U.S. economy until we somehow work through trillions of excess liquidity provided by the Federal Open Market Committee, writes the Chairman of Whalen Global Advisors.

The decision from the Federal Housing Finance Agency to allow lenders to review only two credit reports for mortgage applicants will harm homebuyers with less than perfect credit, writes the founder and CEO of Financial Services Innovation Coalition and a certified general appraiser at the Dawson Valuation Group.

Lenders must ensure that compliance and risk management teams are fully staffed and supported at the highest levels of the organization, writes the director of technology product management at Wolters Kluwer.

If the Supreme Court strikes down CFPB regulations by ruling against the constitutionality of the agency's structure, technological innovation will be harder for banks to achieve as regulatory clarity moves further out of reach.

This generation is more capable of increasing homeownership rates than any others over the past several decades, argues dv01's head of research.