Loan Think

Policymakers are all too quick to categorize IMBs as financially risky institutions; making them easy targets for stricter - and unnecessary - federal oversight and regulatory efforts, Stevens and Olson argue.

An article's handling of COVID loan forbearance for veterans is an unfortunate example of how American journalism has become compromised by progressive politics, often by ignoring or twisting the facts, writes the chairman of Whalen Global Advisors.

In light of the shift over the past few years, most companies in the space have refocused on their long-term strategy, which includes optimizing technology infrastructure and providing a superior customer experience, write leaders from SimpleNexus and nCino.

Amid the release of Q3 bank earnings, the Chairman of Whalen Global Advisors ponders whether efforts from the government-related entities help or hurt the independent mortgage bankers that are taking up a greater and greater share of 1-4 family lending and servicing.

When loan officers have a broad, problem-solving focus — bolstered by diverse services, technologies and consistent attention to detail — their pipelines grow, writes the president of Incenter Lender Services.

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.