Reshaping Home Finance: The Future of Fannie Mae, Freddie Mac, and U.S. Mortgage Policy
The vast majority of residential mortgages in the United States are originated, underwritten, funded, and ultimately sold in accordance…
Month: March 2025
Mar. 24: HELOC mgt., LO jobs; VA joint loans, non-QM, HELOC, private label products: rankings of top 50 lenders in 2024; deep dive on rates
“A government survey has shown that 91 percent of illegal immigrants come to this country so that they can see their own doctor.” On a…
Mar. 22: Thoughts on IMB’s future; CFPB hiring back; compliance at the state level; vendor news; Saturday Spotlight: Docutech
For the people who write to me saying either, “Politics don’t impact lending,” or “It’ll be interesting to see what happens to Fannie Mae…
Mar. 21: Polly jobs; AI-powered lending, Day 1 Certainty; new corresp. product tools; abrupt Agency senior management changes
“ Essex Mortgage is excited to announce a new financing product for homebuyers . The Link Loan allows originators to work with consumers…
The Futility of Rate Predictions: Why Forecasting Interest Movements is a Gamble
The interest rate markets have a way of humbling almost all the ‘experts’ and the very first thing you learn in Secondary Marketing is…
The Evolving Role of Appraisal Management Companies in the Mortgage Industry
In recent years, appraisal management companies (AMCs) have played an increasingly vital role in the mortgage industry, addressing…
Mar. 20: Secondary, appraisal, audit products; Freddie employee email news; Western Alliance data breach; thoughts on IMB share
“My wife just left me. She says life revolves around baseball and she’s sick of it. I’m quite upset. We were together for 7 seasons.” Say…
Mortgage Lending’s Power Shift: Why Banks Are Poised to Take Back Business
Over the past 15 years, the mortgage lending landscape has completely flipped. In 2010, depository institutions originated 81% of all…
Mar. 19: AE, LO jobs; “fourth month” trading, client marketing, HELOC, servicing tools; X employee on Fannie board & other FHFA news
Tired of writing those pesky checks? Wait no longer: If you don’t want to send a check through the U.S. Mail, for whatever reason,…
Mar. 18: Financial analyst, LO jobs; fee collection, insurance rpt., jumbo, automation products; training & webcasts; condo blacklist?
The calendar pages flip. We’re in mortgage conference season again in hotels around the nation, and why not have a little fun leaving…