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Allowing issuers of mortgage-backed securities to originate loans "creates confusion around the bright line" between the primary and secondary mortgage markets, David Stevens says.

Small Lenders Fear GSE Reform Bill Could Endanger Them

As drafted, the Johnson-Crapo bill would allow big banks to originate, aggregate, and guarantee mortgages. Small lenders worry such vertically integrated companies could price them out of the business.
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Fear and Inertia Said to Weigh on Housing Market

Real estate executives are looking for ways to motivate reluctant buyers who don't want to give up their current low mortgage rates.

Mortgage Rates Fall with 30-Year at Two-Month Low of 4.27%

Mortgage rates fell, sending costs for 30-year loans to the lowest since early February as the Federal Reserve confirmed its commitment to provide support for the economic recovery.

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Why B of A's Higher Legal Reserves Could Be a Good Thing

B of A caught observers off guard by announcing $6 billion in mortgage litigation expenses, but the move is an attempt to convince analysts and investors that there is an end in sight to its crisis-era legal woes. It just might work.

Ellie Mae's New Explanation for Outage Only Raises More Questions

If it wasn't a malicious attack, what else could have overwhelmed the mortgage loan origination software vendor's servers at a time when originations are in the doldrums?

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Real estate agents and builders need to know right away if a loan can be done or not, Roland Benson says. "If it takes a week or two, it's too late."

The Back Office Has This Loan Officer's Back

imortgage's Roland Benson is a top producer because of the people who process, underwrite and close loans in the back office. He should know—that's where he got his start.
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Lenders Enlist Help Ramping Up Service Levels
From hyper-personalized "one-to-one marketing" to ad campaigns that narrowly target veterans, originators are seeking vendors' assistance in their efforts to retain and grow volume.

Mini-Correspondent Is a Bright Idea—Don't Mess This One Up
Done right, the mini-correspondent channel is a legitimate way to create mortgage servicing rights, but the annals of the mortgage industry are filled with solid ideas that went terribly wrong.

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Immigrants Emerging as Unintended Victims of QM
People who lack a credit or work history in the United States may have trouble getting a mortgage under the new qualified-mortgage rule, bankers say. A number of immigrants are self-employed, which makes it even harder to qualify.

In Purchase Market, Focus Shifts to Products and Customer Service
Mortgage lenders are retooling their approach to customer acquisition to increase business in a purchase-driven market.

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