Fannie Mae, Freddie Mac shifts and lender impact
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On Jan. 26, use of the new Uniform Residential Appraisal Report shifts from limited production to the optional phase, giving lenders 10 months to get ready.

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Prepayment speeds approached recent highs last month, but distressed borrower data paints a mixed picture about the current housing market, according to ICE.

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Maintenance of key mortgage tools requires a nuanced strategy as the full cost will stretch across the tech stack, but inaction could be worse, experts say.
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Depositories, credit unions and nonbank lenders have different needs from their loan origination software, and smaller lenders are more agile customers.
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