Opinion from National Mortgage News

Iran war and the AI-credit unwind signal higher-for-longer rates, wider spreads, forced cost cuts industrywide, writes the chairman of Whalen Global Advisors.

As written, new capital standards for U.S. banks fail to account for the additional risk posed by many home loan clients who obtain second mortgages. Fixing the problem will significantly reduce the rule's benefit to banks.

New York's new law requiring lenders to honor their own mortgage payoff instructions reduces delays and costs for consumers, argues the American Land Title Association.

DSCR loans now make up nearly a third of non-QM issuance, but rising rates and thinning yields could expose hidden risk, writes the Chairman of Whalen Global Advisors.

Social media has reshaped what buyers expect from starter homes, fueling a perception crisis, according to the SVP at Mphasis Digital Risk.

State mortgage regulators are favoring fines over fair, balanced supervision, and need a coordinated overhaul, according to the head of the CHLA.

AD Mortgage's head of correspondent business development writes that an Iran peace deal sparked bond rallies ahead of Wednesday's FOMC meeting.

While disparate impact has never been under greater legal pressure, its influence on the future of housing policy and even employment continues to grow, showing that reducing discriminatory effects is good for business.

Crude oil futures dropped sharply Sunday, triggering bullish Treasury gaps. The head of correspondent business development at AD Mortgage writes about what it means for yields.

First-time buyer ages and declining homeownership rates demand bold federal action on taxes, condos and financial literacy, according to the head of the CHLA.

Restricting institutional investors is bad policy, but reforming 1031 exchanges and requiring public listings for HUD homes could boost affordability, according to the Chairman of Whalen Global Advisors.

Core CPI came in above forecasts and Treasury yields surged, while copper's record-high prices add to inflation concerns, the head of correspondent business development at AD Mortgage writes.

State mortgage regulators are increasingly treating supervision as enforcement, imposing large fines even when companies fix issues quickly, writes the head of public policy at NewRez.

Mortgage lenders' crisis communications frameworks are too slow for today's markets, leaving dangerous narrative gaps, according to the founder of ClearLine.

Treasurys posted solid gains Friday as oil futures dropped $15 a barrel, while the S&P 500 logged its 10th straight day of higher highs, according to the head of correspondent business development at AD Mortgage.

Oil prices and Treasury yields continued their close correlation Friday, with crude falling $12 and the 5-year yield hitting recovery lows after Iran declared the Strait of Hormuz open during the ceasefire.

A Iran ceasefire sparked a $20 oil drop and Treasury rally, narrowing the rate-cut window from 18 to 15 months, but key technical resistance levels and a potentially ugly Friday CPI report could still reshape the outlook, according to the head of correspondent business development at AD Mortgage.

Fannie Mae and Freddie Mac should aggressively buy and restructure low-coupon MBS into CMOs rather than holding them, a move that would lower long-term mortgage rates, according to the chairman of Whalen Global Advisors.

Yields rebounded after the 30-year held near 5%, but the yield curve's flattening trend likely isn't over, according to the head of correspondent business development at AD Mortgage.

The FHFA's ACV condo insurance rollback gets the balance right between affordability and safety, even if politics muddied the waters, the chairman of Whalen Global Advisors writes.