Opinion from National Mortgage News

Allowing lenders to choose the number of credit reports they use would force the credit bureaus to clean up their data issues and provide consistent scoring, writes the Chairman of Whalen Global Advisors.

Home finance firms have until October 2nd to register for the annual ranking of the Best Mortgage Companies to Work For.

As Treasury market volatility strains IMB funding, buying a bank or insurer offers permanent capital and stronger ratings, according to the Chairman of Whalen Global Advisors.

To manage systemic risks, Congress must give large IMBs a single federal regulator and emergency liquidity backstops, according to NewRez's SVP of Policy.

In a contentious hearing in the House Financial Services Committee, congressional Democrats evinced serious skepticism about the Federal Home Loan Bank System. That could bode ill for the Home Loan banks should control of the House flip in November.

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.