Opinion from National Mortgage News

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.

Despite bullish jobs data, yields surged post-FOMC, with three possible wave theory outcomes ahead, according to the head of correspondent business development at AD Mortgage.

Treasury yields look oversold after a rough week, but technical patterns still point to a broader uptrend that could push the 5- and 10-year closer to 5%, according to the head of correspondent business development at AD Mortgage.

Mortgage servicing rights are one of the most notoriously volatile assets in financial markets. The Federal Reserve's plan to loosen their capital treatment could foretell major problems in the future.

Treasury yields swung wildly after a soft jobs report as oil's surge added a new complication for the Fed, raising concerns about the rate path ahead, according to the head of correspondent business development at AD Mortgage.

Proposed housing legislation aimed at curbing institutional homebuying could also block investment platforms that let everyday Americans own shares in rental homes, according to the CEO of Arrived.

War headlines failed to lift Treasuries; rates sold off, resistance held, and hedging beat rate bets, according to the Head of Correspondent Business Development at AD Mortgage.

Bond yields tested key resistance as markets largely shrugged at the data, according to the Head of Correspondent Business Development at AD Mortgage.

Bowman's Basel III relief may ease MSR capital but won't bring banks back; risk weights and economics still favor nonbanks, according to the Chairman of Whalen Global Advisors

Treasuries rallied and broke key levels, but stubborn 5-year resistance still caps momentum and rate-cut expectations remain unchanged, the CEO of IF Securities writes.

The 5-year yield swung sharply after conflicting BLS jobs and CPI data, with softer inflation boosting rate-cut hopes, according to the CEO of IF Securities.

Mortgage tech's speed is undermined by flawed credit data, causing costly fallout. Lenders must treat data accuracy as a pipeline risk, not a peripheral issue, according to the founder of Consumer Attorneys

The federal government should step in to prevent an emerging patchwork of state regulations from stifling the benefits of applying the tools of generative artificial intelligence to the mortgage market.