Opinion from National Mortgage News

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.

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.