Loan Think

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.