Loan Think

Mortgage executives who have long decried new regulations as excessive are increasingly becoming resigned to the fact that changes are here to stay.

Housing policy needs to be refocused on strengthening household balance sheets, especially by making borrowers more resilient to home price declines. A new 15-year fixed-rate mortgage that allows borrowers to use the down payment to buy down the interest rate on the loan is designed to do just that.

Federal and state laws, including the Gramm-Leach-Bliley Act, require title companies to develop a written information security program that describes the procedures they employ to protect non-public personal information.

Making the GSEs out to be the villains of the mortgage crisis is an easy sell to a fearful and angry public, but doesn’t make it true. Partly due to this mindset, housing markets remain held hostage.

A lender which paid millions in connection with a Consumer Financial Protection Bureau consent decree has been sued civilly in a class action pertaining to the same activity.

A good brand strategy lays the foundation for a company's marketing strategy.

Recently released HMDA data strongly suggest that the reason minority homeownership rates are falling since the beginning of the recession isn't because minorities are opting out of the mortgage process, but because they're being excluded.

Lenders increasingly find themselves responsible for protecting clients’ money and non-public personal information as those funds and data pass through several vendors that are part of the mortgage process.

Attendees who get to the Mortgage Bankers Association's annual conference in Vegas a little early can take a day trip to view of some amazing natural (and man-made) landmarks.

Mortgage professionals need to get enough business done to justify a trip to the Mortgage Bankers Association's annual convention. Here's how to make sure that happens.