Loan Think

If passed, the Affordable Housing Credit Improvement Act introduced last week could spur development of 2 million rental units for low- and moderate-income households over the next decade, writes the president of Enterprise Housing Credit Investments

Lenders largely took a piecemeal strategy to technology adoption, gravitating towards a hybrid e-closing process as the latest industry “innovation,” yet this process is anything but, Rick Triola of NotaryCam writes.

The new rules are disproportionate particularly in light of the GSEs’ recent record of profitability, the director of the Community Home Lenders Association writes.

“Federal Housing Finance Authority Director Mark Calabria’s decisions to date are conservative and imply a slow death for the GSEs and IMBs operating in the conventional market,” analyst Chris Whalen writes.

Securitization is a sound delivery model for any lender when combined with adequate research and preparation and it offers unique benefits, too — especially in terms of greater control and efficiencies, writes Black Knight’s managing director of pipeline analytics, James Baublitz.

In an increasingly volatile market, lenders need to come to terms with the fact that outsourcing might be the best option, writes Rob Wilson of Merchants Mortgage.

New entrants in the market may believe: “We’re doing everything right. Fraud isn’t a problem, and we have a fraud alert tool in place anyway.” This, of course, is exactly when fraud risk grows, warns Paul Harris of First American Data & Analytics.

By applying what has been learned in the past year, mortgage providers can ensure they will be better positioned to take on more loans and grow their business, EarnUp CEO and co-founder Nadim Homsany writes

The UWM ultimatum cuts at the very foundation of why the brokerage channel exists, writes Jack Yoest of Catholic University's Busch School of Business.

And there are some brawls on the field affecting the direction of business for the rest of this year.