Loan Think

COVID loan forbearance championed by progressives has created a new, permanent class of distressed borrower, Whalen writes.

There is no room to unfairly criticize the determination of the Consumer Financial Protection Bureau to properly fulfill its regulatory roll in mortgage servicing, writes the founder of the Maine Attorney Saving Homes program.

The Consumer Financial Protection Bureau seems to have been turned loose by Chopra in a redux of the bad old days under former director Richard Cordray, when the agency inflicted punishment on the mortgage industry often without any basis in fact, writes Whalen.

As the real estate finance industry transitions from the highs and lows of the COVID era into the new normal of 2022, industry standards will continue to play a key role in helping us solve ongoing business challenges, regardless of the market environment, writes the president of MISMO.

Former principal economist at the Federal Housing Finance Agency does the math on how the changes impact the missions of Fannie Mae and Freddie Mac.

Demand for advances from the Home Loan banks has plummeted as the Federal Reserve has flooded the financial system with liquidity. But with a nudge from Congress, these government-sponsored enterprises could remain relevant by broadening their mission and opening membership to more lenders.

The deadline is approaching quickly, but it’s still not too late to get started, writes the manager of Falcon Capital Advisors.

A continuous servicing-to-originations loop keeps and grows customer relationships while increasing MSR values and lowering origination cost. But as with all things mortgage, executing on this is harder than it looks, writes Sagent's CEO and President

The Federal Housing Finance Agency should consider allowing small depositories — those defined by regulators to be below $10 billion in total assets — to again make use of structured transactions for seasoned, performing loans, writes the chairman of Whalen Global Advisors.

Monday’s release of FHA’s annual financial report has renewed calls to end its Life of Loan policy and cut annual premiums back down to pre-crisis levels, the executive director of the Community Home Lenders Association writes.