Loan Think

The Financial Stability Oversight Council’s plan to study the market explains very little about which activities or firms, like Fannie Mae and Freddie Mac, will be designated as systemically important. Here's some clearer guidance.

It starts with understanding investor, insurer and regulatory requirements and how they're interpreted and applied.

Any intention that Ginnie Mae may have had to slow prepayment rates by changing the rules on RPLs seems to be thwarted by the grim economic reality facing the big banks.

Down payment assistance programs remain an important tool for increasing minority homeownership, but especially more so because of the pandemic.

Congress should act in the next relief bill to provide the additional resources needed to build more affordable housing.

By providing flexibility for property tax payments localities can help keep local businesses going and maintain their tax base for the future.

FHFA, HUD and Ginnie Mae should let the rate of prepayments on MBS dictate bond prices and market rates.

But unless lenders make fundamental shifts in how they use this technology, change isn't going to happen.

Just like volatility begets volatility, calmness helps support continued calm.

The ripple effect of buying, spending can drive small businesses back to success.