Loan Think

The assumption that conservatorship can end without significant changes in how the GSEs operate may be the most dangerous one of all.

There's been chatter about whether the government-sponsored enterprises should be considered systemically important. But supporters must consider that such a designation would put the Fed in charge of their supervision, a step that would do more harm than good.

The FHFA director’s recent comments about whether the government-sponsored enterprises should be designated as SIFIs tees up a potentially significant element of the mortgage finance debate.

FHFA Director Mark Calabria should ensure the government-sponsored enterprises hold at least 4% of total assets as part of housing finance reform.

The shift to nonbank lenders will put the breaks on non-qualified mortgage and home equity line of credit origination growth.

Housing finance reform cannot be piecemeal, but must be done using a comprehensive approach, an independent mortgage banker says.

Not only do Gen-Xers have the home buying power and technological insights and ability, but they also have more decision makers in the mortgage industry than millennials, and thereby possess supply power in the rising demand for e-closings.

Nonbank mortgage companies have traditionally been monoline or focused businesses, but in the current market they must create multiple revenue lines and strike a healthy balance between them to survive.

A GSE exemption in the bureau’s “qualified mortgage” rule is set to sunset in 2021, and regulators should not try to extend it as some experts have suggested.

Many young working people can't afford to buy their own homes and are looking for help from their parents, who in turn are getting squeezed financially.