Loan Think

The government-sponsored enterprises have continued to expand over the past decade, despite being in conservatorship. New leadership at the FHFA should reverse this trend.

Servicers that fail to give borrowers access to digital collection methods are missing out on a chance to improve delinquency rates and lower costs.

As debate over the future of the mortgage finance system heats up, policymakers must ensure that small banks and credit unions maintain equitable access to the secondary market.

Mortgage brokers need to consider bringing their business into new locations to overcome limitations like competition and a finite number of possible customers.

Technologies like Siri and Alexa will only make mortgage production more efficient if users communicate with them precisely and securely.

A patchwork of state laws makes it tough for lenders to adopt electronic notarization, but they'll need to if they want to make a fully digital mortgage a reality.

Private flood insurance rules that go into effect this summer have a safe harbor for some policies, but determining whether others are compliant could be a time-consuming, imprecise and costly exercise.

The administration is sending conflicting signals on whether it has a plan to overhaul the housing finance system, further complicating an already complex debate.

Ginnie Mae should not overreact in supervising smaller, more diversified mortgage bankers, but rather scale its approach in line with the concentration of risk that different-sized servicers pose.

Why now? Will it work? How will their rivals respond? The megadeal between the two East Coast regionals offers up plenty of grist for speculation.