Loan Think

The Federal Housing Finance Agency must set fees equal to the cost of capital that private banks hold against similar risk, not just the amount of capital that Fannie and Freddie think are right for themselves.

Following the release of the nonbinding statement of policy, regulators still have an important role to play in making sure the industry achieves an effective data-sharing model.

To protect veterans from predatory lending practices, Ginnie Mae and the Department of Veterans Affairs should remove lenders' financial incentive for originating Interest Rate Reduction Refinance Loans.

While the scale of destruction and suffering caused by Hurricanes Harvey and Irma is staggering, history suggests the local economy and housing markets in the affected areas will bounce back relatively quickly.

The Consumer Financial Protection Bureau was created in part to ensure that nonbanks are subject to federal oversight, but the fact is that 99% of banks are exempt from CFPB supervision.

Although property tax loans raise concerns for the mortgage industry, there is a way for property tax lenders and mortgage companies to co-exist.

Building off the success of policy changes in 2016, there are now even more ways for mortgage lenders to help student loan borrowers become homeowners.

Competition in other areas of consumer lending has driven both VantageScore and FICO to build credit scoring models that are more accurate and more consumer-friendly. Permitting that competition in the mortgage market can increase certainty for lenders and transparency for investors.

The Federal Housing Finance Agency's Duty to Serve program must increase manufactured housing lending in rural communities.

Technology isn't a magic bullet for success, and just doing mortgages digitally doesn't change how the business fundamentally works.