Loan Think

As the mortgage industry awaits clear direction on marketing service agreements, recent guidance from the Consumer Financial Protection Bureau clarifies only how little the agency likes them.

By using data from both post-closing and prefunding quality control reviews, lenders can craft a more proactive prefunding QC strategy that takes into account high-risk areas that are specific to their businesses.

Investor expectations for preparing real estate owned properties for conveyance vary wildly and demand a tailored approach from servicers.

If we can't identify adequate capital to bear mortgage credit losses when they are incurred, aren't we setting ourselves up for another series of bailouts in the next housing downturn?

2016 Presidential candidate Carly Fiorina telegraphs a message that the mortgage industry would do well to heed.

If the Consumer Financial Protection Bureau provides lenders with a hold harmless period, it must also include protections to keep lenders from facing future lawsuits related to TILA-RESPA Integrated Disclosures compliance.

To better serve millennial mortgage customers, lenders would be helped by understanding how the "fear of missing out" mentality drives this generation's consumer culture.

The key to housing finance reform is a new securitization model that allows the private sector to price and absorb the majority of housing credit risk.

Appraisers and appraisal management companies do important, and different, work. Their fees should be listed separately and transparently in the TILA-RESPA integrated disclosures.

A Fair Housing Act lawsuit allowed to stand against a lender degrees removed from the alleged injury is one example of how broadly defined discrimination laws will open an abyss of litigation.