Loan Think

With conservatorship of Fannie Mae and Freddie Mac well into its seventh year, the government has now had control of the housing agencies longer than 47 members of the Senate have been office.

Consent decrees issued (and not issued) last week demonstrate how having appropriate compliance controls can and will make a major difference in any potential regulatory response.

The traditional method of measuring mortgage denials is fundamentally flawed. But by evaluating not just the quantity, but also the quality of mortgage applicants, the denial rate picture becomes more clear.

When writing your own State of the Union presentation, skip to the part where you lay out the vision for what your company will be in the future.

The pension fund sector owns hundreds of billions of dollars of mortgage securities. But MBS holdings are such a small percentage of their portfolios, pensions may not be aware of their heft in the industry.

The Consumer Financial Protection Bureau recently issued a report showing that nearly half of all mortgage borrowers did not comparison shop. Will additional disclosure help if consumers don't use it?

The federal government's recent decisions to lower annual premiums for new borrowers and reduce down payment requirements suggest it has little interest in making room for private capital in the mortgage market.

No matter if you are a large mortgage banker or a small mortgage broker, your employees in California are covered under this law that goes into effect on July 1.

The Obama Administration's decision to cut the FHA annual premium by 50 basis points will do little to boost a lagging housing market where banks are looking for near-zero lending risk.

Mortgages for Gulf War veterans have more than tripled since 2008, which along with a spirited outreach program and the post-crisis credit squeeze, has helped fuel a steady increase in Department of Veterans Affairs lending.