Loan Think

Now that the FY 2014 Actuarial Review has confirmed that FHA is back on solid financial footing, it is time to focus on the only disappointment in the review of forward mortgages — FHA's volume decline and its implications for lower income and minority families who rely on FHA financing.

Appraisers are often the only party involved in a real estate transaction that has no "skin in the game," unlike mortgage originators and real estate agents.

As the mortgage industry heads into the New Year, National Mortgage News is taking a look at the biggest trends and topics that will shape 2015.

The government-sponsored enterprises' changes to their representations and warranties regulations could increase lending, or cause taxpayer losses related to GSE purchases of bad loans. Here's why advocates like the move.

Mortgage companies must properly vet their third-party vendors to ensure that there is no litigation, fraud allegations, or other risky behavior that might create risk for them.

To be a successful mortgage loan originator, you have to be able to function in any kind of real estate market.

Optical character recognition replaces a manual, error-prone process, but requires regularly testing and monitoring to get the most out of the technology.

The government conservatorship of Fannie Mae and Freddie Mac was never meant to authorize lasting control over the housing sector, according to one of the people who advised Congress on the Housing and Economic Recovery Act.

Originators need to have quality and consistency in their marketing and public relations.

Consumers who supposedly can't be credit scored are being evaluated using antiquated methods, so they can't qualify for a mortgage loan.