Origination

Servicing

Mortgage fraud costs banks more than nonbanks

Depository originators lose 68 cents per $1 more than their nondepository competitors.

By Brad Finkelstein
Originations Editor

May 17
Secondary markets

Ginnie Mae head speaks on housing supply plan, Thompson on PSPA

The White House outlined a specific role for the agency in its housing supply agenda, which has not happened before, Ginnie President Alanna McCargo said at the MBA Secondary Conference. Meanwhile, the acting head of the FHFA said preferred stock talks haven’t happened — yet.

By Brad Finkelstein
Originations Editor

May 17
Originations

Mortgage lenders see 87% drop in earnings per loan in Q1

Preliminary data from the trade group indicates that mortgage lenders an average of 5 basis points earned per loan as costs reached an all-time high.

By Brad Finkelstein
Originations Editor

May 17
Going Green: Home Energy Assessments 101

The typical U.S. family could save quite a bit of cash by using reliable information to help them make smart home improvement decisions. This article illustrates how to conduct home energy assessments that provide energy-saving home improvement recommendations that can help homeowners lower their utility bills, increase home value and enhance marketability. Learn More.

Partner Insights from Freddie Mac Single Family
Manufactured Housing is Big in Japan—Can Their Cool, Hip Take Work in the U.S.?

Manufactured houses, also referred to as “prefab,” “modular” or “factory-built,” are a popular choice in Japan – thanks to their attractive design, advanced technology and trendy branding. This article looks at how some U.S. manufactured housing companies are evolving and improving manufactured home features in hopes of making this housing option all-the-rage in the States too. Read More.

Partner Insights from Freddie Mac Single Family
H2-Whoa: How to Find and Fix the Biggest Wastes of Water in Your Home with Green Mortgages

Homeowners rely on water for everything from drinking to cleaning to landscape irrigation. This article provides tips on how to decrease water usage, save money and preserve this vital resource by making changes to appliances, plumbing fixtures, hot water heaters and more – and how lenders can offer mortgage options that help finance these efficiency updates. Learn More.

Partner Insights from Freddie Mac Single Family
Many Black and Hispanic Homeowners Don’t Refinance. Here’s Why.

There are some significant benefits associated with refinancing, yet a disproportionate number of Black and Hispanic Americans don’t pursue the option. Discover what industry stakeholders can do to help broaden the funnel of homeowners looking to refinance, thereby increasing homeowner equity for minorities. Read More.

Partner Insights from Freddie Mac Single Family
How Vacant and Distressed Homes Can Help Meet the Demand For Entry-Level Housing

The shortage of new construction homes coupled with high demand for existing supply has driven up the prices of affordable properties, making homeownership difficult for borrowers below the Area Median Income (AMI). This article explores how getting vacant and distressed properties back on the market can help address this challenge. Learn More.

Partner Insights from Freddie Mac Single Family
Collaboration on Shared Equity Programs in Milwaukee, Minneapolis and Omaha Can Create Lasting Opportunity

Nearly four million affordable housing units are needed to close the housing gap. Such a number begs the question: How can housing professionals collaborate across the ecosystem to help establish solid, sustainable pathways to affordable homeownership? This article looks at leveraging shared equity programs to address the housing gap. Read More.

Partner Insights from Freddie Mac Single Family
ADUs Offer Promise as a Viable Affordable Housing Supply Solution

Accessory dwelling units (ADUs) could be one answer to affordability and housing supply challenges. Known colloquially as “granny flats,” “in-law apartments,” “carriage houses,” and “secondary suites,” an ADU is a smaller, independent residential structure on the same lot as a single-family home. Discover the benefits that ADUs are poised to provide to homeowners, renters and communities. Read More.

Partner Insights from Freddie Mac Single Family