Banco Popular de Puerto Rico

Congress should act in the next relief bill to provide the additional resources needed to build more affordable housing.

Down payment assistance programs remain an important tool for increasing minority homeownership, but especially more so because of the pandemic.

Any intention that Ginnie Mae may have had to slow prepayment rates by changing the rules on RPLs seems to be thwarted by the grim economic reality facing the big banks.

It starts with understanding investor, insurer and regulatory requirements and how they're interpreted and applied.

The new normal created by the events so far in 2020 could make this the best year ever for lenders.

Whalen: "It is tempting to think that low interest rates will cure all ills in the housing sector, but this view is seriously in error, as we learned in 2008."

The key word is "temporary" with the FHA's quality control waiver expiring and not likely to be renewed.

The most successful mortgage originators will use artificial intelligence and machine learning to enhance and enable their people to have better, more meaningful engagements with customers.

Ginnie Mae's stress testing model was based on large issuers, and does not appear to adequately reflect important qualitative differences between larger and smaller issuers.

The Trump administration's thinking on housing is filled with conflicts and contradictions, a quilt work of at times irrational proposals that seem to be at odds with the real world of mortgage finance.