Underwriting

Radian Guaranty is filing a new rate structure, lowering its premiums for higher-quality borrowers and raising them for those with lower credit scores.

Understanding how consumers pay their debts over time is expected to widen access to credit for consumers recovering from financial problems or who were hard to score before. Just how many it will benefit is an open debate.

An increased level of home-purchase mortgage applications led to continued improvement in the U.S. housing market in December, according to Freddie Mac.

The inventory of homes for sale in the U.S. declined in January, while home prices continue to rise, according to Zillow.

Meaningful rules encouraging Fannie and Freddie to do more with manufactured housing would allow more lenders into the market and make pricing more competitive.

Law enforcement authorities raided the headquarters of United Mortgage Trust in Grapevine, Texas, on Feb. 18, seeking documents related to the company's management.

Bank of America on Monday will launch a 3% down payment home loan in partnership with Freddie Mac, but the bank will not retain any risk if the loans default. That’s because it will immediately will sell the loans and servicing rights to Self-Help Federal Credit Union, a Durham, N.C., community development lender that's on a mission to put more low- and moderate-income families into homes of their own.

The government-sponsored enterprise was enthusiastic about launching the 97% loan-to-value product when it announced it in December 2014. But it has yet to become a sizable part of Fannie's business.

Financial gyrations have kept long-term interest rates lower than expected and that could be good for the housing market.

The mismatch between demand for new homes and the supply threatens to drive up prices and dampen lending.

Home equity portfolios have shrunk at banks, but credit unions and nonbank lenders like loanDepot helped fuel the surge in home equity lines last year.

United Guaranty reported pretax operating income of $644 million for 2015 while its new insurance written increased by 21%.

Mortgage applications for new home purchases increased 14% on an unadjusted basis from the month before, according to data from the Mortgage Bankers Association's Builder Application Survey.

Mortgage rates fell for the sixth straight week as market volatility continued, according to the Freddie Mac Primary Mortgage Market Survey.

The financial crisis turned a lot of Americans into renters, because they couldn’t keep paying their mortgage, or because high unemployment and stagnant wages in the ensuing years forced them to put off homeownership.

Redwood Trust said it will stop originating commercial mortgages for securitization and focus solely on investing in bonds backed by commercial mortgages originated by others.

There were 3.1 million homes and condos sold during 2015, a nine-year high. From the Twin Cities of Minneapolis-St. Paul to Salem, the capitol of Oregon, here's a look at the 10 markets with the biggest year-over-year percent increases in home sales.

Arch's mortgage insurance unit saw an increase of over 1,000% in fourth-quarter underwriting income due to a significant decline in losses and loss-adjustment expenses.

Many institutional investors are refusing to purchase mortgages loans until they get assurance from the CFPB that they won't have to pay for others' mistakes. Their pullback could further the slow the issuance of private-label mortgage bonds this year, a huge concern at a time when the majority of home loans are insured by Fannie, Freddie and the FHA.

The Consumer Financial Protection Bureau's indirect response to Quicken Loans' Super Bowl 50 commercial implicitly warns consumers to be wary of technology, which points to a bigger problem: does the CFPB even know what it wants from the mortgage industry?