Underwriting

Profits from originating mortgages dipped during the third quarter, with independent mortgage banks and mortgage subsidiaries of banks reporting an average gain of $897, according to the Mortgage Bankers Association.

Here is a checklist of important items in order to get a report approved in record time.

Despite the opinions of many that low-down-payment mortgages didn't cause the housing crisis, the fact is that these types of loans did contribute mightily to the bubble that burst.

The government-sponsored enterprises' regulator has increased Fannie Mae and Freddie Mac loan limits in 46 high-cost counties.

New initiatives meant to increase access to credit have rekindled the debate over whether housing counseling is the best and most cost-effective way for preparing consumers to become mortgage borrowers.

Lenders who make or buy non-qualified mortgages are learning how to get more of a handle on the risks, in part by ensuring they don't stray too far away from QM boundaries.

Fannie Mae and Freddie Mac updated their representation and warranties frameworks in a move designed to encourage mortgage lenders to ease credit restrictions by limiting repurchase requirements.

Fannie Mae and Freddie Mac's new low down payment loans products may not represent such a risk to the Federal Housing Administration program as some have feared.

The Federal Housing Administration's mortgage insurance fund is finally in the black, but not strong enough that the agency is likely to lower premiums anytime soon.

TD Bank's first Consumer Borrowing Index found that only about half of Home Equity Line of Credit borrowers are using their loan for home improvements.

Consumer credit default rates rose slightly in October from the previous month. But even with the recent increases, these rates are still much lower than levels seen a year ago.

Experian said that the average nationwide credit score climbed 2 points from last year, to 666.

The Obama administration is committed to reducing FHA premiums for borrowers who complete the housing counseling program.

A secondary market system "dominated by Fannie and Freddie in conservatorship is simply not desirable," Castro says.

The Transforming Valuations Award recognizes a technology advancement in the appraisal, broker price opinion or automated valuation sectors. Learn about this year's finalists and see who won the 2014 MT Award.

The Rural Housing Service has said it will stop accepting new mortgage applications for one week in an effort to clear through its huge backlog.

A new multifamily investment product will for the first time allow Freddie Mac to buy and guarantee bonds backed by multifamily loans that were originally underwritten by private entities.

Reverse mortgage lenders welcome new protections that will screen out seniors who don't have the capacity to meet their obligations to pay property taxes and hazard insurance.