Qualified Mortgages

Lenders asking whether bank loans are safe are missing the point and should instead be more concerned with the standard they apply when underwriting them.

Upcoming look-backs of key Dodd-Frank provisions like the Qualified Mortgage rule are unlikely to result in new regulatory changes. But any effort to revisit already-implemented rules should give cause for concern, legal experts warn.

To successfully respond to the most pressing challenges facing the mortgage industry right now, lenders and servicers must navigate issues of competition, governance, affordability and margins.

In some housing markets, the right combination of wages, home prices and rental market conditions makes owning a home a virtual no-brainer. Here's a look at the top markets with the largest affordability spread between owning and renting.

The mortgage industry is failing communities of color by not providing adequate access to conventional loan products, calling into question the future of the housing market and the nation's ability to turn the tide of rising wealth inequality.

House Democrats made an unusual move this week to avoid offering amendments or engaging in debate over a massive financial reform bill. Here's why.

Many lenders are still reluctant to give mortgages to borrowers with less-than-pristine credit, yet such loans are far more likely than prime jumbo loans to be bundled into collateral bonds. Sreeni Prabhu of Angel Oak Capital credits banks' behavior and higher interest rates for that reality.

Angel Oak Capital's second securitization of nonprime residential mortgages brought its funding costs down significantly, helped by the addition of some new investors.

JPMorgan is taking a riskier route for its second jumbo mortgage loan securitization of 2016.

President Obama called for Fannie Mae and Freddie Mac to be eliminated, but Democratic policymakers attending the convention here appear resigned to the fact that Congress is unable to act on housing finance reform.

The Consumer Financial Protection Bureau's fifth anniversary marks an important shift for the agency in which it pivots from rules required by the Dodd-Frank Act to pursuing other areas.

Quontic Bank, a Community Development Financial Institution in New York, is offering a product reminiscent of crisis-era no-doc and low-doc loans. But does this "Lite Doc" loan carry the same risk?

Caliber Home Loans is marketing a residential mortgage-backed securitization mainly backed by nonprime loans, called COLT 2016-1 Mortgage Loan Trust.

The recent proposal is less about fixing fundamental flaws in our mortgage finance system and more about finding a broadly acceptable path to resolving the current impasse in mortgage finance reform.

W.J. Bradley Mortgage Capital shut its doors after it was stuck with nonagency loans with TILA/RESPA integrated disclosure issues that it couldn't sell.

QRM clarified the rules of the road for securitizations. Now, participants in the MBS world seeking better margins are looking beyond the safe harbor — to the subprime space.

Despite dire predictions by banks and others that new mortgage rules by the Consumer Financial Protection Bureau would cut off access to credit, the industry is performing well two years after the regulations went into effect, according to the agency's top official.