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Tag Archives: Risk Retention
Home Ownership May Fall More Than Expected
Sometimes you hear one thing and don’t think much of it, and then you hear another thing that makes the first thing seem much more important. This morning the Mortgage Bankers Association put out a report from two UCLA researchers … Continue reading
Posted in Denver Real Estate News
Tagged Earnings Conference, Fannie Mae, Fannie Mae And Freddie Mac, Freddie Mac, Home Ownership, Homeownership Rate, Investor Market, Jamie Dimon, Jp Morgan, Jpm, Lucrative Business, Mba Study, Mortgage Bankers Association, Mortgage Business, Mortgage Lending, Mortgage Market, Percentage Points, Retention Rules, Risk Retention, Ucla Researchers
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Low-End Housing Sees Higher Losses
As I sit here, less than 24 hours from the next release of the much-followed monthly SP/Case Shiller Home Price Index, I’m confronted with all kinds of varying data and hypotheses on the future track of home prices. Particularly interesting … Continue reading
Posted in Denver Real Estate News
Tagged Alarming Numbers, Backlog, Borrowers, Brainer, Case Shiller Home Price Index, Debacle, Declines, Discrepancy, Face Value, Foreclosure Cases, Home Price Index, Hypotheses, Judicial Foreclosure, Mortgage Market, New York Fed, Retention Rules, Risk Retention, Subprime Mortgage, Tiers, Toronto Canada
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Distressed Property Sales Drop, Despite Push to Sell
The share of distressed sales in May, that is foreclosed properties and short sales (when the property is sold for less than the value of the loan), fell to 31 percent of all sales from 37 percent in April. Investors, … Continue reading
Posted in Denver Real Estate News
Tagged Distressed Properties, Distressed Property, Distressed Sales, Existing Home Sales, Fannie Mae, First Three Months, Government Sponsored Enterprises, Gse, Immense Responsibility, Mark Hanson, Market Analyst, Mortgage Loan Officers, Mortgage Market, Necessary Repairs, Reo Properties, Reo Property, Reo Sales, Residential Mortgage, Risk Retention, Sales Incentives
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Struggling to Make a House Call on Confidence
Today’s report on consumer confidence, or the striking lack of it, is yet another sign that housing is going to be in a very sticky state for a while. It’s hard to say whether housing is weighing on confidence or … Continue reading
Posted in Denver Real Estate News
Tagged Arc, Bad News, Consumer Confidence, Distressed Properties, Drawing Board, Flood, Historical Perspective, Home Builder, House Call, Lack Of Confidence, Market Regulators, Material Costs, Mortgage Market, National Numbers, Pending Home Sales Index, Prognosticators, Risk Retention, Sales Numbers, Sentiment, Uncertainty
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20 Percent Mortgage Down Payment Under Fire
To call it an uneasy alliance is too simple, but that’s exactly what the characters were going for when they called their morning press conference in downtown DC. The new president of the Mortgage Bankers Association, Dave Stevens, arrived carrying … Continue reading
Posted in Denver Real Estate News
Tagged Breast Pocket, Center For Responsible Lending, Consumer Advocates, Federal Housing Administration, Handelman, Income Borrowers, Ken Edwards, Mortgage Bankers Association, Mortgage Market, National Community Reinvestment Coalition, National Housing Conference, Pony Tail, Reform Legislation, Residential Mortgage, Retention Rules, Risk Retention, Societal Boundaries, Strange Bedfellows, Street Money, Uneasy Alliance
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Does Private Mortgage Insurance Have a Place in the New Mortgage Order?
It’s no surprise that the private mortgage insurance industry is fighting hard against proposed new risk retention rules for the mortgage industry. They are already trying to pick themselves up and dust themselves off from the near knockout punch the … Continue reading
Posted in Denver Real Estate News
Tagged Conservatorship, Current Market, Fannie Mae, Fannie Mae And Freddie Mac, Federal Housing Administration, Genworth, Genworth Financial, Government Mortgage, Kevin Schneider, Knockout Punch, Market Environment, Mortgage Industry, Mortgage Insurance Companies, Mortgage Insurer, Mortgage Insurers, New Mortgage, Private Mortgage Insurance, Residential Mortgage, Retention Rules, Risk Retention
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Foreclosure Fight Needs to Find Fast Answers
As federal regulators clamp down on foreclosure procedures at the big banks, and the government sets new lender requirements for risk retention in residential mortgages, the cry from the industry is that this will only hamper the housing recovery and … Continue reading
Posted in Denver Real Estate News
Tagged Borrowers, Capitol Hill, Consumer Advocates, Default Rates, Equity Requirements, Flank, Home Ownership, Inaccurate Assumptions, Inaccurate Conclusions, Meaningful Impact, Mortgage Bankers Association, Mortgage Interest Rates, Mortgage Principal, National Association Of Home Builders, Residential Mortgages, Responsible Consumers, Risk Retention, State Attorneys General, State Group, Tom Miller
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Big Banks Lose: Mortgage Risk Retention Doesn’t Expire
Yesterday morning I attended the FDIC’s background press briefing before the vote on proposed risk retention rules. While the rules covered a vast ground, I was of course most interested in those that focus on the “Qualified Residential Mortgage.” The … Continue reading
Posted in Denver Real Estate News
Tagged Balcony, Banking Industry, Biggest Banks, Borrowers, Debt To Income Ratio, Diana Olick, Fdic, Few Moments, Financial Ability, Mortgage Market, Private Investors, Qrm, Ratio Requirements, Residential Mortgage, Retention Rules, Risk Retention, Waiting Period, Wells Fargo, Wfc, Yesterday Morning
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Mortgage Reform Storm Is Brewing
When it rains, it pours, but we’re looking at a hail storm in housing finance this week, as government starts the business of taking itself out of the housing business. Tomorrow morning the FDIC will release and vote on proposed … Continue reading
Posted in Denver Real Estate News
Tagged 30 Year Fixed Rate Mortgages, Begging The Question, Business Tomorrow, Fannie Freddie, Fha Loans, Fixed Rate Mortgages, Hail Storm, Head Wind, Mf Global, Mortgage Insurers, Mortgage Market, Mortgage Reform, Mortgages Rates, Qrm, Residential Mortgage, Retention Rules, Risk Retention, Six Bills, Storm Is Brewing, Year Fixed Rate Mortgages
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