This report looks at the retail, broker, and correspondent originations optionsand the mini correspondent hybrid that has cropped up as a result of the Consumer Financial Protection Bureaus regulationsproviding an overview of the current state of each as well as its pros and cons. Most importantly, the report delves into the channel usage of some 1,700 lenders, reporting on the volume of originations they sourced from each channel in 2013 for delivery to Fannie Mae, Freddie Mac or Ginnie Mae, the predominant outlets for mortgage originations in recent years.
This report, filled with analysis and including six detailed data charts, examines origination trends for non-agency jumbo mortgages, the current state of the securities market for these loans, and the particulars of the conduits that are bridging the two.
Inside Mortgage Finance looks at all aspects of the process to apply to sell mortgages to Fannie and Freddie, become an FHA-approved lender and participate in Ginnies MBS programs.
In the fifth edition of Inside Mortgage Finances Guide to Mortgage Buyback Strategies, youll find insight and tips to help you guard against and respond to the current blend of repurchase requests.
The HARP 2.0 program, with its captured audience, is boosting mortgage bankers profits, and smaller firms, CUs and banks are preparing to get in on the action. However, there are challenges and hidden surprises awaiting as you think about going into this program and after youre up and running. This report offers the nuts and bolts of HARP, what lenders need to consider, as well as whats working for those whove already jumped in. (June 2012)
This report profiles a number of jumbo lenders holding portfolio loans as well as those involved with non-agency securitization. Youll find major players profiled, including real estate investment trusts, rating services and lenders. The markets concerns about impending regulations are examined. Find opportunities and profits with data charts and market intelligence on the business of major players as well as others that are active in the market now. (May 2012)
Although the $25 billion foreclosure settlement applies to only five servicers, government regulators, by their own admission, will be looking to apply some of the same restrictions and guidelines to a much larger group of servicers. Inside Mortgage Finance breaks down the settlement requirements in the easy-to-understand Guide to the Foreclosure Settlement: A Model for National Standards. This special report covers all aspects of the agreement and includes analysis from those directly involved in the negotiation. (May 2012)
This guide to reverse mortgages comes at a time when the two top HECM lenders have announced they are getting out of that business. (Sept 2011)
Prepare for Big Changes in Mortgage Servicing Practices Major concerns with mortgage servicing were raised after servicers, struggling to keep up with the tidal wave of loan defaults, were accused of having inadequate processes in place. Attention has shifted to massive reforms in servicing, coming at the industry from many regulators. (June 2011)
The Federal Reserve Boards rules on loan originator compensation and the pay restrictions in the Dodd-Frank Act will represent a sea change in the way loan officers and mortgage brokers are paid for their services. Find out everything you need to know about the rules on loan originator compensation in this guide from Inside Mortgage Finance. (May 2011)
At 849 pages, the Dodd-Frank Act requires federal regulators to create 243 rules, conduct 67 studies, and issue 22 periodic reports, according to the law firm of Davis Polk. About 100 of the rules will impact the mortgage industry. (March 2011)
Understand the Legal Problems, Potential Threats and Outlook Procedural errors by servicers have revealed problems big enough to undermine the countrys mortgage finance system. It started with allegations of robo-signing, where individuals signed thousands of foreclosure documents without properly reviewing the necessary paperwork. (Dec. 2010)
Your Guide to Getting Short Sales Done. Short sales have rapidly gained popularity among servicers and distressed borrowers as a preferred alternative to foreclosure. And the Home Affordable Foreclosure Alternatives component of HAMP is expected to result in a substantial increase in short sales. (June 2010)
A strategic report that gives you a comprehensive look at the loss mitigation developments and trends in a turbulent mortgage market. (2010)
A 120-page authoritative history and analysis of the subprime mortgage market, with exclusive data from Inside Mortgage Finance and Inside Nonconforming Markets. (2009)
Find out what strategies are being employed by states and lenders. Learn what's new in legislation and enforcement, and what you can do to combat mortgage fraud. (2009)
This exclusive report from Inside Mortgage Finance will help you guide your business through these difficult times as you work to manage your exposure. (2008)
Whether implementing a new loan origination system (LOS), or updating an existing process, the decision to change origination technology is one of the riskiest undertakings for a company. LOS 2007, from the editors of Inside Mortgage Technology, will ensure you have the information you need to make educated business decisions.
- Top Mortgage Players: 4Q13
- GSE Repurchase Activity Full Year 2013
- GSE Seller Profile: 4Q13
- GSE Private Mortgage Insurance Profile
- Mortgage Profitability Report: 3Q13
- GSE Market Profile: FY12
What do you think is the biggest hurdle to meeting the new QM standards in the CFPBs ability-to-repay rule?
- A debt-to-income (DTI) cap of 43%.
- A 3% cap on points and fees.
- An interest rate cap of the average prime offered rate (APOR) plus 1.5%.
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