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Inside Mortgage Finance Publications
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Bethesda, MD 20814-7019
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Guy Cecala, ext. 314



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Paul Muolo, ext. 329



Senior Editor, Inside Nonconforming Markets
Brandon Ivey

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George Brooks, ext. 312

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Editor, Small Business Tax News

Thomas Ressler, ext. 321



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Charles Wisniowski, ext. 330

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Ben Bradshaw, ext. 316


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Poll

What is it going to take to convince lenders to loosen the credit box (i.e., remove underwriting overlays)?

The recent rep and warranty changes announced by the Federal Housing Finance Agency should go a long way in protecting lenders from future buybacks and help expand mortgage credit.
There won’t be any significant elimination of underwriting overlays until the government stops seeking huge mortgage-related penalties and settlements from lenders.
There shouldn’t be any expansion of the mortgage credit box since looser underwriting is what caused the recent mortgage crisis.

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