Subscribe to Inside Mortgage Trends

This unique biweekly publication focuses exclusively on the dynamics of the mortgage market and improving your bottom line: earning profits in the mortgage business. Subscribers gain insight into operational efficiencies, emerging risks, management issues and other profit drivers. Features data and stories on key trends such as loan performance, housing markets, investors and the credit guarantors. Subscribers get actionable tips from executives and analysts to help steer their firms to greater profits. Inside Mortgage Trends (formerly Inside Mortgage Profitability) is published 25 times a year.

Domestic US Canada International
Email Delivery Only $825.00/year $825.00/year $825.00/year
Print Only $825.00/year $855.00/year $875.00/year
Email & Print Delivery $1,320.00/year $1,350.00/year $1,370.00/year

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.

vote to see results
Housing Pulse