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Volume 2014 - Number 1

January 3, 2014

News Briefs

Fitch Ratings recently released new loan-loss model criteria for jumbo mortgage-backed securities. The rating service said the new loss criteria could result in higher credit enhancement requirements for new jumbo MBS. The new criteria assign a penalty to loans sourced through non-retail channels. The rating service will now include a borrower’s liquid reserves as a variable in its loss modeling. Fitch will apply a 25 percent haircut to the reported reserve amount based on the volatility ... [Includes five briefs]

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With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.


Yes, by a lot.


Yes and, heck, we may even do non-QM lending.


No, not at all.


No and we may even tighten credit.