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Volume 2014 - Number 4

February 14, 2014

Downloads Available: HAMP Activity by Non-Agency Servicers - 4Q13

Mods Set to Experience Payment Shock

Interest rates are set to increase for a significant number of borrowers that received loan modifications after the financial crisis. Incentive payments to borrowers and servicers will also end, which could prompt performance issues on outstanding loan mods. The majority of mortgages modified under the Home Affordable Modification Program include interest rate resets after five years, and some proprietary loan mods followed a similar model. A relative trickle of resets will occur in 2014, followed by a massive ...

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After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


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