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Volume 2014 - Number 9

April 25, 2014

Non-Agency Underwriting Standards Loosening

A number of lenders have loosened their underwriting standards on non-agency products in recent months in an effort to boost originations as demand for refinances plummets. One of the boldest moves was taken by TD Bank, which this week announced a portfolio loan that has a downpayment requirement as low as 3 percent. The loan is part of the lender’s Right Step mortgage program which features low downpayment loans without private mortgage insurance ...

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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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