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Volume 14 - Number 4

February 21, 2014

Enterprise Endnotes

Fed: G-Fee Hikes Would Have Minimal Impact on Agency Originations. Increases to guaranty fees under consideration by the Federal Housing Finance Agency would directly reduce the dollar volume of new agency originations by less than 1.0 percent, according to new research published by the Federal Reserve. In December, then-FHFA Acting Director Edward DeMarco announced a plan to increase the base g-fee for all new Fannie Mae and Freddie Mac mortgages by 10 basis points, update the up-front g-fee grid and eliminate the upfront 25 basis point adverse market fee that has been assessed on all mortgages purchased by Fannie and Freddie since 2008.

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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.

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