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Volume 18 - Number 16

August 8, 2014

House-Price Spikes Hurt First-Time Buyers

The first-time homebuyer share of purchase-money mortgages differs a great deal across the states, and house price growth may have something to do with it, according to a new study by the Federal Housing Finance Agency. FHFA researchers looked at first-time buyer activity from 1996 to 2013 and how it is affected by nationwide house-price trends. They found a symbiotic relationship that may or may not be beneficial to first-time homebuyers, depending on ...

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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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