Carisa Chappell

Recent Stories From this Author

Short Takes: Judging Risks and Rewards at Freddie / The Gift that Keeps on Giving: The Trump Tax Cut / Despite Some Losses, Mortgage Bankers Remain Liquid / An Earnings Decline at Radian / Leaving Wells Fargo for a Nonbank
October 31, 2018 Freddie Mac benefited to the tune of $200 million (pre-tax) by reducing the write-down on its net deferred tax asset...

Freddie’s Layton: GSE CRT Economics Sometimes Misunderstood
October 31, 2018 Freddie CEO Don Layton said the CRT deals are “amazingly efficient…”

Freddie’s Layton: CRTs Transforming Housing-Finance System
October 26, 2018 Freddie CEO Don Layton: Some 90 percent of the credit risk on multifamily mortgages is being transferred…

Fannie Sells Three VA Buildings as it Preps for Office Consolidation
October 17, 2018 The Fannie Mae Virginia properties were sold for roughly $130 million…

Short Takes: GSE Pilot Hearing Postponed / An Opportunity to Gather Intelligence? / Freddie's Qualification Tool for Self-Employed Borrowers / GSE Duty-to-Serve Updates / New Hires for ComplianceEase, Element Funding
October 14, 2018 The Senate Banking Committee's review of GSE pilot programs will have to wait...

Senate Hearing Scheduled to Focus on GSE Pilot Programs Oversight
October 5, 2018 It appears that the Senate is ready to tackle industry complaints about Fannie Mae and Freddie Mac pilot programs. The Senate...

Short Takes: FHFA Seeks Input on DTS Modifications/More Millennials Are Mortgage Ready/Fannie's Latest CIRT
October 5, 2018  This week the Federal Housing Finance Agency asked for input on Fannie Mae and Freddie Mac’s proposed Duty to Serve Plan...

MI Firms See No Problems Meeting New PMIER Goals
October 4, 2018 MI analysts agree that other than a few tweaks, the new PMIER requirements aren’t terribly different than the original proposal…

FHFA’s Examiner Program Under Fire for Lack of Results
October 3, 2018 During a House hearing, Rep. Ann Wagner, R-MO, criticized the FHFA for spending $7.7 million on what she called a “crucial...

GSE Shareholders Take Solace in Partial Win Against FHFA, Treasury
October 2, 2018 Investors Unite: “Lamberth’s ruling does not mean reimbursement checks are on the way…”


Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.