The Complete Guide to Mortgage Buyback Strategies 2013: Managing Increasing Requests 5th Edition -- PDF

Although the mortgage market meltdown began close to five years ago, disagreement over what should or shouldn’t trigger a buyback request remains high. The perceived threat of more requests, particularly from Fannie Mae and Freddie Mac, has led to overly conservative underwriting by lenders and yet, as of the end of the third quarter of 2012, the GSEs had $18.28 billion in pending and disputed buyback demands, up 9.3 percent from the previous quarter, according to numbers compiled by Inside Mortgage Finance.

With a new framework for representations and warranties, the Federal Housing Finance Agency moved to clarify lenders’ repurchase liability on deliveries to Fannie and Freddie made beginning Jan. 1, 2013. While the new framework may reduce uncertainty for loans made in the future, stepped up review of legacy loans and expanded use of federal claims law present new buyback risk potential.

In a new fifth edition of Inside Mortgage Finance’s Guide to Mortgage Buyback Strategies, you’ll find insight and tips to help you guard against and respond to the current blend of repurchase requests.

The all-new Fannie and Freddie section explains the intricacies of the new rep and warrant framework and revisions to the Home Affordable Refinance Program. You’ll learn how each of the GSEs reviews loans and how you should handle requests to repurchase. And you’ll understand new risks from Freddie’s expanded legacy loan review and the federal government’s novel use of the False Claims Act, which allows for triple damages and penalties.

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Other sections look at the buyback processes at the FHA and Ginnie Mae and the latest developments in the non-agency sector. The 80-page guide also includes new rankings and analysis of buyback data.

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With originations expected to drop in 2018, will your shop turn to non-QM/non-prime mortgage products as a way to bolster volumes?

Yes, definitely. We’re planning a launch.
No. It’s still difficult compliance/regulatory-wise.
Maybe. It’s under consideration.
Not now. But things could change as 2018 progresses.

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