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Volume 12 - Number 3

February 1, 2019

GSE Reform Outline Issued, Ginnie Mae the Big Winner

An outline for housing finance reform released late this week by Senate Banking Committee Chair Mike Crapo, R-ID, looks a lot like the last gasp reform proposal released in 2018 by Rep. Jeb Hensarling, R-TX, the now retired chair of the House Financial Services Committee. Among other things, the proposal puts Ginnie Mae firmly in control of the government guarantee business.

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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.