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Volume 14 - Number 11

May 30, 2014

Fitch: FHFA’s Eased Standards For Putbacks a Plus for Lenders

Mortgage lenders will benefit from a reduced risk of loan repurchase owing to the easing of borrower performance standards mandated earlier this month by the Federal Housing Finance Agency, according to a report from Fitch Ratings. Fannie Mae and Freddie Mac, at the direction of their conservator, announced a narrow adjustment in how loans with minor payment problems can still qualify for buyback relief if they are current 36 months after origination. The new framework also provides buyback protection for mortgages that come clean in the GSEs’ quality control checks and an alternative to automatic repurchase of loans when private mortgage insurance is canceled.

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