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Volume 14 - Number 23

November 14, 2014

MBA: FHFA Should Consider Other GSE Credit Score Models

The Mortgage Bankers Association is calling on the Federal Housing Finance Agency to direct Fannie Mae and Freddie Mac to review “and if appropriate” adopt new validated credit score models and allow for the use of alternative methods of scoring. In a letter last week to FHFA Director Mel Watt, the MBA said that, through this action, the Finance Agency could directly increase the number of borrowers eligible for conventional mortgages.

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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.