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Volume 18 - Number 2

January 19, 2018

Housing-Finance Reform Should Address Servicing Issues

Issues related to mortgage servicing, including the rising costs to service mortgages today, should be included in talk of housing-finance reform, according to a new paper by the Urban Institute. Since the housing downturn, mortgage servicing costs have risen dramatically, which has reduced access to credit and forced some depository institutions to leave the market. The UI said that the foreclosure crisis in 2007 upended the pre-crisis servicing model. And despite its importance, the report said, mortgage servicing is frequently overlooked in major policy conversations. ďThat is a mistake. The servicing industry has changed dramatically since the 2008 mortgage default and foreclosure crisis and subsequent Great Recession,Ē said the paper.

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It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.