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Volume 2018 - Number 3

January 18, 2018

Lenders Face a Plethora of Changes in Tax Law, Including Revised Treatment of Rate-Lock Commitments and Hedges

The recently enacted Tax Cuts and Jobs Act was pitched as a simplification of the tax code. And while the bill could ultimately reduce some tax-related complexities, lenders are facing sweeping changes this year.

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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.