Inside Mortgage Trends

Focus on FHA Lending Positions Lend America to Profit Amid Turmoil

As the market’s aversion to risk approaches phobic proportions and subprime financing disappears, Federal Housing Administration loans are looking better to lenders, borrowers, and also politicians groping for a way to respond to the mortgage... Read More

Commercial Banks Do More Mortgage Volume In the Second Quarter, But Reap Less Income

Commercial banks reported a solid 20.8 percent increase in new originations through their mortgage banking operations during the second quarter, but net income from these units fell 26.7 percent.A new Inside Mortgage Profitability analysis of bank call reports reveals... Read More

Bankruptcy Rights Depend on How Transactions are Structured

As mounting bankruptcies pose an ongoing risk for financiers of mortgage companies, as well as those who purchase and service their loans, it is prudent to be familiar with the rights and remedies available to minimize losses, according to compliance... Read More

Billions in New Capital Needed to Stabilize Mortgage Market, Analysts Say

As mortgage lenders frantically search for ways to reduce their debts, some analysts estimate that it would take an enormous amount of permanent capital to bring mortgage pricing back to “normal” levels. The big question is... Read More

IRS Plan to Treat Mortgages as Capital Assets Could Threaten Lenders’ Financial Health

Mortgage companies would not be able to immediately deduct losses on mortgage sales if the Internal Revenue Service adopts a proposal to treat mortgage loans and other retained interests, such as “excess servicing fees,” as capital, rather than ordinary assets. The Mortgage Bankers Association warned tax officials at a recent IRS hearing that the proposal could be disastrous for lenders already in financial peril. Facing the prospect of huge losses as financial turmoil spreads beyond… Read More

Citi Buys Ameriquest as Other Plans For Sales and Mergers Falter

Citibank purchased former subprime titan Ameriquest at the end of August, as a number of subprime lender transactions and operations faltered. Revealing just how much Ameriquest has fallen in value, Citi only purchased the wholesale and servicing operations of... Read More

Struggling ResCap Gets Another Capital Infusion from GMAC

GMAC Commercial Finance has made another big infusion into its struggling Residential Capital home mortgage unit as it seeks to generate additional liquidity. GMAC pumped another $775 million into ResCap in late August to purchase all of the assets and... Read More

September 7, 2007

View Archived Issues

Focus on FHA Lending Positions Lend America to Profit Amid Turmoil

Commercial Banks Do More Mortgage Volume In the Second Quarter, But Reap Less Income

Bankruptcy Rights Depend on How Transactions are Structured

Billions in New Capital Needed to Stabilize Mortgage Market, Analysts Say

IRS Plan to Treat Mortgages as Capital Assets Could Threaten Lenders’ Financial Health

Citi Buys Ameriquest as Other Plans For Sales and Mergers Falter

Struggling ResCap Gets Another Capital Infusion from GMAC

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?