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Inside Mortgage Trends

April 1, 2011

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Lender Captive MI Reinsurance Units Continued Shrinking in ‘10

Private mortgage insurers continued paying MI premiums to captive reinsurance entities sponsored by mortgage lenders in 2010, but the payment flow declined further in a business arrangement that is gradually winding down. A new Inside Mortgage Trends analysis of annual private MI regulatory filings reveals... [Includes one data chart and one graph] Read More

Freddie Shares Best Practices to Avoid Buybacks

A lender can dramatically increase its chances of averting a time-consuming and potentially expensive mortgage repurchase request from the government-sponsored enterprises if it takes the trouble to learn from the buyback errors of others and not repeat them, according to Freddie Mac. In an advisory it published March 23, Freddie has identified... Read More

Top Mortgage Website Keys to Success

The most successful mortgage lending websites seem to have at least two critical components in common: they are intensely focused on the needs of the borrower, and they perpetually adapt their technologies to stay that way. “The Bank of America Home Loans website is designed to provide borrowers with... Read More

Fraud Still Looming in Vulnerable Markets

A handful of new research reports indicate that mortgage fraud continued to spread in 2010, but it varies significantly according to geographic factors and may be less of a problem when loans are underwritten manually. Manual underwriting, not sterling credit score standards, is the best deterrent against... Read More

Tech Providers Scramble to Get LO Rule Right

The mortgage industry is still groping to adapt to the Federal Reserve’s controversial rule restricting loan originator compensation, which was poised to go into effect April 1 but held up temporarily late this week by a federal judge. After months of debate and numerous industry conferences on the subject, there are still many... Read More

Loan Review Key to Quality Production

Attending to the details throughout the loan production cycle is critical to improving quality and loan performance, according to officials at Titan Lenders Corp. “If you look at what you’re buying or servicing before taking it on, rather than after the fact, you won’t be surprised at the end when... Read More

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