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Inside Mortgage Finance

September 26, 2019

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QM ‘Patch’ Debate Extends to Underwriting Systems

In addition to making a decision on how DTI ratios should factor into determining QM status, the CFPB is being asked to endorse an automated underwriting system for the same. Read More

3Q19 Not Looking Good for Bulk MSR Sales. Plenty of Buyers Though

Bulk mortgage servicing sales have been slow in the third quarter, but that doesn’t mean bidders have been hibernating. If rates rise just a little bit and stay there, auctions of MSRs could boom. Read More

FHFA Chief Keeps a Close Eye on G-Fees, More

The FHFA is doing its best to make certain the expansionist tendencies of Fannie and Freddie are held in check. Also, a crackdown on g-fee “deals.” Read More

CFPB Says Its Structure Is Unconstitutional

In another about-face, the Consumer Financial Protection Bureau now agrees that its single-director leadership structure is unconstitutional. Read More

Servicing Tied to MBS Up in 2Q19; Bank Portfolio Grows

Banks and thrifts reported substantial growth in their retained home mortgages, including a surge in ARM holdings. Freddie was the fastest-growing MBS market. Read More

Rising Home Prices Boost Home Equity Levels

Homeowner equity hit an all-time high in the first half of 2019, thanks to rising real estate values, according to a recent report from CoreLogic. Read More

Will Mortgage-Related House Bills Muster Senate Support?

The House of Representatives last week passed a number of mortgage-related bills. But the question remains: will they pass the Senate? Read More

Mortgage Grapevine: REITs Await an FHLB Ticket?

Might REITs regain access to the FHLB system after all? It’s hard to predict but Redwood Trust and others remain hopeful thanks to the recent Treasury blueprint on GSE reform. Read More

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