Inside Nonconforming Markets

Nontraditional Mortgage Securitization Down in ’07

The securitization of nontraditional mortgages faltered in the second half of 2007 as investor fears about subprime mortgages spread to other collateral. According the Inside Mortgage Finance MBS Database, the volume of...[Includes two charts and one graph] Read More

GSEs Poised to Increase Alt A MBS Purchases

Fannie Mae and Freddie Mac recently received approval to provide up to $200 billion of immediate liquidity to the mortgage-backed securities market. While most of the government-sponsored enterprises’ MBS purchases are expected to be agency... Read More

Accounting for Alt A Delinquencies Questioned

IndyMac is adjusting the way it reports delinquencies, characterizing the method used by most lenders as “relatively meaningless and misleading.” Meanwhile, some have questioned Wachovia’s loan-loss allowance for nonperforming assets as well as... Read More

California Claims Nearly Half of 2007 Alt A Lending

Nearly half of all Alt A mortgages originated in 2007 were written on properties in California, according to the Inside Mortgage Finance MBS Database. The slowdown in Alt A lending at the end of the year did little to diminish the... [Includes one chart] Read More

Investment Banks to Write Down Alt A Holdings

Writedowns previously associated with subprime mortgage-backed securities look to be spreading to Alt A collateral. UBS and Deutsche Bank each recently warned of massive Alt A writedowns to be included in their earnings for the first quarter of... Read More

Fed Targeting Stated-Income with HOEPA Revision

With comments due next week on the proposed revision of Home Ownership and Equity Protection Act regulations, a Federal Reserve official reiterated that some Alt A mortgages will fall under the new rule’s tough standards, and it’s not unintentional... Read More

Concerns Grow Regarding Reverse Mortgage Use

The Financial Industry Regulation Authority recently issued an investor alert to warn of the severe risks associated with reverse mortgages. FIRA, a non-governmental regulator of securities firms, said lenders are marketing reverse mortgages as easy, cost-free... Read More

April 4, 2008

View Archived Issues

Nontraditional Mortgage Securitization Down in ’07

GSEs Poised to Increase Alt A MBS Purchases

Accounting for Alt A Delinquencies Questioned

California Claims Nearly Half of 2007 Alt A Lending

Investment Banks to Write Down Alt A Holdings

Fed Targeting Stated-Income with HOEPA Revision

Concerns Grow Regarding Reverse Mortgage Use

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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?