Description+goes+here https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com Some debt service coverage ratio loan borrowers are deliberately going delinquent while they renovate a property to improve its long-term rental performance. http://www.insidemortgagefinance.com/articles/237876 Thu, 02 Jul 2026 11:43:24 -0400 https://www.insidemortgagefinance.com/articles/237876-bpl-sector-challenged-by-short-term-dqs jdohnert@imfpubs.com Poor quality appraisals and weak due diligence controls are leading to growing concern about appraisal values for non-QMs. http://www.insidemortgagefinance.com/articles/237789 Thu, 18 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237789-non-qm-originators-raise-concern-on-appraisal-values jdohnert@imfpubs.com More extensive rehab projects and growing investor demand have pushed some lenders to consider getting more lenient with some standards for residential transition loans. http://www.insidemortgagefinance.com/articles/237667 Fri, 05 Jun 2026 13:02:00 -0400 https://www.insidemortgagefinance.com/articles/237667-lenders-consider-expanding-credit-box-for-rtls jdohnert@imfpubs.com An evolving regulatory environment under the Trump administration has created new interest in mortgages backed by cryptocurrency like Bitcoin and Ethereum. http://www.insidemortgagefinance.com/articles/235225 Fri, 05 Sep 2025 12:18:18 -0400 https://www.insidemortgagefinance.com/articles/235225-non-qm-lenders-see-renewed-interest-in-crypto-mortgages bivey@imfpubs.com Delinquencies and loan modifications on securitized non-QMs resumed increasing in May. Issuance from 2023 is performing worse than prior vintages while deals from 2024 have benefited from improved underwriting. http://www.insidemortgagefinance.com/articles/234776 Fri, 11 Jul 2025 14:03:00 -0400 https://www.insidemortgagefinance.com/articles/234776-mixed-trends-in-performance-of-expanded-credit-mbs bivey@imfpubs.com A cornucopia of non-agency MBS hit the market in early July. http://www.insidemortgagefinance.com/articles/234770 Fri, 11 Jul 2025 14:01:00 -0400 https://www.insidemortgagefinance.com/articles/234770-variety-of-non-agency-mbs-on-offer-early-in-3q bivey@imfpubs.com Retail lending among lenders in the analysis declined sharply during the first quarter while the correspondent and broker channels posted more modest declines in nonconforming production. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234673 Fri, 27 Jun 2025 13:45:38 -0400 https://www.insidemortgagefinance.com/articles/234673-retail-channel-loses-share-in-nonconforming-market bivey@imfpubs.com Impairment rate on securitized non-QMs rises in May; Rocket offering bridge loans; architecture firm to acquire non-QM lender; Chimera unit aggregating HEIs for securitization. http://www.insidemortgagefinance.com/articles/234679 Fri, 27 Jun 2025 13:37:50 -0400 https://www.insidemortgagefinance.com/articles/234679-news-briefs bivey@imfpubs.com Federal agencies have used the higher-priced mortgage designation as a proxy for subprime lending. Strategies vary among the biggest originators of higher-priced mortgages, including focusing on loans for manufactured homes or expanded-credit mortgages. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234291 Fri, 16 May 2025 15:06:51 -0400 https://www.insidemortgagefinance.com/articles/234291-higher-priced-lending-increases-slightly-in-2024 bivey@imfpubs.com Annaly started marketing an expanded-credit MBS last month just as President Trump announced new tariffs. The deal went through at a spread that likely wouldn’t have been achievable as recently as three years ago. http://www.insidemortgagefinance.com/articles/234175 Fri, 02 May 2025 13:07:29 -0400 https://www.insidemortgagefinance.com/articles/234175-annaly-seeing-resilient-demand-for-non-agency-mbs bivey@imfpubs.com Rithm is both a buyer and seller of non-agency mortgages. Wider spreads in recent months have helped generate strong returns from loan acquisitions. Meanwhile, RTL production through its Genesis unit slowed during the first quarter. http://www.insidemortgagefinance.com/articles/234176 Fri, 02 May 2025 13:04:30 -0400 https://www.insidemortgagefinance.com/articles/234176-rithms-investment-portfolio-recovers-in-first-quarter bivey@imfpubs.com Impairment rate on non-QMs declines; new issuers of home equity loan securitizations; bank offers new jumbo ARMs via wholesale channel; proprietary reverse-mortgage product from Liberty Reverse Mortgage. http://www.insidemortgagefinance.com/articles/234173 Fri, 02 May 2025 13:02:34 -0400 https://www.insidemortgagefinance.com/articles/234173-news-briefs bivey@imfpubs.com Proponents of the non-agency market see GSE reform as an opportunity to take steps to increase the non-agency share of activity in the secondary market. The Trump administration’s plans for the secondary market remain unclear. http://www.insidemortgagefinance.com/articles/234043 Fri, 18 Apr 2025 14:06:00 -0400 https://www.insidemortgagefinance.com/articles/234043-non-agency-boost-an-option-with-gse-reform bivey@imfpubs.com Carrington is expanding its guidelines and offering competitive pricing for non-QMs in the correspondent channel, aiming to gain market share. The company also works to help correspondent sellers mitigate risks on non-QM sales. http://www.insidemortgagefinance.com/articles/234045 Fri, 18 Apr 2025 14:03:00 -0400 https://www.insidemortgagefinance.com/articles/234045-carrington-goes-non-qm-only-for-correspondent-channel bivey@imfpubs.com Castlelake plans to invest in up to $2 billion of newly originated residential mortgages sourced from Invictus Capital Partners. http://www.insidemortgagefinance.com/articles/234046 Fri, 18 Apr 2025 14:02:00 -0400 https://www.insidemortgagefinance.com/articles/234046-invictus-to-sell-non-agency-whole-loans-to-castlelake bivey@imfpubs.com Beeline Financial started operations in 2020 and has yet to turn a profit. The company is now publicly traded thanks to a transaction involving a distillery, with plans to boost non-QM lending by leaning on technology. http://www.insidemortgagefinance.com/articles/234047 Fri, 18 Apr 2025 14:01:00 -0400 https://www.insidemortgagefinance.com/articles/234047-non-qm-lender-working-to-dig-out-of-hole pmuolo@imfpubs.com Moody’s affirms assessments on Redwood; Deephaven loosens DSCR underwriting; Dan Perl update; ARDRI acquires expanded-credit lender; new proprietary reverse mortgages from Mutual of Omaha Mortgage. http://www.insidemortgagefinance.com/articles/234049 Fri, 18 Apr 2025 14:00:00 -0400 https://www.insidemortgagefinance.com/articles/234049-news-briefs jdohnert@imfpubs.com Brian O’Shaughnessy, the former co-CEO of Rama Capital Partners, launched ARDRI to provide a mix of the latest technology and customer-focused operations for non-QM mortgage brokers. http://www.insidemortgagefinance.com/articles/233926 Fri, 04 Apr 2025 14:36:37 -0400 https://www.insidemortgagefinance.com/articles/233926-ardri-is-the-latest-lender-to-enter-wholesale-non-qm-lending jdohnert@imfpubs.com A change in FHA lending requirements could lead to more non-permanent residents using non-QM options. http://www.insidemortgagefinance.com/articles/233928 Fri, 04 Apr 2025 14:33:38 -0400 https://www.insidemortgagefinance.com/articles/233928-non-agency-loans-becomes-only-option-for-non-permanent-residents jdohnert@imfpubs.com Toorak Connect is an underwriting platform that uses artificial intelligence and machine learning to score loans based on risk. It has been used to underwrite more than $5 billion in business-purpose loans since its launch in 2022. http://www.insidemortgagefinance.com/articles/233929 Fri, 04 Apr 2025 14:31:43 -0400 https://www.insidemortgagefinance.com/articles/233929-toorak-leverages-ai-for-bpl-originations jdohnert@imfpubs.com The subservicing solution is designed to manage the unique challenges of servicing home equity lines of credit. http://www.insidemortgagefinance.com/articles/233930 Fri, 04 Apr 2025 14:30:44 -0400 https://www.insidemortgagefinance.com/articles/233930-bsi-financial-services-launches-new-servicing-tool-for-helocs jdohnert@imfpubs.com The company recently received pre-seed funding to launch a stablecoin, $USH, that will be pegged to its portfolio of home equity investments. http://www.insidemortgagefinance.com/articles/233927 Fri, 04 Apr 2025 14:29:48 -0400 https://www.insidemortgagefinance.com/articles/233927-manifest-eyes-tokenization-for-heis jdohnert@imfpubs.com Brookfield to acquire majority stake in Angel Oak; Dominion Financial launches AI chatbots; Carrington Mortgage’s correspondent channel goes fully non-QM; Sachem Capital takes loss in 2024. http://www.insidemortgagefinance.com/articles/233932 Fri, 04 Apr 2025 14:28:49 -0400 https://www.insidemortgagefinance.com/articles/233932-news-briefs jdohnert@imfpubs.com Loan originators are looking to bank statement and DSCR loans to boost production in a higher-for-longer interest rate environment, according to Tom Hutchens, president of Angel Oak Mortgage Solutions. http://www.insidemortgagefinance.com/articles/233785 Fri, 21 Mar 2025 15:12:07 -0400 https://www.insidemortgagefinance.com/articles/233785-originators-turn-to-non-qms-ahead-of-economic-uncertainty jdohnert@imfpubs.com Fix-and-flip operators saw increased competition in some areas in the fourth quarter, but are optimistic for growth in 2025. http://www.insidemortgagefinance.com/articles/233788 Fri, 21 Mar 2025 15:08:13 -0400 https://www.insidemortgagefinance.com/articles/233788-rising-competition-in-some-regions-challenge-fix-and-flippers jdohnert@imfpubs.com Santander Bank joins non-QM MBS issuer ranks; Annaly starts securitizing HELOCs; AFR improves pricing on non-owner-occupied loans; A&D Mortgage launches AUS platform for non-QM loans. http://www.insidemortgagefinance.com/articles/233793 Fri, 21 Mar 2025 15:06:17 -0400 https://www.insidemortgagefinance.com/articles/233793-news-briefs jdohnert@imfpubs.com Insurance companies are using whole-loan purchases to better define the credit box for originations. http://www.insidemortgagefinance.com/articles/233653 Fri, 07 Mar 2025 14:22:32 -0500 https://www.insidemortgagefinance.com/articles/233653-insurers-driving-non-agency-whole-loan-demand jdohnert@imfpubs.com The total amount of nonprime servicing handled by a group of 20 specialists rose 2.2% from the end of the third quarter to the end of 2024. (Includes data table.) http://www.insidemortgagefinance.com/articles/233661 Fri, 07 Mar 2025 14:21:33 -0500 https://www.insidemortgagefinance.com/articles/233661-nonprime-servicing-volume-grows-in-4q jdohnert@imfpubs.com Debt service coverage ratios are moving close to 1.0 but performance remains strong due to tight underwriting of borrowers. http://www.insidemortgagefinance.com/articles/233655 Fri, 07 Mar 2025 14:20:35 -0500 https://www.insidemortgagefinance.com/articles/233655-tight-underwriting-helps-drive-dscr-performance jdohnert@imfpubs.com Increased securitization issuance in the fourth quarter helped fuel profits for Ellington Financial. http://www.insidemortgagefinance.com/articles/233650 Fri, 07 Mar 2025 14:19:34 -0500 https://www.insidemortgagefinance.com/articles/233650-non-agency-deals-help-boost-ellington-financial-in-4q