Description+goes+here https://www.insidemortgagefinance.com/rss en-us azimmardi@imfpubs.com Rising interest rates are constraining originations of traditional mortgages and leading to a higher share for the expanded-credit market. http://www.insidemortgagefinance.com/articles/238889 Fri, 23 Oct 2026 14:05:23 -0400 https://www.insidemortgagefinance.com/articles/238889-high-rates-push-lending-activity-to-expanded-credit-market azimmardi@imfpubs.com Non-QM wholesaler Cake Mortgage is posting record production this year, and plans to keep the momentum going by entering a new lending channel. http://www.insidemortgagefinance.com/articles/238834 Fri, 23 Oct 2026 14:03:25 -0400 https://www.insidemortgagefinance.com/articles/238834-cake-mortgage-sees-record-breaking-volume-plans-to-launch-correspondent-channel azimmardi@imfpubs.com The goal should be to bring non-qualified mortgages into the same digital workflows as the rest of the mortgage business, rather than into a separate process, according to industry stakeholders. http://www.insidemortgagefinance.com/articles/238709 Fri, 09 Oct 2026 13:34:54 -0400 https://www.insidemortgagefinance.com/articles/238709-rapid-non-qm-product-expansion-leads-to-stress-in-tech-development azimmardi@imfpubs.com Total impairments for securitized non-qualified mortgages rose by 14 basis points from July to August. http://www.insidemortgagefinance.com/articles/238738 Fri, 09 Oct 2026 13:29:03 -0400 https://www.insidemortgagefinance.com/articles/238738-non-qm-performance-worsens-in-august azimmardi@imfpubs.com During a LoanNEX webinar, speakers discussed how increasing interest rates allow the non-agency market to step in, with investors driving demand. http://www.insidemortgagefinance.com/articles/238641 Fri, 25 Sep 2026 13:42:21 -0400 https://www.insidemortgagefinance.com/articles/238641-investors-drive-demand-in-non-agency-market-as-rates-increase azimmardi@imfpubs.com Non-qualified mortgage cash-out refinances perform more than three times worse compared to agency cash-outs, according to a new analysis. http://www.insidemortgagefinance.com/articles/238639 Fri, 25 Sep 2026 13:40:26 -0400 https://www.insidemortgagefinance.com/articles/238639-non-qm-cash-out-dqs-much-higher-compared-to-agency-cash-outs azimmardi@imfpubs.com Carrington Mortgage Services said one of the changes included lowering the eligibility threshold for an alternative-documentation borrower to a FICO score of 550. http://www.insidemortgagefinance.com/articles/238448 Fri, 11 Sep 2026 15:41:38 -0400 https://www.insidemortgagefinance.com/articles/238448-investing-in-growth-carrington-expands-non-qm-guidelines azimmardi@imfpubs.com Mbanc started a private client lending platform to fill an overlooked part of the non-QM market. http://www.insidemortgagefinance.com/articles/238427 Fri, 11 Sep 2026 12:45:41 -0400 https://www.insidemortgagefinance.com/articles/238427-non-qm-lender-launches-private-client-lending-platform jdohnert@imfpubs.com The number of self-employed workers is rising, helping boost originations of bank statement and investor loans. http://www.insidemortgagefinance.com/articles/238514 Fri, 11 Sep 2026 12:44:46 -0400 https://www.insidemortgagefinance.com/articles/238514-self-employed-workers-helping-drive-non-qm-production bivey@imfpubs.com Many expanded-credit MBS are performing better than Fitch Ratings’ initial expectations. The rating service also completed a review of ratings on jumbo MBS, resulting in more limited upgrade activity. http://www.insidemortgagefinance.com/articles/238515 Fri, 11 Sep 2026 12:42:48 -0400 https://www.insidemortgagefinance.com/articles/238515-expanded-credit-mbs-see-upgrades-from-fitch jdohnert@imfpubs.com A growing non-QM MBS sector might be hamstrung by a lack of uniform underwriting and a variety of smaller originators. http://www.insidemortgagefinance.com/articles/238507 Fri, 11 Sep 2026 12:40:50 -0400 https://www.insidemortgagefinance.com/articles/238507-fragmented-originator-base-causes-challenges-for-non-qm-investors azimmardi@imfpubs.com With stricter condo lending requirements at the government-sponsored enterprises, more projects may be considered non-warrantable, pushing more business to the non-agency side of the market. http://www.insidemortgagefinance.com/articles/238398 Fri, 28 Aug 2026 14:59:36 -0400 https://www.insidemortgagefinance.com/articles/238398-gse-condo-changes-could-shift-more-business-to-non-qm-space azimmardi@imfpubs.com Redwood Trust posted another quarter of losses in the second quarter tied to its efforts to wind down legacy assets, including multifamily bridge loans investments. http://www.insidemortgagefinance.com/articles/238137 Fri, 31 Jul 2026 14:08:46 -0400 https://www.insidemortgagefinance.com/articles/238137-redwood-posts-loss-in-q2-aspires-lock-volume-grows 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