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      <title>Tight Underwriting Helps Drive DSCR Performance</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Debt service coverage ratios are moving close to 1.0 but performance remains strong due to tight underwriting of borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233655</guid>
      <pubDate>Fri, 07 Mar 2025 14:20:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233655-tight-underwriting-helps-drive-dscr-performance</link>
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    <item>
      <title>Industry Expects More Growth for HEIs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New ratings methodology and additional historical data on home equity investments should boost investor demand for the product in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233651</guid>
      <pubDate>Fri, 07 Mar 2025 14:18:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233651-industry-expects-record-growth-for-heis</link>
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      <title>Rithm’s Genesis Capital is an Early Leader for Rated RTL Deals</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Genesis Capital has issued more than $1 billion in rated residential transition loan securitizations since Morningstar DBRS started rating the securitizations in March.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/232359</guid>
      <pubDate>Fri, 11 Oct 2024 16:15:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232359-rithms-genesis-capital-become-early-leader-for-rated-rtl-deals</link>
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      <title>HEI Activity Flourishing With Credit Ratings</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Morningstar DBRS created rating criteria for securitizations of home equity investments in mid-2023. Since then, issuance has blossomed, and the sky’s the limit, according to industry participants.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/232107</guid>
      <pubDate>Fri, 13 Sep 2024 11:30:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232107-hei-activity-flourishing-with-credit-ratings</link>
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      <title>BPL Securitizations Seeing Dramatic Improvement in Execution</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The housing environment and new rating methodology have led to an improving securitization market for business purpose loans.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/231361</guid>
      <pubDate>Fri, 21 Jun 2024 14:40:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231361-bpl-securitizations-seeing-dramatic-improvement-in-execution</link>
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      <title>Fitch Upgrades Slate of HEL Securitizations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Home price appreciation and increased borrower pay-downs led to upgrades for a handful of MBS backed by home equity loans.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/231227</guid>
      <pubDate>Fri, 07 Jun 2024 13:18:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231227-fitch-upgrades-slate-of-hel-securitizations</link>
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      <title>Rithm Issues Large Rated RTL Securitization</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Rithm Capital closed a $500.0 million MBS backed by rated residential transition loans through its Genesis Capital shelf. The deal is the second RTL securitization to receive a rating from Morningstar DBRS.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/230707</guid>
      <pubDate>Fri, 12 Apr 2024 16:17:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230707-rithm-closes-largest-rated-rtl-securitization</link>
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      <title>Modest Growth Expected for ECM, HEI Securitization</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Despite growing delinquencies, Morningstar DBRS has provided a stable outlook for the securitization markets involving non-QM loans and HEI agreements.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/230097</guid>
      <pubDate>Fri, 02 Feb 2024 14:52:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230097-dbrs-expects-modest-boost-for-non-qm-and-hei-securities-in-2024</link>
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      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Unison offers its first HEA securitization; NP rebrands; Finance of America launches new reverse-mortgage product; Sherman Bridge debuts investment-property lender marketplace; Arc Home appoints new president and future CEO; UWM expands DSCR eligibility requirements.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/229350</guid>
      <pubDate>Fri, 03 Nov 2023 15:18:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229350-news-briefs</link>
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      <title>Morgan Stanley Markets its First Expanded-Credit MBS</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The issuance, sized at $342.0 million, received preliminary AAA ratings from Fitch Ratings and Kroll Bond Rating Agency.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/229216</guid>
      <pubDate>Fri, 20 Oct 2023 14:48:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229216-morgan-stanley-markets-first-expanded-credit-mbs</link>
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      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Acra Lending updates guidelines; DBRS ready to rate securitizations of residential transition loans; Moody’s reaffirms ratings for Redwood Trust; MISMO updates implementation guide for home equity eNotes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228845</guid>
      <pubDate>Fri, 08 Sep 2023 14:47:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228845-news-briefs</link>
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      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Carrington introduces 40-year loan program; Moody’s upgrades NewRez’s expanded-credit business; DBRS Morningstar updates home equity asset class ratings methodology.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228478</guid>
      <pubDate>Fri, 28 Jul 2023 13:07:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228478-news-briefs</link>
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      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New non-QM MBS; Figure gains new private label partners; CFPB weighs in on TILA case; Guaranteed Rate takes full ownership of relocation mortgage specialist; AG Mortgage Investment Trust bids on Western Asset Mortgage Capital; A&D improves second-loan pricing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228338</guid>
      <pubDate>Fri, 14 Jul 2023 14:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228338-news-briefs</link>
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    <item>
      <title>Change Lending Takes Holistic View of Borrowers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Change Mortgage’s unique approach to underwriting for underserved communities has earned the CDFI its first AAA-rated security.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228102</guid>
      <pubDate>Fri, 16 Jun 2023 10:57:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228102-change-lending-takes-holistic-view-of-borrowers</link>
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    <item>
      <title>New Calls for Standardization in Non-QM Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Renewed calls for standardization come with potential challenges unique to the non-QM sector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228101</guid>
      <pubDate>Fri, 16 Jun 2023 10:53:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228101-new-calls-for-standardization-enter-the-non-qm-market</link>
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    <item>
      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Roc360 acquires BPL assets from Civic Financial Services; new non-agency MBS; non-agency MBS performing well; UWM launches new jumbo products; fractional home-equity provider.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227983</guid>
      <pubDate>Fri, 02 Jun 2023 15:24:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227983-news-briefs</link>
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    <item>
      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Three new MBS hit the market; non-QM impairments declined in March; Impac Mortgage delisted from NYSE.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227731</guid>
      <pubDate>Fri, 05 May 2023 13:47:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227731-news-briefs</link>
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      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[CPFB revises methodology for APOR; Fitch downgrades PacWest’s CRT; LendingOne taps ex-Sprout vice president for TPO business; DBRS adds new due diligence provider to “acceptable” list.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227602</guid>
      <pubDate>Fri, 21 Apr 2023 16:04:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227602-news-briefs</link>
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    <item>
      <title>Figure Scores AAA Rating with HELOC Securitization</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A new HELOC securitization from Figure Lending received preliminary AAA ratings, a first for the issuer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227455</guid>
      <pubDate>Fri, 07 Apr 2023 11:16:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227455-figure-scores-first-aaa-securitization</link>
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      <title>MISMO Offers Standards for Non-Agency MBS Data</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MISMO is working to update data fields established by the American Securitization Forum in 2009 for use in the non-agency MBS market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227201</guid>
      <pubDate>Fri, 10 Mar 2023 14:52:33 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227201-mismo-offers-standards-for-non-agency-mbs-data</link>
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      <title>Views Differ on Hurricane Ian Risks to New MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Bayview Asset Management and Verus Mortgage Capital separately started marketing non-agency MBS in the days after Hurricane Ian made landfall. Rating services that assessed the deals differed in their focus on potential damage from the hurricane.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/225939</guid>
      <pubDate>Fri, 14 Oct 2022 11:58:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225939-views-differ-on-hurricane-ian-risks-to-new-mbs</link>
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      <title>News Briefs </title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Non-agency MBS issuance nearly frozen; Redwood raises funds with debt sale; DBRS accepts more firms for due diligence.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224867</guid>
      <pubDate>Fri, 10 Jun 2022 09:00:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224867-news-briefs</link>
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      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fitch’s review of 225 non-agency MBS prompts downgrade of a single tranche; Unison issues securitization with residential equity agreements; Carrington offers to complete certain non-QM origination tasks for brokers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223838</guid>
      <pubDate>Fri, 18 Feb 2022 16:00:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223838-news-briefs</link>
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      <title>A New Risk-Sharing Deal Involving Non-QMs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgages in the transaction were acquired by Western Alliance Bank on a correspondent basis and will remain on its balance sheet. Risk-sharing deals in the non-agency market are rare and largely involve megabanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223420</guid>
      <pubDate>Fri, 07 Jan 2022 11:12:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223420-western-alliance-bank-completes-risk-sharing-deal-involving-non-qms</link>
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      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[New Residential set to issue single-family rental securitization; DBRS accepts Phoenix Collateral Advisors as due-diligence provider.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223455</guid>
      <pubDate>Fri, 07 Jan 2022 11:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223455-news-briefs</link>
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      <title>KBRA Raises Concerns About MBS Due Diligence Practices</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Issuers of prime non-agency MBS are increasingly removing loans subject to third-party due diligence reviews from the final MBS pools. Kroll Bond Rating Agency said the practice is a slippery slope.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223260</guid>
      <pubDate>Fri, 17 Dec 2021 12:10:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223260-kbra-raises-concerns-about-non-agency-mbs-issuers-practices</link>
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    <item>
      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[CoreVest issued a securitization involving bridge loans for residential properties; a prime non-agency MBS issued by JPMorgan Chase in 2018 is on watch for a downgrade.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222530</guid>
      <pubDate>Fri, 24 Sep 2021 09:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222530-news-briefs</link>
    </item>
    <item>
      <title>Dataset for Non-Agency MBS Could Finally Get Updated</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MISMO and SFA are leading separate efforts to update and modernize the dataset used by various non-agency MBS participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222377</guid>
      <pubDate>Fri, 10 Sep 2021 14:40:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222377-dueling-efforts-to-update-dataset-for-non-agency-mbs</link>
    </item>
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      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Non-agency forbearance increases; personnel moves at Deephaven, Wells Fargo and Quontic; new non-agency MBS; a jumbo mortgage symposium; PCMA loosens standards for jumbo product.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220653</guid>
      <pubDate>Fri, 26 Feb 2021 10:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220653-news-briefs</link>
    </item>
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      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Citadel rebrands as Acra Lending; minimal non-agency MBS downgrades following review by Fitch; non-QM impairments decline; non-agency forbearance down slightly.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220264</guid>
      <pubDate>Fri, 15 Jan 2021 10:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220264-news-briefs</link>
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