Housing Wire

NOVEMBER 6, 2023

Policymakers and the mortgage industry must reckon with historical and present-day barriers that lock would-be homebuyers of color out of the market altogether,” according to the report published on Monday. In terms of adopters, government-sponsored enterprises (GSEs), large mortgage lenders and fintech firms have used AI.

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Housing Wire

APRIL 17, 2024

The Federal Housing Finance Agency (FHFA) this week announced a new product proposal for government-sponsored enterprise (GSE) Freddie Mac that would allow the agency to purchase certain single-family, closed-end second mortgages. This is specifically designed to benefit consumers during the high rate environment, the agency said. “In

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Miller Samuel

JULY 19, 2021

To all members of the Appraisal Institute: Before I start, I wanted to share what the Appraisal Institute's MAI designation is referred to by many of its members. The NNC is one of the good governance things that happens in Chicago. that MAI stands for: MORE ANNUAL INCOME. MADE AS INSTRUCTED. MORE AMORIN INFLUENCE.

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Housing Wire

MARCH 28, 2024

While the arms of the federal government aim to address certain housing policy challenges, different localities across the country are also working to address them in their own backyards. Even in California and Oregon, whose governments are both dominated by Democrats, Republican votes have helped pass housing bills.”

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Housing Wire

SEPTEMBER 29, 2022

MAXEX , a major mortgage trading and aggregating platform, has unveiled a series of new programs designed to serve originators and loan buyers in the growing non-QM lending market. That has left “originators scrambling for liquidity in this growing market segment,” MAXEX’s announcement of the new non-QM initiative states.

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Housing Wire

JANUARY 5, 2023

residential mortgage-backed securities (RMBS) market continues to look bleak for 2023. Major factors that will shape the RMBS market include a dramatic reduction in origination volume and mortgage lenders exiting the business , according to a report from DBRS Morningstar on the outlook of the industry. .

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Housing Wire

OCTOBER 2, 2023

Amid fiercer competition in a shrinking mortgage market , other lenders may follow suit in the coming days or weeks, as in previous years. Rocket’s move shows that the mortgage lender is confident the maximum loan limit set by the federal government will rise by at least 3.3% Rocket announced on Sept.

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Housing Wire

FEBRUARY 2, 2024

Senate in the hope of establishing a new grant program that would fund local government efforts to develop and implement housing policy plans. This legislation will give state and local governments critical resources to improve affordability and expand access to quality housing where it’s needed the most.” Amy Klobuchar (Minn.)

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Housing Wire

FEBRUARY 5, 2024

These shifting dynamics are causing the California state government to work to ensure that certain issues that can stem from such a demographic development — particularly for health care, housing and social services — are addressed in a comprehensive statewide initiative called the “Master Plan for Aging.”

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Housing Wire

APRIL 25, 2024

HUD also published guides designed to assist with mobility improvements and decarbonization of existing transportation systems. The department said it aims to alert communities about important elements of post-disaster resilience that research has shown are often overlooked or less understood in the immediate wake of a disaster.

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Housing Wire

MAY 20, 2024

FDIC), including as a representative on the deputies committee of the FSOC, where he helped to build its nonbank designation program. One thing was interesting to see in a report like this: they must have mentioned four or five times that the federal government has little authority or ability to intervene here.

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Housing Wire

JUNE 1, 2023

Six federal agencies have requested comment from the public on a newly-proposed rule that is designed to “ensure the credibility and integrity of models used in real estate valuations.” And the design and development of the models and algorithms can reflect the biases and blind spots of the developers.”

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Housing Wire

MARCH 28, 2024

Modern manufactured homes are an unusual feature of today’s housing market, the rare homeownership opportunity that is both lower-cost and high-quality. Much of this market dysfunction is also attributable to a lack of lenders. The home-only lending market presents several major opportunities. Yet help might be on the way.

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Housing Wire

JULY 14, 2023

The National Association of Mortgage Brokers (NAMB) announced this week that it supports new federal regulatory proposals governing the use of automated valuation models (AVMs) in determining property values for mortgage originators and secondary market issuers.

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Housing Wire

MARCH 1, 2023

Change in uninsured losses As of late, however, the uninsured losses are being absorbed by other stakeholders in the housing finance system, including mortgage lenders, mortgage servicers, private mortgage insurers, government agencies, capital markets investors, and the government-sponsored enterprises.

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Housing Wire

MAY 23, 2024

Freddie Mac ’s head of single-family acquisitions, Sonu Mittal , this week defended the government-sponsored enterprise’s proposal to acquire single-family, closed-end second mortgages amid opposition by trade groups that are worried about its impacts on the secondary market. “Six Six out of 10 borrowers are below a 4% mortgage rate.

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Housing Wire

AUGUST 15, 2023

The Housing Policy Council (HPC) is urging the Federal Housing Finance Agency (FHFA) to modify its proposed government-sponsored enterprises (GSEs) single-family pricing framework, including coordination with banking regulators to streamline capital requirements and retention of upfront guarantee fees.

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Housing Wire

JANUARY 22, 2024

Coggiola will be responsible for Polly’s product, implementation, support and design teams, working toward seamless cross-organization collaboration. He has more than 25 years of mortgage technology and enterprise software experience with his latest stint being chief product officer at Accela , a government tech provider.

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Housing Wire

FEBRUARY 27, 2023

government. Even after the 2015 law enforcement order, RMK continued to lie to military families by falsely implying government endorsement of its home loans,” CFPB Director Rohit Chopra said in a statement. The CFPB ordered RMF at that time to end its illegal and deceptive practices and pay a civil penalty of $250,000.

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Housing Wire

FEBRUARY 21, 2024

In 2021, Gigliotti created Axis 360 Lift , an online academy designed to educate aspiring mortgage and title professionals. In this climate of cautious optimism, industry veteran Paul Gigliotti is spearheading an innovative educational venture that’s tailored to the evolving needs of mortgage company executives and recruiters.

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Housing Wire

MARCH 13, 2024

United Wholesale Mortgage (UWM) will begin to cover the upfront cost of hard credit report pulls for its broker partners as it aims to expand market share. The government-sponsored enterprises also plan to transition to two, rather than three, credit reports from the national consumer reporting agencies within a year.

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Housing Wire

JULY 14, 2023

Discriminatory practices and policies in government, the banking, and real estate industries continue to impede access to homeownership for [Black, Indigenous, People of Color (BIPOC)] households today,” the summary explained. In May, Wash.

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Housing Wire

NOVEMBER 28, 2023

Residential zoning laws are designed to promote orderly development, control traffic flow, and ensure that noise and activity levels are appropriate to each specific neighborhood. Launch a government-funded affordable housing awareness campaign Home equity is the primary source of wealth for most Americans.

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Raleigh Realty

MARCH 29, 2021

Buying a Home As a Government Employee Are you a government employee preparing to buy a home? With the right resources, you can ensure a successful investment and one in which you may save tens of thousands of dollars thanks to being a government employee. Who Is a Government Employee?

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Housing Wire

NOVEMBER 10, 2022

The Federal Housing Finance Agency (FHFA) announced on Thursday that the 2023 multifamily loan purchase caps for Fannie Mae and the Freddie Mac will be $75 billion for each government-sponsored enterprise (GSE), for a combined total of $150 billion to support the multifamily market, according to an announcement from the FHFA.

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Appraisal Buzz

MAY 6, 2024

In some markets, the answer is increasingly yes. In recent years, insurance companies have pulled out of some markets altogether after sustaining massive losses due to wildfires, flooding, and other climate-related disasters. And in some condominium markets in Florida, home values are taking a hit as insurance premiums skyrocket.

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Housing Wire

MARCH 10, 2023

California-based Impac Mortgage Holdings is repositioning itself as a mortgage brokerage and voluntarily giving up its seller-servicer designation with Fannie Mae and Freddie Mac. The Company has no intention of engaging in systematic, non-economic activities,” Mangiaracina added.

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Housing Wire

NOVEMBER 21, 2022

MBA Convergence , “is driving collective action with lenders, other industry participants and government partners to facilitate new solutions to our nation’s rental and housing affordability challenges. Zoning: Ensuring that proposed home designs align with the municipality’s zoning constraints and building codes.

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Housing Wire

MAY 15, 2024

Government-sponsored enterprise (GSE) Freddie Mac has put its finger on the scale of an emerging loan market that has been the domain of the private-label securities market, which has nurtured its reemergence in recent years. billion have been securitized in the private-label market, “of which $4.5

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Housing Wire

JANUARY 24, 2024

Government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac announced this week the release of their “Mission Index,” updating or expanding their single-family social bond framework to better communicate the goals of the index to stakeholders and investors. The GSEs issued separate announcements and a joint statement.

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Housing Wire

MAY 16, 2024

UWM’s TRAC+ announcement comes as the federal government pushes title insurance alternatives designed to save consumers money. The product is available on conventional, Federal Housing Administration (FHA), and U.S. Department of Veteran Affairs (V.A.) loans but only for refinances. 0% down During UWM Live!

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Housing Wire

DECEMBER 14, 2023

The Federal Communications Commission (FCC) — the government regulatory body overseeing communications across a wide variety of media including radio, telephone cable and the internet — adopted a new series of rules on Wednesday designed to crack down on controversial lead generation methods, including “robocalling” and “robo-texting.”

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Housing Wire

MARCH 21, 2024

It is extremely disheartening for anyone who’s in the market for a new home, including repeat and first-time homebuyers. Davidson added that he has “a hard time” agreeing that “more government interference in single-family housing is the answer.” Department of Veterans Affairs (VA),” the memorandum stated. Brad Sherman (D-Calif.).

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Housing Wire

JANUARY 18, 2023

Today’s housing market has many looking for ways to cash in their equity, especially older homeowners. HousingWire: What makes HECMs an advantageous alternative to HELOCs in today’s market? Unlike HELOCs, reverse mortgages and jumbo reverse mortgages are designed specifically to help seniors manage their cash flow.

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Housing Wire

OCTOBER 16, 2023

The market is rocky, margins are tight. At a time when you desperately need stability, your own government is sowing the seeds of profound instability. ” He said that the proposed new capital increases for banks “are a dagger aimed at the heart of the housing market.” And we’re playing offense.”

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Housing Wire

NOVEMBER 25, 2020

Many real estate investors were serendipitously ahead of this shift even before the pandemic started, driven by both affordability and an affinity for overlooked markets. Currently I’m in some of the Southern markets like Alabama, Mississippi, Texas, Indianapolis, Ohio. See sidebar for more details on these markets.

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Housing Wire

JUNE 22, 2023

Founded by Jillian White , an SRA-designated appraiser with over two decades of leadership experience, the firm offers expertise to non-appraiser stakeholders, including regulators, lenders, and appraisal management companies (AMCs). This content was generated using AI, and was edited and fact-checked by HousingWire’s editors.

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