This is why millennials need a new credit scoring system

This is why millennials need a new credit scoring system

Turns out they WANT credit, but just can't GET credit

Meet our incredible 2015 Women of Influence

Announcing 40 leaders driving the housing economy

CFPB to mortgage industry: Get out of MSAs

Industry calls move regulation by enforcement
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Articles by Amy Macintosh

From HW Magazine

Reaching the credit invisible

Can rethinking credit scores revolutionize lending?
HousingWire covered the introduction of Costco into the mortgage lending space and it made the industry nervous. Lenders openly asked each other at conferences, “Who will be next? Google, Apple?” Well, that never happened. Here's the story why, in long-form feature.
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From HW Magazine

Is the threat of subprime bond lawsuits fading?

Investors may finally get paid
A new target for investors looking to recover RMBS will be the trustees. In addition to the on-going global settlement cases, new lawsuits were issued last year between investors and trustees. This new type of litigation was initiated for investors to recover their losses on RMBS by accusing trustees of negligence and breach of contract.
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From HW Magazine

Room to boom

Single family rentals take the next step
Traditionally, single-family rentals has been a stable, albeit fragmented part of the U.S. housing market, primarily led by small-to-mid-size local operators. But the success of the institutional investor over recent months has opened the capital markets door to small-to-mid-size players.
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From HW Magazine

Real Estate Crowdfunding

A new, esoteric funding solution space is getting quickly cramped
Crowdfunding has swept through large verticals of consumer finance, including student loans and credit card debt. And so, naturally, in a market of rising property values, the real estate market is the latest frontier for crowd-based financing.
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From HW Magazine

Financing for green

The mortgage business discovers the benefits of green homes
Retrofitting residential homes to be more energy efficient makes sense, both from an environmental perspective and from a home-value perspective. However, capital markets financing for green building materials is wrought with hazards for both the investors, mortgage lenders and even the homeowners themselves.
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From HW Magazine

Funding the MSR land grab

What the industry is doing with its excess warehouse space
Large banks are actively looking to minimize their MSR exposure. 2014 is likely to go down as the year of mortgage servicing financing.
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From HW Magazine

Double down

Mortgage servicers bet big on once-obscure advance receivables
Nonbank mortgage servicers are taking a big chance on servicer advance receivables, and it is quickly becoming a multibillion-dollar market.
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From HW Magazine

ARMs revival framed by harder regs

Government spoils the party just as it got started
In the chase for mortgage origination crumbs, Chairman and CEO of PennyMac Stanford Kurland noted that ARMs "have become more attractive relative to fixed-rate mortgages."
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From HW Magazine

Powerless: Market lessons from Superstorm Sandy

Sandy exposes housing and mortgage market vulnerabilities
Anecdotes abound after natural disasters displace businesses.After Hurricane Sandy walloped the East Coast, there was talk of mortgage bond traders, unable to enter Lower Manhattan in the...
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