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Opinion, commentary and analysis on everything that makes the U.S. housing economy tick -- not to mention the ghosts in the machine, too. Written by HW's team of editors and reporters each business day.

Monday Morning Cup of Coffee: Is housing talk finally coming to the 2016 election?

A full rundown of all things housing in the race for the White House
Well, we're smack dab in the middle of election season now, and housing is thus far, decidedly not on the agenda. But is that all about to change? While Republican nominee Donald Trump didn't touch on housing in his acceptance speech last week, the Republican Party platform does call for significant changes to the country's housing finance system. As for the Democrats, the party made two big moves over the weekend that could bring housing into the conversation.
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On the rebound: Get ready for the 2018 surge of homebuyers

Here's what MLOs and Realtors need to keep in mind
'Rebound' might not be a good thing when referring to a dating situation, but it's not a bad thing at all when we're talking about housing. In fact, there are a lot of people 'on the rebound' that mortgage loan officers and their Realtor partners should be courting. Approximately 1.5-million consumers are eligible to buy homes in 2018. Ready?
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Expanding mortgage credit availability isn't hard, if you do it right

Carrington Mortgage Holdings' Dan Magder on how to open the credit box
At meeting after meeting with mortgage industry executives, government officials ask all of us to expand mortgage availability to underserved borrowers. But those officials caution industry leaders in the very next breath, don’t loosen underwriting standards and return to the go-go days of the credit crisis. Hearing these seemingly contradictory requests, the lending community is left scratching its collective head. But there are ways to bridge the divide.
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Here's the social media guide tailored just for mortgage lending

The key to client retention

Don't miss out on this webinar exploring the ways social media can help you beat out all the other companies in the mortgage space to realize some of the $1.6 trillion of business potential in mortgage originations. You’re not trying to just master social media, you’re trying to harness a tool to connect with future clients and enhance client retention to grow your business. This is how you do that.


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When it comes to GSE reform, there's no need to reinvent the wheel

We don't need to start from scratch with reform
After reviewing various GSE reform options, I strongly believe our strongest course of action would be to combine the existing GSEs into a single, super GSE operated similarly to Ginnie Mae. Ginnie is already a proven success story, in spite of underfunding and hurricane-like market headwinds in the past ten years, so why not build upon something that we know works?
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Monday Morning Cup of Coffee: Crusading for affordable housing at the Republican Convention

Plus, the Miami real estate shell game
One of the biggest events this week will be the Republican National Convention in Cleveland, Ohio. The Republican party platform contains specific recommendations for housing, including winding down Fannie Mae and Freddie Mac and reducing the size of the Federal Housing Administration, but it remains to be seen what actually gets talked about at the convention, much less enacted should the Republicans win the presidency.
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Here's why the FHA's changes to non-performing loan sales are a universal win-win

Boston Community Capital CEO Elyse Cherry on why changes could alter industry
Recently, HUD announced important, valuable, and substantive changes to its Distressed Asset Stabilization Program, under which the FHA sells off deeply delinquent loans to private investors. The reforms will benefit homeowners, entire neighborhoods, and our economy as a whole – and have the potential to transform the way the private sector approaches the housing market. Here's why.
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The potential cost of misunderstanding title insurance financing

New York State real estate buyers spent an estimated $817 million on title insurance in 2015
Title insurance is a topic rife with misunderstanding and myth. It is required on most real estate transactions and is generally purchased even when not strictly required, so understanding available lower-cost options can make a real financial difference.
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