This is what justifies Texas economic pride

This is what justifies Texas economic pride

Happy Independence Day, Texas

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Items Tagged with 'Urban Institute'

ARTICLES

Urban Institute: 3 charts reveal the renter next door

Who are they?
Brena Swanson
An unexpected side effect of the mortgage crisis has been the replacement in many neighborhoods of single-family homeowners with renters. Here's who those people are in three charts.
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Urban Institute: 5 forces deflate mortgage rates

Interest rates at lowest level since May 2013
Brena Swanson
Although mortgage rates were forecasted to reach 5% by the end of 2014, over a year later, in 2015, they are still well below 4%. The Urban Institute deciphers what major forces are keeping mortgage rates down.
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Urban Institute: 3 predictions for mortgage lending

The impact of new regulations
Brena Swanson
A recent seminar hosted by the Urban Institute and CoreLogic brought several industry experts together to address a range of issues related to mortgage insurance. As a result of the discussion, three general predictions emerged.
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Urban Institute: 4 positive ways FHA cuts will impact mortgages

Starts with saving borrowers more money
Brena Swanson
There has been a lot of talk around the Federal Housing Administration's announcement that it is reducing mortgage insurance premiums. Here are four reasons the Urban Institute thinks it's good news for the mortgage industry.
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Urban Institute: Stop charging borrowers for yesterday’s mistakes, FHA

Insurance premium charges aren’t based on today’s reality
Trey Garrison
The Urban Institute says that the Federal Housing Administration needs to update its approach to insurance premiums. Here's how.
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Urban Institute: The true impact of VA loan-limit changes

781,000 veterans live in Virginia alone
Brena Swanson
Congress officially aligned the maximum size of mortgages guaranteed by the Veterans Administration to match Fannie Mae and Freddie Mac. Although this drastically reduces the loan limit in some areas, the Urban Institute argues that it won't significantly affect borrowers.
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Here’s one huge drag on troubled homeowners

1 in 5 paying double the average interest rate
Trey Garrison
Not everyone is paying historically low rates of interest, and here's what can be done about it.
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Why GSE support of low-down payment mortgage is not bad

This isn’t new territory for them
Brena Swanson
Not everyone in the industry is on board with the Federal Housing Finance Agency’s recent move to encourage lenders to issue mortgages with down payments as low as 3% due to concerns that it would lead to more defaults. But an article from the Urban Institute cites why it’s really no big deal.
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Not all lenders think HELOCs are the next bubble

Rates set to reset, HELOC demand on the rise
Brena Swanson
As the wave of resets for home equity lines of credit continues to rise, many homeowners are left with higher monthly mortgage payments. But the industry is divided on the past and future problems that come with HELOCs.
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Incomplete OIG report overstates the risks of FHFA sunset plan

Here's what this means for reps and warrants relief
Laurie Goodman and Jun Zhu
The OIG has a job to do, but an incomplete analysis of a sensitive issue raises the question of whether the government is really willing to take the steps necessary to assure lenders that they intend to provide rep and warrant relief.
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