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Items Tagged with 'Urban Institute'

ARTICLES

Urban Institute: Are the GSEs still profitable?

Chart shows drastic drop in revenue
Brena Swanson
Fannie Mae and Freddie Mac posted incredible profit in 2013, bringing in $84 billion and $49 billion, respectively. However, in 2014, both enterprises reported a drastic drop. According to the Urban Institute, this decline in revenue will continue.
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Urban Institute: 3 big impacts of mortgage repurchase clarifications

Fannie, Freddie changes have hit industry
Trey Garrison
A new study by the Urban Institute shows that the efforts by the FHFA and the GSEs have had an impact for lenders on mortgage repurchases. Here’s how.
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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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