Monday Morning Cup of Coffee: Time to cut the MLS cord?

Monday Morning Cup of Coffee: Time to cut the MLS cord?

Plus housing metrics, the incredible shrinking GDP, and kicks are for TRIDs

Jeb Bush: Current housing and debt situation unsustainable

Is the clock ticking on the 30-year mortgage?

Senate banking committee passes massive regulatory relief bill

Big implications in legislation for housing and mortgage finance
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Items Tagged with 'Urban Institute'

ARTICLES

Monday Morning Cup of Coffee: Setting the stage for higher interest rates

Delinquencies drop, call to delay TRID grows, and housing metrics
Trey Garrison
Lots of changes in markets foreign and domestic are aligning that could press the Fed into admitting weak US data, with a resulting impact on interest rates. Plus, Ginnie Mae has a glitch, and much more. Read on.
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Urban Institute’s Goodman blames “broken” servicer rules for tight credit

Claims lenders are reluctant to lend to borrowers with “slight” risk of default
Ben Lane
Speaking recently at an Urban Institute seminar on mortgage servicing, Housing Finance Policy Center Director Laurie Goodman said that the current “broken” state of mortgage servicing regulations is partly to blame for the current tight lending environment.
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Monday Morning Cup of Coffee: FHFA g-fee, PMI shift too much or too little?

Clouds on housing finance horizon; Zillow/Move fight gets personal
Trey Garrison
Things are looking rough for housing with a sluggish start to the spring buying season, and that trickles all the way up to the outlook for agency MBS. Plus, Move takes off the gloves in its ads, and the industry reacts to recent FHFA moves. Read on.
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Urban Institute: 6 benefits to alternative credit scores

Could help millions access lending
Brena Swanson
Millions of previously “unscoreable” consumers are finally able to receive credit scores due to recent advances in alternative data and credit scoring methods. And thanks to these advances, industry experts found these significant positives for the housing market and future of lending.
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Urban Institute: 4 million missing mortgages

Study says tight lending strangled 4 million mortgages
Trey Garrison
The Urban Institute thinks credit standards are too restrictive, and that as a consequence some 4 million mortgages that could have been written, were not. Here's what they found.
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Epic Twitter discussion erupts: Is credit really that tight?

Two views: Heading toward more fairness, or a set up to Housing Crash 2.0
Trey Garrison
So which is it? Is credit loosening too much and we're heading for a subprime kind of breakdown, or is it too tight, and millions of good mortgages aren't being made? Here are two competing views.
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3 things you need to understand about mortgage default rates

Urban Institute: First things first
Trey Garrison
The researchers at The Urban Institute have a new report worth a look. It’s a critical read if you’re going to understand mortgage default rates. Here’s what they have to say.
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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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