Ocwen’s road ahead: Well, can't get any worse

Ocwen’s road ahead: Well, can't get any worse

Fall down seven times, get up eight?

Monday Morning Cup of Coffee: What’s the diagnosis for the "sick" housing market?

Still, confidence remains high

6 secrets to dealing with regulations for mortgage servicers

A candid look from the perspective of 2 recovering regulators
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Items Tagged with 'Urban Institute'

ARTICLES

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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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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