Here's where expert economists think housing is going

Washington is protecting buyers right out of homeownership

BPC Housing Commissioner: Give borrowers a chance to fail

2 reasons the single-family rental securitization market won’t exceed $20 billion

$1 trillion market? Not even close.
W S

Items Tagged with 'Urban Institute'

ARTICLES

Even credit-worthy borrowers struggle to get a mortgage

Regulations, credit and affordability challenges persist
Trey Garrison
The national homeownership rate continues to decline, and many say that it’s only going to get worse because of tighter lending standards, burdensome regulations that create lender uncertainty and affordability challenges.
Read More

2 reasons the single-family rental securitization market won’t exceed $20 billion

$1 trillion market? Not even close.
Laurie Goodman
As home prices are bid up, smaller investors, who can do their own property management and thereby lower their total property management costs, will remain interested. But these securitizations based on loans to small investors face two challenges.
Read More

Are subprime mortgages coming back?

Lenders missing opportunity to make more money
Brena Swanson
It’s time to return to the days of subprime lending, at least that's what this one article suggests. But not the subprime lending that is negatively associated with the financial crisis.
Read More

Urban Institute: Qualified Mortgage impact overblown

New rules have only slightly slowed mortgage lending
Ben Lane
According to new analysis from the Housing Finance Policy Center team at the Urban Institute, there has been “surprisingly little impact” on the mortgage origination numbers since QM went into effect in January.
Read More

Urban Institute: There is an art to G-fee increases

3 conclusions behind rate hikes
Brena Swanson
As the Federal Housing Finance Agency continues to seek input on guarantee fees, according to the Urban Institute, the process might not be too easy to conquer.
Read More

Urban Institute: 5 steps BofA should take in its settlement with DOJ

This would better serve consumers and investors
Trey Garrison
Now that Bank of America is nearing a reported $17 billion settlement with the Department of Justice, there are some steps the banking giant could take to better set things right, says the Housing Finance Policy Center staff at the Urban Institute.
Read More

Here's evidence showing the housing “recovery” isn’t real

What is real and what is Memorex?
Lynn Effinger
Many reports do not take into full consideration the differences in market conditions from one part of the country to another. The inexplicable rise in house prices in the West, for example, is not replicated in other parts of the nation.
Read More

Fed: CFPB rules are driving down mortgage lending

Report says QM, ATR are hurting loan volume
Trey Garrison
Mortgage rules imposed by the Consumer Financial Protection Bureau are driving down the number of loans banks are making, the Federal Reserve says.
Read More

1 in 3 Americans being chased by debt collectors

Trey Garrison
A new report form the Urban Institute shows how weak the U.S. economy is, and offers at least one reason for the housing doldrums — one in three Americans is so far behind in paying their bills that they are in collections.
Read More

Before you judge Dodd-Frank...

Urban Institute: "Can we really calculate the cost?"
Brena Swanson
Now four years old, Dodd-Frank is struggling to measure up to its original design. But according to the Urban Institute, before disregarding Ddd-Frank as a fail, understand that it is complex and difficult law.
Read More