The devil is in the mortgage finance reform details

The devil is in the mortgage finance reform details

On the bumpy road to a common securitization platform

Housing shouldn’t look at any color but the color of money

People with bad credit and bad habits should be squeezed out of housing

Who is Nat Hardwick?

Former LandCastle Title CEO owns NASCAR team, rubs elbows with PGA pros
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Items Tagged with 'Urban Institute'

ARTICLES

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.
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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.
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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.
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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.
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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.
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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.
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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.
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It’s a landlord’s world, you just rent in it

Single-family rental continues growth as homeownership shrinks
Trey Garrison
Although investor activity peaked in 2012, it’s still abnormally high and with rental demand rising and supply dwindling, investors will continue to snap up distressed properties and existing homes. Meanwhile, homeownership continues to decline.
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Urban Institute: Mortgage denials for black borrowers worse than thought

Recent Twitter war brought issue to forefront
Trey Garrison
A Twitter fight broke out among industry leaders last month on whether African-American borrowers are denied at about 32% or as high as 56%, as claimed by the head of the largest mortgage banking trade association. Turns out that by some measures, it might be actually worse.
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Goldman Sachs answers 3 key questions about housing

The outlook isn't that bad
Jacob Gaffney
Goldman Sachs analyst Hui Shan said there are 3 key questions facing housing. And then he answered them. Here is a summary of that Q&A.
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