HousingWire Magazine's October/November 2016 issue cover story, Redefining Skin in the Game, looks at the low-down payment trend to discover if it's a safe way to expand homeownership or a return to unsafe lending products.
A perfect storm in Silicon Valley — a look at the forces at play and what, if anything, can be done to stall skyrocketing home prices.
Also in this issue:
Industry leaders from Black Knight and Radian discuss successful implementation of the Uniform Closing Dataset and how to address the Millennial homeownership gap.
We profile seven companies in our Market Makers feature and shine the spotlight on Alight and Chronos solutions in special sections.
While other state and federal regulatory bodies overlap in their regulation of the mortgage industry, the very particular consumer focus of the CFPB is not duplicated by any other body. Will deregulation mean a return to the Wild West lending atmosphere that led to the financial crisis? What happens next? We asked John Socknat, partner at Ballard Spahr, to weigh in on what mortgage lenders and servicers can expect from a Trump administration.
Amid the potential new direction from the White House, Congress and regulators, leadership in our industry is more important than ever. Which is why HousingWire is proud to present the 40 winners of our 2016 Vanguard award. These leaders from all segments of the mortgage ecosphere demonstrate that our industry is more than capable of meeting the challenges that lie ahead.
The marketplace is full of hard and private money lenders — it will come down to who can best assist investors in completing their goals, whether that be by providing quicker close times, or with more accurate valuations. With how many options there are for borrowers, lenders will need to start competing for marketshare as borrowers shop their situations to multiple lenders, leveraging the offers against each other. This process will force lenders to update their guidelines, or be forced out of the market.