Fitch

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Sound the alarm? Alt-doc loans have doubled in the last two years

Jul 02, 2019By

After the housing crisis, the credit box shrank with the installation of the Qualified Mortgage lending standards. In recent years, some lenders have begun to expand on the credit box, as seen by a recent increase in non-QM lending. But that’s giving rise to some of the types of mortgage products that haven’t been seen since before the housing crisis, and one credit ratings agency is now expressing some concern about how risky some of those loans may be.

3d rendering of a row of luxury townhouses along a street

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