The cost of a credit score for originations is set to increase by 41% in January. The plan prompted trade groups representing lenders to renew calls for regulators and Congress to address pricing practices for credit reporting products.
Ginnie Mae wants to give a capital break to servicers that hedge their positions and do it well. But the government guarantor might make some changes to the language first published last week.
The Trump administration and Republican leadership in both houses of Congress will likely lead to the reversal of many Biden-era fair lending and equitable finance rules and guidelines, but affordable housing is still a bipartisan issue.
In 2020 when rates were hitting rock bottom, nonbanks — public and private alike — lined up to issue debt in the form of unsecured notes. But 2025 is just around the corner and those instruments need to be refinanced or paid off.
FHFA and CFPB insiders expect the new administration to make quick changes in agency leadership, a process made easier by Republicans gaining control of the Senate.
The MBA is focusing on regulatory reforms to help reduce the cost of mortgages. There is also some hope that Congress will pass legislation addressing trigger leads.
Additional warehouse providers mean more choices for nonbank mortgage companies. But with mortgage rates headed north once again, will it matter all that much?
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