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Inside Mortgage Finance

October 5, 2023

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Agency Single-Family Market Posts Small Gain in 3Q

Most of the gain in agency business was at Ginnie Mae as the data show a migration of lower-score borrowers from Fannie and Freddie to the FHA market. (Includes two data charts.) Read More

Supreme Court Sympathetic to CFPB in Funding Case

The Supreme Court heard oral arguments this week in a case challenging the constitutionality of the CFPB’s funding structure. Analysts say the bureau has a good chance of prevailing. Read More

Of Interest to Fannie: MSR Sale Prices

What are nonbanks getting for their servicing rights in the secondary market and how much of a right does Fannie Mae have to that information? Hard to say, but some factions of the industry are bristling at inquiries from the GSE. Read More

M&A Heats Up for Servicing Platforms, MSRs

With interest rates continuing to head north, servicing-related assets are becoming more valuable in a parched origination landscape. SLS, a large servicer, will have a new parent and other deals may be in the works. Read More

GSE Shareholders Still Face Challenges in Court

Even after a big win in a district court in August, Fannie Mae and Freddie Mac shareholders continue to face setbacks in other legal venues. Read More

Temporary Buydowns Concentrated in Two-Year Window

The GSEs provided new disclosures on temporary buydowns. Borrowers most commonly take a buydown that lasts no more than two years and usage of the feature is declining amid elevated interest rates. Read More

Housing Affordability Expected to Improve in 2024

The stage is set for some potential buyers to be priced out, which would reduce demand and the upward pressure on prices, according to data analytics firm Attom. Read More

Grapevine: Lessons From the Non-Shutdown; 2024 Loan Limits

Income verification services provided by the IRS could continue to operate during a government shutdown; Rocket leads the way on raising loan limits; Redfin leaves NAR. Read More

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