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Inside Mortgage Finance

February 22, 2024

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FTHB Role Grows in 2023 Agency Purchase Market

The FHA gained share in the agency purchase-mortgage market last year, while private MIs continued to do more first-time buyer business. (Includes four data tables.) Read More

FHA Announces New Loss-Mitigation Solution

The new Payment Supplement program will allow servicers to temporarily reduce a borrower’s monthly payment by up to 25% without modifying the mortgage’s current interest rate. Read More

GSE Profits Defy Market Trends

Dramatic reversals in provisions for credit losses drove profits at Fannie Mae and Freddie Mac during the fourth quarter of 2023. Read More

MSR Buying Could Become a Crowded Field

MSR buyers? The field is getting crowded and PE-backed investors continue to be aggressive. Even Guild Mortgage is open to the idea of buying, but only if the situation meets its parameters. Read More

VantageScore Gets a Key Supporter in FHLBank of San Francisco

The Federal Home Loan Bank of San Francisco becomes the first FHLBank to allow members to use mortgage loans based on VantageScore 4.0 as collateral for advances. Read More

ITIN Borrowers Are a Major Untapped Mortgage Market

As many as 88,000 individual tax identification number mortgages could be originated in a year if certain market barriers were removed, according to Urban Institute researchers. Read More

Flagstar Warehouse Business Unaffected by NYCB Turmoil

Flagstar’s warehouse business was left unscathed by the recent loss at its parent, NYCB. However, it doesn’t take much to make a nonbank feel queasy when the unexpected happens at one of its financiers. Read More

VA Defends Loss-Mit Policy Under Fire From Lawmakers

Facing criticisms that borrowers would intentionally default to qualify for VA’s upcoming loan-modification program, the agency noted that nearly 90% of its home loan portfolio is at a 2.5% to 3% coupon. Read More

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