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Tag Archives: Purchase Loans

Seeking the Right Balance

The capital reserves in FHA’s Mutual Mortgage Insurance Fund have remained above the statutory minimum for the fourth consecutive year. Here are the opportunities and headwinds the FHA foresees for this portfolio.

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Déjà Vu All Over Again

Fitch Ratings

A new analysis indicates that the GSEs are increasing their leverage to maintain mortgage activity levels. How is this trend impacting the risks associated with mortgage defaults?

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How Did Refis Impact the 2008 Financial Crisis?

While there is still debate about the various factors that contributed to the 2008 financial crisis and the collapse of the housing market, a new paper by the Urban Institute suggests that the poor performance of cash-out refinances, and refinances in ...

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Freddie Mac: Housing Market Inching Closer to Stability

According to Freddie Mac, three of the four major indicators tracked in the index saw improvements in September, led by a 1.2 percent gain in the gauge of labor health to 94. The components measuring payment-to-income ratios and the proportion of mortgage payments made on time also edged up, rising 0.8 percent to 72.7 and 0.5 percent to 66.6, respectively.

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Freddie Mac: Housing Market Loses Ground

Of the four indicators tracked, only the employment gauge was in a stable spot, falling half a percent to 92.9 as the economy continues to show strong job growth. Among the other three, payment-to-income ratios and mortgage delinquency improved over the month, climbing to readings of 69.3 and 66.4, respectively.

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