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Tag Archives: Urban Institute

Rental Payment History vs. Mortgage Delinquency Risk

Rental payment history is indicative of future mortgage loan performance and should be considered when individuals apply for mortgage loans, according to new research from the Urban Institute. “Access to mortgage credit remains overly tight in part because we are ...

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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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Are Servicing Reforms on the Horizon?

With housing finance reform legislation once again in the works in Congress, now might be the right time for reforms in the mortgage servicing industry. The first in this three-part series of reports makes a case for the government to review and mitigate the risks associated with inefficient mortgage servicing.

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Risky Business

The FHA’s Mutual Mortgage Insurance Fund currently covers both forward and reverse mortgages. But is that really the best way to asses risk for the programs?

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Top 3 Barriers to Homeownership

As home prices rise and tight inventory continues, the current market has made it more challenging for Americans to reach their goals of homeownership. In light of this, a recent report breaks down the top three barriers potential homebuyers face.

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The Week Ahead: Delving Into Economic Opportunity

On Wednesday the Urban Institute and Citi Foundation will co-host an event promoting innovative strategies to aid poverty and help housing markets transform into a place of economic opportunity. See how to be a part of the event and what’s to come in The Week Ahead.

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Tapping Into Home Equity

A new report breaks down home equity by race and age, finding that Black homeowners 65 years and older are more likely to take out reverse mortgages than any other demo.

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Delinquencies Take Another Dive

Delinquencies, foreclosures, and homes in negative equity all dropped over the last quarter and the last year, according to new data. But just how much have they dipped and why?

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Credit Score Facelift

As the years go by, technology progresses. New computers and cellphones, more efficient ways of handling paperwork—but what about credit reporting?

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