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Industry Outlook

Recent Posts

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  • Low Down Payments Can Help Borrowers AND Lenders
  • Servicing: Don’t Underestimate Liquidity
  • Rise of the Credit Unions
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Archives

How Consumers Influence Interest Rates

According to many economists, consumers are prepared for rising interest rates. This statement is backed by examining, not only consumption behaviors, but the willingness of...

October 12, 2016 Industry Outlook, Rob Chrisman's Perspectives

The Fed’s QE: Help or Hindrance to Lending?

Over the last several years the residential lending industry has lamented practically every change. Y2K, LO comp, QM, TRID, the list goes on and on,...

November 16, 2015 Industry Outlook, Rob Chrisman's Perspectives, Secondary Markets, Uncategorized

Do Borrowers Care about Down Payment Amounts and Mortgage Rates?

Ask most first-time home buyers what the main factors of financing are for them, and I’m pretty sure down payment, and the monthly mortgage amount...

July 13, 2015 Industry Outlook, Rob Chrisman's Perspectives

The Consumer is Worried About…What?

Jobs and housing drive the economy, and each of those is influenced by consumer’s behavior, optimism, and thoughts of the future. Optimistic people are more...

June 17, 2014 Industry Outlook, Rob Chrisman's Perspectives

Freddie and Fannie: Onward and Upward?

In February, the Federal Housing Finance Agency (FHFA) issued a strategic plan for its ongoing conservatorship of Freddie Mac and Fannie Mae (the GSEs).  The...

October 29, 2012 Industry Outlook, Rob Chrisman's Perspectives, Secondary Markets

When Politics and Mortgage Rates Mix

Does anyone remember the “fiscal cliff”? Sure, many believe that Congress will overcome their partisan politics and extend many of the provisions, kicking the can...

September 24, 2012 Industry Outlook, Rob Chrisman's Perspectives

An Ever-Changing Appraisal Industry

“Knowing the value of something one owns, whether it is a Honus Wagner baseball card or a high-rise office building in Hong Kong, is important...

April 05, 2012 Industry Outlook, Rob Chrisman's Perspectives

Putting Time Frames on Borrowers Returning After a Foreclosure or Short Sale

We are hard-pressed to pick up a newspaper or listen to a newscast without seeing or hearing something about bankruptcies, foreclosures, or the credit crisis...

December 07, 2011 Industry Outlook, Rob Chrisman's Perspectives

HARP 2.0: Unlikely to Result in a Refi Landslide

On October 24th the Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac announced several changes to the Home Affordable Refinance Program (HARP) in...

November 02, 2011 Industry Outlook, Regulation, Rob Chrisman's Perspectives

The Two GSE Elephants in the Mortgage Banking Room – Part 2 of 2

It seems that there is news about Fannie Mae and Freddie Mac nearly every day, if not in the mainstream media than in the mortgage...

October 18, 2011 Industry Outlook, Regulation, Rob Chrisman's Perspectives, Secondary Markets

Rate over 5%? Call the US Government!

Every once in a while a rumor or somewhat-substantiated story sweeps through the mortgage banking world about some radical proposal. On the trading desks it...

August 25, 2011 Industry Outlook, Rob Chrisman's Perspectives, Secondary Markets

The Near Term Outlook on Non-Agency Securitization

We currently live in a world where roughly 90% of the mortgage production is linked to a particular government agency. Industry observers will tell you...

June 21, 2011 Industry Outlook, Rob Chrisman's Perspectives, Secondary Markets

Qualified Residential Mortgages: Part II

What do La Raza, The National Association of Realtors, well over a hundred members of Congress, and the NAACP have in common? They have all...

June 06, 2011 Industry Outlook, Regulation, Rob Chrisman's Perspectives, Secondary Markets

Qualified Residential Mortgages: Part I

Although the mortgage banking industry initially “dragged its feet” in becoming aware of the potential impact on mortgage lending (some would say “danger”) within the...

May 18, 2011 Industry Outlook, Regulation, Rob Chrisman's Perspectives, Secondary Markets

The Jumbo Market

When one talks to loan officers, they will sometimes talk about how bad things are now compared to where they were five years ago. When...

April 25, 2011 Industry Outlook, Rob Chrisman's Perspectives, Secondary Markets
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