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Secondary Markets

Recent Posts

  • Home Financing Despite the Partial Shutdown
  • Low Down Payments Can Help Borrowers AND Lenders
  • Servicing: Don’t Underestimate Liquidity
  • Rise of the Credit Unions
  • What Does Affordable Housing Mean?

Archives

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

MBS Liquidity: a Good Thing for Borrowers

HERE’S A CATCHY INTRODUCTION. Okay, now that that’s over and I have your attention let’s get down to brass tacks and answer a question on...

September 23, 2015 Rob Chrisman's Perspectives, Secondary Markets, Uncategorized

Do Investors View FHA Loans Differently Than VA Loans?

“By Rob Chrisman I speak with a lot of originators in the industry who use FHA/VA interchangeably, and for the speed and ease of the...

October 08, 2014 Rob Chrisman's Perspectives, Secondary Markets

A Primer on Cash Sales Versus Securities

 Fannie & Freddie’s end-run around the large aggregators and marketing directly to the small and mid-sized lenders is well known in the industry. But smaller...

August 26, 2014 Rob Chrisman's Perspectives, Secondary Markets

MBS Life After QE3

Remember in the “old days” when the Fed didn’t sop up all the new issuance, and then some, of residential agency mortgage-backed securities? When rates...

May 08, 2013 Regulation, Rob Chrisman's Perspectives, Secondary Markets

A Primer on Asset Backed and Mortgage Backed Securities.

Those folks in residential lending, especially on the secondary marketing side of the business, are focused on residential mortgage-backed security (RMBS) prices, usually shortened to...

February 03, 2013 Rob Chrisman's Perspectives, Secondary Markets

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

The Freddie Mac/Bank of America Buybacks Should Concern Every Lender

Once again, we find the “mortgage herd” spooked. A few weeks ago Freddie Mac announced that some of its MBS pools will experience prepayments because...

June 11, 2012 Rob Chrisman's Perspectives, Secondary Markets

“Part II: Does the Industry, and the Borrower, Need A HARP 3.0? “

As time passes with HARP II having been rolled out, or not, among various lenders and investors, some attention has been turned to the possibility...

May 30, 2012 Regulation, Rob Chrisman's Perspectives, Secondary Markets

“Does the Industry, and the Borrower, Need A HARP 3.0?”

HARP…HARP 2.0…HARP 6.0… will the industry have trouble keeping track of which borrower refinanced under which HARP? The Home Affordable Refinance Program certainly has its...

May 07, 2012 Regulation, Rob Chrisman's Perspectives, Secondary Markets

How the Agencies of Tomorrow Might be Different than Today’s Fannie & Freddie

Since the Federal Housing Finance Agency (FHFA) placed Fannie Mae and Freddie Mac into conservatorships September 2008 they have since received more than $180 billion...

March 02, 2012 Rob Chrisman's Perspectives, Secondary Markets

The Role of Rating Agencies in a Brave New World

There is plenty of blame to go around for the current credit crisis in the mortgage industry: borrowers, lenders, investors, rating agencies – the list...

February 24, 2012 Rob Chrisman's Perspectives, Secondary Markets

Some Recent Historical Perspective on the Agencies’ Impact on Housing

Recently Fannie Mae reported a third-quarter loss of $5.1 billion, compared with a year-ago loss of $1.3 billion. The agency said its third-quarter loss was...

November 21, 2011 Rob Chrisman's Perspectives, Secondary Markets

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

The Two GSE Elephants in the Mortgage Banking Room – Part 1 of 2

“Fannie Mae and Freddie Mac, given their size, prominent role in the mortgage industry, and recent heavy taxpayer subsidies are easy targets for the press....

September 30, 2011 Rob Chrisman's Perspectives, Secondary Markets
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