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Politics and policy

End of FHA pandemic relief to kick off wave of foreclosures

Foreclosures, Ginnie Mae, Politics and policy /

Processing Content Key insight: The FHA tightened the screws on its borrowers by requiring a three-month trial payment period that is now fueling a surge in delinquencies.  What’s at stake: Thousands of borrowers face massive balloon payments, negative equity and soaring taxes and insurance payments as pandemic-era relief options are exhausted. Supporting data: “We need […]

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Funding to build or buy SFR hits market as debate rages

Funding to build or buy SFR hits market as debate rages

Homebuilders, Housing markets, Politics and policy /

The creation of new homes, and for whom they are being built for, is a hot button topic in Washington today.  Processing Content On Monday night, in a social media post, President Trump called on the House of Representatives to pass the Senate version of a housing bill which impacts institutional investors’ ability to purchase

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Rising energy costs may squeeze families, but not the economy

Federal Reserve, Monetary policy, Politics and policy, Trump administration /

Key takeaway: Working-class families are likely to feel the greatest strain from the inflationary pressures spurred by higher energy prices and President Donald Trump’s tariff policies. Expert quote: “Uncertainty raises the option value of waiting, and waiting means not spending now. The uncertainty in the Middle East probably is going to delay major purchases, especially

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NMLS address policy change and pain points with changes

Industry News, Politics and policy /

The Nationwide Multistate Licensing System received an update last month to better reflect a policy change and address pain points. Processing Content NMLS, which provides services to 600,000 users across the financial services industry, made changes to disclosure questions and the employment history reporting process on April 18, the Conference of State Bank Supervisors announced

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Fed flags overheated markets as top stability risk

Federal Reserve, Politics and policy, Regulation and compliance /

Key takeaway: The Federal Reserve said market froth remains the leading risk to financial stability, consistent with its assessment in November.   Expert quote: “Treasury market liquidity initially deteriorated in line with this heightened volatility, demonstrating the vulnerability of market liquidity during periods of acute stress.” —Federal Reserve Financial Stability Report. What’s at stake: The report comes

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Economy added 115,000 jobs in April despite mixed signals

Economic indicators, Economy, Employment data, Monetary policy, Politics and policy /

Key insight: The U.S. added 115,000 jobs in April while unemployment held steady at 4.3%. Supporting data: Newly unemployed workers rose by 358,000 in April to 2.5 million. Forward look: The report could complicate an already divided Federal Reserve as it considers whether to combat inflation spurred by geopolitical risks or foster employment by cutting

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Trump signs bill to expedite tribal mortgage lending

Industry News, Originations, Politics and policy, Trump administration /

President Trump signed new legislation this week aimed to facilitate mortgage lending and open up homeownership to members of Native American communities across the U.S. Processing Content Sponsored by members of South Dakota’s congressional delegation, the Tribal Trust Land Homeownership Act sets new timelines for the review and processing of mortgage applications involving properties on

Trump signs bill to expedite tribal mortgage lending Read More »

Is private credit a new risk for the Federal Home Loan banks?

FHLB, Liquidity, Nonbank, Politics and policy, Regulation and compliance /

Key insight: Insurance company borrowing from the Federal Home Loan banks hit a record $177.8 billion last year, a 10% jump from borrowing levels in 2024, which itself was a 13% increase over 2023. What’s at stake: Insurers are utilizing “spread investing” programs to secure low-cost cash advances from the system and reinvest into higher-yielding

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How FHA’s new loss-mit rules are squeezing servicers

Distressed, Mortgage technology, Politics and policy, Secondary markets, Servicing /

Last year’s update in the Federal Housing Administration’s “waterfall” of actions servicers must take when borrowers go delinquent is creating a surge in trial modifications that presents a particular concern for less sizable players. Processing Content Under the previous pandemic rules, distressed FHA-insured borrowers could repeatedly request assistance with partial claims that reduce payment size

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Fed’s Barr says gas prices could ‘bleed’ into inflation

Economy, Energy industry, Inflation, Monetary policy, Politics and policy /

Key takeaway: Federal Reserve Gov. Michael Barr said rising energy costs — already rising in part due to increased electricity demand from data centers — could be made worse by the Iran war, but how much worse depends on how long the Strait of Hormuz remains closed.  Expert quote: “The most immediate effect is a

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