Blog Articles

4 Ways to Manage Bad Credit: A Guide For Real Estate Investors

By Larry Alton To be a successful real estate investor, you may need access to outside capital in order to finance deals. Here are some options if you have bad credit. View the full article: 4 Ways to Manage Bad Credit: A Guide For Real Estate Investors on The BiggerPockets Blog. This content is Copyright © 2017 BiggerPockets, Inc. All Rights Reserved. Read More

MBA: Mortgage applications drop second week straight

By News feed Mortgage applications dropped again in the latest report from the Mortgage Bankers Association. Most notably, the refinance share of mortgage activity inched very close to 50% of total applications. Read More

Radian: New mortgage insurance written jumps 25% in first quarter

By News feed Radian Group’s new mortgage insurance written jumped 25% in the first quarter 2017, helping drive a strong start to the year. And that isn’t the only area Radian improved. The private mortgage insurer’s total primary mortgage insurance in force increased from last year, while its total number of primary delinquent loans decreased from last year. Read More

TOP 5 WHITE HAT AND BLACK HAT SEO TECHNIQUES

By Jynell Berkshire Search engine optimisation, as with all things in life has a good, wholesome, fair and right way of doing things and a bad, unfair, downright naughty way of doing things. Read More

JPMorgan launching massive ARM-only jumbo RMBS

By News feed After exploring various securitzation structures throughout 2014, JPMorgan Chase & Co. is kicking off its 2015 in a big way, prepping a massive residential mortgage-backed securitization backed entirely by adjustable-rate mortgages. Read More

DBRS: Housing sales will pick up in 2015

By Trey Garrison DBRS is confident that despite a slow start to 2015, the year will be a solid one for home price recovery and a decline in mortgage delinquencies. Here’s why Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

President’s FY2016 HUD budget asks for $49.3B

By Trey Garrison The White House issued its proposed fiscal year 2016 budget, a wish list of the administration’s funding priorities sure to find little welcome in the new Republican-controlled Congress. Here’s how it breaks down. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Urban Institute: 3 predictions for mortgage lending

By News feed A recent seminar hosted by the Urban Institute and CoreLogic brought several industry experts together to address a range of issues related to mortgage insurance. As a result of the discussion, three general predictions emerged. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Flagstar Bank hires two new executives

By News feed Flagstar Bank hired both Mark Landschulz and Jim Levites to head its performing servicing and specialized loan servicing divisions, respectively, where they will help grow the company’s servicing and mortgage operations. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Embrace Home Loans partners with Rockland Trust

By News feed Embrace Home Loans has partnered with Rockland Trust, to further expand its lending operations and increase their competitiveness as the demand for home financing grows. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Nationstar, Walter ready for new FHFA nonbank requirements

By News feed The industry is reacting to the Federal Housing Finance Agency’s new proposed requirement, but the new rules are not bad news for everyone. Top nonbank mortgage sellers are expected to stay strong thanks to their current situations. The little guys aren’t as lucky. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Auction.com projects weak existing home sales in January

By Trey Garrison Auction.com is forecasting weakened existing home sales for January. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Construction spending largely flat in December

By Trey Garrison Construction spending in December slowed, especially in residential and private construction projects. Here are the details. Read More

Black Knight: Recent REO sales gross higher recovery of unpaid balance

By Trey Garrison Black Knight Financial Services’ latest mortgage monitor shows that recent REO sales are grossing a higher recovery of unpaid balances, and that increasing home prices are the driver. Here’s how it could affect investors. Read More

Monday Morning Cup of Coffee: Fannie, Freddie bonds in high demand?

By Trey Garrison If you’ve never read an argument railing against the benefits of financial education, have we got a treat for you. Plus, the week ahead in housing and mortgage finance. Read More

Pinto: We’re building toward another mortgage meltdown

By Trey Garrison Ed Pinto, one of the smartest minds looking at housing, warns that the White House is steering housing policy back into the dangerous waters. Take a look. Read More

Initial 4Q GDP estimate comes in well below analyst expectations

By Trey Garrison Following the third quarter’s upward revised gross domestic product printing at 5%, the GDP for the fourth quarter took a nose-dive. Here’s what happened. Read More

Stop struggling to scale personnel

By News feed As other industries have shown, repeatable and effective scaling requires the implementation of technology to automate sales and production and allow for change to happen efficiently.  Read More

Appraisal Disruption

By News feed Typically, for a process and a product that depends largely on human effort, if you want a higher quality product, you have to pay more. The best doctors, chefs, mechanics and attorneys all make more than the market average. Nevertheless, lenders, AMCs and Fannie Mae all expect appraisal quality to increase even as appraiser fees decrease. Read More

The new economists

By Trey Garrison People are listening to real estate economists today in a way that anyone who covered the industry a decade or more ago would not recognize. Smoke is one of the members of this new wave of real estate economists. In fact, Smoke is actually the newest one on the block. The upstart economists at places like Trulia and Zillow are still new, Smoke is just the latest player to join the game. Read More

Here’s why the customer is always right

By News feed Servicers must consider a positive customer experience to be a compliance mandate in the current regulatory environment. Read More

Geoff Bastow joins Blueberry Systems as chief technology officer

By News feed Blueberry Systems, a provider of advanced technology solutions to the mortgage banking industry, announced that Geoff Bastow joined the company as chief technology officer. Read More

Aspen Grove Solutions adds James Hall as senior vice president

By News feed Aspen Grove Solutions, a provider of property related technology solutions for REO, short sale, asset management, property preservation, vendor management and compliance, added James Hall as the company’s new senior vice president of sales of business development. Read More

Capital Economics: How long will the refi boom last?

By News feed Mortgage rates continue to stay below 4%, triggering another refinancing boom. But even though rates are back down to levels seen a couple years ago, the question remains: How long will it last? Read More

Home Loan Servicing Solutions fires back at mortgage-negligence claims

By News feed Home Loan Servicing Solutions is joining with associate Ocwen Financial, in the fight against investors who claimed that the companies breached their mortgage bond covenants, and is accusing the investors of attempting to profit on their stock holdings in HLSS as opposed to actually caring what happens with the mortgage bonds. Read More

Mortgage interest rates slide in FHFA December index

By Trey Garrison Nationally, interest rates on conventional purchase-money mortgages decreased from November to December. Here’s what happened. Read More

Mortgage risk for agency loans hits record high in December

By Trey Garrison The risk of mortgage defaults on agency loans is growing, reaching a new high in December, and with coming changes it may get worse. Here’s the skinny. Read More

New FHA guidelines to delay reverse mortgage foreclosures

By News feed The U.S. Department of Housing and Urban Development and the Federal Housing Administration announced changes to its reverse mortgage program designed to keep non-borrowing spouses during the foreclosure process. Read More

CFPB wants more mortgages in “underserved” areas

By News feed Right now there are few players in the rural and underserved mortgage lending space. But the Consumer Financial Protection Bureau is now pushing to change that. Read More

Ally reports FY14 net income of $1.2B

By Trey Garrison Ally had a good year, with improved profits and a full payback of TARP funds. Here’s what happened. Read More

Swanepoel lists the 200 most powerful people in real estate

By News feed The list of who’s who in residential real estate is here. Names like Glenn Kelman, CEO and president of Redfin, and Dale Stinton, CEO of the National Association of Realtors, can be found amid the list, with the first and second place names coming off as no surprise. Read More

Freddie Mac: Mortgage rates reverse course, move higher

By News feed Mortgages rate finally reversed course and slightly edged higher. However, despite the increase, rates remain at the lowest levels since May 2013. Read More

Homeownership hits 20-year low in 4Q14

By News feed Homeownership in the fourth quarter hit a 20-year low. Here’s what’s happening. Read More

Pending home sales see second biggest monthly drop since May 2010

By Trey Garrison Pending homes sales stalled out in December, the worst monthly drop since May 2010. Here’s what happened and what it portends. Read More

RealtyTrac: Best markets for buying rental properties

By Trey Garrison Where are the best markets for buying single-family rentals in the first quarter of 2015? RealtyTrac has the answer, and then some. Let’s dive in. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Fitch warns Ocwen-related RMBS deals face major downgrade

By News feed Fitch Ratings is sounding the alarm on residential mortgage-backed securities that contain loans serviced by Ocwen Loan Servicing, an affiliate of Ocwen Financial, telling investors to expect a downgrade on the ratings of Ocwen-related RMBS transactions soon. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Nomura fighting back against FHFA toxic mortgage lawsuit

By News feed Nomura Holdings reportedly does not want to settle with the Federal Housing Finance Agency because it claims that its U.S. unit did not knowingly sell bonds backed by fraudulently originated loans to Fannie Mae and Freddie Mac in the run-up to the crisis. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mary Matalin to keynote second day of ABS West

By Trey Garrison Magic is in the air as it gets closer to ABS West in Las Vegas, and now the event has announced its second keynote speaker. Here’s what’s what. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac prices first 2015 STACR risk-sharing deal

By News feed Freddie Mac announced the pricing of its first Structured Agency Credit Risk transaction of 2015, which marked the first time that investors were offered the opportunity to purchase the first-loss position in a risk-sharing deal. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Judge rules Fannie, Freddie lawsuits can continue

By Trey Garrison A federal claims judge has ruled against the federal government, saying that a lawsuit brought by investors over the treatment of Fannie Mae and Freddie Mac can proceed. Here’s the latest. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Moody’s: FHA premium cut will increase home sales by 45,000 this year

By News feed According to the Moody’s report, the FHA premium cut will reach its maximum impact in mid-2016, when Moody’s Analytics’ model expects annualized home sales to increase by 100,000 as a result of the FHA cut, with 40,000 additional single-family housing starts in 2016 as well. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

S&P reportedly close to massive mortgage-bond rating settlement

By News feed Standard & Poor’s is reportedly closing in on a $1.37 billion settlement with the U.S. Department of Justice and more than a dozen states over claims that S&P knowingly misled investors by issuing trumped up ratings for pre-crisis residential mortgage-backed securities. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

On Julián Castro: I’m not sure there’s any there there

By Trey Garrison After watching him on the Daily Show, you realize Julián Castro may not be the HUD secretary housing needs, but he’s the one the country deserves. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

WATCH: Famous televangelist gives terrible reverse mortgage advice

By Jacob Gaffney In Pat Robertson’s world, there is only one kind of reverse mortgage and that is the Home Equity Conversion Mortgage from the Federal Housing Administration. And, he knows little about it. Nonetheless, he goes right ahead and fires away. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

ABA announces Real Estate Lending conference in Baltimore

By Trey Garrison The American Bankers Association will host its Real Estate Lending Conference, April 8-10 in Baltimore. Regulatory realities and how to make it through will be the focus. Here are the details. Plan accordingly. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

ABA renews endorsement of Fannie Mae secondary market options

By Trey Garrison The ABA says Fannie Mae secondary market options help community banks remain competitive in their local markets. Here’s how. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mortgage applications drop 3.2% after two weeks of strong gains

By Trey Garrison Following two weeks of incredibly strong weekly gains, mortgage applications decreased 3.2% from one week earlier. Here’s what happened. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Executive Conversation: Milt Shaw on leadership and vendor management

By Sarah Wheeler As an AMC, compliance with regulations is a critical component to success. We maintain strong relationships and continuously outperform our competitors. Regulations differ from state to state so we decided to grow slowly and concentrate in building a strong client foundation in California prior to evaluating opportunities in other states. Read More

Trulia doubles MLS partnerships in 2014

By News feed It turns out that 2014 was quite a good year for Trulia in terms of forming new partnerships with multiple listing services. During 2014 alone, Trulia entered into 69 new MLS relationships, with 21 in the fourth quarter alone, more than doubling its previous total. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mortgage Bankers Association adds 21 new members

By News feed See who joined the Mortgage Bankers Association in the month of December. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Moody’s: Ocwen’s California settlement won’t hurt RMBS investors

By News feed For investors in RMBS that contain Ocwen-serviced loans, the impact of the California settlement will be felt, but nowhere nearly as deeply as if Ocwen’s punishment was more severe. But that doesn’t mean that the impact of the settlement is minimal either. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

ICBA: 73% of community banks say regulations hurt mortgage lending

By Trey Garrison Three-quarters of community bankers surveyed say that new mortgage regulations are impacting their ability to serve borrowers, blocking potential buyers from access to mortgage credit. Here are the findings. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Public housing officials won’t verify whether residents are the truly needy

By Trey Garrison In a troubling report, it looks like some people taking advantage of public housing opportunities may not be the people who need public housing, and HUD doesn’t know who is who. Here are the details. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CFPB issues confidential supervisory information bulletin

By News feed The Consumer Financial Protection Bureau reminded the industry just how much power it has on Tuesday, when it issued a bulletin to supervised financial institutions, including nonbank companies, reviewing regulations about the treatment of confidential supervisory information. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

WATCH: HUD Secretary Castro tells Daily Show FHA’s “trajectory” is strong

By News feed HUD Secretary Julián Castro continued his media tour Monday night, joining The Daily Show with Jon Stewart for a wide-ranging discussion touching on the recent announcement that FHA will cut its annual mortgage insurance premiums, whether the government has learned anything from the housing crisis and whether the FHA will need another bailout any time soon. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Pavaso tech solution delivers closing in under 15 minutes

By News feed “We had to verify the times with the escrow officers because we didn’t believe it at first," said Amy Moser, vice president of mortgage services at Mountain America Credit Union. "Digital closings are proving that secure delivery of documents prior to closing is not only convenient to our members, but extremely effective.” Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac’s Frank Nothaft joins Corelogic as chief economist

By News feed After spending nearly 30 years with Freddie Mac, including the last 13 years as Freddie Mac’s chief economist, Frank Nothaft is leaving the government-sponsored enterprise to join Corelogic as the company’s senior vice president and chief economist. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Fannie Mae: Collateral Underwriter not disrupting appraisals

By News feed Before appraisers decide to shoot down any positive side to Fannie Mae’s Collateral Underwriter, Fannie said that they need to see it in action. In an exclusive interview with HousingWire, the enterprise explains its true goals behind the launch and how they will benefit the industry. Read More

Mercury Network: There’s no need to freak out about Collateral Underwriter

By News feed There are 95 Collateral Underwriter messages that affect appraisers, and the majority are the same issues they’ve dealt with for years. So yes, there will be an adjustment period as with any change, but end times are not near. Read More

Arch MI launches new mortgage insurance company

By News feed Arch MI announced it is opening a new mortgage insurance company right as the market starts to increase focus in that area due to new regulations. The new company, AMG, is a mortgage insurance company specifically created for mortgage loans that originators intend to retain in their portfolios or include in private securitizations and is not subject to GSE requirements. Read More

FHFA hearing: GOP fear housing policy headed for Crash 2.0

By Trey Garrison Is the housing policy being charted by the Obama Administration one that will expand housing opportunities or steer us into dangerous waters? Rep. Waters applauds the latest Fannie, Freddie initiatives. While Rep. Read More

S&P Case-Shiller: Is housing ready for spring home-buying season?

By News feed The spring home-buying season is just a couple months away. Due to the latest report on the continued slow down in home-price growth, S&P Case-Shiller believes the market isn’t ready. However, not all economists agree, with at least one giving 2015 a strong forecast. Read More

New home sales in December rise an unbelievable 11.6%

By Trey Garrison New home sales just hit a seven-year high, but skepticism grows about the accuracy of reports with a margin of error in the mid-teens. Here are the details. Read More

Redfin: January home prices up, demand at record level

By Trey Garrison Growing inventory, growing demand and growing interest from first-time buyers are three reasons why Redfin is forecasting a strong January and a strong 2015. Here’s how it breaks down. Read More

January existing home sales come in flat compared to December

By Trey Garrison Auction.com’s Nowcast provides an early peek at existing home sales for January, and compared to December’s number, it’s like the highway between Dallas and Fort Worth — no curves. Here are the details. Read More

D.R. Horton beats expectations, 1Q revenue jumps 38%

By News feed D.R. Horton fared well in the first quarter, with its homebuilding revenue jumping 38% to $2.3 billion, putting it in a strong position to enter the spring selling season. Read More

Monday Morning Cup of Coffee: Ocwen settles “frustrating skirmish” with California

By Trey Garrison Ocwen ended its disastrous week on Friday by settling with the state of California for $2.5 million — but that’s just to ensure the state gets the information it asked for. Any violations that turn up once it has the information could be a whole other ball of wax. Read More

Ocwen sued by investors for mortgage payment negligence

By News feed Some of the country’s biggest mortgage bond investors, reportedly including BlackRock, MetLife, and Pimco, are preparing to sue Ocwen, saying that the beleaguered nonbank failed to properly collect payments on $82 billion of home loans. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow plans event to “hack” housing

By News feed Zillow is planning a weekend “hackathon” where developers will be challenged to invent the most innovative way to make it easier for buyers to find an affordable home. The prize for the most creative idea? $10,000. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Rarity: BofA celebrates new branch opening in Denver

By Jacob Gaffney News comes as bank continues to ditch hundreds of branches in many other markets. The bank is also experimenting with simpler “express” branches, those that do not employ tellers. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Greystone adds Raphael Inzlicht as VP of development

By News feed Greystone, a New York-based real estate development and financial group, added Raphael Inzlicht as the company’s new vice president of development. In this role, Inzlicht will lead new ground-up construction projects in New York’s five boroughs. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

This housing market will never be saved

By News feed According to one bold housing columnist, housing will never spring back to its pre-recession levels. Despite all the government’s best attempts to spur activity again, these headwinds will remain. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac: Hybrid ARMs are “hot”

By News feed Hybrid adjustable-rate mortgages continue to be the most popular ARM loan product offered by lenders and chosen by borrowers, according to the 31st Annual Adjustable-Rate Mortgage Survey of prime loan offerings from Freddie Mac. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Hedge fund claims Ocwen breached bond covenants

By News feed Hedge fund BlueMountain Capital Management sent notices of default to embattled nonbank Ocwen Financial and its affiliated company, Home Loan Servicing Solutions on Friday, saying that Ocwen’s regulatory troubles have caused an “irrefutable” default on notes the hedge fund owns. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow, Trulia merger expected to get FTC go-ahead

By Jacob Gaffney While shareholders approved the deal last month, there were a few hold-ups from regulators. By midday today the share price is up more than 5% for Trulia and more than 10% for Zillow. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

4 reasons borrowers need to refinance now

By News feed Mortgage rates are dropping to record lows once again, creating a similar push to refinance as that seen two years ago. And despite the huge portion of people that chose to refinance at that time, there are still a handful of reasons for why now is still a good, or necessary, time to refinance. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Texas mortgage market will still shine in 2015

By News feed Despite everything going on in the oil industry, the Texas housing market is still poised to shine in 2015. Texas-based Guardian Mortgage explained that 2015 looks to be both bigger and better than last year; itself a pretty decent year. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Existing-home sales recover after last month’s tumble

By News feed After last month’s huge drop, existing-home sales managed to recover and pick back up 2.4%. While this increase is good, there are still several rough patches mentioned in the National Association of Realtors’ report. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Black Knight: Delinquencies drop 7% in December

By Trey Garrison Delinquencies dropped by 7.2% in December, bringing the national delinquency rate back under 6% and down to 5.6% for the month, and nearly 13% down from this time last year. Here’s what’s happening. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow: Will owners of low-end homes start moving up?

By News feed Homeowners at the bottom of the housing tier emerged from 2014 in a stronger position than in previous years, potentially opening the door for the whole market to start shifting up in housing. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Maryland woman sent to prison for stealing from open houses

By News feed According to local authorities, Sally Spaisman, 58, would search the Internet for expensive homes that were on the market, show up at the open houses pretending to be a buyer and use her free reign of the house to steal expensive jewelry from the owners. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

$890 million in subprime vintage debt hits secondary market

By News feed Nearly $900 million in subprime non-agency mortgage bonds from big names like Countrywide, Bear Stearns, and Washington Mutual were part of a $1.01 billion package of vintage debt that hit the secondary market Thursday. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Redwood Trust readies its first jumbo RMBS of 2015

By News feed After a year when the once-prolific Redwood Trust issued only four prime jumbo residential mortgage-backed securitizations, the real estate investment trust is getting out of the gate early and in fine form in 2015 with its first offering of the year. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Community lenders to CFPB: Take down the Rate Tracker

By Trey Garrison The chorus of industry voices against the Consumer Financial Protection Bureau’s Rate Tracker is growing in numbers and volume. Here’s the latest. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CFPB goes after Wells Fargo, JPMorgan for mortgage kickback scheme

By News feed The Consumer Financial Protection Bureau has taken action on two of the country’s biggest banks: Wells Fargo and JPMorgan Chase. Both banks were investigated for an illegal marketing services kickback scheme they participated in with Genuine Title. And while these banks’ actions were cited in the CFPB’s proposal, another bank was left out of the mix due to its good behavior. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Read More

Titan Capital Solutions shifts to buying GSE-rejected loans

By Trey Garrison Titan Capital Solutions of Denver is shifting its focus and has begun purchasing lenders’ “scratch and dent” production; that is, loans rejected by Fannie Mae and Freddie Mac and private investors due to data, document and compliance errors with varying degrees of severity. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Jon Cohn joins RealtyTrac as SVP of data products

By News feed RealtyTrac announced the addition of industry veteran Jon Cohn as the company’s new senior vice president of data products. In this position, Cohn is tasked with designing and building data-based products that will serve a multitude of verticals such as direct marketing, real estate, insurance, and value added resellers. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here are the hottest neighborhoods for 2015

By News feed This year, buyers are finally shifting away from urban and expensive homes. Instead, it’s all about affordability, and this new list from Redfin found the best of both worlds — the most affordable and convenient neighborhoods for 2015. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Initial jobless claims above 300K for third week

By Trey Garrison Initial jobless claims missed expectations yet again, staying well above the 300,000 mark for the third week running. This could bode ill for the rest of the year. Here’s the story. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

How to Protect Your Site From Security Vulnerability

By Jynell Berkshire Your website may have the latest chic formatting and graphics available, but if its security is not up-to-date, the quality of its layout will not matter if it gets hacked. Read More

Fannie Mae: Economy pulls housing out of doldrums

By Trey Garrison Economic growth is expected to accelerate modestly this year and drag last year’s unspectacular housing activity upward, according to Fannie Mae. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac: Mortgage rates fall to new lows

By News feed Mortgage rates remained on their downward trajectory and hovered around the lowest levels since May 2013. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FHFA: Home prices gain 0.8% in November

By Trey Garrison The Federal Housing Finance Agency home price index shows that home prices gained 0.8% in November, following a 0.4% rise the month before. Here are the details. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Flagstar posts 4Q 2014 net income of $11.1 million

By Trey Garrison Flagstar Bancorp reported fourth quarter 2014 net income of $11.1 million, or $0.07 per diluted share, as compared to a net loss of $27.6 million in the third quarter 2014, or $(0.61) per diluted share, and net income of $161.9 million in the fourth quarter 2013, or $2.77 per diluted share. Read More

Seriously underwater properties decrease 2.2 million in 2014

By Trey Garrison The number of seriously underwater homes continues to drop, and the number of equity-rich homes is growing. Here’s what’s happening. Read More

NewOak launches service to help lenders meet non-QM demand

By News feed NewOak’s new Non-Qualified Mortgage Support Services platform was created to help originators and investors in non-QM products to manage increasing regulatory and enforceability risks. Read More

Urban Institute: 4 positive ways FHA cuts will impact mortgages

By News feed There has been a lot of talk around the Federal Housing Administration’s announcement that it is reducing mortgage insurance premiums. Here are four reasons the Urban Institute thinks it’s good news for the mortgage industry. Read More

LRES buys Lenders Choice

By News feed In its latest growth initiative, LRES announced it has acquired Lenders Choice, a residential real estate appraisal management company providing valuation services specifically for the mortgage industry. Read More

Redfin’s Richardson: Quiet shift in housing policy has big implications

By Trey Garrison In an insightful commentary in Forbes, Redfin Chief Economist Nela Richardson notices something from the State of the Union address that few have remarked on — the future role of housing. Read More

New York AG to SCOTUS: Uphold disparate impact in housing

By Trey Garrison The Supreme Court of the United States is hearing the case of Texas Dept. of Housing vs. Inclusive Communities Project, and while many in the industry welcome the expected rejection of disparate impact theory in housing, others oppose overturning its use. Here’s why. Read More

Nationstar scoops huge Fannie, Freddie mortgage servicing portfolio

By News feed Nationstar has closed on the purchase of another mortgage servicing rights portfolio. As a result, the nonbank servicer has officially acquired $43 billion in servicing portfolios since the end of the second quarter 2014. Read More

UBS Group acquires passive stake in Trulia, Zillow

By Trey Garrison The international financial services firm is taking a stake in the two online real estate giants. Here’s what we know so far. Read More

Americans have many problems, but owning a home isn’t one

By Jacob Gaffney The results of the latest Gallup poll show that the average American is still fretting over finances. Let’s be honest, that will never change. But what Americans fret over, financially, does. Read More

S&P settles with SEC for $58 million over bond ratings fraud

By Sarah Wheeler “Investors rely on credit rating agencies like Standard & Poor’s to play it straight when rating complex securities like CMBS,” said Andrew J. Ceresney, director of the SEC Enforcement Division. Read More

HUD’s Castro says first-timers should buy homes right now

By Trey Garrison As a follow-up to Tuesday night’s State of the Union, Housing & Urban Development Secretary Julián Castro sat in for a fireside chat moderated by Zillow Chief Economist Stan Humphries to discuss housing challenges going forward. Here’s what they had to say. Read More

Here’s why Standard & Poor’s mortgage bond fraud is so shocking

By Jacob Gaffney “They lied,” one source said of the SEC charge that S&P “published a false and misleading article purporting to show that its new credit enhancement levels [for CMBS ratings] could withstand Great Depression-era levels of economic stress.” But that’s still not the most shocking development. Read More

Housing starts up but permits post lowest growth since mid-2011

By Trey Garrison Building permits dropped for the second month in a row, down 1.9% in December and missing expectations of a 0.6% rise. Meanwhile, housing starts rose back to near cycle highs. Here are the details. Read More

Fifth Third posts $1.5B net income in 2014, down 19%

By Trey Garrison Fifth Third Bancorp reported full year 2014 net income of $1.5 billion, down 19% from net income of $1.8 billion in 2013 and with a big drop in mortgage activity. Here are the details. Read More

Mortgage apps continue gains, up 14.2%

By Trey Garrison A week after jumping 49%, mortgage applications gained another 14.2%. Here’s why. Read More

Are mortgage lenders ready for a total makeover?

By News feed Is it possible that in the coming years we will live in a world where the future becomes flexible enough to accommodate the things we can’t see or even imagine? The term for this is the “unknown’s unknown” — where the trends and disrupters that are hard to understand today will have a dramatic unforeseen impact on how we do business tomorrow. Read More

Altisource adds John Vella as chief revenue officer

By News feed As part of the company’s efforts to shape its future, Altisource Portfolio Solutions announced that it appointed John Vella to the newly created position of chief revenue officer. In this new role, Vella will focus on the company’s growth initiatives and diversifying the reach of Altisource’s product suite to the real estate and mortgage industries. Read More

Freddie Mac to sell first-loss position in new risk-sharing deal

By News feed Freddie Mac is planning to bring its second credit risk-sharing offering of 2015 to market soon, but this new offering will be unlike any of the other risk-sharing deals Freddie has offered up so far. The deal will give investors something that they’ve been unable to get their hands on until now — the first-loss position. Read More

There’s no more room for appraisal fraud

By News feed Appraisal fraud has drastically tumbled ever since the financial crisis. Which sounds like a good thing, right? According to one expert, it isn’t. The solution put in place might ruin the appraisal industry. Read More

How much will Ocwen pay William Erbey to leave?

By News feed William Erbey may be leaving Ocwen Financial behind after being forced to resign from his position as executive chairman as part of a massive settlement with the New York Department of Financial Services, but he is not leaving empty-handed. Far from it, in fact. Read More

Freddie Mac: Housing to get boost in 2015 but it won’t last

By Trey Garrison Freddie Mac says it expects mortgage rates to hover around 4% through mid-2015, and while there are some of the positive tailwinds buoying the economy at the start of the year, some may not stick around for long. Here’s why. Read More

SCOTUS hearing disparate impact case could rock housing industry

By Trey Garrison This week the Supreme Court of the United States is hearing the case of Texas Dept. of Housing vs. Inclusive Communities. This could shake housing to its foundation. Here’s the scoop. Read More

Obama State of the Union to touch on housing, focus on tax hikes

By Trey Garrison Tonight is the second-to-last State of the Union for President Obama, and for the first time in four years, it will touch on housing. Here’s what we’re looking at. Read More

Progress Residential launching second single-family rental securitization

By News feed After launching its first single-family rental securitization in September 2014, Progress Residential is prepping its second such offering, which will be larger than the company’s first securitzation. Progress Residential 2015-SFR1 is collateralized by a $563 million loan secured by first priority mortgages on 4,028 income-producing single-family homes. Read More

Experian: More Americans miss monthly mortgage payment

By News feed Although credit default rates continued to edge higher for the month of December 2014, they are still down from a year ago. Looking at the top cities, Chicago, Dallas, New York and Los Angeles all reported default rate increases in December. Read More

Washington Post: Move to lower FHA premiums ‘risky’

By Trey Garrison No natural adversary to the White House’s agenda, the Washington Post’s editorial board calls the move by President Obama and the Federal Housing Administration to lower FHA premiums risky. Here’s why. Read More

Homebuilder confidence declines slightly in January

By Trey Garrison Builders remain confident despite a slowdown in traffic from prospective buyers. Here are the details of what construction folks are thinking. Read More

Bitcoin Price – Seems Stabilized

By Jynell Berkshire Bitcoin Price – Seems Stabilized The price of BTC has been up and down lately, and is around the 200 mark. It might go back up higher, but if it does you can bet it won’t be by a lot. Read More

MGIC 4Q net income soars to $74.4M after a net loss last year

By News feed MGIC’s earnings reversed course after last year’s net loss, reporting fourth-quarter net income of $74.4 million, compared with a net loss of $1.4 million for the same quarter a year ago. Read More

Laurie Weston Davis joins Revaluate

By News feed New York-based online real estate startup Revaluate announced the addition of Laurie Weston Davis as director of social media. Davis’ addition is expected to help the Revaluate management team broaden the company’s reach to a larger audience, the company said in a release. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Builder confidence and housing starts, sales and prices headline the week

By Trey Garrison With just a few mortgage-focused earnings coming out this week the emphasis will be on a slate of housing metrics coming from homebuilders, the Federal Housing Finance Agency and the Census Bureau. Here’s what to expect. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Barney Frank to keynote ABS West

By Trey Garrison Two names are never far from the mind of anyone in investments and finance, and one of the two names will be the keynote speaker at this years ABS West convention in Las Vegas – Barney Frank. With the new Republican House and Senate poised to give Dodd-Frank a once over, here’s why it’s important. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

KBRA unveils new mortgage default and loss model

By News feed Citing ongoing analysis of mortgage performance and evolving origination trends, Kroll Bond Rating Agency released an update to its residential mortgage default and loss model, including revising the timeline and expenses associated with liquidated loans and adjusting the penalty for high debt-to-income ratio loans. Read More

Schneiderman to target more banks for mortgage securities fraud

By News feed It’s not over for big banks. New York’s attorney general said he plans to keep bringing more fraud cases against banks for selling shoddy mortgage-backed securities before the financial crisis. Read More

Open Mortgage names Katherine Leddy director of business development

By News feed Open Mortgage announced the addition of Katherine Leddy as director of business development. In this role, Leddy is tasked with growing Open Mortgage’s bank and credit union mortgage lending programs. Read More

Lenda to critics: This is the future of mortgage lending

By News feed Loan officers hate them but the industry is following them. Lenda is one of the few firms paving the way for online mortgages. And while brokers strongly disagree, to the Lenda CEO, this is the price tag of progress. Read More

Altisource CEO: We’re committed to supporting Ocwen

By News feed Executives from Altisource Portfolio Solutions attempted to calm the company’s investors in a call Friday, sharing their preliminary view of the fourth quarter and their plans for 2015.The company stands shaken after its executive chairman, William Erbey, was forced to resign as part of $150 million settlement with the New York Department of Financial Services. Read More

Bankers: Optimistic about economy, housing in 2015

By Trey Garrison Even one-handed economists can’t come to a single forecast, but economists at the American Bankers Association come together in their outlook for the economy and housing in 2015. Here’s where they land. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Will big banks sue the government for too much oversight?

By News feed MetLife is pushing back and suing the Financial Stability Oversight Council over its decision to designate it a non-bank systemically important financial institution. At the same time, regulators are hounding the rest of the industry, especially housing. Could this be the inspiration the rest of the industry needs to fight back? Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here’s how much the FHA premium cut will actually save borrowers

By News feed The Obama administration said that the FHA premium cut would save an average first-time homebuyer $900 in their annual mortgage payment, but new analysis from RealtyTrac reveals just how much FHA borrowers will actually save. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here’s how oil’s drop could impact housing construction

By Trey Garrison Tumbling oil prices have led Moody’s Investors Service to lower its pricing assumptions for the two benchmark crude oils, and to provide a look at how a sustained period of lower oil prices would affect construction. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Moody’s: FHA premium cut a credit positive for HFAs

By Trey Garrison Last week the White House directed the Federal Housing Administration to reduce annual mortgage insurance premiums by 50 basis points, from 1.35% to 0.85%, and now Moody’s Investor Services says it will be a positive for Housing Finance Agencies. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Goldman Sachs’ revenue drops to $7.69 billion in 4Q

By News feed Goldman Sachs’ fourth-quarter net revenues dropped from a year ago to $7.69 billion. But despite the decline, the bank still beat earning estimates. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

SunTrust 4Q earnings dented by mortgage expenses

By News feed SunTrust’s earnings still beat earnings per share forecasts despite a drop in its fourth-quarter earnings from mortgage-related legal expenses. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

More industry voices demand CFPB take down Rate Checker

By Trey Garrison The battle over the Consumer Financial Protection Bureau’s new “borrower education tool” unveiled earlier this week is heating up, with the National Association of Mortgage Bankers now joining the Mortgage Bankers Association in calling on the CFPB to take the “Rate Checker” online tool down. Here’s the scoop. Read More

Credit Suisse planning 2015’s second jumbo RMBS

By News feed Credit Suisse is set to bring the year’s second prime, jumbo residential mortgage-backed securitization to market. The $381.59 million offering was assigned mostly AAA ratings by credit ratings agency DBRS. Read More

Fitch: 6 predictions for housing in 2015

By News feed We may be two weeks into 2015, but that doesn’t mean we’re out of the range of predictions for the year. Analysts from Fitch Ratings weighed in with their predictions for 2015 in their Global Housing and Mortgage Outlook, and there’s good news and bad news. Read More

Credit Plus introduces technology for asset verification

By News feed Credit Plus announced it will be offering instant, electronic verifications of deposits and assets through AccountChek. In an exclusive interview with HousingWire, Credit Plus explained three reasons this is good news for the industry. Read More

NAR joins patent reform group

By News feed The National Association of Realtors is joining a group that wants to fight what it calls patent trolling. Here’s why. Read More

Mortgage business mixed at the Big Four banks in 4Q

By Trey Garrison The Big Four banks have reported their fourth quarter and full year earnings, and here’s a look at what happened in their mortgage space. Read More

REMN Wholesale launches 97% LTV program

By News feed REMN Wholesale announced it will jump on the Federal Housing Finance Agency’s 97% loan-to-value bandwagon. The move falls in line with the lender’s commitment to offering responsible borrowers affordable products. Read More

Auction.com bolsters single-family residential division

By News feed Auction.com, the online real estate marketplace, announced that it added two executives to its single-family residential division. Rob Behrend joins the company as senior vice president of single-family residential and Hauke Schupp joins the company as senior vice president of operational excellence. Read More

Movement Mortgage plans to nearly double in size

By News feed Movement Mortgage, formerly known as New American Mortgage, is rapidly growing despite starting its business in the middle of the financial crisis. The company just announced that with its new headquarters, it will create 650 jobs. Read More

Cash home sales continue decline, falling 38.7% YOY

By Trey Garrison Cash sales made up 35.5% of total home sales in October 2014, down from 38.7% in October 2013, and the trend is continuing downward. Here’s what’s happening and what it means for housing. Read More

Will 2015 be better for California’s housing market?

By News feed Now that California is past last year’s tepid housing market, it should fare better in 2015, thanks to mortgage interest rates trending lower and loosening mortgage standards. Read More

Mortgage Returns adds Rich Levy to executive team

By News feed Levy brings more than 20 years of experience in business development, sales management, building sales teams, and improving sales processes to his new role at Mortgage Returns. Read More

CFPB: Mortgage Rate Checker here to stay

By Trey Garrison Despite concerns from mortgage bankers and lenders that the Rate Checker tool on the CFPB website might rate-bait borrowers, the bureau isn’t budging. Here’s why they’re standing behind the initiative. Read More

Freddie Mac: Mortgage rates drop again

By News feed Mortgage rates dropped for the third consecutive week as oil prices plummeted and long term treasury yields continued to drop despite a strong employment report. Read More

Citigroup 4Q net income tumbles to $350M

By News feed Citigroup’s fourth-quarter earnings were significantly impacted by higher operating expenses. But despite the tough year, Michael Corbat, CEO of Citigroup, said the difficult year helped to pave the way for a strong 2015. Read More

Impact Your Success With Gratitude

Impact Your Success With Gratitude

By Jynell Berkshire Did you know you can impact your success with gratitude? In fact, the more grateful you are for what you already have (however minimal it may be), the faster you can achieve the success that you are looking for. It’s that old saying “mind over matter”. I’m sure you’ve heard of that. If you’re like me, you’ve probably also heard the expression “what you focus on, expands”. Read More

BofA misses on revenues, posting $18.7B in 4Q

By Trey Garrison While the cost of legacy asset services from the Countrywide portfolio were down, losses in consumer real estate service revenue were part of the reason BAC missed on revenues by a large margin. Here are the details. Read More

RealtyTrac: Foreclosure starts increase two months straight

By News feed Foreclosure starts in December increased for the second consecutive month. However, according to Daren Blomquist, vice president at RealtyTrac, this is to be expected. Read More

The Economic Reality: What’s Ahead in 2015

By Jynell Berkshire When we said goodbye to the year 2014, the Dow Jones Industrial Average had closed at 17,823.07. It may not have had its best day on December 31st, but overall, the Dow finished the year 7.52% higher. Read More

Lone Wolf names Don Harkness chief financial officer

By News feed Lone Wolf Real Estate Technologies announced that it named Don Harkness to the position of chief financial officer. In this role, Harkness will oversee the planning, implementation, management and control of all financial activities for the company. Read More

Barclays: California situation could destroy Ocwen

By News feed In a note to clients, Barclays analysts suggest that Ocwen may be facing a New York-esque problem in California and wonder if this is the beginning of the end for the troubled nonbank. Read More

Invitation Homes prepping new single-family rental securitization

By News feed Invitation Homes will the first out of the gate in 2015, as the Blackstone Group subsidiary is prepping the year’s first single-family rental securitzation. The offering, Invitation Homes 2015-SFR1, will be collateralized by a $540.9 million loan secured by first priority mortgages on 3,072 income-producing single-family homes. Read More

Solar power: Will homeowners pay the extra costs?

By News feed Demand for solar power homes has steadily gained ground in the housing market. While there was little research to back up the technology before, a new study helps shows the truth behind the demand. Read More

How to Choose the Right Rental Property Manager

By Seth Williams If you’re anything like me, you probably LOVE the idea of “passive income.” It’s okay to admit it. It’s a buzz word we’ve all been hearing about for years now, and let’s be honest… who wouldn’t want several large paychecks to finance their lifestyle? Would it be so bad if those paychecks kept coming in month after month, year after year, […] View the full article: How to Choose the Right Rental Property Manager on on The BiggerPockets Blog. Read More

Beige Book: Economy picked up in late 2014 but not housing

By Trey Garrison The Beige Book looks at all the Federal Reserve districts in excruciating detail. We wade through it all and break out the mortgage finance and housing activity. Here’s what happened. Read More

Two Harbors launching this year’s first jumbo RMBS

By News feed Agate Bay Mortgage Trust 2015-1 is backed by 406 loans with a total principal balance of $279,487,083 and an average loan balance of $688,392. Fitch Ratings and DBRS both issued presale reports for the offering and both awarded nearly $260 million in AAA ratings to the offering. Read More

Fitch: Fourth quarter set post-crisis record for jumbo RMBS issuance

By News feed The last three months of 2014 saw more prime jumbo residential mortgage-backed securitizations issued than in any quarter since the financial crisis began, but the issuance is still “glacial by historical standards,” according to a new report from Fitch Ratings. Read More

Wells Fargo posts $23.1B annual net income

By Trey Garrison Wells Fargo met expectations on the Street, but its mortgage business was down despite a pick up in quarterly originations. Here are the details. Read More

JPM posts $23.6B 4Q revenue, missing expectations by $40M

By Trey Garrison Mortgage activity for JPM improved in the fourth quarter, but quarterly and annual revenues were down while net revenue for the year hit a record $21.8 billion. Here’s how. Read More

Mortgage applications surge incredible 49%

By Trey Garrison After a weak holiday period, mortgage applications roared back the first week of January, with refinancings leading the way to an incredible weekly gain not seen since November 2008. Here’s why. Read More

Ocwen stock eviscerated by threat of California license suspension

By News feed To say that Ocwen Financial took a beating on Wall Street Tuesday would be the understatement of the century. The company suffered a loss of more than $550 million in value after news that the state of California was seeking to suspend its mortgage license. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Inlanta Mortgage expands in Florida, Illinois

By News feed Inlanta Mortgage continues to grow, adding new branches in Florida and Illinois. This is the latest is a series of growth initiatives from the lender. Back in September 2014, Inlanta announced a new office in Minneapolis, and in April 2014, it announced the promotion of two executive positions. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

U.S. Supreme Court rejects RBC and Nomura mortgage suit appeal

By News feed The U.S. Supreme Court turned away an appeal by four banks, in a case stemming from the collapse of two credit unions that owned more than $1.7 billion in mortgage-backed securities. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Rudy Orman joins Carrington as managing director of business development

By News feed Carrington Holding Company announced that it named Rudy Orman managing director of business development for Carrington Mortgage Holdings. Orman brings more than 29 years of industry experience to Carrington. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CFPB Director wants more from mortgage servicers

By News feed Consumer Financial Protection Bureau Director Richard Cordray’s disgruntled relationship with the mortgage servicing industry has deep roots. And judging by his latest speech at the Brookings Institution, not much has changed in his eyes. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Castro: No further FHA fee reductions under consideration

By News feed Lest anyone think that last week’s announcement that the Federal Housing Administration will cut its annual mortgage insurance premiums was a harbinger of more cuts to FHA fees, HUD Secretary Julián Castro told a crowd in Washington, D.C. that no further FHA fee reductions are under consideration. Read More

Hensarling tells CFPB to ditch costly office renovations

By Trey Garrison Just one week into the new Congress, the head of the House Financial Services Committee is letting the CFPB know the issue of the hundreds of millions it’s spending on a leased office building isn’t going away. Here’s what’s happening. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

S&P nears $1 billion mortgage settlement

By News feed Standard & Poor’s settlement with the Justice Department is almost done, closing the door to problematic ratings that date back to the financial crisis. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Supreme Court eases notification rules for mortgage rescissions

By Trey Garrison In a blow to lenders, the Supreme Court just made things a little easier for borrowers to walk away from underwater mortgages with its ruling on what TILA says. Here are the details lenders need to know. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Housing sales weak heading into 2015

By Trey Garrison The sharp decline in new and existing home sales in November is not a sign that the housing recovery is coming off the rails, but it is troubling. Read More

Quicken Loans: Home values moved lower in December

By Trey Garrison December marks the sixth consecutive month that appraiser and homeowner opinions have moved closer together, but appraisers in more than 77% of the included metro areas still have higher opinions of home values than owners. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Lower FHA Fees: The right policy at the right time

By News feed Realtors support responsible lending to qualified buyers; this is essential for building strong communities. This mortgage insurance reduction is not about repeating the mistakes of the past, in which underqualified buyers received loans they could never repay. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

California threatens to suspend Ocwen’s mortgage license

By News feed It’s not just New York that’s looking to punish Ocwen Financial for its business practices. Now, the entire state of California is coming after Ocwen, too. And if it succeeds, it would be a massive blow to the nonbank servicer’s portfolio of loans. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CFPB releases homebuyer mortgage education tool

By News feed The Consumer Financial Protection Bureau took action to overcome the overwhelming percentage of borrowers who do not shop around for a mortgage. This new tool is designed to educate borrowers and hopefully prevent bad debt purchases. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Noah Martin joins Jordan Capital Finance

By News feed Noah Martin, who was honored as part of HousingWire’s 2014 Rising Stars, has joined Jordan Capital Finance as the company’s new senior vice president of business development. Martin joins Jordan Capital from Matt Martin Real Estate Management, where he was chief business development officer. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Guaranteed Rate names George Allen regional manager

By News feed Guaranteed Rate announced a new regional manager to oversee the company’s mortgage lending, sales and operations in New Jersey and Pennsylvania. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Real estate agent narrowly escapes kidnapping by registered sex offender

By News feed A California real estate agent is safe after escaping a kidnapping attempt by outsmarting a registered sex offender, who lured her to a house under false pretenses and held her at gunpoint. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The future of the Dallas mortgage market

By News feed For the second year in a row, Dallas-Fort Worth ranked as the fifth-best area in which to build or invest in real estate, paving the way into 2015. But the forecast isn’t all positive. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Brooklyn co-op charged with discriminating against disabled veteran

By News feed A Brooklyn cooperative development is in hot water with the U.S. Department of Housing and Urban Development for refusing to allow a disabled veteran to keep an emotional support dog and threatening the veteran and his wife with eviction in retaliation for filing a fair housing complaint. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Trade groups balk at FHFA attempt to redefine Home Loan Bank membership

By News feed The Federal Housing Finance Agency’s comment period for its proposed rule on the Federal Home Loan Bank officially ends Monday. And it appears the comments were not very positive. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here’s how falling oil prices could hit the mortgage industry

By Trey Garrison Oil prices aren’t going up anytime soon, and we could be looking at $35-per-barrel oil before all is said and done. Here’s how that could impact housing and mortgage finance. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Rebecca Jensen named president & CEO of Midwest Real Estate Data

By News feed Midwest Real Estate Data, the multiple listing service for the Chicagoland area, named Rebecca Jensen as its new president and chief executive officer. Jensen joins MRED from the UtahRealEstate.com MLS, where she has been CEO since 2007. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Appraisers worry new Fannie Mae program could bust deals

By Trey Garrison A new program that launches later this month from Fannie Mae could lead to slower and costlier home sale closings and more disputes over prices between sellers and buyers. Here are the details. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Canadians remain top foreign U.S. homebuyers

By News feed Canadians continue to move south in search of the perfect vacation or investment property, keeping them America’s number-one foreign U.S. homebuyer. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Black Knight: Affordable homes lagging behind in home price recovery

By Trey Garrison The most affordable homes in the United States are lagging far behind other, higher priced homes, well below their pre-crisis peaks. Here’s why. Read More

Monday Morning Cup of Coffee: Oil, FHA premiums and mortgage bonds

By Trey Garrison The first full week of January had a lot of moving parts that will have long-lasting effects on housing going forward. Let’s dive into the pool headfirst. Read More

Business Toolbox: The Ultimate Guide on Sending Cold Emails

By Jynell Berkshire The cold email is our century’s version of the cold call. Like a cold call, the same trepidation and confusion can stifle the efficacy of your cold emails. Read More

Freddie Mac doubles down on credit risk offload to insurers

By News feed Freddie Mac has made its first move of the year as part of its continuing effort to limit the American taxpayer’s liability. Freddie announced that has obtained a number of insurance polices designed to cover much of the remaining credit risk associated with three of its Structured Agency Credit Risk transactions from 2014. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Kofax launches e-signature solution

By News feed Kofax Limited released its newest technology and announced the availability of the Kofax SignDoc family of e-signature solutions. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Executive Conversation: DocMagic reveals where eMortgages are headed

By News feed Last year brought a lot of chatter about the likelihood of a true eMortgage. HousingWire sat down in an exclusive interview with DocMagic CEO and President to show just how predominant this will be moving into 2015 Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FHA insurance reduction will boost housing, maybe

By News feed While many think that the reduction will help millions of families save billions of dollars in mortgage payments, not everyone does. And in fact, the dent might be rather small. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Forbes: CFPB fails to protect consumers

By Trey Garrison The Consumer Financial Protection Bureau’s rules for banks on mortgage lending have had a deleterious effect on lenders, but the problems extend far beyond the one-size-fits-all regulations. Read More

Charity donates $800,000 to widows of slain NYPD cops for mortgages

By News feed This charity was able to raise even more than the $800,000 needed to pay off the mortgages for the widows of two slain NYPD cops. Read More

Homeownership: Do immigrants want it more?

By News feed Americans no longer value the dream of homeownership, but one group still does: immigrants. And they just might be the key to saving housing. Read More

The top 20 cities for housing investments

By News feed As more people decide to jump into either homeownership or become investors, there are still plenty of places were housing is a pretty safe bet. And Texas and Florida appear to taking over the list of best places. Read More

Flagstar Bank promotes Brian Vieaux to national sales director

By News feed Michigan-based Flagstar Bank has promoted Brian Vieaux to the position of national sales director for wholesale lending. Vieaux joined Flagstar in 2012 as senior vice president and head of home lending with responsibility for Flagstar’s national network of retail home loan centers. Read More

CSC acquires e-document business from PropertyInfo

By News feed Corporation Service Company announced that it has acquired the electronic document recording submitter business of PropertyInfo Corporation. By becoming part of the CSC network, current PropertyInfo customers will now have access to more than 600 additional counties for eRecording. Read More

Guardian Mortgage: 4 bold predictions for housing

By News feed While the industry said goodbye to 2014, it may not have said goodbye to rising home prices or loosening credit standards. Here are Guardian Mortgage’s predictions for what will stay, what will leave and what will change in 2015. Read More

4 reasons lowering FHA premiums is a bad idea

By Trey Garrison Most everyone is applauding the move by the White House to lower FHA premiums. Most everyone isn’t looking beyond their immediate gain. Read More

Employers added 252K jobs in December, beating expectations

By Trey Garrison The economy added 252,000 jobs in December, but wages nose-dived the most since 2006, meaning the job recovery is focused in the low-paying service industry. Here’s how it breaks down. Read More

MERS’ rights as a mortgagee upheld in Illinois

By News feed MERSCORP has again come out victorious in a legal challenge brought against the company by a disgruntled homeowner. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

First Valuation promotes Jordan Wilde to VP of sales and marketing

By News feed First Valuation announced that it has promoted Jordan Wilde to the position of vice president of sales and marketing. Wilde joined First Valuation in February 2014 as national account executive, based in the Dallas/Ft. Worth area. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Will homebuilders benefit from lower FHA premiums?

By News feed The Federal Housing Administration’s news that it is reducing the annual mortgage insurance premiums is not only good news for homebuyers but also for homebuilders. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow: Mortgage rates fall to 19-month low

By News feed The interest rate for a 30-year, fixed-rate mortgage fell again last week, plunging to a 19-month low, according to a new report from Zillow. The cause? Slowing global growth, weak equity markets, falling oil prices and low market activity over the New Year’s holiday. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The 5 most important compliance issues for 2015

By Trey Garrison It’s a regulatory jungle out there and in one way or another, everyone thinks it could be trimmed, styled or smartened up. Here are the five leading contenders for the most important compliance issues facing financial institutions. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here’s what ‘Housing Twitter’ had to say about Obama’s speech

By Trey Garrison Housing voices on Twitter had a lot to say about the President’s speech in Phoenix. Here are some of the best of the best. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

ARMCO names Phil McCall chief operating officer

By News feed ARMCO, a provider of web-based audit technology for the financial services industry, announced that it has chosen Phil McCall as the company’s new chief operating officer. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Housing to help drive employment and economy in 2015

By News feed The improvement in the nation’s employment situation is expected to keep pace in 2015. And one of the biggest factors to drive this growth: Housing. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

MBA: Mortgage credit got more available in December

By Trey Garrison Mortgage credit availability increased, but there wasn’t a lot of action in December, in part because the GSEs’ new commitment to 97% LTV loans wasn’t underway for most of the month. Here are the details and what’s to come. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Everything you need to know about President Obama lowering FHA premiums

By Trey Garrison The president said he will direct FHA to cut its premiums 0.5%, but questions remain whether it will really boost homeownership, and whether Congress will push back against the move. Here’s what’s next. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow: Here’s how a 50 bps FHA premium cut would break down

By Trey Garrison So, President Obama made official his decision to direct the FHA to cut premiums by 0.5%. Here’s how it will play out for homebuyers. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Impac reveals latest mortgage lending expansion

By News feed Impac Mortgage finally put a name to the company it has been in talks to acquire. This is just the latest growth from Impac as it strategizes for 2015’s changing mortgage lending environment. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac: Mortgage rates begin 2015 at record lows

By News feed Mortgage rates continued their downward trajectory into 2015 as concerns about the global economy kept bond yields and rates lower. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Trulia: What falling oil prices mean for home prices

By Trey Garrison Home price growth slowed in December, and looking forward the drop in oil prices is going to have a definitive, if delayed, effect on home prices, depending on the market. Read More

CoreLogic: 5.1M properties remain in negative equity in Q3 2014

By Trey Garrison More than a quarter million gained positive equity in the homes in the third quarter, but 5.1 million homeowners are still underwater. Here is what it means. Read More

Raphael Bostic elected to Freddie Mac board of governors

By News feed Raphael Bostic, who served as assistant secretary for policy development and research at the U.S. Department of Housing and Urban Development from 2009 to 2012, has been named to the board of governors of Freddie Mac. Read More

Former HUD employee jailed for stealing $843K from government

By News feed A former loan guarantee specialist for the U.S. Department of Housing and Urban Development will spend the next two years in prison for stealing $843,000 from the federal government. Read More

Fannie Mae’s new appraisal system really just back to basics

By News feed Peer review is back at center stage with the Fannie Mae Collateral Underwriter and so are substantiated adjustments and good comp selection practices. Sound familiar? This is nothing new. This is old school appraising utilizing technology. Read More

Fed minutes: “Housing sector generally remained slow”

By News feed Although the nation is improving at a moderate pace, housing is struggling to keep pace as reports during the intermeeting period painted a less than hot market. Read More

North Texas is the country’s hottest rental market right now

By News feed The Dallas-Fort Worth housing market is surging across the board, making North Texas the strongest market nationwide. Read More

Zillow ending listing agreement with Listhub

By News feed The ongoing battle between the giants of online real estate just experienced its latest escalation, as Zillow disclosed that its listing agreement with Listhub will end on April 7. The company that operates Listhub is owned by Move, Inc., which operates Realtor.com for the National Association of Realtors. Read More

News Corp era begins with big changes at Move

By News feed Now that Move Inc., which operates Realtor.com for the National Association of Realtors, is officially owned by News Corp, the worldwide media conglomerate has begun to exert its influence and big changes are afoot at Move. First on the agenda, the installation of one of its own as Move’s CEO. Read More

It’s official: Obama to direct FHA to cut mortgage insurance premiums

By Trey Garrison It’s official now, the White House confirms to HousingWire it is going to direct the FHA to cut premiums by 0.5%. Here are the details, and what’s next. Read More

Fannie Mae: Consumers not confident on housing investment

By Trey Garrison While consumers are starting to feel more confident about the economy, when they look at the idea of homebuying, they’re getting cold feet. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

SolarCity announces another investment fund with JPMorgan

By News feed Solar power projects are gaining prominence in housing, and thanks to investments, like this one between Solarcity and JPMorgan, it is becoming more feasible for homeowners. But do the panels add value to homes? Read More

White House may cut FHA premiums 50 bps by executive action

By Trey Garrison The President could announce a plan to lower FHA premiums by 50 basis points when he talks about housing policy in a speech Thursday in Phoenix. But such a move would be met with considerable opposition in Congress. Read More

Radian: Mortgage delinquencies steadily decrease

By News feed Private mortgage insurer Radian continued to grow, writing $3.43 billion in new primary mortgage insurance in December 2014. Read More

Mortgage apps plunge 9.1% over two-week period

By Trey Garrison It was a rough two week for mortgage applications, both purchase and refi applications. Here’s what happened. Read More

How do borrowers define excellence?

By News feed Why can’t the consumer have total transparency and track their loan (start to finish) through a smartphone application? Borrower surveys point to the time between application and approval as being the most stressful for borrowers. If anxiety is driven by the unknown, shouldn’t lenders take the unknown out of the equation? Read More

Arizona Realtor cleared to use drone to show homes

By News feed An Arizona Realtor has become the first to gain authorization from the Federal Aviation Administration to use a drone for real estate photography. But Douglas Trudeau said he’s not going to charge his clients any extra for the use of the drone. Read More

HW30: Two Harbors and BofA named top stocks to watch

By News feed Two stocks listed on HousingWire’s HW30 were listed as top financial and real estate stocks to watch in 2015 by FBR Capital Markets. Here’s why their forecasts are so strong. Read More

Urban Institute: Stop charging borrowers for yesterday’s mistakes, FHA

By Trey Garrison The Urban Institute says that the Federal Housing Administration needs to update its approach to insurance premiums. Here’s how. Read More

FBR: Mortgage banking will rejuvenate in 2015

By News feed After both mortgage banks and specialty servicers faced significant headwinds last year, 2015 is projected to be much better for banks. However, the same can’t be said for servicers. Read More

Luxury home sales boom in Texas

By Trey Garrison The Texas economy continues to roll hard, with home sales in general and luxury sales in particular booming. But what will happen to home sales as the price of oil continues to drop? Read More

SecurityNational Mortgage settles with BofA and Countrywide

By News feed SecurityNational Mortgage Company reached a settlement with Bank of America and Countrywide Home Loans, finally resolving issues over mortgage loans it previously sold. Read More

Another firm sees positive future for Nationstar

By News feed Once again, a firm is shining a positive light on Nationstar. This time FRB Capital Market cited three key factors on why it upgraded the nonbank servicer to outperform from market perform. Read More

Ocwen volatile over concerns company could lose existing servicing

By Trey Garrison Ocwen’s stock has been volatile but Sterne Agee continues to rate the company neutral despite investor concerns. Here are the details. Read More

President to speak on Fannie, Freddie on Thursday

By Trey Garrison The fate of the GSEs is still uncertain, but the President will discuss housing, and some hope there’s a chance shareholder rights could be restored if GSE reform continues to stall. Read More

CoreLogic: Home prices continue to moderate

By News feed While home prices reported 33 months of straight year-over-year increases, they are finally starting to moderate. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Bankrate.com: Expect Fed to move on interest rates by mid-year

By Trey Garrison Bankrate.com expects movement sooner than others, but not as much of an increase as most. Here’s why. Read More

RealtyTrac taps Keyes Company for broker program

By Trey Garrison RealtyTrac is growing its exclusive broker program, and the latest achievement is in South Florida. Here are the details of the deal. Read More

Lender agrees to pay $4.2 million for post-crash mortgage fraud

By Trey Garrison Here’s what the Department of Justice got out of this lender. Read More

Barclays backs Fidelity’s Black Knight IPO big time

By News feed Barclays is strong backing Black Knight Financial Services’ recent potential initial public offering announcement, believing it’s an attractive opportunity for investors. Read More

Here’s where all the millennials are going

By News feed This year is forecasted to be the year that millennials finally break into housing, and what better place than the nation’s capital? Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

High cost of California housing driving resident exodus

By News feed Experts have identified the rising cost of California housing, which boasts many of the nation’s most expensive markets, as the main reason people are leaving the Golden State for greener pastures. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Construction spending reverses course in November, falls slightly

By News feed Construction spending fell after last month’s uptick. However, its slight fall didn’t completely erase all of October’s gains. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

American Homes 4 Rent acquires 900 new properties

By News feed American Homes 4 Rent has grown its portfolio of single-family rental housing with the acquisition of 900 new properties from Ellington Housing. With the acquisition, American Homes 4 Rent now owns more than 31,000 single-family properties in selected submarkets in 22 states. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Golden First Mortgage Corp. pays $36M for mortgage fraud lawsuit

By News feed The government continues to sniff out who in the industry is failing to comply with its standards. This time not only does Golden First Mortgage have to pay $36 million for approving bad loans, but its former president owes money too. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow-Trulia deal delayed again

By News feed Zillow’s $2.9 billion acquisition of Trulia has been delayed until at least Feb. 15, 2015, due to continued requests for information from the Federal Trade Commission. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The key to homebuilder profit in 2015

By News feed The government is in overdrive to open the credit box for first-time homebuyers. But the new push doesn’t help everyone in the industry. According to two homebuilder analysts, if homebuilders want to make money, they need to stay away from first-time homeowners and subprime buyers. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

HousingWire’s 10 most popular articles of 2014

By News feed As we turn the calendar from 2014 to 2015, it’s only natural to look back at the year that was. Here’s a look at what articles were the most popular in 2014. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here are the proposed new standards for mortgage credit risk

By News feed The Basel Committee on Banking Supervision is trying to update the standardized approach to credit risk, which includes exposures secured by residential real estate. Here’s how they plan to change it. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Ambac sues BofA over faulty mortgage bonds

By News feed Bank of America is getting sued again after its giant $16.65 billion settlement back in August. This time Ambac Assurance is coming after the bank. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Fannie, Freddie net income up 20%

By News feed The net income brought in by Fannie Mae and Freddie Mac rose 20% in the third quarter. The reason? MBS settlements. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Pending home sales rise slightly in November

By News feed Consistent economic growth and steady hiring helped to drive pending home sales up slightly in November, the National Association of Realtors said in its Pending Homes Sales Index. In fact, November’s year-over-year gain was the highest since August 2013. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Jobless claims increase by 17,000 filings

By News feed In the latest jobs report, jobless claims increased by 17,000 filings from the previous week’s revised level. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The regulatory trickle-down effect is coming

By News feed Given this quickly changing environment, where the rules can change overnight and companies can be held accountable for errors made before the change, very few companies have any reason to feel secure. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac: Mortgage rates end 2014 below 4%

By News feed Mortgage rates remained low toward the end of the year, and although rates slightly increased this week, they still came in below 4%. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here are the 10 hottest housing markets right now

By News feed Dayton, Ohio, came in at the top of the list, moving from -1% annual home price appreciation in November 2013 to 20% annual HPA in November 2014. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

RealtyTrac: Distressed home prices hit new 5-year high

By News feed While median sales prices of single-family homes and condos reported little movement compared to a month ago, the same can’t be said for distressed home prices, which reached their highest level since December 2009. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow: Mortgage rates stay far below 4%

By News feed Current rate borrowers were quoted an average interest rate of 3.72% on Zillow’s Mortgage Marketplace in the week that ended Tuesday, down from 3.73% last week. Read More

Titan Lenders shutters general fulfillment division

By News feed Citing an “unforgiving compliance environment,” Denver-based Titan Lenders Corp. is closing its general fulfillment division as of Jan. 31. The soon-to-be shuttered division includes underwriting, closing, funding and post-closing for retail mortgage lenders. Read More

Experian launches FICO Score product

By News feed Experian updated its products and now offers its members FICO Score, which is the first in a series of new product enhancements. Read More

DOJ probing Morgan Stanley’s relationship with New Century

By News feed The Department of Justice has reportedly begun examining the pre-crisis relationship between Morgan Stanley and New Century Financial, and Morgan Stanley’s role in “actively” influencing New Century’s risky lending practices. Read More

Dramatic rise in delinquency rate validates analysis of downturn

By News feed The fact remains that things are far worse than was consistently reported in much of the media leading up to and even following the most recent elections. Read More

David Blitzer: 3 reasons why housing is “somber”

By News feed Housing produced muted results compared to the rest of the economy in November and early December, according to one housing expert. Here are three reasons why housing was somber, and one argument for why 2015 will be okay anyway. Read More

Credit Suisse plans to fight $10 billion toxic mortgage lawsuit

By News feed Credit Suisse is planning to fight a $10 billion lawsuit brought against the bank by the State of New York, alleging the bank of misleading investors in the mortgage-backed securities it issued in the run-up to the financial crisis. Read More

Moody’s: Ocwen’s $150M settlement won’t hurt RMBS investors

By News feed There’s good news and bad news for RMBS investors when it comes to the $150 million settlement between Ocwen Financial and New York Department of Financial Services. The good news? Ocwen’s settlement won’t hurt RMBS transactions. The bad news? The settlement isn’t going to help RMBS transactions either. Read More

FHFA: Mortgage interest rates fall in November

By News feed Mortgage interest rates dropped across the board in November, according to the Federal Housing Finance Agency’s latest mortgage report. Read More

S&P Case-Shiller: Home-price growth slows down

By News feed While home prices continue to maintain a downward trend, eight cities recorded an increase in home price gains in October. The positive numbers could be just what housing needs to start the new year off right. Read More

Black Knight: Mortgage delinquency rate surges to 10-month high

By News feed Although delinquencies have increased in six of the last seven Novembers, there hasn’t been an increase of this magnitude since 2008. Read More

Zillow: Renters paid $441 billion in rent in 2014

By News feed Rents may indeed be “too damn high,” but they’re only going up. According to new analysis from Zillow, the national average rent paid in 2014 rose by nearly 5% over 2013. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

South Florida housing will continue recovery in 2015

By News feed The opportunity to make a serious profit by buying a house in South Florida may be going away soon, but that doesn’t mean that South Florida housing isn’t in a healthy place. Read More

Massachusetts foreclosure activity rises in November

By News feed November foreclosure activity in Massachusetts rose by more than 150% over 2013, but the figures actually fell from October’s total. Read More

CoreLogic: 5 drivers of housing in 2015

By News feed The economy has come a long way since the financial crisis, and 2015 is forecasted to produce solid improvements, starting, of course, with millennials. Read More

Short sale tax break signed into law

By News feed Homeowners who had short sales in 2014 can now breathe a giant sigh of relief, as the Mortgage Debt Forgiveness Act was signed into law by President Barack Obama. The short sale tax break lives on, for now, at least. Read More

Urban Institute: The true impact of VA loan-limit changes

By News feed Congress officially aligned the maximum size of mortgages guaranteed by the Veterans Administration to match Fannie Mae and Freddie Mac. Although this drastically reduces the loan limit in some areas, the Urban Institute argues that it won’t significantly affect borrowers. Read More

Wells Fargo’s 7 housing predictions for 2015

By News feed According to analysts from Wells Fargo, 2015 is going to be a year of change for housing, but the changes won’t be as seismic as you might think. Here are Wells Fargo’s seven predictions for housing in the next year. Read More

What’s behind the drastic drop in November home sales?

By News feed Refin’s latest housing report for November shows an unusual decline in the number of homes for sale. But the report outlines how this trend is likely to change in 2015. Read More

Monday Morning Cup of Coffee: Black Knight’s HPI and what 2015 holds

By Trey Garrison It’s the last week of 2014, and after seeing GDP growth of 5% and gas prices below $2 a gallon, it’s easy to be giddy about economic prospects for 2015. But do the facts really warrant such optimism? Read More

Lenders mitigate risk with post-close automation

By Sarah Wheeler The beauty of a data is it allows for process improvement. One problem that plagues any manual process is that feedback tends to be anecdotal. Read More

Redfin: The most competitive neighborhoods for homebuyers in 2014

By Trey Garrison Redfin looked at their data from 2014 and figured out where the most competitive neighborhoods were. Two guesses where most are located and why. Here’s the scoop. Read More

Wells Fargo sued over subprime securities

By News feed This time Wells Fargo and several other top banks were sued by an Irish securities firm, which claimed the banks failed to protect investors from home loans that defaulted after the financial crisis. Read More

Fidelity National planning Black Knight IPO

By News feed In what constitutes a “Back to the Future” moment for Fidelity National, the company is planning an initial public offering of stock in its subsidiary, Black Knight Financial Services. Read More

This Des Moines court case may change the Freddie, Fannie investor sweep

By Trey Garrison Investors in Fannie and Freddie are watching to see if a U.S. District Court judge will revive the discussion on whether the government’s third amendment sweep of GSE profits is legal. Here are the details. Read More

Morningstar: True cost of Ocwen settlement far exceeds $150 million

By News feed If Ocwen Financial thought that its regulatory troubles were over now that it settled with the New York Department of Financial Services for $150 million, the beleaguered company has another thing coming. The increased regulatory scrutiny and loss of its chairman could cripple Ocwen’s growth, according to Morningstar. Read More

S&P close to settlement on real-estate bond ratings

By News feed Standard & Poor’s Ratings Services is finally nearing a settlement with regulators over their investigation of how the company graded real-estate bonds, potentially impacting the rating company’s ability to perform certain ratings deals. Read More

Freddie Mac: Mixed housing news drives mortgage rates up slightly

By News feed Weaker than expected housing and economic data drove a slight uptick in mortgage rates in the last week. But on the bright side, mortgage rates are still near yearly lows. Read More

RealtyTrac: Buying more affordable than renting most everywhere

By Trey Garrison Renting is more expensive than buying in most markets, except, notably, where millennials are moving most. Here’s the rundown. Read More

Fed announces exemption adjustment for smaller loans

By Trey Garrison The Federal Reserve released its revised exemption level clearing smaller loans from the appraisal requirement of larger mortgage loans. Here are the details. Read More

Consumer sentiment rises strongly from November

By Trey Garrison Consumer sentiment picked up in December, after a disappointing November. Here’s how it broke out. Read More

Popular LG Smartphones for Your Business

By Jynell Berkshire LG smartphones have always been a leader when it comes to providing quality phones for consumers to use. Read More

Mortgage applications tick up 0.9%

By Trey Garrison Mortgage applications finally saw a trend reversal, ticking up slightly for the week ending Dec. 19 after several weeks of consistent declines. Read More

Ocwen CEO unveils company’s new direction

By News feed Now that the dust is beginning to settle on the $150 million settlement between Ocwen Financial and the New York Department of Financial Services, the company has unveiled its plans for the future. William Erbey’s departure isn’t the only big change for the nonbank. Read More

MERS wins in class-action suit from Minnesota counties

By News feed MERSCORP has won another legal battle, but this time the challenge wasn’t over MERS’ authority to assign the mortgage. In this case, 87 Minnesota counties claimed that MERS' mortgage assignments were depriving the counties of income from recording fees. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Texas Realtor celebrates the murder of two NYPD officers

By Trey Garrison A Realtor from Texas let the world know he was all good with the execution-style slaying of two New York police officers. Find out how the world is letting him know what they think. Read More

FHFA approves Federal Home Loan Bank merger

By News feed The merger of the Federal Home Loan Bank of Des Moines and the Federal Home Loan Bank of Seattle is now one step closer to becoming a reality, as the Federal Housing Finance Agency has approved the merger. Next up is a vote by each bank’s members. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

5 steps to your next job.

By Jynell Berkshire Help has arrived in your search for a job.  If you’re looking for a job-or know someone who is-I want to introduce you to an invaluable resource that offers you 5  steps to your next job -or your first one. Read More

Realtor.com’s 10 most popular neighborhoods in 2014

By Trey Garrison What neighborhoods drew the most fire Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Realtor.com: Jobs, low interest and tight inventory set stage for 2015 growth

By Trey Garrison The past is prologue, they say, and Realtor.com’s chief economist Jonathan Smoke looks back at 2014 at the trends, and what will shape 2015. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FHFA: House prices post meager gains in October

By Trey Garrison House prices in October ticked up a little, but it was a lot like September’s flat reading. Here are the details from the Federal Housing Finance Agency. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Surge in healthcare spending drives up 3Q GDP to 5%

By Trey Garrison The government reports that the third quarter GDP was an unbelievable 5%, and it was driven largely by a surge in spending on healthcare. Read More

Colorado AG charges two more foreclosure law firms with fraud

By News feed Attorney General John Suthers sued two foreclosure law firms, Robert J. Hopp & Associates and The Hopp Law Firm, and The Vaden Law Firm, stating that the firms overcharged consumers, for amongst other things, non-existent title insurance policies. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FHFA issues warning on “super priority” liens

By News feed The FHFA has issued a warning and threatened litigation against homeowners, financial institutions and state authorities, citing its concern with super-priority liens created by either energy retrofit programs or homeowner association priority status. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Here’s what Ocwen did wrong

By News feed Many industry observers were waiting for the other shoe to drop when it came to Ocwen, and Monday it finally fell, right onto the head of William Erbey, Ocwen’s now-former chairman. A deeper look at the NYDFS investigation reveals just what Ocwen did wrong and the additional sanctions that could crush Ocwen’s business. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

What the Ocwen agreement means for Ocwen and beyond

By Trey Garrison The announcement that Ocwen Financial is admitting to wrongdoing and paying $150 million rocked the mortgage finance and servicing space. KBRA’s Chris Whalen weighs in on what it means going forward for Ocwen and the mortgage industry. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Is your online business safe.

By Jynell Berkshire Did you know that over 95% of online businesses fail within the first two years? That means that around one in twenty new businesses will be a success and turn a tidy profit and that there is massive potential to make large amounts of money online. Read More

Single-family housing in Texas to regain momentum

By Trey Garrison The Texas housing market saw a loss of momentum in single-family housing, while multifamily ran strong. Here’s why 2015 may reverse those two dynamics. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Capital Economics: Don’t panic about November home sales

By Trey Garrison Economists differ on what November’s existing home sales plunge means. One says don’t panic, another says it’s part of a larger underlying weakness. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The truth about a housing “recovery” in 2015

By News feed With a virtual plethora of articles appearing in 2014 throughout the “regular” media, the blogosphere, and various other venues regarding the strength or weakness in our economy, one could surmise that there is a clear trend. One expert says that, yes, there is a trend, but it is not a positive one. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

The juiciest real estate lawsuits of 2014

By Trey Garrison It was a year of spite, lawsuits and spiteful lawsuits. Here are the best of the best. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

DBRS acquired by The Carlyle Group and Warburg Pincus

By News feed Investors including The Carlyle Group and Warburg Pincus have acquired DBRS, the fourth-largest global credit rating agency. DBRS said that the acquisition should fuel growth in the U.S. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mortgage Bankers Association adds 14 new members

By News feed See who joined the Mortgage Bankers Association in the month of November. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Lack of millennial homebuyers drags on housing

By Trey Garrison Despite the easing of credit restrictions, millennial reticence is dragging down first-time homebuyer sales. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Home-price growth will stabilize around 4% through 2015

By Trey Garrison Despite likely coming interest rate hikes and depressed energy prices, Capital Economics expects home-price growth to stabilize around 4% in 2015. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Existing home sales collapse 6.1% in November

By Trey Garrison In the biggest drop since July 2010, existing home sales collapsed in November, despite record low rates and falling median home prices. What’s happening? NAR says buyer uncertainty, but that doesn’t seem likely. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Ocwen Chairman Erbey resigns as company admits misconduct

By Trey Garrison Today the chickens have come home to roost for Ocwen Financial. Executive Chairman William Erbey is resigning, and the company will pay $150 million to homeowners. Here’s what it means for investors and the industry. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Monday Morning Cup of Coffee: Oil’s crash will impact MBS market

By Trey Garrison Oil’s dramatic drop is going to have a big impact on agency and non-agency MBS. Here’s what it means. Plus, it’s a surprisingly busy week for housing metrics. We have the details. Read More

5 Reasons User Experience is Everything

By Jynell Berkshire Okay, maybe it’s everything you need to have a highly ranked site. What it is though, is one of the most important aspects of the site when it’s being ranked for search. Read More

America’s housing market value soars to $27.5 trillion

By News feed America’s housing market value has drastically increased over the past year. As Zillow notes in the article, this goes to show just how important the housing market is. Read More

Minecraft creator outbids Beyoncé and Jay Z for home

By Trey Garrison What do you do after MicroSoft buys your game for $2.5 billion? You go and snatch a mansion right out from under two musical superstars. Read More

Ellen DeGeneres lists two Los Angeles condos

By News feed On screen, Ellen DeGeneres is known for her comedic talk show. But along with her days on television, DeGeneres is known for her love of fixing up and selling houses. Read More

Looking back, the housing industry is totally Scrooged

By Trey Garrison It’s been quite a year for housing. One could even say it’s comparable to the Star Wars Holiday Special from 1978. Here are some of the more bizarre events from 2014. Read More

Fitch Ratings: Housing in Texas and California are officially overvalued

By News feed While many Americans’ wallets are thankful that gas prices are drastically low, Texas and California may not be as enthusiastic. And the root of the problem: Oil prices. Read More

AmeriSave Mortgage joins 97% LTV pioneer club

By Trey Garrison Only a handful of lenders so far have jumped on board the 97% LTV train, and AmeriSave Mortgage is the latest. Here’s why they think it’s a good choice. Read More

FHA loans could face “tidal wave of defaults”

By Trey Garrison “The increase in risk for all the major government agencies over the past two years is cause for concern,” said Stephen Oliner, co-director of AEI’s center. Read More

Community bankers call on FHA to lower mortgage insurance premiums

By Trey Garrison The FHA is getting back on its fiscal feet, but it’s still charging premiums that the mortgage finance industry worry are too high. Here’s what they want, and why. Read More

What the hell is going on in the appraisal world?

By News feed It’s incumbent upon all in the industry to understand and implement best practices, but when the VERY use of appraisal services doesn’t employ some level of disclosure we might have a few problems. These problems are occurring right now with the massive confusion going on within the valuation space. Read More

Freddie Mac offloads $155 million of credit risk to insurers

By News feed As part of its continuing effort to limit the American taxpayers’ liability, Freddie Mac obtained a number of insurance polices designed to cover potential losses on a $155 million pool of single-family loans. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

18 Senators, mortgage bankers tell HUD: Time to lower FHA premiums

By News feed A group of 18 U.S. Senators and the Mortgage Bankers Association both sent letters to the U.S. Department of Housing and Urban Development on Thursday, stating that the time has come for the Federal Housing Administration to lower its mortgage insurance premiums. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mortgage bond spreads tighten to lowest level in two years

By News feed Hesitant investors are driving down mortgage bond yield spreads to a level not seen in more than two years. Is the rise in overall yields to blame? Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Fannie Mae: Will housing make full recovery in 2015?

By News feed Although 2014 is wrapping up to be a less-than-stellar year for the economy, mortgage lenders believe 2015 will get the nation back on track. But will housing see a surge in activity? Yes, and no. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

ditech to offer 97% LTV loans

By News feed Ditech Mortgage Corp is expanding its lending options again. The company is now the latest lender to to jump on board with the 97% LTV programs announced by Fannie Mae and Freddie Mac earlier this month. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Prime jumbo non-agency RMBS issuance grows slowly in 2015

By Trey Garrison The future of the nonagency RMBS market will require private capital, but it’s not clear how that can be achieved. Here are the details. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow, Trulia shareholders green light merger

By Trey Garrison The merger of online listings leaders Trulia and Zillow just got one step closer to completion. Here’s how today’s vote played out and what it means. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Working Mom in Balance: 10 Hobbies That Can Make You Money in The New Year

By Jynell Berkshire Many moms decide to work in the home for different reasons, I personally chose to do so because the idea of putting my children in daycare was not appealing. Read More

Fannie Mae explains 6 ways to push borrowers to refi

By News feed The FHFA continues to drill into homeowners that the Home Affordable Refinance Program and the Home Affordable Modification Program are not scams. To help push borrowers along, Robert Koller, director of credit risk management with Fannie Mae, gave six quick facts that could make all the difference to getting people to refinance. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Redfin raises $71 million for continued expansion

By News feed In the latest move in what has been a banner year in the battle for domination of the online real estate market, Redfin announced that it received a large injection of funding from several large investors. The company said that it plans to use the money to continue its growth. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Is your housing market on Santa’s naughty or nice list?

By Trey Garrison Some housing markets are getting a new G.I. Joe with the kung fu grip. Others are getting a lump of coal, and with oil priced like it is…anyway, here are the nicest and naughtiest housing markets in America. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac: Mortgage rates once again drop to new yearly lows

By News feed Mortgage rates have decreased throughout this year, recently hovering around 4%. And now, according to Freddie Mac’s latest mortgage report, they’re even lower. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Ocwen accused of stalling short sales

By News feed Ocwen just can’t get out from under the spotlight of housing regulators. This time the servicer is being accused over whether it improperly stalled short sales by borrowers who owe more than their homes are worth. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Initial jobless claims decline slightly for the week

By Trey Garrison Jobless claims declined slightly, with some of it being seasonal employment in time for the holiday season. Here are the details. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Countrywide whistleblower will receive $57 million

By News feed The whistleblower at the center of the so-called “Hustle” case against Bank of America over Countrywide mortgage loans will also receive a hefty payout for his participation in the record $16.65 billion settlement between BofA and the U.S. Department of Justice to resolve claims over toxic mortgage-backed securities on residential mortgage loans sold to Fannie Mae and Freddie Mac. Read More

Congressional budget bill kills HUD homeowner assistance program

By News feed One of the most ballyhooed features of the FHA’s plan to help ease credit availability is not going to happen, thanks to budgetary wrangling in Congress. The HAWK program is no more. Read More

Political theater: Community groups giving HUD “Grinch of the Year” award

By Trey Garrison Get ready for a little coal in the stocking for the FHA — community groups and housing advocates are protesting the Distressed Asset Stabilization Program. Here’s what will happen Thursday. Read More

Yellen talks interest rates and oil prices

By News feed Federal Reserve Chair Janet Yellen commented on two hot topics in the market right now: interest rates and oil prices. And her answers might surprise you. Read More

5 predictions for NYC real estate in 2015

By Trey Garrison The Big Apple’s real estate market faces some serious challenges and opportunities in 2015. Here’s what one insider has to say. Read More

Bank of America, U.S. Bancorp face another MBS suit

By News feed Some of the country’s biggest banks are facing another mortgage-related lawsuit. This time the National Credit Union Administration Board is filing the suit, claiming that both Bank of America and U.S. Bancorp failed to review mortgage loan files for irregularities. Read More

FOMC: Fed maintains federal funds rate

By News feed According to the latest Fed meeting, the current 0% to .25% target range for the federal funds rate will likely be appropriate for a considerable time following the end of its asset purchase program in October. Read More

Senate fails to pass Terrorism Risk Insurance Act

By Trey Garrison The Terrorism Risk Insurance Act is critical to the housing industry, and despite passing the House on a bipartisan vote, the Senate failed to reauthorize it before recessing. Here’s what the industry has to say. Read More

State of New York bans fracking

By News feed Citing the potential for air and water pollution and “inestimable public-health risks,” the state of New York has officially banned the oil and gas extraction process known as fracking. The move becomes that latest in an ongoing nationwide battle over fracking. Here’s why it matters for housing. Read More

Bipartisan Policy Center offers blueprint to reinvent housing policy

By Trey Garrison The Bipartisan Policy Center is always looking for new solutions and ideas for policymakers, and its prescription for housing policy is no exception. Here’s a look. Read More

HOPE NOW: 39,000 homeowners saved from foreclosure

By News feed Servicers maintained a steady pace of loan modification for homeowners in October, with the number of solutions outpacing foreclosure sales. Read More

Lenders fear weakening mortgage demand in 2015

By Trey Garrison The outlook for 2015 is generally good, but lenders are worried that demand for mortgages is going to slow. Here’s why, and why they may be right to worry. Read More

Looking for New York City apartments just got easier

By News feed Revaluate is geared toward providing in-depth detail of apartments in New York City through a more interactive process. Using its map search tool, users can view apartments in specific areas of New York without having to pay fees for a broker. Read More

Senate approves short sale tax break

By News feed Homeowners who had short sales in 2014 were facing massive tax bills unless Congress extended short sale tax breaks. The House of Representatives did its part two weeks ago, and now the Senate has followed suit. Read More

5 steps to your next job.

By Jynell Berkshire Help has arrived in your search for a job.  If you’re looking for a job-or know someone who is-I want to introduce you to an invaluable resource that offers you 5  steps to your next job -or your first one. Read More

Oppenheimer raises Ellie Mae’s price target

By News feed One investment company believes Ellie Mae will benefit from three key factors that will help boost its stock. Read More

Mortgage applications fall 3.3.% for week despite continued low rates

By Trey Garrison For the third week in a row, mortgage application activity dropped, despite the drop in already low interest rates. Read More

Zillow: Number of underwater homeowners sliced in half

By News feed More Americans are coming out of negative equity, with the number tumbling by more than 40% since 2012. However, this doesn’t guarantee a rosy forecast for underwater homeowners. Read More

Large banks lower lending standards to pre-crisis levels

By News feed A new survey shows that the days of risky mortgage lending may be back, citing concerns that big lenders are lowering their standards on some of the riskiest lending. Read More

Another regulator investigates Ocwen Financial

By Trey Garrison Now the National Mortgage Settlement office says that it can’t rely on what it’s getting from Ocwen and will bring in an independent accounting firm. Here’s why bad just got worse for the nonbank. Read More

MMREM acquires real estate auction company RealtyBid.com

By News feed Matt Martin Real Estate Management announced a definitive agreement to acquire RealtyBid.com. This greatly expands the company’s capabilities with a proven disposition platform for owners of single-family residences and commercial assets. Read More

MMREM acquires real estate auction company RealtyBid.com

By News feed Matt Martin Real Estate Management announced a definitive agreement to acquire RealtyBid.com. This greatly expands the company’s capabilities with a proven disposition platform for owners of single-family residences and commercial assets. Read More

Freddie Mac: How will mortgage lending in 2015 compare to 2014?

By News feed Now that the year is coming to a close, Freddie Mac took time to look back and see how its predictions for 2014 fared. Hint: Everything didn’t meet expectations. Read More

Freddie Mac: How will mortgage lending in 2015 compare to 2014?

By News feed Now that the year is coming to a close, Freddie Mac took time to look back and see how its predictions for 2014 fared. Hint: Everything didn’t meet expectations. Read More

National credit default rates continue to increase in November

By Trey Garrison Bad news on the credit front: Default rates are rising across the board. Here’s how it breaks down. Read More

National credit default rates continue to increase in November

By Trey Garrison Bad news on the credit front: Default rates are rising across the board. Here’s how it breaks down. Read More

360 Mortgage offers Fannie Mae and Freddie Mac 97% LTV loans

By News feed 360 Mortgage announced it is supporting the Federal Housing Finance Agency’s latest initiative to expand the credit box. The move makes 360 Mortgage one of the first pioneers to accept the GSEs’ newest products to reach more first-time homeowners. Read More

360 Mortgage offers Fannie Mae and Freddie Mac 97% LTV loans

By News feed 360 Mortgage announced it is supporting the Federal Housing Finance Agency’s latest initiative to expand the credit box. The move makes 360 Mortgage one of the first pioneers to accept the GSEs’ newest products to reach more first-time homeowners. Read More

Housing starts fall in November led by single-family decline

By Trey Garrison November was a bad month for housing starts, housing completions and housing permits. Here’s a look at the damage. Read More

Housing starts fall in November led by single-family decline

By Trey Garrison November was a bad month for housing starts, housing completions and housing permits. Here’s a look at the damage. Read More

How will Freddie, Fannie 97% LTV requirements hit lenders in 2015?

By Trey Garrison Fannie and Freddie are going with 97% LTV and it’s going to impact lenders. Here’s one perspective on just how far-reaching this move will be, and what it means for mortgage lending in 2015. Read More

How will Freddie, Fannie 97% LTV requirements hit lenders in 2015?

By Trey Garrison Fannie and Freddie are going with 97% LTV and it’s going to impact lenders. Here’s one perspective on just how far-reaching this move will be, and what it means for mortgage lending in 2015. Read More

Do borrowers think we’re crazy?

By News feed As the mortgage lending industry continues to work through a myriad of challenges, one truth is emerging clearly. The consumer will be won or lost based on how easy lenders make it to engage with them.  Read More

The biggest obstacle to a mortgage market recovery that nobody is talking about

By News feed These timelines are often difficult if not impossible to meet while meeting consumer protection rules put in place by states and the Consumer Financial Protection Bureau (CFPB). Read More

The biggest obstacle to a mortgage market recovery that nobody is talking about

By News feed These timelines are often difficult if not impossible to meet while meeting consumer protection rules put in place by states and the Consumer Financial Protection Bureau (CFPB). Read More

Do borrowers think we’re crazy?

By News feed As the mortgage lending industry continues to work through a myriad of challenges, one truth is emerging clearly. The consumer will be won or lost based on how easy lenders make it to engage with them.  Read More

Open Mortgage acquires reverse origination arm from 360 Mortgage Group

By News feed After entering the business earlier this year, 360 Mortgage Group reached an agreement with Open Mortgage to sell its reverse origination arm. Read More

Open Mortgage acquires reverse origination arm from 360 Mortgage Group

By News feed After entering the business earlier this year, 360 Mortgage Group reached an agreement with Open Mortgage to sell its reverse origination arm. Read More

Wells Fargo: The key ingredient to strong mortgage lending

By News feed As the mortgage industry changes, Wells Fargo seeks to mirror it in order to best meet its customer needs. In an interview with HousingWire, April Taylor, Wells Fargo Home Mortgage senior vice president talent acquisition manager, explained what helps make Wells Fargo lenders tick. Read More

Wells Fargo: The key ingredient to strong mortgage lending

By News feed As the mortgage industry changes, Wells Fargo seeks to mirror it in order to best meet its customer needs. In an interview with HousingWire, April Taylor, Wells Fargo Home Mortgage senior vice president talent acquisition manager, explained what helps make Wells Fargo lenders tick. Read More

Americans are 40% poorer than before the recession

By Trey Garrison If it seems like for all the talk of recovery, job gains and such feel a bit empty, there’s a reason. Read More

Americans are 40% poorer than before the recession

By Trey Garrison If it seems like for all the talk of recovery, job gains and such feel a bit empty, there’s a reason. Read More

Freddie Mac multifamily rankings affirmed by Fitch, Morningstar and S&P

By Trey Garrison Three of the big ratings agencies say they believe in Freddie Mac’s multifamily asset management and operations. Here’s why. Read More

Freddie Mac multifamily rankings affirmed by Fitch, Morningstar and S&P

By Trey Garrison Three of the big ratings agencies say they believe in Freddie Mac’s multifamily asset management and operations. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Moody’s: RMBS credit quality, performance to remain strong

By Trey Garrison Credit quality will get even better in 2015, Moody’s Investors Service says, and here’s what it means for the mortgage market. Read More

Moody’s: RMBS credit quality, performance to remain strong

By Trey Garrison Credit quality will get even better in 2015, Moody’s Investors Service says, and here’s what it means for the mortgage market. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FDIC, other federal buildings lose power

By News feed The power has been restored to several federal buildings in Washington, D.C., including the Federal Reserve and Federal Deposit Insurance Corporation, after a transformer explosion at the Office of Personnel Management Monday morning. Read More

FDIC, other federal buildings lose power

By News feed The power has been restored to several federal buildings in Washington, D.C., including the Federal Reserve and Federal Deposit Insurance Corporation, after a transformer explosion at the Office of Personnel Management Monday morning. Read More

FDIC, other federal buildings lose power

By News feed The power has been restored to several federal buildings in Washington, D.C., including the Federal Reserve and Federal Deposit Insurance Corporation, after a transformer explosion at the Office of Personnel Management Monday morning. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Equifax: Seriously delinquent mortgages hit new low

By News feed The latest housing data from Equifax showed improving credit numbers across the board, particularly in delinquent mortgages and home equity lines of credit. Read More

Equifax: Seriously delinquent mortgages hit new low

By News feed The latest housing data from Equifax showed improving credit numbers across the board, particularly in delinquent mortgages and home equity lines of credit. Read More

Equifax: Seriously delinquent mortgages hit new low

By News feed The latest housing data from Equifax showed improving credit numbers across the board, particularly in delinquent mortgages and home equity lines of credit. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Ocwen buying portfolio of delinquent Ginnie Mae mortgages

By Trey Garrison If Ocwen is experiencing a tough time, they’re not doing it lying down. The nonbank is moving now to purchase Ginnie Mae delinquencies even as the Treasury Department is reviewing the backdating letters scandal. Read More

Ocwen buying portfolio of delinquent Ginnie Mae mortgages

By Trey Garrison If Ocwen is experiencing a tough time, they’re not doing it lying down. The nonbank is moving now to purchase Ginnie Mae delinquencies even as the Treasury Department is reviewing the backdating letters scandal. Read More

Ocwen buying portfolio of delinquent Ginnie Mae mortgages

By Trey Garrison If Ocwen is experiencing a tough time, they’re not doing it lying down. The nonbank is moving now to purchase Ginnie Mae delinquencies even as the Treasury Department is reviewing the backdating letters scandal. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Aquiline announces majority investment in LenderLive

By News feed LenderLive’s new majority investor is helping position the company to significantly grow in several of its business divisions. In an exclusive interview with HousingWire, Rick Seehausen, CEO of LenderLive, outlined four areas that will drive growth in the company. Read More

Aquiline announces majority investment in LenderLive

By News feed LenderLive’s new majority investor is helping position the company to significantly grow in several of its business divisions. In an exclusive interview with HousingWire, Rick Seehausen, CEO of LenderLive, outlined four areas that will drive growth in the company. Read More

Aquiline announces majority investment in LenderLive

By News feed LenderLive’s new majority investor is helping position the company to significantly grow in several of its business divisions. In an exclusive interview with HousingWire, Rick Seehausen, CEO of LenderLive, outlined four areas that will drive growth in the company. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Homebuilder confidence falls in December

By Trey Garrison November was a banner month for homebuilder confidence but now that confidence is eroding. Here’s why. Read More

Homebuilder confidence falls in December

By Trey Garrison November was a banner month for homebuilder confidence but now that confidence is eroding. Here’s why. Read More

Homebuilder confidence falls in December

By Trey Garrison November was a banner month for homebuilder confidence but now that confidence is eroding. Here’s why. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

A new era of solutions

By News feed Solutions exist today that can help with a large majority of the business process shifts that will result from the rule. And the last year has provided an opportunity for them to solve things further. Read More

A new era of solutions

By News feed Solutions exist today that can help with a large majority of the business process shifts that will result from the rule. And the last year has provided an opportunity for them to solve things further. Read More

A new era of solutions

By News feed Solutions exist today that can help with a large majority of the business process shifts that will result from the rule. And the last year has provided an opportunity for them to solve things further. Read More

Monday Morning Cup of Coffee: Oil’s plunge could derail housing

By Trey Garrison Oil’s plunge could turn everyone’s predictions for 2015 on their head. But more ominously, we’ll see how much of the real estate recovery has been driven by the shale and natural gas boom. Housing price drops, lower lending standards — haven’t we seen this movie before? Read More

Monday Morning Cup of Coffee: Oil’s plunge could derail housing

By Trey Garrison Oil’s plunge could turn everyone’s predictions for 2015 on their head. But more ominously, we’ll see how much of the real estate recovery has been driven by the shale and natural gas boom. Housing price drops, lower lending standards — haven’t we seen this movie before? Read More

Monday Morning Cup of Coffee: Oil’s plunge could derail housing

By Trey Garrison Oil’s plunge could turn everyone’s predictions for 2015 on their head. But more ominously, we’ll see how much of the real estate recovery has been driven by the shale and natural gas boom. Housing price drops, lower lending standards — haven’t we seen this movie before? Read More

How to Apply to College in America through CommonApp

By Jynell Berkshire For those of you who don’t know, I have recently finished applying to college in America. Colleges I’ve applied for are all located in Boston, where I used to live before I moved to Singapore. Read More

Going Mobile: Buying Goods Online http://www.berkshirelawllc.com/blog-articles

How To Use Mobile Devices To Grow Your Business

By Jynell Berkshire There are dramatic shifts taking place in how people buy goods online. For example, more and more people have mobile devices with them 24 hours per day. And you are probably one of them. But can you think of a time that you ever entered a credit card onto one of those tiny little screens of your mobile phone to complete a purchase? Read More

BAML: Oil declines could fuel lower mortgage interest rates in 2015

By Trey Garrison The price of oil continues to drop and it could have a major impact on residential real estate, mortgage financing and mortgage backed securities in 2015. Read More

BAML: Oil declines could fuel lower mortgage interest rates in 2015

By Trey Garrison The price of oil continues to drop and it could have a major impact on residential real estate, mortgage financing and mortgage backed securities in 2015. Read More

BAML: Oil declines could fuel lower mortgage interest rates in 2015

By Trey Garrison The price of oil continues to drop and it could have a major impact on residential real estate, mortgage financing and mortgage backed securities in 2015. Read More

SolarCity, BofAML fund $400 million in solar-power projects

By News feed The housing industry just moved one giant step closer to more accessible solar power. SolarCity has created a new investment program with Bank of America Merrill Lynch to finance millions of dollars in solar power projects over the next few years. Read More

SolarCity, BofAML fund $400 million in solar-power projects

By News feed The housing industry just moved one giant step closer to more accessible solar power. SolarCity has created a new investment program with Bank of America Merrill Lynch to finance millions of dollars in solar power projects over the next few years. Read More

SolarCity, BofAML fund $400 million in solar-power projects

By News feed The housing industry just moved one giant step closer to more accessible solar power. SolarCity has created a new investment program with Bank of America Merrill Lynch to finance millions of dollars in solar power projects over the next few years. Read More

Here’s what appraisers need to know about solar power

By News feed The world is going green, and so is housing, which is seeing a growing boom in solar-power projects. Before appraisers are left in the dark, the Appraisal Institute and the industry are working to make sure these new homes are properly assessed. Read More

Here’s what appraisers need to know about solar power

By News feed The world is going green, and so is housing, which is seeing a growing boom in solar-power projects. Before appraisers are left in the dark, the Appraisal Institute and the industry are working to make sure these new homes are properly assessed. Read More

Here’s what appraisers need to know about solar power

By News feed The world is going green, and so is housing, which is seeing a growing boom in solar-power projects. Before appraisers are left in the dark, the Appraisal Institute and the industry are working to make sure these new homes are properly assessed. Read More

Here’s one huge drag on troubled homeowners

By Trey Garrison Not everyone is paying historically low rates of interest, and here’s what can be done about it. Read More

Here’s one huge drag on troubled homeowners

By Trey Garrison Not everyone is paying historically low rates of interest, and here’s what can be done about it. Read More

Here’s one huge drag on troubled homeowners

By Trey Garrison Not everyone is paying historically low rates of interest, and here’s what can be done about it. Read More

Impac in talks to acquire mortgage origination business

By News feed Impac has made great strides in growing its mortgage origination business this year, with extra emphasis on its ALT QM loan programs. And according to a new filing, the growth is far from over, with the lender in talks to acquire more. Read More

Impac in talks to acquire mortgage origination business

By News feed Impac has made great strides in growing its mortgage origination business this year, with extra emphasis on its ALT QM loan programs. And according to a new filing, the growth is far from over, with the lender in talks to acquire more. Read More

Community groups applaud Fannie, Freddie funding Capital Magnet Fund

By Trey Garrison Community development and affordable housing advocates say that despite criticism from conservatives, funding for the Capital Magnet Fund will make a big difference in their efforts. Here’s what they mean. Read More

Community groups applaud Fannie, Freddie funding Capital Magnet Fund

By Trey Garrison Community development and affordable housing advocates say that despite criticism from conservatives, funding for the Capital Magnet Fund will make a big difference in their efforts. Here’s what they mean. Read More

How many homeowners have paid off their mortgage?

By Trey Garrison The question of how many homeowners have paid off their mortgage is more complicated than you might think. Read More

How many homeowners have paid off their mortgage?

By Trey Garrison The question of how many homeowners have paid off their mortgage is more complicated than you might think. Read More

Young couple charged with fraud in filing deed for $1.1 million house

By Trey Garrison Want a million-dollar home? All it takes is some new locks, a few forged signatures and, oh yeah, fraud charges. This tale of hubris comes from the great state of Florida. Read More

Young couple charged with fraud in filing deed for $1.1 million house

By Trey Garrison Want a million-dollar home? All it takes is some new locks, a few forged signatures and, oh yeah, fraud charges. This tale of hubris comes from the great state of Florida. Read More

$2.7 billion Fannie, Freddie MSR portfolio for sale

By News feed Another mortgage-servicing rights portfolio has hit the market. This time MountainView Servicing Group is advising in the sale of a $2.7 billion Fannie Mae and Freddie Mac mortgage servicing rights portfolio. Read More

$2.7 billion Fannie, Freddie MSR portfolio for sale

By News feed Another mortgage-servicing rights portfolio has hit the market. This time MountainView Servicing Group is advising in the sale of a $2.7 billion Fannie Mae and Freddie Mac mortgage servicing rights portfolio. Read More

Together Everyone Achieves More

By Jynell Berkshire We are quickly approaching the end of another busy year. Read More

EXCLUSIVE: dotloop releases servicer tech solution

By News feed dotloop continues to grow its online real estate solution offerings as more steps in the real estate and homebuying process move online. Here is the company’s latest announcement, exclusive to HousingWire for now, connecting people in the industry even closer. Read More

EXCLUSIVE: dotloop releases servicer tech solution

By News feed dotloop continues to grow its online real estate solution offerings as more steps in the real estate and homebuying process move online. Here is there latest announcement, exclusive to HousingWire for now, connecting people in the industry even closer. Read More

Capital Economics: 4 predictions impact renting and homebuying

By News feed The housing market is predicted to break a three year trend as the end of rapid home price increases opens the door to an increase in rent prices. Here’s why. Read More

Capital Economics: 4 predictions impact renting and homebuying

By News feed The housing market is predicted to break a three year trend as the end of rapid home price increases opens the door to an increase in rent prices. Here’s why. Read More

St. Louis area mortgage company executive admits fraud

By Trey Garrison A mortgage company executive in St. Louis is facing 30 years after pleading to floating checks between his business and banks to hide negative balances. Read More

St. Louis area mortgage company executive admits fraud

By Trey Garrison A mortgage company executive in St. Louis is facing 30 years after pleading to floating checks between his business and banks to hide negative balances. Read More

Cash sales, foreign investors drive down mortgages in Florida

By Trey Garrison First came the snowbirds and the Cubans. Now it’s the Chinese. They’re coming, they’re buying homes, and they’re paying in cash. Read More

Cash sales, foreign investors drive down mortgages in Florida

By Trey Garrison First came the snowbirds and the Cubans. Now it’s the Chinese. They’re coming, they’re buying homes, and they’re paying in cash. Read More

Realtors applaud reauthorization of Terrorism Risk Insurance Act

By Trey Garrison The overwhelming vote to TRIA includes protections for small businesses from some of the onerous requirements of Dodd-Frank. Here’s how. Read More

Realtors applaud reauthorization of Terrorism Risk Insurance Act

By Trey Garrison The overwhelming vote to TRIA includes protections for small businesses from some of the onerous requirements of Dodd-Frank. Here’s how. Read More

Zillow: The rent is too damn high

By News feed For years, the political party The Rent is Too Damn High has worked to show that the rent in New York City is too high. Turns out they were right, and for a lot more places than just the Big Apple. Read More

Zillow: The rent is too damn high

By News feed For years the political party The Rent is Too Damn High fought that the rent in New York City is too high. Turns out they were right, and for a lot more places than just the Big Apple. Read More

This is why reverse mortgage servicers need a foreclosure moratoria

By News feed A federal judge has ordered HUD to craft a policy to address the problem of widows being foreclosed on when they aren’t listed on the reverse mortgage. We need a foreclosure moratoria until that happens. Read More

This is why reverse mortgage servicers need a foreclosure moratoria

By News feed A federal judge has ordered HUD to craft a policy to address the problem of widows being foreclosed on when they aren’t listed on the reverse mortgage. We need a foreclosure moratoria until that happens. Read More

Jobless claims trending higher despite minor decline

By Trey Garrison Despite a slight decline for the week, the long-term trends revealed in this week’s unemployment claims data point to a labor market that is not improving. Read More

Jobless claims trending higher despite minor decline

By Trey Garrison Despite a slight decline for the week, the long-term trends revealed in this week’s unemployment claims data point to a labor market that is not improving. Read More

Applications for new home purchases plunge

By Trey Garrison Mortgage applications are down overall in a big way, but there’s one sector that’s still going strong. Here’s a look at the numbers. Read More

Fannie Mae and Freddie Mac to restart affordable housing fund

By Trey Garrison FHFA Director Mel Watt ordered the GSEs to again start setting aside money for a previous fund that allocates grants and assistance to low-income households. But why did funding get suspended in the first place? Read More

Free, Powerful and Awesome Form Builders – Reviews

By Jynell Berkshire What is an Online Form? An Online form is a good way to gather information from your websites, users, customers and visitors. Read More

Mortgage rates inch slightly higher but still under 4%

By Trey Garrison Good news on the jobs front pushed up interest rates this week but they’re still hovering at historic lows. A year ago at this time, the 30-year FRM averaged 4.42%. Here’s where we are now. Read More

NAMFS: Mortgage regulations require a more stringent approach to field services

By News feed Industry professionals must maintain quality services and execute them in a timely manner to remain in business and now, more than ever, there is no room to fail. Read More

TILA-RESPA technology cheat sheet

By News feed If you fired off an email, handed the consumer a brochure, or even simply talked about something face-to-face, how will you record or determine if the consumer engaged that content? The digital delivery of educational content will be key to not only getting the consumer to interact with it, but tracking what the consumer actually accessed. Read More

RealtyTrac reports foreclosure activity fell 9% in November

By Trey Garrison The good news is foreclosure activity dropped in November. The bad news? Foreclosure starts are up for the first time in two-and-a-half years. Here’s how it breaks out. Read More

Fannie Mae unveils new mortgage risk-share deal

By Jacob Gaffney After putting together several successful risk-sharing deals, today the government-sponsored enterprise unveiled a new product. This time, it’s different. Read More

Florida borrowers get more than $16 million back

By News feed The Florida Attorney General’s office sent out more than 14,000 checks in the mail to eligible consumers who lost their homes to foreclosure between 2009 and 2012. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CHLA to CFPB: Too many originators don’t meet basic education, testing standards

By Trey Garrison CHLA doesn’t like all the independent mortgage originators operating out there outside the scope of regulations, so they want the CFPB to do something about it. Here’s what. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Quicken Loans: Pricing gap between appraisers, homeowners closes

By Trey Garrison Homeowners and appraisers don’t always see eye-to-eye on value, but that gap is closing even as home price growth is screeching to a near halt. Here’s what’s happening. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

New FHA administrative fee defeated in Congress

By Trey Garrison A provision in Senate Bill 2438 that would have allowed the Federal Housing Administration to charge a 4 basis point administrative fee has been formally defeated. Here’s what happened and why it counts. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Can ditech redefine its mortgage lending?

By News feed While a lot of lenders are either scaling back or changing focus, ditech is choosing to go a different route, which, to the benefit of small lenders, includes heightened focus on growing retail branches through acquisitions. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

CardHub: Credit card default at 29-year low

By Trey Garrison Credit card default rates are a good measure of economic strength and default rates are at a 29-year low. But there’s bad news — how much Americans added to their cards in 2014. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Using Social Media for business

By Jynell Berkshire Using Social Media for business…some tips. If you are new to social media-or have used it infrequently-you may be overwhelmed about all your options and which to choose. Read More

The Content Marketing Playbook: 9 Actionable Strategies To Get You Started

By Jynell Berkshire Capturing audiences today requires far more than strong copy and appealing creative. Brands and agencies are striving to keep up with the rapidly growing need for high-quality content that’s both relevant and personalized. Read More

Death of banker under mysterious circumstances makes 36 in 2014

By Trey Garrison This year saw a rash of reports of national and international bankers dying under odd, mysterious or questionable circumstances — some by suicide, some by other means. The 36th occurrence of the year, as it turns out, is no different. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Freddie Mac launches Home Possible Advantage program with 97% LTV

By News feed Good news for first-time homebuyers — Freddie Mac will begin offering 97% loan-to-value products beginning March 23. Read More

Fannie and Freddie officially approve 3% down payment mortgages

By News feed It’s here. Fannie Mae and Freddie Mac officially unveiled each of their 97% loan-to-value offerings for mortgages they securitize. And while both are working to expand the credit box for first-time homebuyers, there are key differences between what each one requires. Read More

Fannie Mae: Homeowners don’t think interest rates will increase

By Trey Garrison Americans’ attitudes toward housing largely reflect the uneven 2014 housing market itself — a mixture of conflicting ideas and misplaced optimism that rates won’t be going up. Read More

Is your online business safe.

By Jynell Berkshire Did you know that over 95% of online businesses fail within the first two years? That means that around one in twenty new businesses will be a success and turn a tidy profit and that there is massive potential to make large amounts of money online. Read More

Monday Morning Cup of Coffee: The biggest drag on homebuying is…

By Trey Garrison QE, ZIRP, opening the credit box, big tax credits – and yet the housing recovery has still been like a tuna sandwich from a gas station — disappointing at best. But now we may know the real reason homebuyers have held back. Read More

2014: The Year of Mergers and Acquisitions

By Jynell Berkshire There have been countless mergers over the years in the business world. Sometime companies buy out smaller companies or struggling companies and sometimes the two companies decide to work together to create a more powerful enterprise. Read More

Advertise Your Small Business with Fabric Printing

By Jynell Berkshire If you’re looking for a new way to advertise your business, why not consider fabric printed signs? There are so many different uses for it in your business.  Here are four examples of how fabric printing can be used in your company. 1. Read More

Short sale tax break passes in House

By News feed According to a recent estimate from RealtyTrac, there have been more than 170,000 short sales representing a mortgage debt forgiveness of $8.1 billion total in the first three quarters of 2014 alone. All those borrowers will be facing massive tax bills if the bill doesn’t pass in the Senate as well. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Texas real estate soars in 2014

By News feed Riding a wave of population, job and economic growth, 2014 was a very good year for Texas housing and real estate. And there’s more where that came from. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

RIO Genesis adds Jaysen Greenleaf to management team

By News feed RIO Genesis Software Solutions announced the addition of Jaysen Greenleaf as the company’s new vice president of business development. Greenleaf joins RIO Genesis from Phoenix Asset Management, where he’s been for seven years. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Williston Financial CEO gave staff these 5 housing predictions

By Jacob Gaffney Are recent housing indicators and negative headlines cause for concern? Not really. In this CEO’s world there is a perfect storm of positivity. And here are his 5 bold housing predictions he’s giving to his staff. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Long-term mortgage rates hit lowest in 19 months

By Trey Garrison A year ago at this time most economists in the industry were projecting mortgage interest rates above 5%. What a difference a year makes. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Zillow posts 41% annual traffic growth

By Trey Garrison Zillow continues to encircle the world of online real estate listings. Here’s a detailed look at their performance for the past two years in terms of the unique traffic their site generates. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

FHA announces 2015 loan limits

By News feed The Federal Housing Administration announced its 2015 conforming loan limits. Spoiler alert: Not much changed. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Strong overall job gains may mean interest rate hikes

By Trey Garrison With job gains the best since January 2012, what reason can the Fed offer not to raise interest rates, and what will be the effect be on mortgage lending? Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Mortgages harder to come by for the self-employed

By News feed Although self-employed borrowers receive 40% fewer purchase loan quotes, new Zillow numbers show they are, nonetheless, better off financially than other potential homeowners with more traditional jobs. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

AEI study: Share of first-time buyers higher than estimated

By Trey Garrison New survey from American Enterprise Institute suggests share of first-time buyers is actually higher than is estimated. Here’s what it could mean for housing, and for mortgage risk. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

3 reasons to support 3% down payments

By News feed Now that the government-sponsored enterprises have announced the return of 3% down loans, the industry is starting to question the potential risk of the product. However, there is one private mortgage insurer who is sticking up for the new product. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

JPMorgan puts another mortgage-bond trader on leave

By News feed Another JPMorgan Chase mortgage-bond trader was put on leave as more regulators crack down on the industry. JPMorgan continues to cooperate with U.S. agencies amid more regulatory scrutiny. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

How to Set Yourself Up for Financial Success in 2015

By Jynell Berkshire In the midst of your holiday celebrations, take time to set yourself up for financial success in 2015.  Here are a few tips to get you started. Set financial goals with milestones now . Read More

Employment jumps 321K in November

By Trey Garrison Employers added 321,000 jobs in November, but behind ther numbers are some continued troubling trends that show weakness. Here’s the breakdown. Category: Product #: Regular price:$ (Sale ends !) Available from: Condition: Good ! Order now! Reviewed by on. Read More

Brooklyn is the country’s least affordable place to live

By News feed According to a report from Bloomberg, a Brooklyn resident making the city’s median income would need to devote 98% of their income to afford the payment on a median-priced home in Brooklyn, where the median home price is $615,000. Read More

Treasury announces HAMP changes

By News feed Under the modified HAMP guidelines, announced Thursday in a joint statement by the U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development, all homeowners in the HAMP program will now be eligible to earn an additional $5,000 in the sixth year of their modification. Read More

Fully 70% of homebuyers don’t know about down payment assistance

By Trey Garrison Even with the FHA getting into 3% down loans, it’s still a hurdle for first-time buyers to save up that downpayment, and most don’t know about programs that could get them over the finish line. Read More

Top 10 lavish celebrity homes of 2014

By News feed While the housing market continues to recover, on the other side of the fence there is a whole different world filled with stunning city and country views and ornate bathrooms that are bigger than the average bedroom — celebrity real estate. Read More

Are there too many appraisers?

By News feed The problems of the housing crisis are far from finished. While some areas may have recovered, a high number of appraisers and low number of homes for sale could be creating a bad scenario. Read More

Hitler is not happy with his Zillow Zestimate

By Trey Garrison For those who don’t know, Downfall is a serious movie about Adolf Hitler’s last days in his bunker. The Downfall satire videos place subtitles around unrelated issues in an effort to turn the drama into comedy. And now, it’s Zillow’s turn. Read More

Good news! Closing a mortgage still makes money

By News feed Breathe easy everyone. Originating a mortgage is still a profitable endeavor. But it wasn’t always this way. Read More

New app helps at-risk distressed homeowners avoid foreclosure rescue scams

By News feed AGScamHelp enables homeowners to search government-vetted companies, report scams and get tips on how to recognize signs of a foreclosure rescue scam. The NY AG brings the latest initiative to try to tackle the massive problem of such scams across the nation. Read More

Moodys: Home sales and homebuilding will take off in 2015

By Trey Garrison Moody’s Investors Services is bullish on housing and homebuilding for 2015, as they say the year will start with near-record low inventories of completed and unsold new homes, and low inventories of existing homes. But there’s a catch. Read More

United Wholesale Mortgage names Justin Glass chief digital officer

By News feed In his new role, Glass will be responsible for United Wholesale Mortgage’s digital innovation and core digital platforms, including web, mobile, CRM, loan transaction systems, as well as future digital innovation. Read More

CoreLogic: September completes 41,000 foreclosures

By News feed The foreclosure inventory continued to trend lower in September, and according to Anand Nallathambi, president and CEO of CoreLogic, if current rates continue, 2015 could mark a new low for foreclosure inventory. Read More

Freddie Mac: Mortgage rates fall even lower

By News feed Mortgage rates continued their downward trend, and this time managed to sink even further below 4% to a new yearly low. Read More

Realtor.com forecast: Millennials will break out in 2015

By Trey Garrison Realtor.com’s chief economist Jonathan Smoke is launching his first annual forecast, and he’s dramatically breaking away from the crowd with a different view of what 2015 holds for housing and mortgage finance. Read More

$89 billion: The principal reduction price tag to save American homeowners

By News feed With the increased debate surrounding principal reduction, Black Knight set out to quantify the scope of the issue. And while the number of underwater borrowers has significantly improved over the years, the number still adds up to a whopping $89 billion. Read More

One in five housing markets less affordable

By Trey Garrison Home prices are out of whack in fully 21% of housing markets, and RealtyTrac breaks it down to the county level to show where the danger zone is. Read More

Report: Full recovery of Arizona’s housing market is still years away

By News feed Panelists at the 51st annual Economic Forecast Luncheon, co-sponsored by Arizona State University’s W. P. Carey School of Business and JPMorgan Chase, said that Arizona’s housing economy is still years away from fully recovering all that was lost due to the economic downturn. But there is a light at the end of the tunnel. Read More

Mark Geragos: More Zillow employees were victims of sexual harassment

By News feed Mark Geragos, the attorney representing Rachel Kremer in her sexual harassment lawsuit against Zillow, said that other Zillow employees have already come forward to corroborate Kremer’s claims that she was the victim of “sexual torture” while working at Zillow. Read More

Homeowners murdered while taking possession of Detroit foreclosure

By News feed A Detroit man and his daughter died after they tried to take possession of a home he’d purchased at a foreclosure auction. A confrontation ensued after they arrived at the home to find the previous owners moving out and allegedly taking more than just their possessions. Read More

Housing, mortgage lending mixed in latest Beige Book

By Trey Garrison National economic activity continued to expand in October and November, while real estate activity across the nation was inconsistent and varied, according to the latest Beige Book from the Federal Reserve Board. Read More

This gingerbread house is the worst real estate investment ever

By News feed It’s being called the world’s most expensive gingerbread house. The price tag? $77,910. For less than two square feet, that undoubtedly makes it the worst real estate investment ever. Read More

Philadelphia Fed: Could principal reduction save bankrupt homeowners?

By News feed Mortgage strip-downs were originally introduced after the housing crisis as a way to reduce the overwhelming amount of houses going into foreclosures. And while lenders successfully blocked the legislation, new data from the Philadelphia Fed shows that lenders may have had it wrong. Read More

D+H moves mortgage lending to the cloud

By News feed The integration will enable lenders to access Optimal Blue product and pricing functionality without leaving the Mortgagebot environment. Read More