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MBA Newslink
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  • MBA Newslink Wednesday 1-17-18

    "Through its rate hikes and unwinding its balance sheet, the Fed is pushing up short-term rates faster than markets are pushing up longer-term rates. Despite the increase in rates, applications increased both for purchase and refinance. These increases were partly due to an upswing following the hol

  • MBA Newslink Tuesday 1-16-18

    "There were reports that some lenders are serially refinancing borrowers on a regular basis--two or three times a year, maybe even more. And every time that happens, typically more fees are added to the veteran's principal balance and I think that's not a good thing."--MBA Chairman Dave Motley, CMB,

  • MBA Newslink Friday 1-12-18

    "Although buying is still more affordable than renting in the majority of U.S. housing markets, that majority is shrinking as home price appreciation continues to outpace rental growth in most areas."--Daren Blomquist, vice president with ATTOM Data Solutions, Irvine, Calif.

  • MBA Newslink Thursday 1-11-18

    "It's important to focus on options that target churning while not impeding the ability of service members and veterans to obtain a beneficial refinancing. We recognize that the VA program is a unique loan program--an entitlement program for veterans who have served our country. As such, while we su

  • MBA Newslink Wednesday 1-10-18

    "Just because a market is smaller or more affordable doesn't mean it isn't dynamic. Growing cities in the Sun Belt, places like Raleigh, Charlotte and Nashville, offer plenty of opportunities healthcare and finance, while providing a less-expensive, but still-convenient, alternative to the larger an

  • MBA Newslink Tuesday 1-9-18

    "In December a handful of investors made end of the year adjustments to their menu of offerings. This resulted in a net decrease in credit availability for government-backed programs [FHA/VA/USDA] and especially for lower credit score, higher loan-to-value loans, as well as streamline (requiring les

  • MBA Newslink Monday 1-8-18

    "HELOCs have been an attractive option for borrowers to utilize available equity without sacrificing low first- lien interest rates; with interest on these products no longer deductible, the value proposition has changed."--Black Knight Data & Analytics Executive Vice President Ben Graboske.

  • MBA Newslink Friday 1-5-18

    "Although the vacancy rate was flat for the quarter and the year, new tenants including grocery stores and gyms are taking space formerly occupied by bankrupt businesses such as Kmart. At the same time, some retail space is shutting down entirely or getting converted to other uses."--Reis Senior Eco

  • MBA Newslink Thursday 1-4-18

    "Mortgage bankers look to 2018 as another growth year for the commercial and multifamily mortgage markets. The majority of top firms expect a ‘very strong' appetite from lenders and a ‘strong' appetite from borrowers to drive commercial mortgage originations higher."--MBA Vice President

  • MBA Newslink Wednesday 1-3-18

    "Strong demand from buyers and the ongoing inventory shortage keep pushing values higher, especially in some of the nation's booming coastal markets." --Zillow Senior Economist Aaron Terrazas.

  • MBA Newslink Tuesday 1-2-18

    "Three years of low inventory is taking its toll on buyer demand in terms of tour and offer activity. People still want to buy homes, especially before mortgage interest rates increase and prices rise even more. But there just aren't enough homes for sale, especially at lower- to mid-level prices."-

  • MBA Newslink Friday 12-22-17

    "[FHFA] Director [Mel] Watt has expressed significant concern regarding the lack of a capital cushion at the enterprises. This negotiated outcome is far better than the Director taking unilateral action and should put to rest calls for indefinite retention of earnings. "Now that this issue is settle

  • MBA Newslink Thursday 12-21-17

    "In issuing this RFI, FHFA hopes to obtain honest and reliable information and stakeholder feedback on the operational and competition aspects of changing Fannie Mae and Freddie Mac's credit score requirements. Responses to the RFI will provide important details on the complexities of this decision,

  • MBA Newslink Wednesday 12-20-17

    "Had the final bill not included the Rounds Amendment, the change in tax accounting for mortgage servicing rights would have had a devastating impact on the flow of capital that supports a robust and competitive real estate finance market, both single-and commercial/multifamily."--MBA President and

  • MBA Newslink Tuesday 12-19-17

    "Immediate action needs to be taken by the IRS to rectify the recent changes to avoid a material impact to taxpayers who are borrowing money to finance the purchase of their home."--From an MBA/trade group letter to the IRS urging changes to a tax processing procedure that is causing delays in home

  • MBA Newslink Monday 12-18-17

    "It's hard to say whether the use of cryptocurrency to buy and sell homes is a long-term trend or just a blip based on the recent spike in value. In some ways, cryptocurrency investors have just won the lottery, and so it makes perfect sense to buy their dream home. On the other side of the ‘c

  • MBA Newslink Friday 12-15-17

    "Technology was deemed effective at helping home buyers more efficiently find a home to buy and determine how much they can reasonably afford to borrow, but less effective at setting appropriate expectations among millennials on home prices."--First American Financial Corp. Chief Economist Mark Flem

  • MBA Newslink Thursday 12-14-17

    "With this optimistic outlook, driven in part by the spur in demand expected from the tax cuts, it is surprising that the Fed still expects just three rate hikes next year. We think they are likely to revise up this guidance early next year to show four hikes in 2018."--Mortgage Bankers Association

  • MBA Newslink Wednesday 12-13-17

    "H.R. 2948 promotes a 'fair and competitive labor market' by eliminating barriers to the ability of non-bank lenders--especially small lenders--to compete for talented staff, and allowing MLOs to more easily move to the employer that offers them the best chance to succeed."--MBA Senior Vice Presiden

  • MBA Newslink Tuesday 12-12-17

    "The third quarter marks a significant turning point for the CMBS market. With only a few exceptions, since 2008, the balance of commercial and multifamily mortgages held in CMBS has declined each quarter. That years-long trend ended this quarter." --MBA Vice President of Commercial Real Estate Rese

  • MBA Newslink Monday 12-11-17

    "The ownership qualification period for exclusion of capital gains of a principal residence to five of the past eight years [from the current two of the past five years] would disproportionately penalize growing families and discourage labor mobility. We do not believe this is the public policy outc

  • MBA Newslink Friday 12-8-17

    "One of the most significant features of the Dodd-Frank Act was the requirement that lenders, during the underwriting process, carefully demonstrate a mortgage borrower's ability to repay their loan. And while the Qualified Mortgage standard that was developed by the Consumer Financial Protection Bu

  • MBA Newslink Thursday 12-7-17

    "Make sure you have someone on your team who is tuned into diversity and inclusion and will hold you--and the company--accountable for decision-making. We can't make better people, but we can help them make better decisions."--Lissah Taylor Hundley, addressing the MBA Diversity & Inclusion Summi

  • MBA Newslink Wednesday 12-6-17

    "The mortgage-related provisions of this bill provide important relief to the housing market by addressing key regulations including HMDA and the TILA/RESPA integrated disclosure. We are also glad that the bill amends the SAFE Act to provide increased job mobility for loan originators, and includes

  • MBA Newslink Tuesday 12-5-17

    "We believe the outcome would be enhanced consumer access to credit at lower costs." --From an MBA letter to Senate Banking Committee members in support of H.R. 2155, a regulatory relief bill scheduled for markup today.

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