May 29, 2013 Rate move's usual impact on lock volumes; another jumbo deal; Ginnie issuance is solid; investor updates
May 28, 2013 Mortgage jobs; readers weigh in on compensation based on channel and source, and QM & ATR
May 25, 2013 Reader input on different topics; and a great primer on current broker compensation plans - BPC & LPC
May 24, 2013 Government furlough days; H.R. 1077's impact on QM and the 3% limit; the MBA weighs in on GSE risk sharing
May 23, 2013 Companies can't count on low rates forever, right? A QE3 primer, and why it could be expensive; HUD disaster relief website list
May 22, 2013 Mortgage jobs; Mel Watt hearings; current origination numbers; foreclosure process slowdown merely a hiccup
May 21, 2013 Mortgage jobs; Freddie's non-usage fees; compliance, LO comp, land sales, and Reg. E tidbits - it's a compliance world
May 20, 2013 Mortgage jobs & branch opportunities; Texas & reverse mortgages; more on possible Ginnie changes; upcoming training
May 18, 2013 Cut LO splits before company margins? Not likely. Reader input on QM, FHA premiums, and risk
May 17, 2013 Capital Markets job; Ginnie I, II, or...III: combining the programs and the advantages to originators; credit unions weigh in on QM
May 16, 2013 Mortgage jobs; should you "man-up" and buy agency stocks? Mortgage litigation tally, and another LPS settlement
May 15, 2013 Mortgage and legal jobs; Is the housing rally for real? Panic locks; a primer on Texas cash out refis
May 14, 2013 Mortgage jobs; a reminder that rates are artificially low; a reminder of a lack of motivation to lend to certain credit score borrowers
May 13, 2013 Mortgage jobs; more on FHA MI & HPML concerns; CFPB update on June 1 change date; bank M&A's continue
May 11, 2013 Reader input on DO/DU & VA loans, FHA life of loan MI, renegotiations, and QM's big June 1 rollout
May 10, 2013 CA eminent domain update; more on venture capital's impact on housing; more state news; Fannie's profit
May 9, 2013 Mortgage jobs; the evolution of correspondent lending; what happens if QE3 ends? Interesting discrimination action
May 8, 2013 Mortgage jobs; lots of state-level licensing changes; Zillow & Nationstar stock prices!
May 7, 2013 Mortgage jobs & expanding correspondents; FHFA confines buying to QM loans; nix the use of personal e-mail addresses
May 6, 2013 Mortgage jobs; 100% LTV credit union programs, but there is common ground for banks and CUs; borrower surveys
May 4, 2013 A profusion of investor & lender updates; a corny joke; how much does that house rent for?
May 3, 2013 Mortgage jobs; Flagstar - MBIA settlement; Redwood Trust earnings; a primer on economic news categories
May 2, 2013 Earnings from PHH, BOK, MGIC, Radian, and others indicate industry trends; focus on the Senate regarding FHFA
May 1, 2013 Mortgage jobs; the CFPB on small lenders and the cost of compliance; does hedging mean free lock renegotiations?
Apr. 30, 2013 Mortgage jobs; organization's roles in LO comp developments - give us clarity! A change to Florida's foreclosure process?
Apr. 29, 2013 Mortage jobs; HUD addresses LO/Realtor combos; a reminder that the CFPB & FDIC can go after employees & consultants
Apr. 27, 2013 Where remodeling dollars are going; blather on the link between underwriting, appreciation, and loan volumes
Apr. 26, 2013 The pricing on Redwood's latest deal; a gaggle of vendor, investor, agency, and seminar updates
Apr. 25, 2013 HARP marketing coming our way; BOK expansion; Zillow website to check out your neighbors; National MI on the move
Apr. 24, 2013 Mortgage jobs; trends in cash out/post-purchase financing; affiliated relationships
Apr. 23, 2013 Mortgage jobs; Navy Fed's 100% program; Reg. Z's Appendix Q; home ownership trends
Apr. 22, 2013 CA's Bill of Rights; the confusing world of FHA & Section 35 loans, QM, HOEPA violations, APOR, and Freddie's rate survey
Apr. 20, 2013 More thoughts on renegotiation strategy, policy, and common sense; Denver's fiesta
Apr. 19, 2013 Ginnie numbers; information on community banks and the tax-free status of credit unions; upcoming gfee increases
Apr. 18, 2013 Mortgage job; Wells & Realtors; foreclosure review issues; bank earnings reflect entire industry trends
Apr. 17, 2013 Mortgage jobs; eminent domain back in the news; HUD Secretary to testify; gold & mortgages
Apr. 16, 2013 Mortgage jobs; transactions covered by the CFPB; FHA & VA pricing jump explained; more on assumability of loan types
Apr. 15, 2013 Mortgage jobs; what Wells & Chase results indicate to mortgage bankers; will you be fined for renegotiating a rate lock?
Apr. 13, 2013 The cost of saving the FHA; the cost of the CFPB and compliance; "understanding men" humor
Apr. 12, 2013 Some astute concerns about disparate pricing, assumable loans, and the CFPB complaint database; Walter buys chunk of reverse mortgage servicing
Apr. 11, 2013 Amazing Detroit mortgage stats; more on lock renegotiations; videos for bank officers & directors; who is Deephaven Mortgage?
Apr. 10, 2013 Mortgage jobs; more thoughts on renegotiations & LO comp; capping gfees? Don't hold your breath
Apr. 9, 2013 Mortgage jobs; recent bank mergers; ugly news for Access National & Golden First; thoughts on new appraisers
Apr. 8, 2013 Mortgage jobs; LOs should know rate locks work both ways; chatter about forced place insurance; what is OMWI?
Apr. 6, 2013 More on the CFPB, exams, and loan transfers; vendor & investor updates; so you wanna be an appraiser?
Apr. 5, 2013 DE underwriter change? MI company fines & MI responses; how much can the CFPB penalize and what does it do with the money?
Apr. 4, 2013 MBA 4th quarter profit numbers study; government plan for those with weak credit; MERS is alive and well
Apr. 3, 2013 Mortgage jobs; the state of applications & pipelines; Goldman's new investment company; clever "joke"
Apr. 2, 2013 Mortgage jobs; Chase cutbacks; FHA MIP clarification; modified loan performance; thoughts on the future of securitization
Apr. 1, 2013 Mortgage jobs; tax implications of cancelled mortgage debt; thoughts on keeping the 30-yr mortgage
Mar. 29, 2013 FTC & CFPB complaint sites; sales of servicing continue; 184 loans return; moron humor on this Good Friday
Mar. 28, 2013 Should LOs care about the new streamline mod program? And more agency & investor updates - they never stop
Mar. 26, 2013 Mortgage jobs; USDA update; various state originator websites & possible law changes; Wells changes stance on attorneys
Mar. 25, 2013 Mortgage jobs in management; HUD app for complaints; what's up with Blackstone and the overall supply & demand picture
Mar. 23, 2013 Denmark's mortgage woes; Sandy aftermath; catch up on investor & agency updates
Mar. 22, 2013 Volume rankings & market share changing, helping smaller lenders; servicing sales a hot topic
Mar. 21, 2013 Mortgage jobs; who needs HARP 3 with rampant loan mods? GSE stocks rally - much ado about nothing? New jumbo security
Mar. 20, 2013 Mortgage job; LO comp based on product type? warehouse banks to approve comp plans? More views on gfee changes
Mar. 19, 2013 Mortgage jobs; thoughts on cutting weak producers; a new GSE in Texas? And how gfees = a tax on borrowers
Mar. 18, 2013 Mortgage job; two Nebraska laws of note; world markets impacted & rates lower due to...Cyprus?
Mar. 16, 2013 News from PHH on USDA, FAMC on broker comp; lenders responsible for UW, not CPAs
Mar. 15, 2013 Improving credit market forces Titanium shut down; what is moving the relative prices of Ginnie, Fannie, & Freddie MBS?
Mar. 14, 2013 Mortgage jobs; MBA compliance classes & QRM update; Blackstone buying $100 million SFH a week; does LO comp plan impact loan default rates?
Mar. 13, 2013 Mortgage jobs, layoffs, and comp surveys; Fannie's DU addresses short sales; apps down and pipelines dropping
Mar. 12, 2013 Mortgage jobs; more on RESPA & Dodd Frank; to appraise or not to appraise, that is the question
Mar. 11, 2013 Mortgage jobs; continued MI news; Ginnie numbers; investor & seminar news
Mar. 9, 2013 How to steal a house; two sides to developments in closing agent vetting; one opinion on the state of the MI business
Mar. 8, 2013 Native Americans & the sequester; Uniform State Test info; interesting prepayment info & how it impacts pricing
Mar. 7, 2013 Mortgage jobs; uniform state test info for LOs; bank dividend controversy; one DOJ case settled
Mar. 6, 2013 Mortgage jobs; credit unions have good year; refresher on types of loans under Qualified Mortgage concept
Mar. 5, 2013 REIT chatter; unbridled financial institution mergers & acquisitions; sticking to the plan with FHFA strategies & securitization platform
Mar. 4, 2013 Mortgage jobs; reverse mortgage lending dips; PHH's private label subservicing; more on hiring millennials
Mar. 2, 2013 Chatter on Ginnie's future & Fannie recent events; warehouse banks eye risk weighting; Fed continues to watch social media
Mar. 1, 2013 QM & the FHA; more on fat 2012 profits; builder-affiliate relationships; on hiring new talent - how about a mentorship program?
Feb. 28, 2013 Mortgage jobs are out there; FHA & the sequester; a note in defense of builder affiliate relationships
Feb. 27, 2013 Mortgage jobs; Chase layoffs; industry volumes but where do we go for 2013? And what is moving rates?
Feb. 26, 2013 Mortgage jobs; paper on agency's future; free bank research site, and status of communty banks
Feb. 25, 2013 Mortgage jobs; FHA Connection site up; more on LO comp numbers; yes, Saudi Arabia is fixing its mortgage industry too
Feb. 23, 2013 The Fed's impact on REITs; USDA update - let's keep our fingers crossed; investor updates
Feb. 22, 2013 You'd better know the cost to produce a loan; smoldering non-agency security market; LO earnings - the tale of Picasso's napkin
Feb. 21, 2013 Mortgage job; capital markets eye margin requirements and QRM; Fed minutes: much ado about nothing
Feb. 20, 2013 Mortgage jobs; letter on CFPB exams; good site for bank research; bank M&A continues; purchase loans cost more than refis?!
Feb. 19, 2013 Mortgage jobs; GMAC channels join ClearPoint in big changes; Basel III concerns alive and well
Feb. 18, 2013 Mortage PR battle; eminent domain still with us; VA defines role of brokers; fixed income markets closed
Feb. 16, 2013 Trends in home ownership - don't count out the youngins; reader input of note
Feb. 15, 2013 REITs roar; Wells moving out of joint ventures, into Europe; two industry questions worth pondering
Feb. 14, 2013 Mortgage jobs; finance industry & cybersecurity; QM's impact on volumes 7 years from now; who owns 10,000 houses?
Feb. 13, 2013 Mortgage jobs; all-cash on the rise while delinquencies drop; Nevada wants to do what?
Feb. 12, 2013 Mortgage jobs; Redwood's 0% default rate; the Nationstar model & the current state of servicing valuation
Feb. 11, 2013 Mortgage jobs; KBW weighs in on PennyMac; notable developments at Nationstar, PMI, and Clearpoint Funding
Feb. 9, 2013 Chinese New Year; thoughts on the Dignity Mortgage; investor news & training opportunities
Feb. 8, 2013 Mortgage jobs; investor bales on wholesale; right of rescission legal ruling; capacity & profit margins; HARP 3 pushes rates up
Feb. 7, 2013 Mortgage jobs; stats and more stats on housing; reminder of Fannie change for affinity/co-op members
Feb. 6, 2013 Mortgage jobs; preventing closing table fraud; zany commercial and multifamily numbers; upcoming events
Feb. 5, 2013 Mortgage jobs; VA IRRL performance; goverment goes after rating agency; HARP 3 chatter
Feb. 4, 2013 Mortgage jobs; soaking up shadow inventory; KBW's opinion of gain on sale margins; small lenders to increase share?
Feb. 2, 2013 FDIC Advisory Committee; Trends in Fannie, Freddie, and Nationstar securitiziation
Feb. 1, 2013 2012 volume - wow! IRS on loan mods; Pulte earnings; reader comments & lender news
Jan. 31, 2013 Mortgage jobs; Western Sky APR! FHA MI change; info on salaried LO's with 3% max; transitional licensing, CRE thoughts
Jan. 30, 2013 Mortgage jobs; WF's comp to be based on quality and speed; amazing list of recent M&A; wassup with rates?
Jan. 29, 2013 Mortgage jobs; Texas ratio primer; unrelated, but bank's deposits & RMIC earnings both drop; Las Vegas ASF chatter
Jan. 28, 2013 Mortgage jobs; social media regulation; DAP changes; regional events; humor from the NFL
Jan. 26, 2013 CFPB not going anywhere despite court ruling; investor updates including PennyMac's move into LP & USB's DAP stance
Jan. 25, 2013 Eminent domain plans dropped; NAR report on internet home shopping; Flag's earnings - stock price tumbles
Jan. 24, 2013 Mortgage jobs; eminent domain back in the news; free training & webinars & vendor & job fair updates
Jan. 23, 2013 Mortgage applications & overall housing prices continue to rally; interest rate movement dead in the water
Jan. 22, 2013 Mortgage jobs; list of LOS actively in the market; prepayments by state; BofA flexing muscles?
Jan. 21, 2013 LO comp, appraisal, and high-price loan rules released - at least lenders have a year to comply with most of it
Jan. 19, 2013 More earnings interpretations - what do they bode for 2013? Lender & training updates
Jan. 18, 2013 F&F approve National MI; new national SAFE MLO test; affiliate relationship thoughts; oh, and those 1,200 pages of servicing rules
Jan. 17, 2013 Mortgage jobs; Chase's mortgage numbers; Discover's discounted appraisal deposits; free webinars & training
Jan. 16, 2013 Mortgage jobs; a little press on self-employed borrowers; investor and M&A updates
Jan. 15, 2013 Mortgage jobs; read carefully before signing Attestation form; interesting buyback ruling information
Jan. 14, 2013 Mortgage jobs; HARP petition; HARP & HAMP's impact on the market; has Fannie been pushing lender approvals, and if so, why
Jan. 11, 2013 How many pages is the actual QM Rule? Buffett likes banks & WF earnings; Federal Reserve earns $89 billion on holdings
Jan. 10, 2013 Mortgage jobs; AIG drops lawsuit; QM: much ado about nothing? The industry hopes so - links to the nitty-gritty details
Jan. 8, 2013 More on the multi-billion dollar settlement; thoughts on LO's W-2 versus 1099
Jan. 7, 2013 Mortgage jobs; BofA settles with Fannie; QM rules this Wednesday? Good news on Basel III; a classic joke to start the week
Jan. 5, 2013 QM right 'round the corner; HR survey from the CFPB; Fannie MBS developments; a few upcoming events & training sessions
Jan. 4, 2013 Asset purchases aren't forever; the CFPB's reach is far; the MBA addresses the Volker Rule and margins; Flag's commercial sale
Jan. 2, 2013 Rates higher after government agreement - NAR weighs in; M&A and concentration in banking - could lenders share back office functions?
Dec. 31, 2012 Mortgage jobs heading into 2013; several states' minimum wages to rise tomorrow; agency & investor updates continue
Dec. 29, 2012 Fed's summary of fiscal cliff; more thoughts on different loan originator standards; who out there is over 100?
Dec. 28, 2012 The MBA & others weigh in on LO training & licensing; (in conjunction with states) the CFPB flexes its muscles
Dec. 27, 2012 Hiring & retaining employees the CFPB way; Mortgage Forgiveness Act in jeopardy?
Dec. 26, 2012 LO education and bank vs. non-bank requirements under the SAFE Act; are foreclosure prices really different?
Dec. 24, 2012 Youth in lending & real estate; Congress adjourns as we near the cliff - but is lack of action better in the long run?
Dec. 22, 2012 Borrower education is important; VA loan limit site; ULDD information; did state troopers really say that stuff?
Dec. 21, 2012 A buyer for servicing; comments about non-agency modifications & stated loans; investors examine who is refinancing
Dec. 20, 2012 Southeast mortgage job; FHA letter threatens standard reverse mortgages; non-agency loan mods coming?
Dec. 19, 2012 Should be a happy builder conference this year; thoughts on the CFPB complaint process
Dec. 18, 2012 US Bank comp plan turning heads; jumbo rates improving on a relative basis; how many of us live paycheck to paycheck?
Dec. 17, 2012 Mortgage jobs; the CFPB on QM and auto financing; ALTA on risk policy and closing policies
Dec. 15, 2012 The CFPB & credit reports; CFPB's nod toward what to include in a policies & procedures manual; servicing retained or released?
Dec. 14, 2012 MBA confirms average lenders are making big bucks; Federal Home Loan Banks in correspondent lending
Dec. 13, 2012 Mortgage jobs; is Triad history? Wells snags a new SVP; what would happen if the Fed stopped buying MBS?
Dec. 12, 2012 Mortgage jobs; reverse mortgage update; credit unions roll on; home loan rates sit
Dec. 11, 2012 Mortgage jobs; IndyMac back in the news; first time home buyer comments; Ocwen's servicing audit not stellar
Dec. 10, 2012 Basic QC manual for dummies like me; FDIC institutions making some coin; the latest on MBA & LO wage lawsuit
Dec. 8, 2012 We're missing first time home buyers; now we have a housing shortage? Investor updates only an underwriter would love
Dec. 7, 2012 Allonhill's personnel roller coaster; state's rights prominent in lending; will 2013 mortgage profits be like 2012?
Dec. 6, 2012 Mortgage jobs; HARP present & future; buybacks not going away; Countrywide headache continues
Dec. 5, 2012 Mortgage jobs; chatter on Elizabeth Warren; CFPB Ombudsman report; investor updates
Dec. 4, 2012 The importance of IT; Fed notices lousy rate sheet pricing; "high cost" clarification; big news from PHH, MGIC, and Digital Risk
Dec. 3, 2012 Congress targets Gfee income again; MBA/STRATMOR peer group sign-ups; mortgages at Wal-Mart?
Dec. 1, 2012 As California goes with housing and employment, so goes the nation? Lots of investor updates
Nov. 29, 2012 Mortgage jobs in the heartland; "cloud-based" valuation; SEC drops Wells Fargo inquiry; more on CFPB exams from OB
Nov. 28, 2012 Mortgage jobs across the nation; a primer on possible FHA changes in 2013 given its red ink
Nov. 27, 2012 Effective risk management program primer; UBS versus FHFA; the CFPB & the insurance industry?
Nov. 26, 2012 CFPB exam findings; thoughts on the CFPB & Dodd Frank determining underwriting; will PMI emerge from bankruptcy?

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Copyright - Rob Chrisman