Underwriting to "Shadow Rent" in Compliance with Ability-to-Repay/QM Rules?
Getting some attention because of Fannie Mae's HomeReady and other innovative programs, this is an interesting question to review "Shadow...
4-Step Self-Assessment for Fair Lending Pricing Problems
You probably wonder if your attention to fair lending pricing issues is overkill. Could you be using your time more wisely? Well I...
Ben - Duplicate Template
You know, I could have put in a clickbate headline like "Click to see biggest improvement to customer service in mortgage banking (which...
Answering a Few Questions on the New HMDA Rules
A few weeks ago I published the slides to a presentation I did on the new HMDA rules. One slide, slide 33, had questions with no answers....
Are No-Verification Loans Making a Comeback?
You've probably heard the rumors or even seen advertisements. Mortgage loan with no income or asset verification! ("Just sign and...