Qualified Mortgage (QU) Archive

Lesson Learned: Few Risky Mortgage Products in the Market

Three years after the ability to repay (ATR) rule was implemented, the risky mortgage products that became common during the last boom and helped fuel the unsustainable run-up in prices are rare. That is one of the key takeaways...

TRID Costs and Lender Optomism in the 2nd Quarter

Lenders continue to deal with the effects of TRID and wavering investor demand but are more optimistic about investor demand for mortgage in the second half of 2016.  Those are some of the sentiments expressed in the Survey of...

A Looming Renaissance in Special Financing?

Most REALTORS® are not familiar with the nuances of mortgage regulation … they are busy brokering real estate deals.  However, many noticed that it became more difficult to find funding for special clients two to three years ago.  The...

Spring Brings Renewal to Housing Finance

In the 6th Survey of Mortgage Originators, several important trends are highlighted that took shape in the 1st quarter of 2015 and bode well for the second half of 2015.  In addition, a number of policy issues loom on...

4th Quarter Mortgage Originators Survey

The Survey of Mortgage Originators for the 4th quarter of 2014, takes stock of the QM rule, a year after its introduction, as well as a number of policy issues and changes.  Respondents were asked their view of new...