Ability to Repay Archive

Reach of New Risky Loans Still Modest

Despite reports of a rise in non-QM lending, participants in NAR’s 1st quarter Survey of Mortgage Originators indicated that the non-QM share of the market was anemic. While the non-QM market shrank the share of loans that fall under...

Lenders Give Dodd-Frank a Second Look

The Dodd-Frank regulations were intended to correct many of the problems witnessed during the build-up to the subprime financial crisis. In recent quarters, market participants and politicians have debated both tweaks to and wholesale replacement of the Dodd-Frank laws....