Mortgage Archive

Drivers of Tight Mortgage Credit

In recent years, pundits have spoken of tight lending and the need to expand access to credit to the broadest group of credit worthy borrowers. A number of issues have been cited as reasons for tight credit including law...

How Much Will Your Monthly Payment Change?

Mortgage rates have been rising sharply over the past couple of months. The 30-year fixed-rate mortgage was 4.2 percent in December, the highest of 2015 and 2016, and it appears to stay above 4 percent for a long while....

Rural Housing Service: The Silent Surge

The 2014 HMDA data provide interesting market insights. The FHA continues to shrink giving way to an expanding conventional market. The most dramatic change from a decade ago is the role of the Veterans Administration, Rural Housing Service (RHS),...

Maturing CRE Debt—the $87 Billion Perspective from REALTORS® Markets

The U.S. investment market totaled $6.2 trillion in 2015, with 57.3 percent of the figure comprising debt-based investment assets and the remainder accounted for by equity-based properties. On the debt side, chartered depository institutions (banks) accounted for the bulk...

Applications for Purchase Mortgages: TRID Effects?

Applications for purchase mortgages surged 11.9 percent for the week ending November 13th after a tepid 0.1 percent gain in the prior week, but the 4-week moving average remains strong. The volume of applications surged in the lead up...