by Sal Miosi | Dec 20, 2017 |
As we fast approach 2018, we are still no closer to defining the role of government-backed mortgage insurance provided by the Federal Housing Administration (FHA). Housing reform that reduces taxpayer risk is a hot topic; however, we seldom include the FHA’s role in...
by Patrick Sinks | Jan 11, 2017 |
Our country’s approach to housing policy has become severely disjointed — to the point some would label as dysfunctional. It certainly makes no sense to me or to many people I speak with. This is why in June of last year, I blogged about the need to have a discussion...
by Patrick Sinks | Nov 7, 2016 |
Private mortgage insurance (MI) is a reliable and transparent form of credit risk protection for originators and servicers of all types and sizes. This is an undisputable fact backed by a 60-year history of mortgage insurers serving market participants in an inclusive...
by Ted Durant, MBA | Jun 28, 2016 |
The US housing finance system remains unchanged since 2008, when the Federal Housing Finance Authority (FHFA) placed Fannie Mae and Freddie Mac (the GSEs) into conservatorship. As a result, the GSEs continue to present a significant risk exposure to the taxpayers....
by Patrick Sinks | Jun 15, 2016 |
As we enter the summer and the housing market continues to recover from the Great Recession, what seems like an annual ritual has begun again. Rumors have started, and positions are being put forth that the Federal Housing Administration (FHA) should reduce its...