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OFHEO: GSEs Could Buy All New Originations
(2008-05-22 00:16:05)
Reinforcingtheirpositionasthecornerstonesofthe
Americanhousingmarket,FannieMaeandFreddieMac
nowhaveenoughcapitalonhandtopurchaseall
$2trillionworthofmortgagesthatareexpectedto
beoriginatedthisyear,theirsafety-and-soundness
regulatorsaidattheConferenceofStateBankSupervisors\'
annualmeeting.
WhileFannieandFreddiehavebeenslowtopurchase
so-calledjumboconformingloans,the...[阅读全文]
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Experts Say High Re-Default Rates Inevitable -- ZT
(2008-04-17 17:00:48)
Manysubprimeborrowerswhoreceiveloanmodificationsare
stilllikelytofallbackintodefault,accordingtoservicing
executiveswhospokeThursdayatSourceMedia\'ssecondannual
mortgageservicingconferenceinDallas.
Weakhousingmarkets,apossiblerecession,andchanging
borrowerbehaviormeanthathelpingborrowersavoidforeclosure
bymodifyingtheirloanswillnotalwayskeepthoseborrowers
outoftroublefo...[阅读全文]
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Group Launches MortgageTown Website
(2008-04-02 23:06:27)
TheNationalConsumersLeaguehasannouncedthelaunchof
MortgageTown,awebsiteaimedathelpingprospectivebuyers
understandtherisksandbenefitsofhomeownership.
MortgageTownexplainsnineessentialstepstofinancing
ahome,advisingconsumersonchoosingtherightloan,
closingonahome,protectingthemselvesfromfraud
andpredatorylenders,andpreventingforeclosure.
MortgageTownisauser-friendlyandreli...[阅读全文]
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OFHEO Agrees to Loosen Capital Requirements--ZT
(2008-03-20 23:38:59)
OFHEOhasformallyagreedtoloosencapitalrequirements
onFannieMaeandFreddieMacinamovetheagencyexpects
toprovideupto$200billioninimmediateliquidityto
theMBSmarket.
OFHEOestimatesthatcombinedwithexistingcapabilities,
thenewinitiativeshouldallowthegovernment-sponsored
enterprisestopurchaseorguaranteeabout$2trillion
inmortgagesthisyear.
Undertheplan,OFHEOisreducingits30%cap...[阅读全文]
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Fannie to Begin Buying Jumbos April 1
(2008-03-10 23:28:50)
1)Allloanshavetobemanuallyunderwrittenuntil
itsautomatedunderwritingsystemisupdated.
2)Despitetheconservativelendingstandards,
Fannieischargingaspecialfeeof25basispoints
onfixed-ratejumbosanda75-bpfeeonARMs.
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Latest News on Super-conforming Loan Limits
(2008-03-07 12:44:30)
1)ThelimitwillbeeffectiveasearlierasMarch17th
(Somelenders).
2)GSEswillpurcahse30yrfixedand15yrfixedAprilst.
Purchase5/1ARMMay1st
3)Herearesomeguidelines:
a)Nocash-outallowed.
b)PurchaseCLTV90%for15yrfixedand30yrfixed.
CLTV80%for5/1ARM.
c)Forrefi,LTV/CLTVis75%/95%.
So1stloancanonlybe75%.
MinimumFICO660.
d)For2ndhomes,CLTV60%.
QQHmeifyouhavemorequesti...[阅读全文]
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OFHEO Lifting GSE Portfolio Caps -- ZT
(2008-02-27 11:19:48)
TheOfficeofFederalHousingEnterpriseOversight
isliftingtheportfoliocapsonFannieMaeandFreddieMac,
whichwillallowthetwogovernment-sponsoredenterprises
toprovidemoreliquiditytothemortgagemarketandinvestinjumbomortgages.
OFHEOwillremovetheportfoliogrowthcapsforbothcompanies
onMarch1,2008,OFHEODirectorJamesLockhartsaid.
TheunexpectedactiongivestheGSEsmoreroomtouse
theirnewaut...[阅读全文]
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New Conforming Loan Limits will be ready 30 days after Bush sign
(2008-02-13 08:59:34)
TheFederalHousingAdministrationexpectstobeginprocessing
thesehigher-balanceloans30daysafterPresidentBushsigns
thebill.
JohnGarvin,deputyassistantsecretaryoftheDepartmentofHousingandUrbanDevelopmentsaidthat150kmoreloanswillbeendorsed(85,000willbepurchaseloansand69,000willberefinancings).
HenotedthatHUDiscalculatingtheloanlimitsformetropolitanstatisticalareas,whichshouldbecompletedwi...[阅读全文]
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Congress Passes Stimulus Bill
(2008-02-09 00:34:27)
Congresshaspassedtheeconomicstimulusbillthattemporarily
raisestheloanlimitsforFannieMae,FreddieMacandtheFederal
HousingAdministrationinhigh-costareastoprovideneeded
liquidityinthejumbomortgagemarket.
TheSenatebackedthestimulusbillbyan81-16voteonThursday
afterexpandingthetaxrebatetoseniorsanddisabledveterans.
TheHouseapprovedthechangeslaterthatnightbya380-34
vote.Preside...[阅读全文]
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祝新的一年，人人都有健康的身心 及〝鼠〞不完的歡笑和財富
(2008-02-07 10:50:22)
Maytheyearoftheratwillbringyouandyour
familyhealth,happinessandprosperity.
Therearesomechangesforthemortgageindustry(forthose
whowanttorefiandpurchase):
1)Itwillbehardertoget2ndloaninthewholesalemarket.
Especiallyforthosewhomakeslessthan15%downpayment.
2)TheCongressandPresidentwillapprovethenewConforming
LoanLimit.Thelimitwillbegoodtemporarytill12/31/2008.
Itwasprop...[阅读全文]
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