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Bi-Lingual, Subservicing, POS, Warehouse Products; STRATMOR Comp Survey; Freddie and Fannie Changes

I head to Colorado Springs this morning, the scene of $3,000 mountain bikes in bike racks on top of $500 cars. There are roughly 380 bank branches in the city, including mortgage lender NBH. On the flip side, do you work at a non-depository bank, like a mortgage bank or broker? You should know that the Treasury’s Financial Stability Oversight Council voted unanimously to issue (for public comment) new proposed interpretative guidance on the Council’s procedures for designating nonbank financial companies for Federal Reserve supervision and enhanced prudential standards to replace the Council’s existing guidance and describes the procedural steps the Council would take in considering whether to designate a nonbank financial company. This follows the Consumer Financial Protection Bureau's (CFPB) proposal to bring more nonbank financial companies under its direct supervision. (Today’s podcast can be found here and is sponsored by LoanCare, a Fidelity Na ....

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Servicing, Marketing, DSCR, Correspondent Tools; STRATMOR on Customer Service; RESPA Loan Comparison Sites

Not every house is a 3 bedroom, 2 bath, single story subdivision home. Appraisers and underwriters aren’t big fans of places that aren’t, due to the lack of comps or the problems in “salability” should something go wrong. Inventive housing? Watch this house slide open to reveal Flexible Spaces (and an open-air bathroom). Some people have a home theater, but here’s a theater home for sale. And, finding homeowner’s insurance aside, what do kids do in this house when told to clean their room? Housing prices, just like mortgage rates, have at their base the influences of supply and demand. So this story is particularly interesting: “Investor purchases of U.S. homes fell by 45.8 percent on a year-over-year basis, with the largest declines occurring in pandemic boomtowns such as Las Vegas and Phoenix.” In other housing and finance trends, Seattle-based Flyhomes’ mortgage division is offering a “Buy Now Refi Later” p ....

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Broker, ECOA, VA Cash Out Products; Disaster News; Thoughts on Yield Curve and IMBs

Whether or not you think that climate change is real, you can’t deny that there is a climate, and that climate-related disasters occur… to the tune of $170 billion this year per one estimate . And given that state-specific foreclosure laws impact servicing values, and therefore rate sheet pricing, servicing values that vary based on the likelihood of natural disasters in a given areas aren’t a stretch. (More disaster news below.) Something else that that we don’t regularly think about is trucking, and how trucker comp impacts productivity. Thousands of trucks are stacked up, waiting for Highways 50 and 80 to open in the Sierra Nevada mountains, impacting supply chain issues even more. Nationwide, the current “shortage” of truck drivers is reportedly around ....

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