Turning worries into opportunities

You’ve heard me on this theme before, but I think it’s more relevant than ever these days. With change, comes opportunity. Yes, QM has slowed the flow of origination a bit. You could also argue that tighter credit, a bad…

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Posted: May 09 2014
Tags: CFPB, mortgage lending, QM, regulatory environment, secondary market
Comments: 2383

Welcome to the Wild West!

Let’s be honest. Right now, it’s like the Wild West out there. The ability to give sub lines to aspiring mortgage bankers may be getting out of hand. Yes, mini-correspondents/emerging bankers bring a lot to the table. I applaud lending…

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Posted: Apr 23 2014
Tags: CFPB, correspondent lending, emerging banker, mini correspondent, warehouse lending
Comments: 1630

If you were hoping for a quiet year…

While 2012 was an excellent year for many bankers and brokers, it’s difficult to say what 2013 has in store for the mortgage industry. The recent CFPB definition of “Qualified Mortgage” still has industry pundits debating what impact, if any,…

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Posted: Jan 30 2013
Tags: Basel III, business planning, CFPB, mortgage regulation, QM
Comments: 1512