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September 2017 Archives

Borrower Equity Update: Second Quarter 2017

Three-quarters of a Million Borrowers Achieved Positive Equity Over the Past 12 Months

Molly Boesel    |    Property Valuation

 
  • National share of homes with negative equity fell to 5.4 percent in Q2 2017.
  • Homeowner equity more than doubled in the past five years.
  • Nevada saw the largest improvement in the negative equity share over the past year, falling 4.8 percentage points.

The amount of equity in mortgaged real estate increased by $403 billion in Q2 2017 compared with Q1...

The How, What and When of Mortgage Fraud Discovery: 6 Touchpoints Over the Life of a Loan

Part II of III in a series

Bridget Berg    |    Mortgage Performance

 

Based on my discussions with industry participants over the years, it’s safe to say most people believe that discovering fraud is mainly an origination workflow event. However, the truth is fraud can be discovered at a number of events in the life of a loan. Here’s a quick summary of where and when fraud can occur within your current workflow.

1. Prior to loan closing in...

Five Reasons Why Mortgage Fraud is Hard to Detect

Part I of III in a series

Bridget Berg    |    Mortgage Performance

 

“It ain't what you don't know that gets you into trouble. It's what you know for sure that just ain't so." - Mark Twain.

Unlike most common forms of financial fraud, mortgage fraud takes a long time to present itself, and as a result can lull lenders into a false sense of security....

A Closer Look at Freddie’s Single-Family Loan-Level Dataset

Freddie Mac Data Shows Underwriting Policy Has Not Eased Too Much

Michelle Wu    |    Mortgage Performance

 

Recently Freddie Mac released its fixed-rate, loan-level data to increase transparency into the agency’s mortgage practice1. A new analysis from CoreLogic shows that underwriting policy has eased only a little bit since the depths of the financial crisis.

...

U.S. Housing Policy Outlook: September 2017

115th Congress Returns from August Recess with a Full Agenda

Stuart Pratt    |    Videos

 

Alyson Austin, principal communications for CoreLogic, puts Head of Public Policy and Industry Relations, Stuart Pratt through a lightning round of questions about next possible actions from Congress in the coming months. After the August recess, what issues will they tackle next? There are hot topics on the Hill right now, including the NFIP reauthorization deadline; income tax...