REFinBlog

Editor: David Reiss
Brooklyn Law School

February 7, 2017

Housing Booms and Busts

By David Reiss

Patricia McCoy and Susan Wachter have posted Why Cyclicality Matter to Access to Mortgage Credit to SSRN. The paper is now particularly relevant because of President Trump’s plan to roll back Dodd-Frank’s regulation of the financial markets, including the mortgage market. … Continue reading

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February 7, 2017 in MBS industry | Permalink | No Comments

November 21, 2016

The Trump Effect on Mortgage Rates

By David Reiss

The Christian Science Monitor quoted me in What Does President Trump Really Mean for Mortgage Rates? It opens, In the week following the election, mortgage rates soared nearly half a percentage point. Average weekly 30-year fixed home loan rates are back above … Continue reading

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November 21, 2016 in MBS industry | Permalink | No Comments

November 18, 2016

Low Down Payment Mortgages, Going Forward

By David Reiss

TheStreet.com quoted me in Home Loan Down Payments Are in Decline: Will Uncle Sam Ride to the Rescue? It opens, President-elect Donald Trump has enough problems on his hands as his administration takes shape, with the economy, health care, geopolitical strife and … Continue reading

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November 18, 2016 in MBS industry | Permalink | No Comments

November 4, 2016

The Jumbo/Conforming Spread

By David Reiss

Standard & Poor’s issued a research report, What Drives the Variation Between Conforming and Jumbo Mortgage Rates? It opens, What drives the variation between the conforming and jumbo mortgage rates for the 30-year fixed-rate mortgage (FRM) product offered in the … Continue reading

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November 4, 2016 in MBS industry | Permalink | No Comments

October 28, 2016

Mortgages from the Shadows

By David Reiss

    Realtor.com quoted me in ‘Shadow Banks’ Are on the Rise for Home Loans: Should We Be Afraid? It opens, Where do home buyers go for a mortgage? To a bank, of course—or at least that’s what many might think. Yet a new … Continue reading

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October 28, 2016 in MBS industry | Permalink | No Comments

October 6, 2016

Credit Card Debt and Your Mortgage

By David Reiss

  Realtor.com quoted me in Fannie Mae Taking a Closer Look at Applicants’ Credit Card Payments. It opens, If you feel like you’ve been managing your debt just fine, making the minimum payment on your credit cards on time every month, … Continue reading

September 19, 2016

Subprime v. Non-Prime

By David Reiss

The Kroll Bond Rating Agency has issued an RMBS Research report, Credit Evolution: Non-Prime Isn’t Yesterday’s Subprime. It opens, Following the private label RMBS market’s peak in 2007 and the ensuing credit crisis, non-agency securitizations of newly originated collateral have … Continue reading

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September 19, 2016 in MBS industry | Permalink | No Comments