REFinBlog

Editor: David Reiss
Brooklyn Law School

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

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

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

September 13, 2016

Mortgage Market Forecast

By David Reiss

OnCourseLearning.com’s new financial services blog quoted me in Mortgage Rates Likely to Remain Low for Foreseeable Future. It opens, In the weeks since the United Kingdom voted to leave the European Union, previously low interest rates have fallen to near historically … Continue reading

July 1, 2016

The Sloppy State of the Mortgage Market

By David Reiss

I published a short article in the California Real Property Law Reporter, Sloppy, Sloppy, Sloppy: The State of the Mortgage Market, as part of a broader discussion of Foreclosures Following Problematic Securitizations.  The other contributors were Roger Bernhardt, who organized the discussion,  as well as … Continue reading

June 13, 2016

Mortgage Market Overview

By David Reiss

The Urban Institute’s Housing Finance Policy Center issued its May 2016 Housing Finance at a Glance Chartbook. This monthly report is invaluable for those of us who follow the mortgage market closely. The mortgage market changes so quickly and so … Continue reading

May 19, 2016

Divvying up The Mortgage Market

By David Reiss

S&P Capital IQ has posted some Structured Finance Research: The Conforming Loan Limit And Its Effect On The U.S. Private­-Label Mortgage Market. It contains interesting thoughts on how a stabilized secondary mortgage market should be split between government-backed and private-label securitizations. More particularly, … Continue reading