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Non-QM, CD Automation, Marketing, Fulfillment AllRegs Products; FHA News and Trends

“Last week I told a joke over a Zoom meeting. It wasn’t even remotely funny.” Working remotely from home, or at least adopting a hybrid model, is something I hear about from lenders and vendors everywhere in my travels. There probably aren’t too many bankers at First Republic working from their sofas these days. Recall that First Republic, which announces earnings next Monday and continues to be mentioned by analysts despite things quieting down in the overall banking sector, received $30 billion in deposits from a group of big banks, but there was no equity. If that $30 billion is converted to equity, for example, then First Republic’s troubles are over but as it is the stock is trading at less than 20 percent of tangible book value. Those “in the know” will suggest that either a sale or a seizure is likely, probably at a discount or some set of provisions. Originating loans with 3.5% weighted average coupon in this market when you have to pay 4-4.5-5% for deposits doesn’t work very well. As one industry vet suggested, “It is a great franchise with real value. But they will have to change their lending strategy.” (Today’s podcast can be found here and is sponsored by Candor. Candor’s patented automated underwriting decision engine, CogniTech™, is a state-of-the-art, 100 percent machine platform that can handle infinite loan scenarios.) Lender and Broker Services, Products, and Software The library is officially open. MGIC’s new first-time homebuyer resource library is full of free educational downloads to share with borrowers, including the popular Get Ready series! Easily explain credit, how to prevent identity theft, budgeting, down payments and more. All available in English and Spanish. Designed to help you stand out as a trusted advisor. Best of all: absolutely no late fees! Browse the first-time homebuyer resource library now.

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Marina Walsh

Marina Walsh
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Share Of Mortgages In Forbearance Falls Again In February

The percentage of borrowers in forbearance fell for the 21st consecutive month in February, according to a monthly survey by the Mortgage Bankers Association (MBA). The MBA’s monthly Loan Monitoring Survey found the number of loans in forbearance decreased 12 basis points in February from January, falling to 1.18% of servicers’ portfolio volume as of February 28, down from 1.3% a month earlier. The MBA estimated that 590,000 homeowners are in forbearance plans.

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Remaining Forborne Loans May Require Additional Relief

The Mortgage Bankers Association (MBA) has initiated a new monthly Loan Monitoring Survey , to replace its Weekly Forbearance and Call Volume Survey which it published weekly from the start of the pandemic through December 1. The new report covers both forbearances and loan delinquencies for the month of December. At the end of the reporting period MBA estimated that 750,000 loans remained in forbearance, 1.41 percent of mortgages in servicer portfolios. This is a 26-basis point decline over the course of the month. By stage, 23.2 percent of total loans in forbearance were in the initial forbearance plan stage, while 63.1 percent were in an extension . The remaining 13.7 percent are forbearance re-entries, including re-entries with extensions. The share of Fannie Mae and Freddie Mac (GSE) loans in forbearance decreased 8 basis points to 0.68 percent during the month and Ginnie Mae (FHA and VA) loans fell 47 basis points to 1.63 percent. The share of forborne loans among those serviced for bank portfolios and private-label securities (PLS) declined 51 basis points to 3.43 percent.&nbsp; “The share of loans in forbearance continued to decline in December 2021. This was especially the case for government and private-label and portfolio loans, as those loans have higher levels of forbearance than loans backed by Fannie Mae and Freddie Mac,” said Marina Walsh, CMB, MBA’s Vice President of Industry Analysis. “With the number of borrowers in forbearance continuing to decrease below 750,000, the pace of monthly forbearance exits reached its lowest level since MBA started tracking exits in June 2020.”&nbsp;&nbsp;

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Hard Knocks Open Doors For Mortgage Servicing Opportunities

Mortgage servicing is back in the spotlight in a way that we haven’t seen since the post-financial crisis era. Many servicers who went through the ramifications of the housing crisis were educated in the school of hard knocks, but ended up graduating into prominent leadership roles due to their performance during that time. And quite a few women in mortgage servicing turned that experience into new opportunities.

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Mortgage Loans in Forbearance Dips to 2.2 Percent

Based on the Mortgage Bankers Association's latest Forbearance and Call Volume Survey revealed that the total number of loans now in forbearance decreased by 7 basis points from 2.28% of servicers' portfolio volume in the prior week to 2.21% as of October 17, 2021.

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Mortgages in Forbearance Dips to 2.15 Percent in U.S.

The Mortgage Bankers Association's latest Forbearance and Call Volume Survey revealed that the total number of loans now in forbearance decreased by 6 basis points from 2.21% of servicers' portfolio volume in the prior week to 2.15% as of October 24, 2021. The MBA now estimates 1.1 million homeowners are in forbearance plans.

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Mortgage Loans in Forbearance Dips to 2 Percent in Late October

Based on the Mortgage Bankers Association's latest Forbearance and Call Volume Survey revealed that the total number of loans now in forbearance decreased by 9 basis points from 2.15% of servicers' portfolio volume in the prior week to 2.06% as of October 31, 2021.

Freddie-mac , Mike-fratantoni , Ginnie-mae , Mortgage-bankers-association , Fannie-mae , Call-volume , Call-volume-survey , Vice-president , Weekly-real-estate , Estate-listings ,

Calculated Risk

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Mortgage Loans In Forbearance Dips To 2.15%

The total number of loans now in forbearance nationwide decreased slightly in the past week, according to the Mortgage Bankers Association.

The MBA’s latest Forbearance and Call Volume Survey revealed that 1.1 million, or 2.15%, of homeowners are in forbearance plans as of Oct. 24, down from 2.21% a week earlier.

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