Articles & Op-eds

The Lowdown on Low Down Payment Mortgages

March 15, 2017

You would like to buy, but you can’t manage that 20 percent down payment. Does this sound familiar?

HUD’s Suspension of FHA MIP Rate Cut: What It Really Means

January 25, 2017

On Friday, January 20, 2017, the new Administration’s U.S. Department of Housing and Urban Development (HUD) suspended a January 9 announcement by the outgoing Obama Administration’s HUD and its Federal Housing Administration (FHA) regarding a planned reduction in FHA mortgage insurance premiums (MIP) for borrowers.

An affordable way to qualify for a home loan without that big down payment

December 12, 2016

Families with down payments as low as 3 or 5 percent have been able to purchase a home thanks to private mortgage insurance (MI) for 60 years. Since 1957, MI has helped 25 million families become homeowners. In the past year alone, MI helped more than 795,000 homeowners purchase or refinance a mortgage. Nearly half were first time homebuyers and more than 40 percent had incomes below $75,000.

Time to Be Transparent about Fannie and Freddie Upfront Risk Fees

December 8, 2016

Data show homeownership has become out of reach for many and that reducing or eliminating upfront fees is overdue.

2017: An Opportunity to Coordinate America’s Housing Policy

December 1, 2016

The outcome of the historic 2016 election means that one party will control all three branches of government starting in 2017, which presents a unique opportunity to examine the underpinnings of the housing finance system and establish a more comprehensive and coordinated approach to housing policy, rather than just tinkering around the edges of the mortgage finance industry.

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