Take a look back at some of the biggest developments in the digital mortgage space in 2021.


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How the Caps on DTI, LTV and Credit Score Impact Homebuyers and Shift Credit Risk to other Federal Mortgage Programs

03/26/2021

BACKGROUND: On January 14, 2021, the Treasury Department and the Federal Housing Finance Agency (FHFA) amended the GSE’s Senior Preferred Stock Purchase Agreements (SPSPAs), which shape the terms in which Treasury supports Fannie Mae and Freddie Mac. This analysis looks at how the caps on the GSE’s “Acquisition of Certain Loans” can disproportionately impact homebuyers. […]

Falcon Digital Mortgage June Newsletter

06/28/2022

Ginnie Mae has officially reopened its Digital Collateral Program, a project that our consulting group has been very involved in over the last two years. This is a major step forward for eMortgage securitization.

Falcon Digital Mortgage July Newsletter

07/28/2022

I recently came across a study in the latest issue of theJournal of Structured Finance by MBA Chief Economist Mike Fratantoni about the acceleration of eMortgage adoption. The study looks at the jump in eMortgage adoption over the past few years, specifically fueled by the pandemic and why the market may currently be at a tipping point moving toward a period of more rapid adoption.