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HOUSING FINANCE POLICY CENTER PUBLICATIONS AND BLOG POSTS Publications
OCTOBER–DECEMBER 2015
Delivering on the Promise of Risk-Sharing 1.December 1, 2015 Laurie Goodman, Jim Parrot, Mark Zandi
Americans’ Debt Styles by Age and over Time 2.November 16, 2015 Wei Li, Laurie Goodman
Declining Agency MBS Liquidity Is Not All 3.about Financial Regulation November 2, 2015 Karan Kaul, Laurie Goodman
The Demographics of Demand 4.October 15, 2015 Laurie Goodman
Detroit Housing Tracker: Q3 2015 5.October 5, 2015 Bing Bai, Laurie Goodman, Karan Kaul
Proposed Changes to the Federal Housing 6.Administration’s Loan-Level Certification October 1, 2015 Jim Parrott, Laurie Goodman, Mark Zandi
JULY–SEPTEMBER 2015
Single-Family Rentals: A New Approach to 7.Affordable Housing September 28, 2015 Dan Magder, Laurie Goodman
The Rebirth of Securitization: Where Is the 8.Private-Label Mortgage Market? September 10, 2015 Laurie Goodman
Fixing FHA’s Certification: Time to Turn a 9.Sword into a Plowshare September 3, 2015 Jim Parrott
FHA’s Proposed Servicing Reforms Need More 10.Thought August 28, 2015 Laurie Goodman
Principal Reduction and the GSEs 11.August 18, 2015 Laurie Goodman, Jim Parrott, Jun Zhu
The Credit Box Shows Early Signs of Loosening: 12.Evidence from the Latest HCAI Update July 21, 2015 Bing Bai, Wei Li, Laurie Goodman
Fixing the FHA’s Loan Certification: A Proposal 13.July 14, 2015 Laurie Goodman, Jim Parrott, Lewis Ranieri, Ellen Seidman, Mark Zandi
JANUARY–JUNE 2015
Use the Expanded-Data Index to Set Mortgage 14.Loan Limits June 17, 2015 Laurie Goodman
Headship and Homeownership: What Does the 15.Future Hold? June 8, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
Page 1 of 25
Privatizing Fannie and Freddie: Be Careful 16.What You Ask For May 18, 2015 Jim Parrott, Mark Zandi
TILA-RESPA Integrated Disclosure: Examining 17.the Costs and Benefits to the Real Estate Settlement Process May 14, 2015 Laurie Goodman
Wielding a Heavy Enforcement Hammer Has 18.Unintended Consequences for the FHA Mortgage Market May 7, 2015 Laurie Goodman
A Closer Look at the Data on First-Time 19.Homebuyers May 1, 2015 Bing Bai, Jun Zhu, Laurie Goodman
A Modest Recalibration of GSE Pricing 20.April 17, 2015 Jim Parrott
The GSEs’ Shrinking Role in the Multifamily 21.Market April 8, 2015 Karan Kaul
The Impact of Tight Credit Standards on 2009–22.13 Lending April 2, 2015 Laurie Goodman, Jun Zhu, Taz George
Early Steps Down the Path of GSE Reform 23.March 23, 2015 Jim Parrott
What to Make of the Dramatic Fall in GSE 24.Profits March 16, 2015 Jim Parrott
The Impact of Early Efforts to Clarify Mortgage 25.Repurchases March 12, 2015 Laurie Goodman , Jim Parrott , Jun Zhu
The US Treasury’s Credit Rating Exercise 26.February 6, 2015 Laurie Goodman, Jim Parrott
Loss Severity on Residential Mortgages 27.February 2, 2015 Laurie Goodman , Jun Zhu
The Federal Housing Finance Agency’s Federal 28.Home Loan Bank Members Proposal Overshoots the Mark January 13, 2015 Laurie Goodman, Jim Parrott, Karan Kaul
The 2014 Actuarial Report on the FHA Mutual 29.Mortgage Insurance Fund January 6, 2015 Laurie Goodman
Page 2 of 25
JULY–DECEMBER 2014
Servicing Is an Underappreciated Constraint on 30.Credit Access December 16, 2014 Laurie Goodman
A Better Measure of Mortgage Application 31.Denial Rates December 2, 2014 Wei Li, Laurie Goodman
Measuring Mortgage Credit Availability Using 32.Ex-Ante Probability of Default November 18, 2014 Wei Li, Laurie Goodman
Measuring Mortgage Credit Accessibility 33.November 3, 2014 Wei Li, Laurie Goodman, Ellen Seidman, Jim Parrott, Jun Zhu, Bing Bai
Comment Letter on the CFPB’s HMDA 34.Mortgage Data Proposal October 22, 2014 Ellen Seidman, Laurie Goodman, Wei Li, Jim Parrott, Kathryn L.S. Pettit, Carlos Martín, Peter Tatian
Assessing the Proposed Housing Goals 35.October 22, 2014 Jim Parrott, Laurie Goodman, Wei Li, Ellen Seidman, Jun Zhu
Comment Letter on the CFPB’s HMDA 36.Mortgage Data Proposal October 20, 2014 Ellen Seidman, Wei Li, Jim Parrott, Carlos Martín, Kathryn L.S. Pettit, Peter A. Tatian
Assessing the Proposed Housing Goals 37.October 20, 2014 Jim Parrott, Laurie Goodman, Wei Li, Ellen Seidman, Jun Zhu
A New View of the Housing Boom and Bust 38.September 17, 2014 Bing Bai, Taz George
HARP Significantly Reduced Mortgage Default 39.Rates September 3, 2014 Jun Zhu
Charting the Course to a Single Security 40.September 3, 2014 Laurie Goodman, Lewis Ranieri
Putting Mortgage Insurers on Solid Ground 41.August 26, 2014 Mark Zandi, Jim Parrott, Cristian deRitis
A Realistic Assessment of Housing Finance 42.Reform August 18, 2014 Laurie Goodman
Guarantee Fees - An Art, Not a Science 43.August 14, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott, Jun Zhu
Nonbank Specialty Servicers: What’s the Big 44.Deal? August 4, 2014 Pamela Lee
VA Loans Outperform FHA Loans. Why? And 45.What Can We Learn? July 16, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
A Johnson-Crapo Dialogue 46.July 14, 2014 Jim Parrott, Ellen Seidman, Laurie Goodman
Page 3 of 25
JANUARY–JUNE 2014
Supplementing the Compare Ratio: An 47.Important Step toward Opening the Credit Box June 9, 2014 Laurie Goodman
Why Long-Term GSE Reform Requires 48.Congress May 22, 2014 Jim Parrott
HAMP Modifications: Is Reset Risk an Issue? 49.May 14, 2014 Laurie Goodman, Jun Zhu
A Strong Pivot from the New Director of FHFA 50.May 13, 2014 Jim Parrott
Don’t Let Fannie-Freddie Reform Fizzle 51.April 25, 2014 Mark Zandi, Jim Parrott
Johnson-Crapo GSE Discussion Draft: A Few 52.Suggestions for Improvement April 15, 2014 Laurie Goodman, Ellen Seidman
National Mortgage Settlement: Lessons 53.Learned April 14, 2014 Laurie Goodman, Maia Woluchem
OASIS: A Securitization Born from MSR 54.Transfers April 1, 2014 Laurie Goodman, Pamela Lee
Where Have All the Loans Gone? The Impact of 55.Credit Availability on Mortgage Volume March 13, 2014 Laurie Goodman, Jun Zhu, Taz George
Lifting the Fog around FHA Lending? 56.March 13, 2014 Jim Parrott
The Mortgage Forgiveness Debt Relief Act Has 57.Expired. Renewal Could Benefit Millions. February 14, 2014 Laurie Goodman, Ellen Seidman
Single-Family Securitized Financing: A 58.Blueprint for the Future January 17, 2014 Laurie Goodman
GSE Reform: Diversification Is Critical in Sizing 59.the Capital Requirement in the New Regime January 15, 2014 Laurie Goodman, Jun Zhu
FHA Loan Limits: What Areas Are the Most 60.Affected? January 15, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
FEBRUARY–DECEMBER 2013
Housing Finance Reform: Fundamentals of 61.Transferring Credit Risk in a Future Housing Finance System December 12, 2013 Laurie Goodman
Sunset Provisions on Reps and Warrants: Can 62.They Be More Flexible While Still Protecting the GSEs? November 27, 2013 Laurie Goodman, Jun Zhu
Page 4 of 25
The Impact of Mortgage Rate Increases on 63.Housing Affordability November 12, 2013 Lan Shi, Laurie Goodman
Reps and Warrants: Lessons from the GSEs 64.Experience October 24, 2013 Laurie Goodman, Jun Zhu
The GSE Reform Debate: How Much Capital Is 65.Enough? October 24, 2013 Laurie Goodman, Jun Zhu
Eminent Domain: The Debate Distracts from 66.Pressing Problems October 24, 2013 Pamela Lee
QRM Comment Letter: Credit Risk Retention 67.October 24, 2013 Laurie Goodman
Opening the Credit Box 68.September 30, 2013 Jim Parrott, Mark M. Zandi
A Pragmatic Plan for Housing Finance Reform 69.June 19, 2013 Ellen Seidman, Phillip L. Swagel, Sarah Rosen Wartell, Mark Zandi
Sustainable Housing Finance: Perspectives on 70.Reforming FHA April 10, 2013 Sarah Rosen Wartell
Addressing FHA’s Financial Condition and 71.Program Challenges Part II February 28, 2013 Sarah Rosen Wartell
Page 5 of 25
HOUSING FINANCE AT A GLANCE: A MONTHLY CHARTBOOK
December 15, 2015
November 19, 2015
October 20, 2015
September 25, 2015
August 26, 2015
July 29, 2015
June 26, 2015
May 20, 2015
April 21, 2015
March 18, 2015
February 17, 2015
January 20, 2015
December 16, 2014
November 18, 2014
October 22, 2014
September 16, 2014
August 20, 2014
July 22, 2014
June 17, 2014
May 20, 2014
April 15, 2014
March 18, 2014
February, 14, 2014
January 21, 2014
December 19, 2013
November 18, 2013
October 24, 2013
Page 6 of 25
Publications by Topic
CREDIT ACCESS
The Credit Box Shows Early Signs of Loosening: 1.Evidence from the Latest HCAI Update July 21, 2015 Bing Bai, Wei Li, Laurie Goodman
The Impact of Tight Credit Standards on 2009–2.13 Lending April 2, 2015 Laurie Goodman, Jun Zhu, Taz George
The Impact of Early Efforts to Clarify Mortgage 3.Repurchases March 12, 2015 Laurie Goodman, Jim Parrott, Jun Zhu
Servicing Is an Underappreciated Constraint on 4.Credit Access December 16, 2014 Laurie Goodman
A Better Measure of Mortgage Application 5.Denial Rates December 2, 2014 Wei Li, Laurie Goodman
Measuring Mortgage Credit Availability Using 6.Ex-Ante Probability of Default November 18, 2014 Wei Li, Laurie Goodman
Where Have All the Loans Gone? The Impact of 7.Credit Availability on Mortgage Volume March 13, 2014 Laurie Goodman, Jun Zhu, Taz George
Sunset Provisions on Reps and Warrants: Can 8.They Be More Flexible While Still Protecting the GSEs? November 27, 2013 Laurie Goodman, Jun Zhu
Reps and Warrants: Lessons from the GSEs 9.Experience October 24, 2013 Laurie Goodman, Jun Zhu
Opening the Credit Box 10.September 30, 2013 Jim Parrott, Mark Zandi
CRISIS RESOLUTION
Detroit Housing Tracker: Q3 2015 1.October 5, 2015 Bing Bai, Laurie Goodman, Karan Kaul
The Rebirth of Securitization: Where Is the 2.Private-Label Mortgage Market? September 10, 2015 Laurie Goodman
HAMP Modifications: Is Reset Risk an Issue? 3.May 14, 2014 Laurie Goodman, Jun Zhu
National Mortgage Settlement 4.April 15, 2014 Maia Woluchem
The Mortgage Forgiveness Debt Relief Act Has 5.Expired. Renewal Could Benefit Millions. February 14, 2014 Laurie Goodman, Ellen Seidman
QRM Comment Letter: Credit Risk Retention 6.October 24, 2013 Laurie Goodman
Page 7 of 25
FHA/VA/GNMA
Proposed Changes to the Federal Housing 1.Administration’s Loan-Level Certification October 1, 2015 Jim Parrott, Laurie Goodman, Mark Zandi
Fixing FHA’s Certification: Time to Turn a 2.Sword into a Plowshare September 3, 2015 Jim Parrott
FHA’s Proposed Servicing Reforms Need More 3.Thought August 28, 2015 Laurie Goodman
Fixing the FHA’s Loan Certification: A Proposal 4.July 14, 2015 Laurie Goodman, Jim Parrott, Lewis Ranieri, Ellen Seidman, Mark Zandi
Wielding a Heavy Enforcement Hammer Has 5.Unintended Consequences for the FHA Mortgage Market May 7, 2015 Laurie Goodman
TILA-RESPA Integrated Disclosure: Examining 6.the Costs and Benefits to the Real Estate Settlement Process May 14, 2015 Laurie Goodman
The 2014 Actuarial Report on the FHA Mutual 7.Mortgage Insurance Fund January 6, 2015 Laurie Goodman
VA Loans Outperform FHA Loans. Why? And 8.What Can We Learn? July 16, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Supplementing the Compare Ratio 9.June 9, 2014 Laurie Goodman
Lifting the Fog around FHA Lending? 10.March 13, 2014 Jim Parrott
FHA Loan Limits: What Areas Are the Most 11.Affected? January 15, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Sustainable Housing Finance: Perspectives on 12.Reforming FHA April 10, 2013 Sarah Rosen Wartell
Addressing FHA’s Financial Condition and 13.Program Challenges Part II February 28, 2013 Sarah Rosen Wartell
FUTURE TRENDS
The Demographics of Demand 1.October 15, 2015 Laurie Goodman
Headship and Homeownership: What Does the 2.Future Hold? June 8, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
Single-Family Securitized Financing: A 3.Blueprint for the Future? January 17, 2014 Laurie Goodman
Page 8 of 25
GSES
Delivering on the Promise of Risk-Sharing 1.December 1, 2015 Laurie Goodman, Jim Parrot, Mark Zandi
Principal Reduction and the GSEs 2.August 18, 2015 Laurie Goodman, Jim Parrott, Jun Zhu
Use the Expanded-Data Index to Set Mortgage 3.Loan Limits June 17, 2015 Laurie Goodman
Privatizing Fannie and Freddie: Be Careful 4.What You Ask For May 18, 2015 Jim Parrott, Mark Zandi
A Modest Recalibration of GSE Pricing 5.April 17, 2015 Jim Parrott
The GSEs’ Shrinking Role in the Multifamily 6.Market April 8, 2015 Karan Kaul
Early Steps Down the Path of GSE Reform 7.March 23, 2015 Jim Parrott
What to Make of the Dramatic Fall in GSE 8.Profits March 16, 2015 Jim Parrott
The Impact of Early Efforts to Clarify Mortgage 9.Repurchases March 12, 2015 Laurie Goodman, Jim Parrott , Jun Zhu
The US Treasury’s Credit Rating Exercise 10.February 6, 2015 Laurie Goodman, Jim Parrott
The Federal Housing Finance Agency’s Federal 11.Home Loan Bank Members Proposal Overshoots the Mark January 13, 2015 Laurie Goodman, Jim Parrott, Karan Kaul
Assessing the Proposed Housing Goals 12.October 20, 2014 Jim Parrott, Laurie Goodman, Wei Li, Ellen Seidman, Jun Zhu
HARP Significantly Reduced Mortgage Default 13.Rates September 3, 2014 Jun Zhu
Charting the Course to a Single Security 14.September 3, 2014 Laurie Goodman, Lewis Ranieri
Putting Mortgage Insurers on Solid Ground 15.August 26, 2014 Mark Zandi, Jim Parrott, Cristian deRitis
A Realistic Assessment of Housing Finance 16.Reform August 18, 2014 Laurie Goodman
Guarantee Fees - An Art, Not a Science 17.August 14, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott , Jun Zhu
A Johnson-Crapo Dialogue 18.July 14, 2014 Jim Parrott, Ellen Seidman, Laurie Goodman
Why Long Term GSE Reform Requires Congress 19.May 22, 2014 Jim Parrott
A Strong Pivot from the New Director of FHFA 20.May 13, 2014 Jim Parrott
Page 9 of 25
Don’t Let Fannie-Freddie Reform Fizzle 21.April 25, 2014 Mark Zandi, Jim Parrott
Johnson-Crapo GSE Discussion Draft: A Few 22.Suggestions for Improvement April 15, 2014 Laurie Goodman, Ellen Seidman
GSE Reform: Diversification is Critical in Sizing 23.the Capital Requirement in the New Regime January 15, 2014 Laurie Goodman, Jun Zhu
Housing Finance Reform: Fundamentals of 24.Transferring Credit Risk in a Future Housing Finance System December 12, 2013 Laurie Goodman
Sunset Provisions on Reps and Warrants: Can 25.They Be More Flexible While Still Protecting the GSEs? November 27, 2013 Laurie Goodman, Jun Zhu
Reps and Warrants: Lessons from the GSEs 26.Experience October 24, 2013 Laurie Goodman, Jun Zhu
The GSE Reform Debate: How Much Capital Is 27.Enough? October 24, 2013 Laurie Goodman, Jun Zhu
A Pragmatic Plan for Housing Finance Reform 28.June 19, 2013 Ellen Seidman, Phillip L. Swagel, Sarah Rosen Wartell, Mark Zandi
MULTIFAMILY
Single-Family Rentals: A New Approach to 1.Affordable Housing September 28, 2015 Dan Magder, Laurie Goodman
The GSEs’ Shrinking Role in the Multifamily 2.Market April 8, 2015 Karan Kaul
Single-Family Securitized Financing: A 3.Blueprint for the Future? January 17, 2014 Laurie Goodman
SERVICING
Servicing Is an Underappreciated Constraint on 1.Credit Access December 16, 2014 Laurie Goodman
Nonbank Specialty Servicers: What’s the Big 2.Deal? August 4, 2014 Pamela Lee
OASIS: A Securitization Born from MSR 3.Transfers April 1, 2014 Pamela Lee
Page 10 of 25
OTHER
Declining Agency MBS Liquidity Is Not All 1.about Financial Regulation November 2, 2015 Karan Kaul, Laurie Goodman
Americans’ Debt Styles by Age and over Time 2.November 16, 2015 Wei Li, Laurie Goodman
A Closer Look at the Data on First-Time 3.Homebuyers May 1, 2015 Bing Bai, Jun Zhu, Laurie Goodman
Loss Severity on Residential Mortgages 4.February 2, 2015 Laurie Goodman, Jun Zhu
Comment Letter on the CFPB’s HMDA 5.Mortgage Data Proposal October 20, 2014 Ellen Seidman, Wei Li, Jim Parrott , Carlos Martín, Kathryn L.S. Pettit, Peter A. Tatian
The Impact of Mortgage Rate Increases on 6.Housing Affordability November 12, 2013 Lan Shi, Laurie Goodman
Eminent Domain: The Debate Distracts from 7.Pressing Problems October 24, 2013 Pamela Lee
Page 11 of 25
Blog Posts
OCTOBER–DECEMBER 2015
Making sure the FHFA’s duty to serve 1.regulations help underserved housing markets December 31, 2015 Ellen Seidman, Barry Zigas
Why the housing market can’t ignore US 2.demographic changes December 22, 2015 Sheryl Pardo
We’re not accurately assessing the Federal 3.Housing Administration’s solvency November 30, 2015 Laurie Goodman
The link between land-use restriction and 4.growing inequality Leigh Franke November 23, 2015
Six new insights about Americans’ borrowing 5.habits October 16, 2015 Wei Li, Laurie Goodman
How FHA’s new program could help keep rental 6.housing affordable October 23, 2015 Ellen Seidman
Despite progress, minority borrowers still lag 7.behind in the housing recovery October 15, 2015 Bing Bai, Sheryl Pardo, Karan Kaul
Why you should care that private investors 8.don’t want to buy your mortgage anymore October 9, 2015 Laurie Goodman
Is Detroit’s “Rehabbed and Ready” program the 9.answer to the city’s appraisal problem? October 5, 2015 Laurie Goodman, Karan Kaul
JULY–SEPTEMBER 2015
Heavy rent burdens + strong renter growth = 10.tough times ahead for US households September 29, 2015 Rolf Pendall, Laurie Goodman, Jun Zhu
Single-family homes can help address the 11.affordable rental-housing crisis September 28, 2015 Dan Magder, Laurie Goodman
FHA’s new performance metric could open the 12.credit box September 14, 2015 Karan Kaul
A mortgage program to better serve the next 13.generation of borrowers September 11, 2015 Laurie Goodman, Eva Wingren
Is principal reduction an effective way to 14.modify troubled mortgages? August 17, 2015 Yami Payano
How will we know when the mortgage market 15.has fully recovered? August 10, 2015 Karan Kaul
Page 12 of 25
It’s still too hard for most Americans to get a 16.mortgage July 30, 2015 Laurie Goodman, Wei Li, Bing Bai
Five benefits of government mortgage 17.programs July 20, 2015 Sheryl Pardo, Karan Kaul
Three GSE risk-sharing innovations that could 18.change housing finance reform July 9, 2015 Laurie Goodman, Karan Kaul
Can the mortgage market handle the surge in 19.minority homeownership? July 1, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
JANUARY–JUNE 2015
We are not prepared for the growth in rental 20.demand June 24, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
Explosion in senior households by 2030 21.demands housing and community adaptations June 15, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
A lower homeownership rate is the new normal 22.June 9, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
The weak housing market recovery in 23.Baltimore has hurt African Americans the most May 21, 2015 Taz George, Bing Bai
FHA premium cut pushes refinance activity to 24.highest level in 20 months May 29, 2015 Karan Kaul, Bing Bai
Ginnie Mae should correct the glitch in first-25.time homebuyer data May 14, 2015 Bing Bai, Jun Zhu
Give lenders more time to implement new 26.borrower disclosure rules May 15, 2015 Laurie Goodman
Broken mortgage servicing regulations limiting 27.access to credit May 12, 2015 Karan Kaul
The cheapest homes fared better in the housing 28.crisis, but only in certain regions May 4, 2015 Bing Bai, Jun Zhu
What’s behind the decline in first-time 29.homebuyers? May 1, 2015 Bing Bai, Jun Zhu, Laurie Goodman
Home equity is outpacing mortgage debt, but 30.it’s not all good news April 21, 2015 Karan Kaul
Should policymakers address Fannie Mae and 31.Freddie Mac’s shrinking role in multifamily housing? April 16, 2015 Karan Kaul
Six things that might surprise you about 32.alternative credit scores April 13, 2015 Karan Kaul
Tight credit has hurt minority borrowers the 33.most April 8, 2015 Laurie Goodman, Jun Zhu, Taz George
Page 13 of 25
Four million mortgage loans missing from 2009 34.to 2013 due to tight credit standards April 2, 2015 Laurie Goodman, Jun Zhu, Taz George
To understand mortgage default rates, ask 35.these three questions March 30, 2015 Laurie Goodman, Ellen Seidman, Taz George, Jun Zhu
What’s behind the growing share of bank 36.portfolio lending? March 18, 2015 Karan Kaul
The mortgage market can tolerate twice as 37.much credit risk March 2, 2015 Wei Li, Laurie Goodman
Three charts that explain the renters next door 38.February 26, 2015 Taz George
New interactive tool shows impact of various 39.changes on FHA refinance volume February 25, 2015 Karan Kaul, Laurie Goodman, Jun Zhu
More than one in three FHA borrowers could 40.save money by refinancing today February 16, 2015 Karan Kaul, Laurie Goodman, Jun Zhu
The five major forces driving down mortgage 41.interest rates February 12, 2015 Ellen Seidman, Wei Li
Private mortgage insurance is better than 42.expected at protecting taxpayer from losses February 3, 2015 Laurie Goodman, Jun Zhu
Three predictions for mortgage affordability in 43.2015 February 2, 2015 Karan Kaul
What a new measure of mortgage denials 44.reveals about mortgage credit access January 30, 2015 Ellen Seidman, Wei Li
Is the homeownership safety net unraveling for 45.seniors? January 28, 2015 Taz George, Ellen Seidman
Four impacts of the Federal Housing 46.Administration’s premium cut January 21, 2015 Karan Kaul, Bing Bai
Obtaining a mortgage loan: How do we know if 47.it’s too hard, too easy, or just about right? January 12, 2015 Maia Woluchem, Taz George
FHA: Time to stop overcharging borrowers for 48.yesterday’s mistakes January 6, 2015 Laurie Goodman, Bing Bai, Jun Zhu
JULY–DECEMBER 2014
The 2015 slash to VA loan limits will have little 49.impact on veterans even in hardest-hit DC suburbs December 29, 2014 Laurie Goodman, Jun Zhu
Should you rent or buy? What to consider in 50.housing decisions December 19, 2014 Ellen Seidman
Page 14 of 25
New measure shows mortgage denial rate is 51.triple traditional estimates December 16, 2014 Wei Li, Laurie Goodman
The biggest obstacle to a mortgage market 52.recovery that nobody is talking about December 16, 2014 Laurie Goodman, Taz George
New credit availability measure shows product 53.risk, not borrower risk, fueled by the housing crisis December 9, 2014 Wei Li, Laurie Goodman
Risk sharing deals support reduction in Freddie 54.and Fannie guarantee fees December 3, 2014 Laurie Goodman
Three trends that signal hard times for renters 55.in 2015 November 18, 2014 Ellen Seidman
The 15-year mortgage is not a silver bullet for 56.low-income borrowers November 13, 2014 Ellen Seidman, Laurie Goodman, Jun Zhu
Uncertainty ahead for housing finance reform 57.with Republican surge November 5, 2014 Zach McDade, Sheryl Pardo
Why the government-sponsored enterprises’ 58.support of low–down payment loans again is no big deal November 4, 2014 Taz George, Laurie Goodman, Jun Zhu
Six reasons to celebrate the Housing Finance 59.Policy Center’s one-year anniversary October 24, 2014 Laurie Goodman
The six things we like most in the CFPB’s new 60.mortgage data proposal October 20, 2014 Ellen Seidman
Is there a ticking time bomb in the housing 61.market? October 16, 2014 Maia Woluchem
Incomplete OIG report overstates the risks of 62.FHFA sunset plan October 10, 2014 Laurie Goodman, Jun Zhu
Five cities with the most racially uneven 63.housing market recoveries October 6, 2014 Bing Bai, Taz George
Ten things I like about the $17 billion BOA 64.settlement September 30, 2014 Ellen Seidman
A surprising disparity in the newest mortgage 65.data September 25, 2014 Bing Bai, Taz George
The single-family rental securitization market 66.won’t exceed $20 billion September 24, 2014 Laurie Goodman
Interactive map shows 12 years and more than 67.100 million new mortgages in 24 seconds September 17, 2014 Bing Bai, Taz George
The $400 million case for a single GSE security 68.September 5, 2014 Laurie Goodman
Data show surprisingly little impact of new 69.mortgage rules August 21, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott, Bing Bai
Page 15 of 25
Why it’s no easy task to determine what the 70.GSEs should charge for their guarantee August 14, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott, Bing Bai
Toward a better Bank of America settlement 71.August 8, 2014 HFPC Staff
Specialty mortgage servicers: What’s the big 72.deal? August 7, 2014 Pamela Lee
Dodd-Frank: Can we really calculate the cost? 73.July 25, 2014 Ellen Seidman
Is student debt hindering homeownership? 74.July 17, 2014 Maia Woluchem, Taz George
Is residual income the key to the superior 75.performance of VA loans? July 16, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Senate GSE reform: What we learned from 76.Johnson-Crapo July 15, 2014 Laurie Goodman, Jim Parrott, Ellen Seidman
Move over, Freddie Mac: Ginnie Mae will be 77.number 2 soon July 2, 2014 Laurie Goodman
JANUARY–JUNE 2014
Small investors spurred spike in cash sales. So 78.what happens next? June 30, 2014 Taz George, Maia Woluchem
Weaker credit or racial discrimination: The data 79.are unclear June 6, 2014 Wei Li
How well do the GSEs serve minority 80.borrowers? June 5, 2014 Wei Li
Why the GSEs need Congress to exit 81.conservatorship May 30, 2014 Jim Parrott
It’s time for administrative reform to end the 82.GSE conservatorships May 29, 2014 Jim Millstein (guest post)
Will modification resets cause massive re-83.defaults? May 16, 2014 Laurie Goodman, Jun Zhu
Risk sharing: High-LTV mortgages are the next 84.frontier May 15, 2014 Pamela Lee, Bing Bai
A strong pivot for the new director of FHFA 85.May 13, 2014 Jim Parrott
Is mortgage credit finally starting to loosen? 86.Afraid not. May 2, 2014 Jun Zhu, Laurie Goodman, Bing Bai
Suggestions for housing finance reform 87.April 21, 2014 Laurie Goodman, Ellen Seidman
The re-emerging dominance of private 88.mortgage insurers March 18, 2014 Bing Bai, Laurie Goodman
Page 16 of 25
Serious movement on housing finance reform 89.March 16, 2014 Ellen Seidman
The housing bust disproportionately hurt 90.minorities March 14, 2014 Laurie Goodman, Jun Zhu, Taz George
Strategic default: How big an issue? 91.March 12, 2014 Maia Woluchem
Where have all the mortgages gone? 92.March 6, 2014 Laurie Goodman, Jun Zhu, Taz George
Does the mortgage market really need private 93.capital? February 21, 2014 Maia Woluchem
Mortgage debt forgiveness act renewal could 94.benefit millions February 18, 2014 Laurie Goodman, Ellen Seidman
Fast pay-off, low–down payment loans perform 95.well January 30, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Extending the HARP cutoff date is no silver 96.bullet January 28, 2014 Bing Bai, Taz George
GSE reform legislation? Yes, sir. 97.January 22, 2014 Ellen Seidman
Are new FHA loan limits a cause for concern? 98.January 17, 2014 Ellen Seidman
Are we in another housing bubble? 99.January 10, 2014 Taz George, Bing Bai
Senators and researchers agree: Now is the 100.time for housing finance reform January 9, 2014 Zach McDade
AUGUST–DECEMBER 2013
Diversification is critical to protecting the 101.government in housing finance reform December 13, 2013 Laurie Goodman, Ellen Seidman, Jun Zhu
President’s chief economic advisor calls for 102.comprehensive housing finance reform November 20, 2013 Zach McDade
Let’s rethink housing affordability 103.November 13, 2013 Taz George, Lan Shi
Ten reasons housing finance policy might keep 104.you up at night October 31, 2013 Lionel Foster
Seizing homes to save communities 105.October 30, 2013 Pamela Lee
QRM, alternative QRM: Loan default rates 106.October 7, 2013 Laurie Goodman, Ellen Seidman, Jun Zhu
QRM vs. alternative QRM: Quantifying the 107.comparison October 7, 2013 Laurie Goodman, Ellen Seidman, Jun Zhu
What HDMA data say about the state of the 108.mortgage market October 1, 2013 Ellen Seidman
Page 17 of 25
Fannie Mae reduces its max LTV to 95: Does 109.the data support the move? September 24, 2013 Laurie Goodman, Taz George
HARP has been a huge success; further action 110.on the refinancing front is unlikely August 12, 2013 Laurie Goodman
The president’s speech in Phoenix: What it 111.means and why it matters August 8, 2013 Jim Parrott
Blog Posts by Topic
CREDIT ACCESS
FHA’s new performance metric could open the 1.credit box September 14, 2015 Karan Kaul
A mortgage program to better serve the next 2.generation of borrowers September 11, 2015 Laurie Goodman, Eva Wingren
How will we know when the mortgage market 3.has fully recovered? August 10, 2015 Karan Kaul
It’s still too hard for most Americans to get a 4.mortgage July 30, 2015 Laurie Goodman, Wei Li, Bing Bai
Can the mortgage market handle the surge in 5.minority homeownership? July 1, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
The weak housing market recovery in 6.Baltimore has hurt African Americans the most May 21, 2015 Taz George, Bing Bai
What’s behind the decline in first-time 7.homebuyers? May 1, 2015 Bing Bai, Jun Zhu, Laurie Goodman
Six things that might surprise you about 8.alternative credit scores April 13, 2015 Karan Kaul
Tight credit has hurt minority borrowers the 9.most April 8, 2015 Laurie Goodman, Jun Zhu, Taz George
Four million mortgage loans missing from 2009 10.to 2013 due to tight credit standards April 2, 2015 Laurie Goodman, Jun Zhu, Taz George
The mortgage market can tolerate twice as 11.much credit risk March 2, 2015 Wei Li, Laurie Goodman
Three predictions for mortgage affordability in 12.2015 February 2, 2015 Karan Kaul
What a new measure of mortgage denials 13.reveals about mortgage credit access January 30, 2015 Ellen Seidman, Wei Li
Four impacts of the Federal Housing 14.Administration’s premium cut January 21, 2015 Karan Kaul, Bing Bai
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Obtaining a mortgage loan: How do we know if 15.it’s too hard, too easy, or just about right? January 12, 2015 Maia Woluchem, Taz George
New measure shows mortgage denial rate is 16.triple traditional estimates December 16, 2014 Wei Li, Laurie Goodman
New credit availability measure shows product 17.risk, not borrower risk, fueled the housing crisis December 9, 2014 Wei Li, Laurie Goodman
The 15-year mortgage is not a silver bullet for 18.low-income borrowers November 13, 2014 Ellen Seidman, Laurie Goodman, Jun Zhu
Five cities with the most racially uneven 19.housing market recoveries October 6, 2014 Bing Bai, Taz George
A surprising disparity in the newest mortgage 20.data September 25, 2014 Bing Bai, Taz George
Interactive map shows 12 years and more than 21.100 million new mortgages in 24 seconds September 17, 2014 Bing Bai, Taz George
Weaker credit or racial discrimination: The data 22.are unclear June 6, 2014 Wei Li
Is mortgage credit finally starting to loosen? 23.Afraid not. May 2, 2014 Jun Zhu, Laurie Goodman, Bing Bai
The housing bust disproportionately hurt 24.minorities March 14, 2014 Laurie Goodman, Jun Zhu, Taz George
Where have all the mortgages gone? 25.March 6, 2014 Laurie Goodman, Jun Zhu, Taz George
Fast pay-off, low–down payment loans perform 26.well January 30, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Ten reasons housing finance policy might keep 27.you up at night October 31, 2013 Lionel Foster
What HDMA data say about the state of the 28.mortgage market October 1, 2013 Ellen Seidman
The president’s speech in Phoenix: What it 29.means and why it matters August 8, 2013 Jim Parrott
CRISIS RESOLUTION
Is principal reduction an effective way to 1.modify troubled mortgages? August 17, 2015 Yami Payano
How will we know when the mortgage market 2.has fully recovered? August 10, 2015 Karan Kaul
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The cheapest homes fared better in the housing 3.crisis, but only in certain regions May 4, 2015 Bing Bai, Jun Zhu
Ten things I like about the $17 billion BOA 4.settlement September 30, 2014 Ellen Seidman
Data show surprisingly little impact of new 5.mortgage rules August 21, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott, Bing Bai
Toward a better Bank of America settlement 6.August 8, 2014 HFPC Staff
Dodd-Frank: Can we really calculate the cost? 7.July 25, 2014 Ellen Seidman
Will modification resets cause massive re-8.defaults? May 16, 2014 Laurie Goodman, Jun Zhu
Is mortgage credit finally starting to loosen? 9.Afraid not. May 2, 2014 Jun Zhu, Laurie Goodman, Bing Bai
The re-emerging dominance of private 10.mortgage insurers March 18, 2014 Bing Bai, Laurie Goodman
The housing bust disproportionately hurt 11.minorities March 14, 2014 Laurie Goodman, Jun Zhu, Taz George
Strategic default: How big an issue? 12.March 12, 2014 Maia Woluchem
Does the mortgage market really need private 13.capital? February 21, 2014 Maia Woluchem
Mortgage debt forgiveness act renewal could 14.benefit millions February 18, 2014 Laurie Goodman, Ellen Seidman
Extending the HARP cutoff date is no silver 15.bullet January 28, 2014 Bing Bai, Taz George
Seizing homes to save communities 16.October 30, 2013 Pamela Lee
QRM, alternative QRM: Loan default rates 17.October 7, 2013 Laurie Goodman, Ellen Seidman, Jun Zhu
QRM vs. alternative QRM: Quantifying the 18.comparison October 7, 2013 Laurie Goodman, Ellen Seidman, Jun Zhu
HARP has been a huge success; further action 19.on the refinancing front is unlikely August 12, 2013 Laurie Goodman
FHA/VA/GNMA
We’re not accurately assessing the Federal 1.Housing Administration’s solvency November 30, 2015 Laurie Goodman
How FHA’s new program could help keep rental 2.housing affordable October 23, 2015 Ellen Seidman
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FHA’s new performance metric could open the 3.credit box September 14, 2015 Karan Kaul
Five benefits of government mortgage 4.programs July 20, 2015 Sheryl Pardo, Karan Kaul
FHA premium cut pushes refinance activity to 5.highest level in 20 months May 29, 2015 Karan Kaul, Bing Bai
Ginnie Mae should correct the glitch in first-6.time homebuyer data May 14, 2015 Bing Bai, Jun Zhu
What’s behind the decline in first-time 7.homebuyers? May 1, 2015 Bing Bai, Jun Zhu, Laurie Goodman
New interactive tool shows impact of various 8.changes on FHA refinance volume February 25, 2015 Karan Kaul, Laurie Goodman, Jun Zhu
More than one in three FHA borrowers could 9.save money by refinancing today February 16, 2015 Karan Kaul, Laurie Goodman, Jun Zhu
Four impacts of the Federal Housing 10.Administration’s premium cut January 21, 2015 Karan Kaul, Bing Bai
Is residual income the key to the superior 11.performance of VA loans? July 16, 2014 Laurie Goodman, Ellen Seidman, Jun Zhu
Move over, Freddie Mac: Ginnie Mae will be 12.number 2 soon July 2, 2014 Laurie Goodman
Are new FHA loan limits a cause for concern? 13.January 17, 2014 Ellen Seidman
FUTURE TRENDS
Why the housing market can’t ignore US 1.demographic changes December 22, 2015 Sheryl Pardo
Heavy rent burdens + strong renter growth = 2.tough times ahead for US households September 29, 2015 Rolf Pendall, Laurie Goodman, Jun Zhu
Can the mortgage market handle the surge in 3.minority homeownership? July 1, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
We are not prepared for the growth in rental 4.demand June 24, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
Explosion in senior households by 2030 5.demands housing and community adaptations June 15, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
A lower homeownership rate is the new normal 6.June 9, 2015 Laurie Goodman, Rolf Pendall, Jun Zhu
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Three trends that signal hard times for renters 7.in 2015 November 18, 2014 Ellen Seidman
The 15-year mortgage is not a silver bullet for 8.low-income borrowers November 13, 2014 Ellen Seidman, Laurie Goodman, Jun Zhu
Uncertainty ahead for housing finance reform 9.with Republican surge November 5, 2014 Zach McDade, Sheryl Pardo
Is there a ticking time bomb in the housing 10.market? October 16, 2014 Maia Woluchem
The single-family rental securitization market 11.won’t exceed $20 billion September 24, 2014 Laurie Goodman
Risk sharing: High-LTV mortgages are the next 12.frontier May 15, 2014 Pamela Lee, Bing Bai
Does the mortgage market really need private 13.capital? February 21, 2014 Maia Woluchem
GSES
Making sure the FHFA’s duty to serve 1.regulations help underserved housing markets December 31, 2015 Ellen Seidman, Barry Zigas
A mortgage program to better serve the next 2.generation of borrowers September 11, 2015 Laurie Goodman, Eva Wingren
Three GSE risk-sharing innovations that could 3.change housing finance reform July 9, 2015 Laurie Goodman, Karan Kaul
Should policymakers address Fannie Mae and 4.Freddie Mac’s shrinking role in multifamily housing? April 16, 2015 Karan Kaul
What’s behind the growing share of bank 5.portfolio lending? March 18, 2015 Karan Kaul
Private mortgage insurance is better than 6.expected at protecting taxpayer from losses February 3, 2015 Laurie Goodman, Jun Zhu
Risk sharing deals support reduction in Freddie 7.and Fannie guarantee fees December 3, 2014 Laurie Goodman
Uncertainty ahead for housing finance reform 8.with Republican surge November 5, 2014 Zach McDade, Sheryl Pardo
Why the government sponsored enterprises’ 9.support of low–down payment loans again is no big deal November 4, 2014 Taz George, Laurie Goodman, Jun Zhu
Incomplete OIG report overstates the risks of 10.FHFA sunset plan October 10, 2014 Laurie Goodman, Jun Zhu
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The $400 million case for a single GSE security 11.September 5, 2014 Laurie Goodman
Data show surprisingly little impact of new 12.mortgage rules August 21, 2014 Laurie Goodman, Ellen Seidman, Jim Parrott, Bing Bai
Why it’s no easy task to determine what the 13.GSEs should charge for their guarantee August 14, 2014 Jun Zhu
Senate GSE reform: What we learned from 14.Johnson-Crapo July 15, 2014 Laurie Goodman, Jim Parrott, Ellen Seidman
Move over, Freddie Mac: Ginnie Mae will be 15.number 2 soon July 2, 2014 Laurie Goodman
How well do the GSEs serve minority 16.borrowers? June 5, 2014 Wei Li
Why the GSEs need Congress to exit 17.conservatorship May 30, 2014 Jim Parrott
It’s time for administrative reform to end the 18.GSE conservatorships May 29, 2014 Jim Millstein (guest post)
Risk sharing: High-LTV mortgages are the next 19.frontier May 15, 2014 Pamela Lee, Bing Bai
A strong pivot for the new director of FHFA 20.May 13, 2014 Jim Parrott
Suggestions for housing finance reform 21.April 21, 2014 Laurie Goodman, Ellen Seidman
Serious movement on housing finance reform 22.March 16, 2014 Ellen Seidman
GSE reform legislation? Yes, sir. 23.January 22, 2014 Ellen Seidman
Senators and researchers agree: Now is the 24.time for housing finance reform January 9, 2014 Zach McDade
Diversification is critical to protecting the 25.government in housing finance reform December 13, 2013 Laurie Goodman, Ellen Seidman Jun Zhu
President’s chief economic advisor calls for 26.comprehensive housing finance reform November 20, 2013 Zach McDade
Ten reasons housing finance policy might keep 27.you up at night October 31, 2013 Lionel Foster
Fannie Mae reduces its max LTV to 95: Does the 28.data support the move? September 24, 2013 Laurie Goodman, Taz George
HARP has been a huge success; further action 29.on the refinancing front is unlikely August 12, 2013 Laurie Goodman
The president’s speech in Phoenix: What it 30.means and why it matters August 8, 2013 Jim Parrott
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MULTIFAMILY
Single-family homes can help address the 1.affordable rental-housing crisis September 28, 2015 Dan Magder, Laurie Goodman
Should policymakers address Fannie Mae and 2.Freddie Mac’s shrinking role in multifamily housing? April 16, 2015 Karan Kaul
Three charts that explain the renters next door 3.February 26, 2015 Taz George
The single-family rental securitization market 4.won’t exceed $20 billion September 24, 2014 Laurie Goodman
Small investors spurred spike in cash sales. So 5.what happens next? June 30, 2014 Taz George, Maia Woluchem
Let’s rethink housing affordability 6.November 13, 2013 Taz George, Lan Shi
SERVICING
Why you should care that private investors 1.don’t want to buy your mortgage anymore October 9, 2015 Laurie Goodman
Broken mortgage servicing regulations limiting 2.access to credit May 12, 2015 Karan Kaul
The biggest obstacle to a mortgage market 3.recovery that nobody is talking about December 16, 2014 Laurie Goodman, Taz George
Specialty mortgage servicers: What’s the big 4.deal? August 7, 2014 Pamela Lee
OTHER
The link between land-use restriction and 1.growing inequality Leigh Franke November 23, 2015
Six new insights about Americans’ borrowing 2.habits October 16, 2015 Wei Li, Laurie Goodman
Despite progress, minority borrowers still lag 3.behind in the housing recovery October 15, 2015 Bing Bai, Sheryl Pardo, Karan Kaul
Is Detroit’s “Rehabbed and Ready” program the 4.answer to the city’s appraisal problem? October 5, 2015 Laurie Goodman, Karan Kaul
Give lenders more time to implement new 5.borrower disclosure rules May 15, 2015 Laurie Goodman
The cheapest homes fared better in the housing 6.crisis, but only in certain regions May 4, 2015 Bing Bai, Jun Zhu
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To understand mortgage default rates, ask 7.these three questions March 30, 2015 Laurie Goodman, Ellen Seidman, Taz George, Jun Zhu
Home equity is outpacing mortgage debt, but 8.it’s not all good news April 21, 2015 Karan Kaul
The five major forces driving down mortgage 9.interest rates February 12, 2015 Ellen Seidman, Wei Li
Three predictions for mortgage affordability in 10.2015 February 2, 2015 Karan Kaul
Is the homeownership safety net unraveling for 11.seniors? January 28, 2015 Taz George, Ellen Seidman
The 2015 slash to VA loan limits will have little 12.impact on veterans even in hardest-hit DC suburbs December 29, 2014 Laurie Goodman, Jun Zhu
Should you rent or buy? What to consider in 13.housing decisions December 19, 2014 Ellen Seidman
Six reasons to celebrate the Housing Finance 14.Policy Center’s one-year anniversary October 24, 2014 Laurie Goodman
The six things we like most in the CFPB’s new 15.mortgage data proposal October 20, 2014 Ellen Seidman
Is student debt hindering homeownership? 16.July 17, 2014 Maia Woluchem, Taz George
Are we in another housing bubble? 17.January 10, 2014 Taz George, Bing Bai
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