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27 Oct 2019
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MBA National Conference
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Heitman Analytics will be at the MBA National conference in Austin this week staying up to date on the latest news and technology in the mortgage industry. Our clients and industry contacts are valued and important to us; if you or someone on your team will be present and like to meet, please do not hesitate to reach out to us.
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MBA National Conference
Heitman Analytics will be at the MBA National conference in Austin this week staying up to date on the latest news and tec...
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20 Sep 2019
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Index Indecision
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Questions are building every week over what mortgage lenders will do for their adjustable rate mortgages (ARM) coming into and beyond LIBOR’s scheduled demise in 2021. While the Secured Overnight Financing Rate (SOFR) has been hailed early on as a possible replacement, especially with FNMA and FHLMC announcing ARM plans tied to the new index; is that really what we can expect lenders to jump to? This week alone as bank reserves became scarce SOFR jumped over 800 bps from 2.2% to 5.25%, hardly an encouraging sign for a much needed stable mortgage index. Back in June, in a poll of commercial and multifamily mortgage lenders by the Mortgage Bankers Association only 41 said they might use SOFR as the replacement for LIBOR. There are still alternatives out there. In the short term we just may see lenders retreat back the 1 year treasury (CMT) rate that was most popular with adjustable mortgage prior to the rise of LIBOR. There are lenders out there that have continued to offer CMT based ARMs, and there is a wealth of historical precedent to CMT and its reactions to market influences. Earlier this month Associated Bank announced they would be transition to CMT based ARMs with 2.75% margins.
Heitman is already fielding inquiries from institutions to hear what the plans are form other lenders, reach out to us, and we can keep you updated with the latest news.
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Index Indecision
Questions are building every week over what mortgage lenders will do for their adjustable rate mortgages (ARM) coming in...
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13 Sep 2019
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HELOC Utilization incentives
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As HELOC originations are expected to increase in 2020, while utilization rates are expected to decline; lenders are looking to incentivize increased utilization among their home equity product offerings. Heitman’s HELOC report engine now allows for variability in utilization rates for each reported bucket allowing for more detailed and robust reporting options.
Contact us for a free trial of our HELOC reporting.
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HELOC Utilization incentives
As HELOC originations are expected to increase in 2020, while utilization rates are expected to decline; lenders are looki...
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29 Aug 2019
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Appraisal Thresholds
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When the new rules on appraisals become effective, mortgages on 1 to 4 family homes sold for $400,000 or less may be exempt from an appraisal; how will this impact the fees appraisal fees as a whole? Did you know Heitman conducts an annual survey, nationwide on appraiser fees? Ask us for more information ro you can also keep tabs with our Semi-Annual Lender Based Fee Survey.
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Appraisal Thresholds
When the new rules on appraisals become effective, mortgages on 1 to 4 family homes sold for $400,000 or less may be exemp...
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23 Aug 2019
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FICO Updates
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Heitman is seeing more lenders tweaking their FICO adjustments along with lots of fine tuning of purchase and refinance adjustments. Ask us for an update.
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FICO Updates
Heitman is seeing more lenders tweaking their FICO adjustments along with lots of fine tuning of purchase and refinance ad...
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02 Jan 2019
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Happy New Year
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Happy New Year from all of us at Heitman Analytics!
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Happy New Year
Happy New Year from all of us at Heitman Analytics!
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