If FHA Wants to Bring Lenders Back, It Will Need to Clarify Their False Claims Act Liability

The Federal Housing Administration recently announced changes to clarify how it would enforce its underwriting rules.

Newest Housing Data Indicate We Likely Aren’t in a Housing Bubble

The current demand for houses is largely driven by families seeking to purchase homes.

American Seniors Prefer to “Age in Place”—But What’s the Right Place?

As more Americans near retirement, they’re grappling with where they should live as they grow older.

The FHA Can Improve its Reverse Mortgage Program by Changing Servicing Protocol

The FHA's Home Equity Conversation Mortgage program helps seniors tap into their housing wealth to help pay for living expenses.

Curtailing Data from the Home Mortgage Disclosure Act Is a Mistake

A recently proposed rule threatens to substantially curtail the availability of mortgage data.

Debunking the Myth That Small-Dollar Mortgages are Riskier

Some believe small-dollar mortgages are riskier because potential buyers have worse credit profiles.

Concentration in Multifamily Lending Argues for Full Public Release of More HMDA Data

Why not use this information fully to promote transparency on multifamily CRA activity?

New Data Confirm the Urgency of Addressing the Expiration of the GSE Patch

The "GSE patch" disproportionately benefits minority and lower-income borrowers.

Living Longer with Parents Might Hurt Young Adults' Long-Term Financial Success

The number of young adults living with their parents has almost doubled since 2000.

A significantly improved appraisal process has reduced the riskiness of refinance mortgages

Historically, purchase mortgages have defaulted less often than refinance mortgages.