Articles

The Loan Officer Compensation Fed Rule Scandal

posted on March 26, 2011

(Entire article and video re-broadcast from the TBWS Daily Show, March 21, 2011.) The Fed Rule on Loan Officer Compensation was written and is based on four reports. Two were pro-broker and two …

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Are The Days Numbered for Fannie Mae and Freddie Mac?

posted on March 25, 2011

Are The Days Numbered for Fannie Mae and Freddie Mac? There’s no question that there are major problems at Fannie Mae and Freddie Mac. But the Obama Administration is about to throw the …

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Fannie and Freddie Increase Their Risk-Based Pricing Overlays

posted on March 14, 2011

Shopping for a mortgage rate has just become a bit more difficult. In 2008, both Fannie Mae (FNMA) and Freddie Mac (FHLMC) created and implemented Risk-Based Pricing Overlays that affected …

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An Open Letter to Elizabeth Warren

posted on February 26, 2011

(Elizabeth Warren is the Harvard Law Professor chosen by President Obama to launch the new Consumer Financial Protection Bureau.) Dear Ms. Warren, Congratulations on being hand-picked by …

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A Tale of ANOTHER Two Borrowers (also based on a true story)

posted on February 12, 2011

Borrower “A” owned a two-family house on Long Island. Since rates were low, he wanted to refinance. He called his bank and received a rate quote. Thinking rates were going to drop more, he decided to …

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Bank of America Cuts Grace Period For Mortgage Payments

posted on January 29, 2011

If you're like most people, your mortgage is due on the first of the month. But your lender gives you until the fifteenth to make your payment before you incur a late fee. Bank of America is …

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