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[ad_1] FHFA Director Sandra Thompson The U.S. housing market has faced periods of high interest rates, home price appreciation and lack of inventory before. But these forces all happening at once makes the current landscape especially volatile and challenging, according to Sandra Thompson, the Director of the Federal Housing Finance Agency.  “If you put things in perspective, we have dealt with high interest rates, we have dealt with increasing home prices, and we’ve also been dealing with supply issues,” Thompson said Wednesday at HousingWire Annual, held in Scottsdale, Arizona. “These are all things that we have seen before. We just got to see them all at the same time.”   The main challenge at present is affordability, Thompson told attendees.  Fannie Mae and Freddie Mac are working to provide more loss mitigation options to borrowers, studying ways to address appraisal bias and encouraging lending for manufactured homes, she said. The housing regulator also wants to encourage lenders to offer special purpose credit programs and to serve communities where English is not the first language.  Here’s what else Thompson said during her Q&A at the conference. On the current landscape “We have seen some very challenging and volatile times. It’s not like we haven’t dealt with high interest rates before. But, if we put it in perspective, the interest rates six months ago were probably about 200 basis points less than they are today. And we certainly are coming off a period of the lowest interest rates in history ­– I certainly took the opportunity to refi. If you put things in perspective, we have dealt with high interest rates, we have dealt with increasing home prices, and we’ve also been dealing with supply issues. There are just not enough single-family properties out there to meet the demand. These are all things that we have seen before. We just got to see them all at the same time.”   On affordability challenges  “The main challenge now is affordability. That’s true on the residential side as well as the multifamily rental [side]. Last year this time in Washington D.C., and probably other places, if you put your house on the market, you’d have literally multiple offers over the list price and sometimes cash buyers. Now, home prices are still increasing, but not at the rate we were seeing last year. When we look year over year, it was like an 18.5% increase in prices. This year, it is probably slowing down to about 13.5%. It’s still an increase. So, we are concerned about affordability, especially for first-time homebuyers. We’re also concerned about the increase in rents – we’re seeing some rental payments that are well beyond what people pay for their mortgages.” Risk facing the GSEs “We’ve asked Fannie Mae and Freddie Mac to make sure that they have their loss mitigation toolkit in place so that when people get in trouble, they can call their servicer, and they have options. When we look at the Fannie and Freddie books, from a credit risk perspective, you’re getting mortgages with 2%, 2.5%, maybe even 3%. It is really good that people lower their monthly payments. But, when you’re looking at this rising interest rate environment that we have today, people are not able to buy the same house that they could have bought six months or a year ago. And many people – and I will be one of them – don’t want to refi or buy another house, in this interest rate environment. So a lot of people are staying put. That kind of exacerbates the supply issue, and the supply certainly impacts affordability.”   How to serve diverse communities  “There are a number of borrowers that English isn’t necessarily their first language. We’ve been working since 2018 to create a mortgage translation database. The predominance is Spanish. We picked the top five languages. We have taken the Word documents and translated them so that people can look at those translated documents and make some decisions. The house is probably the largest asset and the most money most people are going to spend. But we think it’s only fair, given that there are different populations, that servicers be able to respond to their borrowers in an appropriate way, especially when you’re making these huge financial decisions.”  Jump-starting special purpose credit programs “We’ve been focusing on the enterprises providing liquidity in areas that are hard to serve, such as rural areas or manufactured housing. And we also have affordable housing goals that focus on low to moderate-income individuals across the country. There’s a huge equity gap between Black, white, Hispanic populations. We’ve asked the enterprises to take a look at areas that had previously been redlined and identified barriers, but we’ve also asked them to come up with some solutions to address those barriers. Special purpose credit programs have been around for years, and lenders have been reluctant to use them. There’s a movement to try to explain to lenders as best we can that the regulatory environment is supportive of the nature of the special purpose credit programs. For example, one thing that we do know is many people struggle with down payment assistance. So you could have a special purpose credit program that focuses on down payments. We do have a number of pilot programs that the enterprises are working with.”   Appraisal bias  “Racial bias is very real. The valuation in certain communities is a lot lower than even the asked price. That’s true, generally speaking. What we’ve done is we’ve tried to automate the appraisal process, and I’ll tell you that the pandemic was really where we got a lot of lessons learned – appraisers didn’t want to go into homes, we had to figure out ways to keep the mortgage pipeline moving, and we introduced desktop appraisals. We made it a permanent part of the enterprise’s policy. We’re also looking at hybrid appraisals and other alternatives so that we can really try to address some of the bias and also make

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[ad_1] HousingWire recently spoke with Dominic Iannitti, president and CEO of DocMagic, about eNote adoption. HousingWire:  Where does the industry stand in terms of digital adoption, and more specifically the adoption of eNotes? Dominic Iannitti: Many lenders were considering, or at least researching, digital implementations when the pandemic hit, putting industry adoption on the fast track.  These days lenders are seeking to leverage mortgage technology to streamline the loan process. Many have digital capabilities in place already and with so many warehouse lenders ready to fund eNotes and servicers ready to support them, along with increased expansion in the investor space, the popularity of eNotes is growing.  HousingWire: Talk to us about DocMagic’s setup process for lenders to get started with Total eClose, eNotes and a secure eVault. Iannitti: We’ve partnered with many lenders that started with a hybrid model and then made the transition to utilize eNotes and, in many cases to completely paperless closings.   eNotes are a game-changer for risk reduction, processing speed and overall efficiency. By leveraging both eNotes and DocMagic’s award-winning eVault technology, lenders can quickly begin to experience an array of eClosing benefits. Our eVault technology has been the industry leader for many years giving us the expertise to implement and support the critical aspects of eNotes. DocMagic’s eClosing Team has personally supervised thousands of eClosings. Whether it’s getting set up with MERS, implementing an eVault to securely store notes, partnering with eNote-ready investors, e-warehouse lenders or servicing eNotes, we wrote the playbook on how to make it happen for lenders and their supply chain partners.  HousingWire: What are some of the efficiencies of eNotes, and how will lenders that implement eNotes now benefit compared to those that wait? Iannitti: The expediency of eNotes carries through the entire process, from originator, to  warehouse, investor, custodian, and servicer – in a matter of seconds. Your workforce is more productive, moving loans forward through the pipeline at the speed of a click.   Errors in quality are costly, but especially in this environment. Having everything signed electronically and dated correctly is critical. The eNote can be registered immediately with MERS, allowing loans to be delivered within minutes of closing — that’s real efficiency. Organizations that implement eNote technology will gain a competitive advantage over those that wait. The efficiencies, benefits and ROI of eNotes are not a nice to have, but a must.  This is positively where the industry is heading. HousingWire: What should lenders be looking for in a long-term eClosing vendor/partner? Iannitti: Lenders should start by choosing a vendor with experience – thousands of successful eClosing transactions. An inexperienced vendor may not have all of the necessary components in place to do business with other providers in the space.  Lenders should also select a vendor offering all hybrid and fully end-to-end paperless eClosings. The best option is a one-stop shop that provides every element of an eClosing. Why go to one vendor for document generation and another for eNotes?  Finally, look for a vendor that can scale to your future growth. Some vendors have components of this technology, but can they help you scale to thousands of eNotes by the end of the year? DocMagic offers a fully cloud-based service layer and flexible technology designed with capabilities adaptable to every conceivable eClosing option. The post The competitive advantage of eNote technology appeared first on HousingWire. [ad_2] Source link

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[ad_1] U.S. private payrolls rise in September; trade deficit narrows sharply [ad_2] Source link

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