FHA May Get Most-Favored Status

WE’RE HEARING that a new housing reform proposal developed by a private bipartisan commission will be very kind to the FHA mortgage insurance program.

The commission’s proposal, to be released Feb. 25, which will address a wide range of issues from affordable housing to tax policies, is expected to be supportive of FHA’s role in helping first-time and minority homebuyers.

This proposal comes as House and Senate Republicans are beating up on FHA officials. The GOP lawmakers argue that FHA should have conserved its capital instead of continuing to provide mortgage credit in the aftermath of the housing bust.

But it is easy to see why FHA and its countercyclical role would have so much support on the 21-member commission—it is stacked with former Federal Housing Administration and Department of Housing and Urban Development officials.

Two of the four co-chairs of the Bipartisan Housing Commission are former HUD secretaries—Mel Martinez and Henry Cisneros. The third co-chair—Sen. Christopher Bond—was very supportive of FHA’s multifamily programs while in the Senate. The fourth co-chairman is former Senate majority leader George Mitchell. Mitchell founded the Bipartisan Policy Center, which sponsored the housing commission.

Two commissioner members were FHA commissioners—Nicolas Retsinas and Ronald Rosenfeld. And Robert Couch was president of Ginnie Mae.

This Bipartisan Housing Commission is slated to release its report Monday (Feb. 25) morning.

Sources indicate the BHC proposal will leave the FHA program largely intact so it will be around to soften the blow in the next housing crisis.

And it calls for the creation of a secondary mortgage entity that will eventually assume Fannie Mae and Freddie Mae’s secondary market role.

But in the good times, the commission wants the private sector to be the dominant player in the mortgage market.

SHOUT OUT: We’ve been giving shouts out each week to any mortgage-related firm that adds ten net new hires. That’s because we see this as the way the industry (and national) economy gets out of a tepid recovery—private sector hiring. (Consumers are still wary about adding credit and government, believe it or not, has convinced itself austerity is the way to go.). At the Mortgage Bankers Association’s servicing meeting this week in Dallas, Loren Morris, SVP of Retreat Capital Management, an advisory services firm, said his firm grew 200% last year and had “many more” than 10 net new hires. Good work, and it keeps the streak going—we’ve found a “net plus ten” mortgage firm each week since we started the blog in December. Morris also told us that Retreat may become a servicer this year, on the specialty side.

UGLY PILLS: We’re champions of the First Amendment here and are never in favor of outside censorship. But self-censorship is another concept, and a virtuous one. So if our friends at Mortgage Grapevine would stop referring to each other in language that would make subprime lenders blush and stop referring to President Obama in racist terms, we think the political discourse would be greatly improved. And as an example of our own self-censorship, we are NOT going to provide a link to the thread that inspired these thoughts. Instead, try this one.

EQUAL TIME: Blogger Garth Graham may have ruffled a few feathers with his latest blog comparing mortgage industry management to the management of the Dallas Cowboys, a team he doesn’t much like. (The connection? Garth was heading to the MBA servicing show in Dallas.) So in the interest of being fair (and we ourselves are from New York and have no dog in this hunt) we’re going to say a couple of nice things about the Cowboys (you can decide for yourself whether they are applicable to mortgage management). The Cowboys’ marketing tag “America’s Team” is brilliant, even though, as Garth points out, the Cowboys’ success in the post-season has been spotty. Let’s call it an aspiration instead. And if imitation is the greatest form of flattery, the Cowboys’ cheerleaders have to be the most lionized bunch in cheerleading history. As for the Redskins, a team Garth much prefers to the Cowboys, let’s not forget that “Redskins” is a racist term (it refers not to American Indian skin color but to the bloody scalps of Indians bounties would be paid on). It’s about time the DC team had a more appropriate name. How about the Sequesters? And now, on to homebuilding (baseball) season…

Mark Fogarty is editorial director of the SourceMedia Mortgage Group and has been commenting on the mortgage market since 1984. Brian Collins is the group’s senior editor and D.C. bureau chief. He has worked the mortgage beat since 1988.


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Court Ruling Won't Bother CFPB

WE’RE HEARING the Consumer Financial Protection Bureau is carrying on as if it is business as usual.

Despite all the noise about a court ruling invalidating recess appointments and legitimacy of the CFPB’s actions, bureau officials are still working on regulations, including a new servicing rule.

The CFPB issued a massive servicing regulation in mid-January that covers the mechanics of servicing, including expectations for error resolution and loss mitigation. Other sections address abusive force-placed insurance practices and providing informative periodic billing statements.

But that rule does not cover all the concerns that the CFPB has about servicing.

So servicers should be on notice that the CFPB wants to address servicing transfers and a proposed rule might be issued for public comment soon.

Bureau officials have heard stories about loans that went into default and then were transferred, which delayed intervention to bring the borrowers current or modify the loan.

When CFPB officials released the final servicing rule they indicated that they were working on a servicing transfer rule, according to Richard Andreano, an attorney at Ballard Spahr.

When servicing is transferred, the bureau wants to ensure there isn’t a hiccup in terms of considering troubled borrowers for loss mitigation. They don’t want a transfer to “exacerbate the situation,” he added.

Andreano also noted that CFPB will be watching the results of the mortgage and servicing settlements and other issues may come to their attention.

“We imagine that CFFB will continue to focus on the servicing area,” he said, which could lead to additional rulemaking.

WILD AND CRAZY GUYS: Frank and Brian from Think Big Work Small are two wild and crazy guys (in the best possible sense). They offer an entertaining and informative analysis of the mortgage and real estate industries almost every day. In today’s video they compare Jamie Dimon of Chase to Lance Armstrong, put the Tour de France yellow jersey on him, and suggest that Chase may be guilty of “performance enhancing loans,” a category that doesn’t exist but maybe ought to. They also suggest a visit to Oprah’s couch might be helpful for the Crazy Diamond. And enjoy that frat-boy set of theirs, with a guitar, drum kit, American flag and poster of Farrah Fawcett (are they old enough to remember that most angelic of Charlie’s Angels?).

MOST READ/E-MAILED CONTENT: This week, one item takes both categories. It’s Brian’s piece last Friday about the FHA’s MIP guidance. How long do you have to pay that FHA MI for? You may not be happy at the answer. FHA was in the news this week with Congressional hearings and was blasted by Rep. Jeb Hensarling for offering high-priced loans instead of sticking to its low-mod and first-time roots. Plus, it was competing with all the private jumbo lenders—oh wait, jumbo lending remains a vast desert that FHA is trying to make a market in! Can’t win for trying.

OH, THOSE VINERS: Lots of responses this week at mortgagegrapevine.com to a thread called “Breastaurants.” We’ll leave it to you to imagine what they are and whether or not our Viners are in favor. Instead, we’ll being you a more thoughtful thread on the pros and cons of social media. Do they bring in the leads or are they a big waste of time?

HIRE SQUAD: We believe the mortgage business will get out of its tepid recovery by private sector hiring. So we’ve been giving a shout out to any company that has ten or more net new hires. And we have another one this week. Real Estate Mortgage Network Inc. continues to expand its footprint in New Jersey with a new branch location in Monmouth County. Located in the Borough of Shrewsbury, this new REMN office will be led by Rene Stone. Stone will lead a team of nine associates including Michael Beagan, Dawn Benedickson, Tiffany Franco, Paula Frendel, William Green, George Monks, Brenda Valente, Roger Wilbert and Paul Winters.

Mark Fogarty is editorial director of the SourceMedia Mortgage Group and has been commenting on the mortgage market since 1984. Brian Collins is the group’s senior editor and D.C. bureau chief. He has worked the mortgage beat since 1988.


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