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Blog
COVID-19 Mortgage Relief—The Role of Income Support

The COVID-19 pandemic has led to a large number of furloughs, layoffs, reductions in hours worked, and wage cuts. Anticipating that many homeowners would consequently have problems paying their monthly mortgage bill, the U.S. Department of Housing and Urban Development ordered all mortgage servicers of federally backed debt to provide forbearance to any homeowners affected by the crisis. In addition, bank regulators encouraged lenders to forbear and restructure mortgages for borrowers affected by the shutdown, actions that staved off an immediate wave of foreclosures. At the end of the ...
Macroblog

Blog
Ability to Repay a Mortgage: Assessing the Relationship Between Default, Debt-to-Income

The Consumer Financial Protection Bureau has announced that it intends to change the definition of a “qualified mortgage.” Specifically, the CFPB proposes to reconsider the use of a borrower's debt-to-income ratio as a measure of the ability to repay a loan.
Dallas Fed Economics

Highly Indebted FHA Borrowers at Special Risk as COVID-19 Forbearance Ends

The situation appears most urgent for those borrowers who entered the crisis with a high debt load and little room to financially navigate without forbearance.
Dallas Fed Economics

Does Homeownership Provide an Escape from High Rent Burdens?

Many first-time homebuyers—often with little savings and vulnerable to economic shocks—obtain their mortgages through the Federal Housing Authority (FHA) loan program. Often, these borrowers are moving from apartments and have presumably weighed the costs of renting versus owning.
Dallas Fed Economics

Journal Article
Banking Trends: The Growing Role of CRE Lending

Commercial real estate has grown dramatically as a share of U.S. economic activity and is banks? largest lending category, particularly for small and midsize banks. It is also the riskiest part of bank portfolios. James DiSalvo and Ryan Johnston provide a primer. First in a series.
Economic Insights , Volume 1 , Issue 3 , Pages 15-21

The Long Road to Housing Finance Reform: 'Are We There Yet?'

Over the past decade, broad-based legislative reforms for housing finance have proven elusive. However, reflecting lessons from the financial crisis, a political consensus has emerged on how Fannie Mae and Freddie Mac should operate.
Dallas Fed Economics

After the Bust, the Long Road to Housing Finance Reform

The Treasury recently released a plan proposing several administrative and legislative changes aimed at returning Fannie Mae and Freddie Mac to the private sector after more than a decade of federal control.
Dallas Fed Economics

Large, Dominant Firms Depress Local Wages; Housing Costs Help Offset Lower Pay

Concern has increased about the ability of very large firms to exert market power and hold down wages in localities where they dominate.
Dallas Fed Economics

Journal Article
Banking Trends: The Growing Role of CRE Lending

Commercial real estate has grown dramatically as a share of U.S. economic activity and is banks? largest lending category, particularly for small and midsize banks. It is also the riskiest part of bank portfolios. James DiSalvo and Ryan Johnston provide a primer. First in a series.
Banking Trends , Issue Q3 , Pages 15-21

COVID-19 Exposes Mortgage Market Vulnerabilities that Led to Volatility, Fed Intervention

The COVID-19-induced financial market shock in March 2020 significantly disrupted the market for agency mortgage-backed securities.
Dallas Fed Economics

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