Guild pushes GSEs to scale residual income analysis
Guild Mortgage is advocating for Fannie Mae and Freddie Mac to adopt residual income analysis at scale through ongoing conversations and data sharing. The California-based lender has used this model since 2022 in its “Complete Rate Program” that’s available for government loans. Because Guild retain
Securitized market stepping up preparations for new scores
The government-related market's push has intensified efforts to draw up classic FICO comparisons or set up interim rating policies pending more data.
Mortgage Rates Near Lowest Levels in Weeks
Some national headlines are pointing out that mortgage rates are higher this week. Those are based on weekly survey data which can often be stale compared to daily rate movement. Actual average rates are now in line with last Thursday's levels of 6.58% for top tier 30yr fixed scenarios. That's just
Pamela Heman
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