Sadly, the days are already getting shorter here on the other side of the summer solstice. We thought it a good time to shorten this issue of Capital Commentary, too, by a couple of hundred words while still providing an optimistic outlook. Read More
The dog days of summer haven’t yet hit Washington, but the temperature was plenty hot for the Federal Housing Finance Agency (FHFA) at two House committees investigating the regulator’s decisions on the mortgage market. Read More
Anyone following housing policy knows that one issue has dominated recent headlines: Changes to upfront loan prices paid by borrowers on loans sold to Fannie Mae or Freddie Mac that took effect May 1. Read More
Warmer and longer days are brightening our surroundings and may contribute to a rosier outlook for housing. Read More
Climate change’s long-term implications for housing come under scrutiny in the latest Capital Commentary. Homeowners insurance and heating bills are increasing while policymakers wrestle with climate-exposed loans that lenders are shifting to the GSEs. Read More
This issue of Capital Commentary highlights new potential risks to the housing finance system: reducing the effectiveness of transferring credit risk and eliminating title insurance and full appraisals on many loans. Read More
Arch MI leaders recently visited Cincinnati, Ohio, to ask local stakeholders about the causes and ramifications of the limited supply of homes available for sale and what should be done to boost affordable homeownership in their communities. Their responses offer ideas for many other U.S. cities facing housing challenges. Read More
Just when you think there is finally a nationwide consensus about the need to build more homes to meet housing demand, someone lets the cat out of the bag that it just isn’t so. Read More
Ivy Zelman, CEO of Zelman & Associates, returns to discuss her firm’s contrarian views on the housing deficit, changing demographics and a suggestion for policymakers regarding inflation. Read More
Welcome to the first issue of Arch MI’s Capital Commentary for 2022. Read More