Archive
Housing policy
Higher Scores. Lower Costs. More Questions.
Borrower savings, lender flexibility and new risk questions. See what's behind the latest shake-up in mortgage credit scoring....
Learn More
Housing policy
Who Can Hold the World’s Mortgage Credit Risk?
Greetings from Dublin, Ireland, where the Guinness is stout, the welcome warm, the weather damp and financial services regulators are divided on the answer to a simple question: “Who is allowed to hold ...
Learn More
Housing policy
Gen Z’s Housing War
The “generational housing war” has become one of the loudest, least-informed debates in American life. Notably, most of the numbers fueling it don't mean what people think they mean....
Learn More
Housing policy
The Other CRT
With policymakers considering the release of Fannie Mae and Freddie Mac from conservatorship, deciding who takes on mortgage credit losses is more crucial than ever. CRT has quietly been the go-to solut...
Learn More
Insight
Which Homebuying Cost Has Quietly Become MORE Affordable?
While home prices, utility costs and property taxes continue to rise, private mortgage insurance (MI) has moved in the opposite direction, becoming significantly less expensive in recent years. This shi...
Learn More
Housing policy
The Obvious Is Becoming a Housing Problem We Can’t Ignore
The latest entry, the California Policy Lab finding that people who leave California locate cheaper housing, inspired us to look at similarly “shocking” conclusions....
Learn More
Housing policy
PolicyCast Live Replay: Why Natural Disasters Are Changing Housing
John Rogers, Chief Data & Analytics Officer at Cotality, joins host and Capital Commentary author Kirk Willison, SVP of Global Public Affairs at Arch MI, to discuss the challenges for lenders in 2026....
Learn More
Housing policy
Pro vs. Anti-Investor Ban
The comprehensive housing bill is progressing in Congress, but the portion restricting investors remains uncertain. This issue of Capital Commentary dives into the pros and cons of an institutional inve...
Learn More
Insight
Tough File, Tight Timeline: Ask Arch MI for Clarity Now
Today’s loans often raise multifaceted questions. ASK Arch MI provides lenders with clear, scenario specific underwriting guidance, fast responses from MI experts and practical direction that helps appr...
Learn More
Housing policy
Bipartisan Housing Affordability Alarm
While Congress often finds itself divided, there’s a rare level of agreement emerging on one issue: Housing affordability is spiraling out of control. This growing consensus is great news … even if ther...
Learn More