USMI
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....
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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 ...
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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....
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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...
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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....
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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...
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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...
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Housing policy
Voters Want Solutions as Housing Costs Squeeze the Middle Class
Nothing describes making it to the middle class like homeownership. Getting there is the challenge....
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Housing policy
What We’re Watching for in Housing This Year
As we step into 2026, a mid-term election year, we already see an increased focus on housing affordability from an administration hoping to maintain a GOP majority in Congress....
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