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How Lender-Mandated Credit Overlays Undermine the Mission of the GSEs

Imagine that you're a borrower with a credit score of 580 or worst yet no credit at all.  You have what the Lenders call alternative credit (rent, utilities, cable & phone bill and etc.).  You are employed with a qualified debt to income ratio and have saved a down payment of at least 3.5% and maybe some of your closing cost. On paper, you seem like a perfect candidate for an FHA loan. However, your lender denies your loan application because of your low FICO score or because you do not have a FICO score.  Even though you have met the U.S. government's requirements for getting an FHA loan, your lender declines to approve your loan because of their credit overlays.  This scenario is being played out every single day at all the major banks, credit unions and many mortgage banks.  Who is in charge of the guidelines and parameters by which banks can lend?  Are the additional credit requirements legal or discriminatory based on federal law?  I believe...
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Goal Setting versus Goal Achievement

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JPMorgan Got Off Easy: Why The Settlement Is Not Justice

The Justice Department, along with federal and state partners, announced this week a $13 billion settlement with JPMorgan - the largest settlement with a single entity in American history.   This settlement brings to a resolution the federal and state civil claims arising out of the packaging, marketing, sale and issuance of residential mortgage-backed securities (RMBS) by JPMorgan, Bear Stearns and Washington Mutual prior to Jan. 1, 2009. I know that there are many politicians who are happy that the Justice Department settled with JP Morgan.    I am disappointed, though, with all the statements in the press release from the various District Attorneys who are claiming victory and that justice has finally been done.   It is ridiculous and it is politics as usual.   Am I alone here?   Have we lost our minds as a country?   How is this a day of celebration?   The fact that this settlement represents the largest settlement with a single entity...
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