5 percent risk retention Archive

QRM: How to Shrink Home Sales By a Third

By Robert Freedman, senior editor, REALTOR® Magazine A banking reform rule proposed by the FDIC and Federal Reserve earlier this month to require 20 percent minimum down payments on residential mortgage loans is based on the idea that loans with...
April 18, 2011

What Exactly Is a ‘Safe’ Residential Mortgage?

By Robert Freedman, Senior Editor, REALTOR® Magazine Some federal banking regulators think a conventional residential mortgage loan isn’t safe unless it comes  with  a minimum 20 percent down payment. The country’s six banking regulators have been hammering out rules for what’s known...
March 3, 2011