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Residential MBS

Highlights

  • 19 May 2015
    • Soft mortgage underwriting measures are better predictors of US prime RMBS performance in economic downturns
      Qualitative mortgage underwriting factors pertaining to the borrower’s credit and payment history and number of lines of credit, in conjunction with quantitative factors, can better indicate the performance of US prime RMBS pools during an economic downturn. They provide insight into a borrower’s ability and willingness to repay that measures such as credit score, loan-to-value and debt-to-income ratios do not capture… Press Release l Full Report
    • New rule affecting mortgage lenders, US RMBS trusts increases risk of losses stemming from non-compliance
      The new TILA-RESPA Integrated Disclosure Rule (TRID) rule will increase the types of lender errors on loan disclosures for which RMBS trusts will be held liable when it goes into effect in August. Losses on RMBS will increase if trusts contain loans with uncured violations. However, RMBS are unlikely to contain such loans if issuers continue to perform diligence on all of the loans and remove defective loans from the pools prior to closing… Press Release l Full Report
  • 6 May 2015
    • Inclusion of both spouses in loans backing US reverse mortgage deals benefits the pool
      Since lenders of reverse mortgages grant smaller loans to younger borrowers, securitizations of loans that include both spouses of married borrowers would benefit from lower loan-to-value ratios. They would also likely experience lower losses because the removal of the threat of a contested foreclosure or the lender's voluntary delay would shorten the time to liquidation of the properties…Full Report
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