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Volume 2018 - Number 12

March 23, 2018

Downloads Available: Debt-to-Income Ratios in Fannie/Freddie Business: 2016-2017

GSEs See Rapid Growth of High-DTI Loans Following Automated Underwriting Tweak in 2017; MIs Balk

Fannie Mae adjusted its automated underwriting services last summer to make more loans with higher debt-to-income ratios eligible for approval without lenders needing to provide compensating factors.

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This weekly covers the secondary mortgage market, including mortgage-backed securities and asset-backed securities.



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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.