Bonnie Sinnock
@bcynic
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Capital Markets Editor National Mortgage News @NatMortgageNews an Arizent publication @Arizent_co I write about mortgages - and more [email protected]
New York, NY
Joined April 2009
A single-close construction loan that can be immediately securitized, such as the one the USDA has pioneered, is among industry suggestions for ways Fannie Mae and Freddie Mac could boost builder activity. By @bcynic
https://t.co/EJFVNIhtZT
nationalmortgagenews.com
President Trump wants the two government-sponsored loan buyers to help speed lower-cost home creation and their oversight agency's director is following up.
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“Modern credit scores like Vantagescore that use both credit report data and alternative data, including rental payments, are long overdue for use in the mortgage industry,” said Silvio Tavares, president and CEO @VantageScore. By @bcynic
nationalmortgagenews.com
The move their regulator Bill Pulte announced introduces competition for one metric but charges from three credit bureaus will remain in place.
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Condo blacklist visibility has gotten better for lenders, but what they really want to see is more approvals and @CAIsocial says lending in this market is still “in crisis.” By @bcynic
nationalmortgagenews.com
Transparency has improved for mortgages but associations still lack access and insurance is a challenge in efforts to balance access to housing with safety.
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Each market cycle is different, and housing finance experts who have been through a few have some words of advice when it comes to navigating this one. https://t.co/VhDLUIIj6i
nationalmortgagenews.com
In some ways, the uncertainty in mortgage and capital markets has been unprecedented this year, but other aspects are old hat for industry veterans.
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Keep an eye on the moves this quiet but powerful servicing player has been making to acquire Guild Mortgage and take it private. https://t.co/vg6ESGd4vQ
nationalmortgagenews.com
The publicly traded company will become privately held as part of the all-cash servicer-lender acquisition, with a $20-per-share payout to common stockholders.
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The time is here - the first portion of this year's National Mortgage News Top Producers listing has been revealed. Keep an eye on our homepage for the remaining segments, as well as additional data points to be released. https://t.co/Xh7xdlOGoH
nationalmortgagenews.com
The 250 top mortgage originators in 2025 brought in high volumes despite less than ideal conditions. Check back in the following days for 150-51, the top 50 and the final full list, with further cuts...
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A blanket requirement for repairs to all real-estate owned properties at the government-sponsored enterprise has created financial and operational concerns, according to a @FHFA order that @Pulte posted on X. By @bcynic
nationalmortgagenews.com
The Federal Housing Finance Agency found the practice aimed at selling more real-estate owned homes to occupants had downsides, according to a recent order.
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The record-setting fixed-rate nonrecourse financing potentially opens up a new opportunity for nonbank mortgage companies with large MSR portfolios. https://t.co/V3s5ZXbHLI
nationalmortgagenews.com
The record-setting fixed-rate nonrecourse financing potentially opens up a new opportunity for nonbank mortgage companies with large MSR portfolios.
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Freddie Mac President Mike Hutchins has resumed the role of interim CEO. https://t.co/LkWtyU4JuA
nationalmortgagenews.com
The head of operations at the Federal Housing Finance Agency and two C-suite leaders at the government-sponsored enterprise are out, according to Semafor.
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The Trump administration has a lot of plans for reform with ramifications for mortgages and capital markets. What will these mean for Ginnie Mae servicing? https://t.co/gJNMbSNpex
nationalmortgagenews.com
Some precedents from Trump's first term do point to a scenario where depositories could re-enter the government mortgage market, according to one expert.
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Because capital markets work tends to be so specialized, the nonprofit’s founders wanted to supplement existing networking groups in the industry. By @bcynic
nationalmortgagenews.com
The CapitalW Collective supplements the work other organizations do by addressing the educational needs of women and others in the specialized portions of the mortgage business.
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National Mortgage News @NatMortgageNews · 4h “We have 50 million people between 30 and 40 in this country right now on the cusp of prime, first-time homebuying. So they're ready. The demand is there,” said Mike Fratantoni, @MBAMortgage #MBAAnnual24
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Breaking: Executive change at Pennymac https://t.co/P0RzVOR9vd
nationalmortgagenews.com
Chief capital markets officer William Chang is stepping down "to explore new opportunities within the mortgage banking sector."
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“Further action on the MIP, such as eliminating the life-of-loan premium requirement, should be considered,” said Bob Broeksmit, president and CEO, @MBAMortgage. #mortgage #insurance By @bcynic
nationalmortgagenews.com
Because the measure of the insurance fund's soundness remained well above its target, trade groups asked whether the cost of coverage could be further reduced.
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Through the end of 2025, the Tax Cuts and Jobs Act slashed the amount of principal value that's eligible for an itemized mortgage interest deduction on a first or second home to $750,000 from $1 million. #mortgage #financialplanning By @TobySalFP
nationalmortgagenews.com
A half dozen experts shared advice for financial advisors and clients who are buying, selling or refinancing homes.
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The panel on alternative credit was one of my favorites at #DIGMOEvent this week. https://t.co/4SVFDssswa
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Approximately 3,000 #mortgage applications have benefited from @FannieMae’s addition of positive rent payment history to its automated #underwriting system. By @bcynic
nationalmortgagenews.com
For those willing to experiment with the strategy, it could be a long-term differentiator.
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Have you put your company in the running for our Best Mortgage Companies to Work for 2023 ranking? The deadline for entries is approaching! https://t.co/oyLJetpP1q
nationalmortgagenews.com
The fifth annual survey seeks to identify and celebrate the best employers in the industry.
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Rail service into and out of Penn Station New York is subject to up to 20 - minute delays due to a disabled Amtrak track car near Newark Penn Station.
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