TheMReport

MReport_April2015

TheMReport — News and strategies for the evolving mortgage marketplace.

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news and strategies for the evolving mortgage market themreport.com april 2015 39 O r i g i n a t i O n Survey FindS low SatiSFaction, high hopeS among originatorS more than half of loan originators find their job less rewarding now than in the past. 44 S e r v i c i n g FhFa director mel watt SayS harp can't laSt Forever FhFa attempts to reach out to eligible borrowers before the government's refinance program expires. 49 a n a l y t i c S houSing more aFFordable now than in pre-bubble yearS For the national payment-to-income ratio to reach pre-bubble levels, home prices would have to rise 25 percent or interest rates would have to rise 2 percent. 57 S e c O n d a r y m a r k e t government houSing Finance policy SpecialiSt diScuSSeS FhFa'S conServatorShip oF gSeS the obama administration says it is ready to discuss housing finance reform, but the industry harbors skepticism. Back to the Future Lenders who put eMortgages and eClosings on the back burner in 2008 find themselves racing into the future, where electronic mortgage processing is no longer a "have" but a "must."

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