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The recent housing crisis was in very large part caused by our government and quasi-governmental agencies (Fannie Mae and Freddie Mac) creating incentives for mortgage lenders to make loans that they would not have made otherwise. I’ll be happy to discuss this, but in my opinion it’s incontrovertible. In response to the crisis it created, … Continue reading
Last year’s Dodd-Frank financial regulation law requires consolidation of some key forms used every day in the mortgage business. Every time I hear that somebody in Washington is going to “simplify” paperwork I know it’s time to duck. Let’s hope this time is different. Continue reading
Bill Morris on Austin Real Estate 