RISMedia's Real Estate Magazine

NOV 2014

Real Estate magazine is the industry's leading source for real estate news and information since 1980. Published monthly by RISMedia, Real Estate magazine offers timely and relevant real estate news to the industry's top brokers and agents.

Issue link: http://remag.rismedia.com/i/402040

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Page 53 of 142

RISMedia's REAL ESTATE November 2014 49 T he mortgage market was buffeted by a number of changes in 2013 and 2014; among them, higher fees at the Federal Housing Administration (FHA) and changes to underwriting as required by the Ability-to-Repay (ATR) and Qualifed Mortgage (QM) Rules. In April of this year, NAR Research conducted its second Survey of Mortgage Originators. This second installment queried a sample of mortgage lenders about the actual impact of the ATR/QM rule three months after implementation, in addition to questions about the impact of changes to the FHA program. {Trending} Survey Indicates Credit Expansion HEADWINDS by Ken Fears

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