Sentences with phrase «retain loans on their books»

Once again, while banks are sufficiently capitalized to retain loans on their books, smaller lenders are not and thus would need to increase mortgage lending rates to offset additional risk, thus increasing costs to consumers.

Not exact matches

The consensus, though, is now leaning toward scrapping that requirement and allowing issuers of mortgage - backed securities to retain no portion of the loans on their books even in the case of mortgages with very small downpayments.

By offering a «high balance» loan of $ 561,200 in higher - cost areas, buyers retain access to the most popular loan program on the books.

The QRM rule gives a lenders a way to circumvent risk - retention rules that would otherwise require them to retain 5 % of their loans on the books.

The loans will be purchased by institutional asset managers instead of individual investors and Upgrade will retain some loans on its own books.

The QRM rule provides a set of requirements a loan must meet to be considered safe and eligible to be sold to investors as part of a mortgage - backed security without the lender having to retain 5 percent of the loan amount on its books.

Loan Core eventually plans to provide commercial real estate loans using a mechanism that will allow it to retain a portion of the loan on its books and sell off the senior portion in the securitized marLoan Core eventually plans to provide commercial real estate loans using a mechanism that will allow it to retain a portion of the loan on its books and sell off the senior portion in the securitized marloan on its books and sell off the senior portion in the securitized market.