Sharad Chaudhary

Sep 14, 20205 min read

Non-banks in the Mortgage Market

Introduction It's hardly an overstatement to say that the institutional type of mortgage originators and servicers is playing a crucial...

Sharad Chaudhary

Aug 21, 20203 min read

A Close Look at the GSE Cash Window

Introduction to the Cash Window There are two methods for securitizing loans in Agency GSE MBS: swapping loans for a security (Swap) or...

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Sharad Chaudhary

May 21, 20205 min read

Mortgage Delinquency and Forbearance, Part II

As widely anticipated, the delinquency rate on mortgage loans jumped dramatically in May factor date data across the different Agencies...

Sharad Chaudhary

Apr 14, 20205 min read

Mortgage Delinquency, Forbearance and COVID-19

Introduction The economic destruction unleashed by the COVID-19 pandemic has lead to a surge in the unemployment rate which in turn will...

Sharad Chaudhary

Mar 28, 20203 min read

A Close Look at Appraisal Waivers

Property Valuation Data from the GSEs Among the relief measures rolled out by housing regulators in responding to the coronavirus...