tag:blogger.com,1999:blog-940142538364421402.post2115284367822455495..comments2024-03-02T02:30:55.592-08:00Comments on Bill Maloni's GSE Blog: Mortgage World Gets Busy!Bill Malonihttp://www.blogger.com/profile/17459277100798719104noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-940142538364421402.post-3958119071411977902022-10-01T22:15:35.132-07:002022-10-01T22:15:35.132-07:00y6r65h1v64 k9h39i0l39 f3w42p1d81 l5s92m9x49 c0... <a href="https://www.dolabuy.ru/fr/g-sac-homme-c-157_168_197/uk-gucci-fake-black-gg-supreme-petit-messager-523599-sac-p-3590.html" rel="nofollow"><strong>y6r65h1v64</strong></a> k9h39i0l39 <a href="https://www.dolabuy.ru/g-sac-homme-c-157_168_197/" rel="nofollow"><strong>f3w42p1d81</strong></a> l5s92m9x49 <a href="https://www.dolabuy.ru/pont-c-157_158_239/what-best-designer-replicas-m81393-louis-vuitton-lv-pont-9-compact-wallet-p-5316.html" rel="nofollow"><strong>c0c67x5i32</strong></a> y8r49w9a78phytoughshttps://www.blogger.com/profile/16252659372331490129noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-66845394330637172802020-08-23T06:41:27.118-07:002020-08-23T06:41:27.118-07:00moncler
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In ...Offer to bring the wine and extra ammunition.<br /><br />In my angrier moments, I say "lie," but the advocates shade and twist the facts to fit their position.<br /><br />Yes, there was a CBO study which claimed CWJC could produce $58 Billion in savings.<br /><br />Yes, Corker and the WH (Stegman) both mention it because it support their positions.<br /><br />Those employing the fact of the study are not responsible (or ersponsible enough) to point out that "revenue gains," solely, came from disparate accounting--apples versus oranges-- treatment over several years. Or, that the CBO did not estimate the added cost to consumers and the market from the transition, inevitable dislocation, higher costs, fewer product options, possibly less liquidity, etc. etc. than what exists in the current GSE dominated system.<br /><br />So, were they lying????Bill Malonihttps://www.blogger.com/profile/17459277100798719104noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-12550225112512902362014-09-10T15:47:03.543-07:002014-09-10T15:47:03.543-07:00With the Treasury, FHFA, the Justice Department, W...With the Treasury, FHFA, the Justice Department, WH, CBO and tons of congress members all in on this big lie, you wonder if anything that anyone in the government says can be taken at face value anymore.<br /> <br />I'll have to start being nice to my wacko neighbor that is stockpiling canned food and water as he's starting to make a lot more sense now:)Matt Hillhttps://www.blogger.com/profile/15522057373852681455noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-49574359696086449272014-09-10T15:26:57.695-07:002014-09-10T15:26:57.695-07:00Naturally, I should spellcheck my comments.
That ...Naturally, I should spellcheck my comments.<br /><br />That should have been "WH."Bill Malonihttps://www.blogger.com/profile/17459277100798719104noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-21921332558700302442014-09-10T15:26:08.646-07:002014-09-10T15:26:08.646-07:00So did the WEH, see Mike Stegman's
comments to...So did the WEH, see Mike Stegman's<br />comments to North Carolina lenders, yesterday.<br /><br />Such bullshit.<br /><br />How can you just assume no dislocation, no brittle results, no service gaps, and no cost increases, when you uproot something as big sand as systemically integrated F&F and substitute an entire new set of rules?<br /><br />As a friend puts it, "It's La-La Land mortgage money, free and there for everyone!"Bill Malonihttps://www.blogger.com/profile/17459277100798719104noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-68150159416750376642014-09-10T13:26:22.013-07:002014-09-10T13:26:22.013-07:00I see Corker jumped on that CBO report like a duck...I see Corker jumped on that CBO report like a duck on a June bug. Based on CBO track history, I'm gonna go with Glassman's numbers.Matt Hillhttps://www.blogger.com/profile/15522057373852681455noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-2060790872634736632014-09-08T12:07:50.703-07:002014-09-08T12:07:50.703-07:00DJ is a long, long time friend and former colleagu...DJ is a long, long time friend and former colleague, who now works in the Bank System.Bill Malonihttps://www.blogger.com/profile/17459277100798719104noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-25169883535550111232014-09-08T10:34:52.874-07:002014-09-08T10:34:52.874-07:00We(the FHLBanks) made it clear last week that we h...We(the FHLBanks) made it clear last week that we have very serious concerns about the proposed anti-liquidity reg that the FHFA is about to publish in the Federal Register. So there's no need to go into here .. other than to say it would force many banks and thrifts to maintain at least 10% of their assets in mortgages or MBS. Why? Good question. Because it would mean less money, not more, for housing. Right now the most important matter is the very limiting 60-day comment period that FHFA has set. At the very least, a healthy dialogue on the issue deserves a more reasonable 120-day comment period. If you agree more time is necessary, write FHFA Director Watt.David Jeffershttp://www.fhlbanks.comnoreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-18397753005774971282014-09-08T10:12:59.251-07:002014-09-08T10:12:59.251-07:00Thanks Chris--
Look deeper into the report and yo...Thanks Chris--<br /><br />Look deeper into the report and you'll notice it suggests savings come from utilizing different accounting procedures for GSEs and the proposed FMIC.<br /><br />As noted, CBO Garbage in, CBO garbage out, with an attitude!<br /><br />The bad guys always use smoke and mirrors.Bill Malonihttps://www.blogger.com/profile/17459277100798719104noreply@blogger.comtag:blogger.com,1999:blog-940142538364421402.post-56049106104316544582014-09-08T08:46:39.494-07:002014-09-08T08:46:39.494-07:00"How much would it cost families if as many h..."How much would it cost families if as many housing sources claim that new mortgage activity under the CWJC would carry rates 100-200 basis points (1 to 2% and some estimates are higher) more costly? How many fewer would qualify for a mortgage loan? How much would it cost those who do qualify if the $500 Billion in new capital required in CWJC doesn’t show up? And, who would pay it or fill the gaps."<br /><br />Hard to decipher the $58B bonanza, with relatively limited costs in first 5 years, and $10B in years 6-10.<br /><br />What is clear is that they use .9% (90BP) as their profit fundction.<br /><br />Multiply that times the $1 trillion a year and we are looking at cost to consumers of at-least $90B<br /><br />Mortgage tax. Inefficient. Locking out small banks. Who will be there in a downturn. So many clear hurdles and way too many questions.<br /><br />Nice try CBO. (And, interesting timing to counter James Glassman +200B profit, left on the table)<br /><br />ChrisAnonymousnoreply@blogger.com