Residential Mortgage Market: Time for a "Do Over"

Analyst: Bill Bradway

August 4, 2009

An abundance of media coverage has saturated the marketplace on the housing-lead recession, the failure of financial institutions large and small, a massive US government bailout for the banking industry, massive loan losses that are still expanding, and a dramatic reduction in new home sales and resale transactions. The US residential mortgage market’s long and serious illness has been documented from many perspectives. Everyone seems to agree that this market will return to health at some point in the future. Just about every industry entity would like to “do over” the mortgage market.

Figuring out the most likely scenarios for the mortgage market’s recovery is difficult due to its complexity and diversity. One of the first issues we believe should be evaluated is the shape of the mortgage market eco system. Origination, servicing, and secondary markets are the three key foundation components. This analysis addresses a range of open questions that affect the future of the residential mortgage market.

• What will the future mortgage market eco-system look like?
• What will happen to mortgage origination volumes?
• Will mortgage brokers have a future?
• What will become of Fannie Mae and Freddie Mac?
• How will mortgage-related FinTech vendors fare?

Read more to find out how to receive access to this and other A & O Briefs.

Bradway Research permits the purchase of an individual Analysis & Opinion Brief for internal use by the purchasing party. We use PayPal to complete all online purchase transactions. Plese click on the "Buy Now" button to use PayPal's credit card transaction service. Once the transaction has been completed and notice is received from PayPal, you will receive the A & O Brief by email. Please contact us at info@bradwayresearch.com if you have additional inquiries.