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Birchwood Credit Services Delivers for Operation Gratitude


For the second year in a row, Birchwood Credit Services is pleased to have had the opportunity to thank U.S. Troops, first responders, and others by supporting Operation Gratitude at this year’s New England Mortgage Bankers Conference (NEMBC) hosted by the Massachusetts Mortgage Bankers Association (MMBA). 

Birchwood Credit Services Approved for Fannie May Day 1 Certainty Validation Services


Birchwood Credit Services has announced approval of its 4506-T transcript ordering platform under Fannie Mae’s Day 1 Certainty program as of October 3rd, 2017. As of today, Birchwood offers validation services for Verification of Income, Verification of Assets, and 4506-T transcripts all of which are accepted under Day 1 Certainty.

House Prices Jump 6.2 Percent in 2Q to Eclipse 2016 High


Existing home prices maintained their "robust" growth in the second quarter by jumping 6.2 percent, the National Association of Realtors reported.

Real Estate Americans' Favorite Long-Term Investment


When asked the best way to invest money not needed for more than 10 years, more Americans said "real estate" than any other option, albeit not by much.

Americans Say Housing Market ‘Improved;' Owning Home ‘Good Investment'


A decade after the housing crisis, a majority of homeowners perceive the housing market as having strengthened and an overwhelming number of respondents view owning a house as a solid investment, reported a survey from Digital Risk, Maitland, Fla.

Fannie Mae will ease financial standards for mortgage applicants next month


It’s the No. 1 reason that mortgage applicants nationwide get rejected: They’re carrying too much debt relative to their monthly incomes. It’s especially a deal-killer for millennials early in their careers who have to stretch every month to pay the rent and other bills.

Public Record Reporting Changes Coming July 1st!


As part of the previously announced National Consumer Assistance Plan and Birchwood’s commitment to serving the needs of our business clients, we are reaching out to inform you that Experian®, Equifax®, and TransUnion® will be implementing some changes relative to the collection of Public Record data. The reason for this change is that the three nationwide Credit Reporting Agencies (CRAs), Experian®, Equifax®, and TransUnion®, have determined that some public record data does not meet minimum data standards and service levels for collection and timely updating.

Builders Are Really, Really Confident in Housing


The National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) rose two points in May, the second highest reading since the 2008 downturn.

Going Up! Existing-Home Sales at 10-Year Peak


Total existing-home sales soared by 4.4 percent to a seasonally adjusted annual rate of 5.71 million in March from a downwardly revised 5.47 million in February, according to new data from the National Association of Realtors (NAR). On a year-over-year basis, March’s sales pace is up 5.9 percent—and it also surpasses January as the strongest month of sales since February 2007 (5.79 million).

Refis Continue Dip, FICO Scores Up


Refinancing has continued its downward slope, dipping to just 37 percent of all loan originations in March, according to the March 2017 Origination Insight Report released by Ellie Mae on Thursday. That’s down from February, when refis accounted for 43 percent of all loans, and also down year-over-year. Refinances accounted for 45 percent of loan originations in March 2016.


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