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FHFA takes next step to changing credit scoring models, requests input

01.22.2018

The Federal Housing Finance Agency is asking interested parties to weigh in on its request for input on its possible change to its credit scoring models.

Credit score changes in mortgage market could increase homeownership opportunities

01.15.2018

The housing market could be on the verge of a shake-up, as well-established credit scoring requirements are being reevaluated by the Federal Housing Finance Agency (FHFA), potentially opening up the mortgage market to a greater number of aspiring homeowners.

Are New Loan Limits Already At Risk?

12.04.2017

The issue of Fannie Mae and Freddie Mac and their about-to-be-zero capital buffers has fallen off the radar in recent months, but apparently there is some movement behind the scenes.

Birchwood Credit Services Delivers for Operation Gratitude

10.13.2017

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

10.04.2017

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

08.21.2017

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

07.27.2017

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'

07.14.2017

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

06.08.2017

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!

05.30.2017

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.

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