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How Could Mortgage Rate Upswings Impact Housing?


Freddie Mac has released its February Insight report, which “looks into the effects of higher mortgage rates on home buyers, homeowners wishing to refinance, mortgage lenders, home builders and real estate agents.” For this latest Insight report, Freddie Mac economists have looked at how rising mortgage interest rates could impact the housing market, as well as what ripples past increases have caused.

Will Rising Mortgage Rates Ruin the Homebuying Season?


Mortgage rates continued their upward climb this week, with 30 year fixed mortgages reaching their highest point since 2014 according to the Freddie Mac Primary Mortgage Market survey released on Thursday. The survey indicated that 30-year fixed mortgage averaged 4.40 during the week, up from 4.38 percent last week.

FHFA extends comment period on credit scoring changes


The Federal Housing Finance Agency said Friday it will give commenters more time to weigh in on a potential update to the credit scoring requirements for Fannie Mae and Freddie Mac.

Among consumers managing debt, buying a home is a low priority


Credit score damage is a chief regret among consumers, but among financial goals it impedes, buying a home lies further down the food chain than other priorities, according to

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


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


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?


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


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.


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