As promised, during my time as Director of National Intelligence of the United States and Director of Federal Housing, I have donated my Government Salary to Wounded Veterans, and the total is now $130,598.86 which has been donated. ✅

“CHLA: More Freddie Mac MBS Buying Could Narrow Mortgage Spreads” nationalmortgageprofessional…

Just full blown competition in credit scores which leads to affordability. Companies, across the spectrum, Experian, Equifax, FICO, etc increased their prices outrageously during the Biden years, due to Biden’s incompetence and lack of competition amongst market participants.

It’s not pressure. I’ve asked them for pricing since March and they won’t give it to us. We need competition in all areas including credit scores.

He’s the greatest — the GOAT

Interesting piece today by Washington Analysis, a CFRA business

This was great

U.S. FinTech is taking the lead on technology for Fannie Score and Freddie Score. Their technology and technology team is second to none. Great work, guys!

Title Insurance Changes Could Save Homeowners southshorepress.com/national…

“By requiring that Classic FICO scores still accompany VantageScore submissions, experts also point out that the FHFA has solved for two major impediments to more rapid VantageScore adoption: substituting FICO scores with VantageScore outright or instituting lender choice, which have been seen as non-starters because of likely data degradation.” scotsmanguide.com/news/pulte…

“But by essentially force-feeding VantageScore to secondary markets, experts tell Scotsman Guide that the move stands to accelerate investor adoption by positioning secondary market participants to be at a competitive disadvantage should they choose to not begin incorporating VantageScore into their databases and analytics.” scotsmanguide.com/news/pulte…

Is this accurate about Experian and the Credit Bureaus? “The credit reporting bureaus have increased the price of credit reports by 400% over the past decade, they've simultaneously off-shored their workforce. Some 73% of Experian employees, for example, are outside the U.S., according to BAC.”

He was great

.@jdawsey1 , of the Wall Street Journal, is working with his frequent “source” / Person to spread false statements.

So great “BofA: Add GSE scores to models to predict delinquencies” nationalmortgagenews.com/new…

🔥 AWESOME! President Trump just posted his POWERFUL golf swing "Hitting balls with Bryson D" 👏🏻 47 was spotted golfing with Bryson DeChambeau this weekend, along with GARY PLAYER That's power for 80 — the left will look at this and continue to frantically make conspiracy theories about his "failing health" 🤣 POTUS IS HIGH ENERGY. And he's not slowing down any time soon

We decided to OPEN UP Our Internal Mortgage Credit Scoring. This LOWERS Prices & increases competition. Even Big Banks say our Internal Models are MORE PREDICTIVE! BofA: “Fannie Score demonstrates steeper delinquency curve along score levels, INDICATING BETTER PREDICTIVE POWER.”

Wow! Bank of America research on GSE credit scores vs. FICO/Vantage: "the GSE scores overall serve as better indicators of borrower delinquency risk... both GSEs' internal scores demonstrate a steeper default curve, indicating stronger ability to distinguish borrower credit performance."

Pulte says Fannie and Freddie will begin ramping up MBS purchases Holdings of mortgage-backed securities at the companies have declined for three straight months scotsmanguide.com/news/pulte…

We are beginning to buy even more, large quantities, as we speak.