SMMOnline Archives

Archived publications of SMM Magazine featuring analyses of key business, economic and public-policy issues affecting the housing and mortgage-finance markets.

Dec 1999		Volume 16, Number 2
Apr 1999		Volume 16, Number 1
Jul 1998		Volume 15, Numbers 1 and 2 (double issue)
Oct 1997		Volume 14, Number 3
Jul 1997		Volume 14, Number 2 (annual Mortgage Market Trends 1997)
Apr 1997		Volume 14, Number 1
Dec 1996		Volume 13, Number 4
Nov 1996		Volume 13, Number 3 (annual Mortgage Market Trends 1996)
May 1996		Volume 13, Number 2

December 1999 – Volume 16, Number 2

• Credit Derivatives: Hedging Closer to Happiness [PDF 172K]
• Stellar House-Price Gains: Breaking New Economic Ground [PDF 79K]
• Getting to Know Borrowers Again: Who Pays, Who Delays and Who Strays [PDF 79K]
• Glossary of Economic and Finance Terms [PDF 71K]
• From the Editors: Three Ways, No Four, to Find Peace of Mind [PDF 24K]

April 1999 – Volume 16, Number 1

• Online Mortgage Business Puts Consumers in Driver's Seat [PDF 146K]
• Policy Thicket Complicates Efforts to Take Lending Online [PDF 84K]
• Industry Makes Early Plans to Exterminate Y2K Bug [PDF 72K]
• Housing Markets Continue to Roll with the Good Times [PDF 147K]
• Arm Borrowers Match Loans to Their Uncertainty Tolerances [PDF 51K]
• Refinancers Crave Cash on Top of Lower Monthly Payments [PDF 167K]
• Appendix Tables [PDF 48K]

July 1998 – Volume 15, Numbers 1 and 2 (double issue)

• Getting a Grip on Capital [PDF 482K]
• Why Care About Capital, Anyway? [PDF 215K]
• Bank Regulators Who Act More Like the Market [PDF 54K]
• The Regulators' Challenge: Equal Capital for Equal Risk [PDF 324K]
• All Capital Is Not Created Equal [PDF 237K]
• No Fair! Their Capital's Lower Than Mine [PDF 178K]
• New Capital Rule Signals Supervisory Shift [PDF 252K]
• Enough Is Enough: A Timely Look at Financial-Soundness Measures [PDF 389K]
• Drawing an Ellipse Around Risks [PDF 315K]
• When Only the Best Will Do: Best Practices in Capital Allocation [PDF 276K]
• Stressing Performance: Evaluating the Capital Adequacy of Freddie Mac and Fannie Mae [PDF 140K]

October 1997 – Volume 14, Number 3

• Revisiting Targeted-Affordable Lending [PDF 1.7M]
• Mortgage Industry Turns Up Heat on Fraud Artists [PDF 1.3M]
• The Prepayment-Protection Loan Rides Again [PDF 329K]
• News: Payment Options Proliferate Among ARMs [PDF 218K]
• House-Price Report/National: National Appreciation Rate Remains Strong [PDF 173K]
• Let Me Be Frank: This Time, Joint Center Finds Landlord Discontent [PDF 174K]

July 1997 – Volume 14, Number 2 (annual Mortgage Market Trends 1997)

• Housing-Finance Team Faces Hard-to-Beat Record [PDF 579K]
• You Have Now Entered the Bowie Bond Era [PDF 490K]
• Get Set for Loan-Level Pricing [PDF 272K]
• Universal Accounts Could Make Mortgages Obsolete [PDF 258K]
• Will Manufactured Housing Become Home of First Choice [PDF 273K]
• Construction Capital to Flow into Low-Income Apartments [PDF 203K]
• Data Appendix [PDF 157K]

April 1997 – Volume 14, Number 1

• Loans Around the World [PDF 450K]
• Nearly 90 Percent of Americans Will Achieve Homeownership [PDF 451K]
• News: Borrowers Seek Familiar When Choosing Lenders [PDF 157K]
• Payment-Behavior Indicator to Help At-Risk Borrowers [PDF 121K]
• Administration Seeks FHA Parity with Conforming Limits [PDF 121K]
• Market Watch: Why Must House-Price Indexes Disagree? [PDF 203K]
• House-Price Report/National: National Appreciation Rate Returns to 4 Percent [PDF 150K]
• House-Price Report/Regional: West South Central States Post Modest Gains [PDF 150K]
• House-Price Report/State: Growth Spurts in Michigan, Oregon, Utah Outstrip National Pace [PDF 154K]
• Let Me Be Frank: Chicago Title Provides Early Peek at Who's Buying Homes [PDF 196K]

December 1996 – Volume 13, Number 4

• Derivatives: Powerful Tools in a Skilled Craftsperson's Hands [PDF 371K]
• Mortgage Servicing Takes Center Stage [PDF 249K]
• News: ARM Lenders Compete on Introductory Rates [PDF 117K]
• Market Watch: A Balancing Act [PDF 157K]
• House-Price Report/National: Housing Appreciation Cools Down Considerably [PDF 164K]
• House-Price Report/Regional: South Atlantic States Fall Short of Former Luster [PDF 164K]
• House-Price Report/State: East North Central States See Largest Price Gains Over Year [PDF 154K]

November 1996 – Volume 13, Number 3 (annual Mortgage Market Trends 1996)

• Market Trends: Past Is Prologue [PDF 385K]
• Rental Market Enters Era of Change [PDF 456K]
• Lessons from the Jumbo Market [PDF 536K]
• The Promise of Automated Underwriting [PDF 578K]
• Data Appendix [PDF 173K]

May 1996 – Volume 13, Number 2

• Fear of Homebuying: Why Financially Able Households May Avoid Homeownership [PDF 467K]
• Earthquake Risk Shakes Mortgage Industry [PDF 360K]
• Mortgage Accounting: What's the Score? [PDF 134K]
• News: Freddie Mac Helps Renters Buy Leased Homes [PDF 17K]
• Community Banks to Reduce Derivatives Investments [PDF 66K]
• Market Watch: When Good News Is Bad News [PDF 127K]
• House-Price Report/National: National House-Price Growth Maintains Pace [PDF 61K]
• House-Price Report/Regional: New England Housing Appreciation Continues Rebound [PDF 61K]
• House-Price Report/State: Mountain States Again Lead Country in House-Price Growth [PDF 213K]
• In Review: Strong Purchases by Lower-Income Homebuyers Stalls Prices [PDF 66K]
• Research Findings: Refinances Rebound with Short-Lived Rate Drop [PDF 375K]