In a recent National Mortgage News article, our Executive Director, Scott Olson, emphasized the importance of balanced reforms for FHA and Ginnie Mae: "There is growing consensus to reform FHA and Ginnie Mae. … All we ask is for this to be done in a balanced manner." As the sole national association representing independent mortgage banks —responsible for originating 83% of all mortgage loans —we advocate for reforms that streamline operations while preserving these agencies' essential roles in facilitating homeownership for millions of American families. Read the article here: https://lnkd.in/gkAc2PA3
COMMUNITY HOME LENDERS OF AMERICA
政治组织
ARLINGTON，Virginia 1,516 位关注者
CHLA is the distinctive voice in Washington for independent mortgage bankers (IMBs).
关于我们
The Community Home Lenders of America (CHLA) is a national non-profit association of small and mid-sized community-based mortgage lenders. The mission of the CHLA is to promote federal mortgage programs, rules, and regulations which treat community mortgage lenders fairly, and which reflect the critical importance that community mortgage lenders play in providing broad access to credit for borrowers, in increasing competition in mortgage markets, and in providing borrowers with quality mortgage services and access to loans at a local level. Community mortgage lenders face both significant challenges and new growth opportunities as the landscape for mortgage lending and servicing continues to change at an unprecedented rate. Federal agencies are issuing a number of new regulations under Dodd-Frank, the CFPB continues to grow, and Congress is beginning a vigorous debate on the financial status and role of FHA, on the future of Fannie Mae and Freddie Mac, and on steps that could be taken to bring private capital back into mortgage markets, in order to shrink the footprint of Fannie, Freddie, and FHA. These changes could have a major impact on community mortgage lenders. However, too often, policy makers in Washington hear only the voices of the biggest players, including so-called “too-big-to-fail” firms – often ignoring the perspective of other lender/servicers in the market. 2101 WILSON BLVD STE 610, ARLINGTON, Virginia, United States.
- 网站
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https://communitylender.org
COMMUNITY HOME LENDERS OF AMERICA的外部链接
- 所属行业
- 政治组织
- 规模
- 2-10 人
- 总部
- ARLINGTON，Virginia
- 类型
- 非营利机构
- 创立
- 2012
地点
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主要
获取路线
2101 WILSON BLVD STE 610
US，Virginia，ARLINGTON，22201
COMMUNITY HOME LENDERS OF AMERICA员工
动态
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?? In Case You Missed It: Critical Read for Mortgage Professionals ?? Our Executive Director, Scott Olson, is making an important call to action: Protect FHA and Ginnie Mae. These agencies have a long history of expanding homeownership and providing stability in the housing market — but they’re facing increasing scrutiny. ?? In this op-ed for National Mortgage News, he lays out why these institutions are vital, how they’ve successfully navigated past challenges, and why industry leaders must stand up for their continued role in housing finance. Read the full piece here: https://lnkd.in/gn3bfcCy Taylor Stork, CMB Dana Trajcevski Liz Scholz, CFA
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Independent Mortgage Banks (IMBs) play a critical role in homeownership, yet they face duplicative and costly regulations that impact efficiency and affordability. The Community Home Lenders of America (CHLA) has taken action—writing to the CFPB with key recommendations to streamline oversight while maintaining consumer protections. ? The CFPB should exempt smaller IMBs from exams, pursuant to the Dodd-Frank statutory requirement to tier supervision by firm size, volume, and risk – and limit exams of larger IMBs to gaps in state exam schedules or to state requests for the CFPB to conduct an exam. ? The CFPB should end regulation by enforcement, a practice that disproportionately harms smaller IMBs and their borrowers. Moreover, CFPB fines and orders should be based on the severity of the violation and should be clearly defined and be of finite term. ? The CFPB should increase LO Comp Rule flexibility – to help consumers by increasing competition and removing impediments to State HFA bond loans and IMB brokered loans. ? The CFPB should immediately suspend court order registry requirements for IMBs and withdraw its proposed form contracts rule. Both are redundant and unnecessary for IMBs. Read the full letter here: https://lnkd.in/gng5xqDq
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?? Still haven’t registered for HousingWire’s Housing Economic Summit? Stop procrastinating! This one-day event on February 26 will give you a comprehensive understanding of the economic factors driving the housing market in 2025. Topics include: ?? Mortgage rate outlook ?? Housing affordability challenges ??? The impact of the election on the market ?? The freshest data and sharpest insights from top housing economic experts ?? Exclusive offer: Get $350 off your registration! Use this link to save. https://lnkd.in/gQGR7Caw Don’t miss this chance to stay ahead of the market in 2025! ??
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CHLA commends the nomination of Jonathan McKernan as CFPB Director. Read the full statement here: https://bit.ly/41cebbb. #CFPB
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We're championing the White House's move towards upping the SALT cap, aligning with CHLA's advocating effort to give back a part of lost mortgage deduction benefits. Read about it here ?? https://bit.ly/3QddVSY
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Congratulations to Mike Dulla being named the new president of the Illinois Mortgage Bankers Association. We are proud to have him as part of our #CHLA community! #IMBA #leadership
It was an honor last night to be installed as the 2025 IMBA president along with fellow officers and friends James Harris, CMB?, AMP, Hipolito Garcia, Jr., and the new board of directors for this year. The Illinois Mortgage Bankers Association has been around for 104 years and has served as an important advocate acting on behalf of mortgage lenders, industry partners and homeowners throughout our great state. If you are in the home finance business in the state of Illinois and you are not a member, please reach out. The IMBA does great work, the association is made up of a wonderful group of people and the events are always fun. We would love to have you as a member.
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The Community Home Lenders of America (CHLA) congratulates Scott Turner as the next Secretary of the Department of Housing and Urban Development (HUD). With his leadership experience and deep commitment to housing accessibility, we believe he is well-positioned to tackle the challenges facing today’s housing market. As the only national association exclusively representing independent mortgage banks, CHLA is dedicated to advocating for policies that expand homeownership opportunities and ensure a fair, competitive mortgage market. Read our full statement here:https://lnkd.in/gg7Knh56
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"The Community Home Lenders of America, whose members are mostly small and mid-sized nonbanks, said it looks forward to working with Pulte on homeownership affordability and protecting smaller nonbanks in any plan in which the GSEs exit conservatorship." https://lnkd.in/gfnMcAcE
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“CHLA is pleased [that Friday’s] Consumer Financial Protection Bureau report has confirmed not just that mortgage refis reduce mortgage payments, but that they also improve homeowners’ credit scores,” the organization said. “However, CHLA continues to call on federal policy makers to take action to address flaws in the refi process — by reining in abusive trigger lead solicitations and by curbing exploding closing costs in non-competitive areas like FICO score fees.” https://lnkd.in/gGuqyrNn