Blogs
Beyond the Guide: Why Insurance Compliance is the New Secondary Market Battlefield
In 2026, GSE insurance compliance has become the new battlefield for secondary market lenders. With March updates from Fannie Mae and Freddie Mac simplifying RCV verification, allowing ACV for roofs, and adjusting condo deductibles and reserves, The Commonwealth Group and CondoAnalytics help lenders navigate these changes to avoid buybacks and keep pipelines flowing.
Beyond the Guide: A Deep Dive into Mortgage Underwriting- Credit Review and Risk Mitigation
Discover advanced mortgage underwriting strategies beyond automated systems and FICO scores. Explore forensic credit analysis, trended credit data, hidden liabilities, and layered risk mitigation in 2026's volatile market. Learn how expert contract underwriting protects lender portfolios and turns complex files into saleable loans with The Commonwealth Group.
Fannie Mae and Freddie Mac’s No Cash-Out Refinance Requirements
Master Fannie Mae and Freddie Mac no-cash-out refinance (limited cash-out) requirements in 2026. Learn key seasoning rules, ownership continuity, cash-back limits (greater of 1% of new loan or $2,000), allowable payoffs, and exceptions for buyouts or secondary liens used for purchase. Discover how expert contract underwriting and processing from The Commonwealth Group helps lenders stay compliant, scale efficiently, and close faster without added overhead.
The Marriage of Security and Privacy
In 2026, the integration of security and privacy is no longer optional. Explore how NIST SP 800-53 Rev 5 unifies controls, eliminates silos, and helps organizations streamline GDPR, CCPA, and cyber resilience efforts for stronger data protection and compliance.
HUD Proposes Rescinding Disparate Impact Rule: Impacts for Mortgage Lenders 2026
HUD's January 2026 proposal to rescind disparate impact regulations under the Fair Housing Act could reduce burdens for mortgage lenders. Explore implications for fair lending compliance, litigation risks, and next steps from The Commonwealth Group.