Home Equity Lending The
FRB: Press Release--Interagency risk-management guidance for home equity lending--May 16, 2005 Joint Press Release Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Office of Thrift Supervision For Immediate Release May 16, 2005 Agencies Issue Credit Risk Management Guidance for Home Equity Lending The federal bank, thrift, and credit union regulatory agencies today issued guidance that promotes sound risk management practices for home equity lines of credit and loans. The agencies have found that in some cases credit risk management practices for home equity lending have not kept pace with the product's rapid growth and eased underwriting standards. The rise in home values, coupled with low interest rates and favorable tax treatment, have made home equity lines of credit and loans attractive to consumers. To date, delinquency and loss rates for home equity portfolios have been low, due at least in part to the modest repayment requirements and relaxed structures of this lending. However, the agencies have identified risk factors that, along with vulnerability to interest rate increases, have attracted scrutiny, including: Interest-only features that require no amortization of principal for a protracted period; Limited or no documentation of a borrower's assets, employment and income; Higher loan-to-value (LTV) and debt-to-income ratios; Lower credit risk scores for underwriting home equity loans; Greater use of automated valuation models and other collateral evaluation tools for the development of appraisals and evaluations; and An increased number of transactions generated through a loan broker or other third party. The agencies note that active portfolio management is especially important for financial institutions that project or have already experienced significant growth or concentrations in higher risk products, such as high LTV, limited documentation and no documentation interest-only, and third-party generated loans. Like most other lending activity, home equity lending can be conducted in a safe and sound manner with appropriate risk management systems. This guidance outlines the agencies' expectations for sound underwriting standards and effective credit risk management practices for a financial institution's home equity lending activity. # # # Attachment (43 KB PDF) Media Contacts: Federal Reserve Susan Stawick (202) 452-2955 FDIC David Barr (202) 898-6992 OCC Kevin Mukri (202) 874-5770 OTS Erin Hickman (202) 906-6677 NCUA Cherie Umbel (703) 518-6330 2005 Banking and consumer regulatory policy Home | News and events Accessibility Last update: May 16, 2005
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Before You Buy House Plans - What you need to know You are here: About > Home & Garden > Architecture > Find Products & Services > Building Plans > How To Select House Plans > Before You Buy House Plans - What you need to know Home & Garden Architecture Essentials Architecture Basics About Your House School & Career FAQ Research Guide ASK US Articles & Resources Design & Build Remodel & Restore Find Products & Services Research Your Home Great Buildings Famous Architects Construction Facts Periods & Styles Theories & Approaches Health & Environment Cities & Landscapes Travel & Museums School & Career Lessons & Activities Reference Tools Buyer's Guide Great Architecture Gifts Fun Gifts For Guys Frank Lloyd Wright Gifts House Plans Home Design Software Forums Help FREE Newsletter Sign Up Now for the Architecture newsletter! See Online Courses Search Architecture Stay up to date! Email to a friend Print this page Suggested Reading Find Plans For Your Dream Home House Plans Library What is a "Floor Plan"? What are "Stock Plans"? Related Guide Picks Before You Build Before You Remodel Most Popular Home Design Software Programs House Styles and Home Architecture Picking House Colors Craftsman Bungalow House Style Tools to Help You Choose Ho... What's Hot Do Buildings Have Sex 4 Ways of Perceiving Building Contract Home Design Trends Bungalow Floor Plans - Sears - Modern Home No. c250, The Ash... Architecture - Articles Related Topics Art History Construction Industry Interior Decorating Home Repair Archaeology Before You Buy House Plans From Jackie Craven , Your Guide to Architecture . FREE Newsletter. Sign Up Now! Every new home begins with a plan. Some homebuyers hire an architect to create a custom design. Others purchase stock plans from a building plans publisher. Which option is right for you? Begin your search by exploring these five options. Browse Through Catalogs You will find thousands of stock building plans in hefty catalogs which include floor plans and elevation drawings. If you see a house you like, you can order complete construction drawings. • Top House Plan Collections Surf The Web Many house plan publishers have Web sites with powerful search engines to help you find plans for the size and style you seek. Listed here are our favorites. • House Plan Publishers on the Web Go Back In Time Do you favor the old, traditional styles? Why not look at the original building plans used in days gone by? These plans won't have the detailed specifications you need to construct your home, but they are a good starting place for recreating historic designs.
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