Don’t let the upcoming Ginnie Mae stress tests stress you out

Ten years after the housing and mortgage-market crash and subsequent reforms, there is renewed concern about the liquidity risk in the mortgage market and Ginnie Mae has suggested a series of stress tests they will be imposing on nonbank lenders in the near future. In this environment, lenders who take a proactive, rather than reactive, approach can sleep well at night knowing they are set for success in any market conditions.