B of A: Agency MBS issuances to decline by 16% in 2027

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BREAKING — National Mortgage News reports that Bank of America expects agency MBS issuances to fall by 16% in 2027, with elevated mortgage rates continuing to suppress home sales and nudge more buyers toward all-cash transactions. The forecast points to a smaller securitization pipeline ahead, driven by the same rate environment that has already cooled origination activity across the industry.

For investors and self-employed borrowers navigating this tighter landscape, the shift carries practical weight: conventional pathways are narrowing, and liquidity strategies matter more than before. loantrust.ai works in this space through financing built for non-traditional borrowers, DSCR loans that underwrite from property cash flow rather than personal tax returns, bank-statement programs for self-employed applicants, and bridge or fix-and-flip structures for investors moving on opportunity. Each file is packaged by one licensed MLO, not routed through a call center, which means the same originator follows the loan from initial structure to closing.

A 16% contraction in agency issuance is not an abstract benchmark; it signals that the conventional market will serve fewer transactions, and the borrowers left outside that perimeter will need alternatives that do not depend on standard W-2 documentation or owner-occupied assumptions. loantrust.ai operates directly in that gap, with programs designed for rental property, new construction, and multifamily financing, and with an originator model built around continuity rather than handoffs. In a market where cash buyers gain share and securitized volume shrinks, that positioning matters because the remaining financing has to be more deliberate, not merely more available.