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June 2025

HUD is light on reverse mortgage detail in budget justifications

Congress, Government Lending, HECM, HUD, HWmember, Mutual Mortgage Insurance Fund, Reverse, White House /

Following the release of the president’s fiscal year 2026 “skinny” budget request — and a look at the White House’s performance expectations for the Home Equity Conversion Mortgage (HECM) program — the U.S. Department of Housing and Urban Development (HUD) has released its congressional justifications document to explain the reasons for its appropriations requests. Normally, […]

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Pros see longevity for residential transition loans

ABS, RMBS, Securitization /

Real estate professionals attending a recent Morningstar | DBRS panel discussion were optimistic about the new production prospects for residential transition loans (RTL), with about 60% saying they expected positive long-term growth, and around 32% expecting flat production from the sector. The financing environment is also positive, they said. Forty-four percent of industry professionals in

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Why home equity is high but the typical house’s value fell

Originations, Servicing, Underwriting /

The slow erosion in first-quarter home equity from a year ago equates to a four-figure decline in house value, according to Cotality’s latest numbers. The new Cotality study, which follows an earlier report of home equity declines by Attom, shows the trend drove a typical house’s value down by $4,200 at the beginning of 2025

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Tech-driven homebuyer platform Realpha hits Texas

Industry News, Originations, Real Estate, REALTORS & HOMEBUILDERS /

Technology-backed real estate platform Realpha is expanding into Texas, the latest move in its attempt to establish end-to-end home buying services across the country.  Already active in Florida, Realpha rolled out its platform to the Lone Star State through an agreement with national brokerage Continental Real Estate Group, allowing it to build a customer base

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Nada fund buys 132 home equity agreements from affiliate

Housing markets, Secondary markets, Securitization /

U.S. Home Equity Fund I, a real estate investment fund managed by Nada Asset Management, has purchased 132 home equity agreements from an affiliate in an over $10 million transaction. Nada launched the fund in February of this year, with the aim of creating a diverse portfolio of HEAs, also referred to as home equity

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Home equity investment products set to soar, experts say

Home equity loans, Originations, Secondary markets /

A “perfect storm” is paving the way for growth in home equity investment contracts, with originations and secondary market activity both on the upswing for the emerging asset class, industry leaders said this week.   Tailwinds behind the product gives reason for optimism, according to Mark Ginsberg, an expert in securitized products originations at Barclays Investment

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Trigger leads bill passes in Senate

Law and legal issues, Marketing, Politics and policy, Regulation and compliance, Underwriting /

The Senate on Thursday unanimously passed bipartisan legislation to rein in trigger leads. That follows the House Financial Services Committee’s unanimous approval of  the Homebuyers Privacy Protection Act, an amendment to the Fair Credit Reporting Act, earlier in the week. The mortgage industry now awaits as lawmakers work to reconcile minor differences between the House

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Judge rejects CFPB motion to undo redlining settlement

Judge rejects CFPB motion to undo redlining settlement

Litigation, Politics and policy, Redlining, Regulation and compliance /

Bloomberg News A federal judge rejected the Trump administration’s effort to undo a redlining settlement between the Consumer Financial Protection Bureau and a Chicago mortgage lender whose CEO made comments on a talk-radio show that the agency had alleged discouraged potential Black homebuyers from applying for home loans. On Thursday, District Court Judge Franklin U.

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30-year bond sale spurs ‘sigh of relief’ after weeks of angst

Mortgage Rates, Treasury bonds /

A closely watched auction of 30-year Treasuries saw stronger-than-expected demand on Thursday, easing for now worries that investors would shun the US government’s longest maturity. The $22 billion sale followed weeks of fretting over whether spiraling budget deficits and President Donald Trump’s trade war would deter buyers from lending to the US for such a lengthy period. But it

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