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September 2025

EXCLUSIVE RESEARCH: The mortgage lender’s conundrum behind tech decisions

Editorial Research, Mortgage technology, Originations, Technology /

In today’s digital age, lenders are keenly aware of the value in maintaining essential mortgage technology systems, but expenses that hold back some from moving forward on upgrades and improvements can cause future financial pain. Having strong, reliable and new tools is top of mind at many lenders, but the decision-making behind applying changes isn’t […]

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Pacaso gets funding for non-QM co-borrower securitizations

Pacaso gets funding for non-QM co-borrower securitizations

Capital markets, LOAN PRODUCTS, Mortgage technology, Secondary markets, Servicing /

Financial technology firm Pacaso has closed on a revolving credit facility it will use to enable sales of 30-year second-home mortgages with co-borrowers into the securitized market. The $100 million facility from Texas Capital Bank will fund Pacaso’s purchases of the mortgages, which have an initial five-year interest-only period. It also will accommodate inclusion of

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Mortgage bonds are finding ready buyers in REITs flush with cash

Capital markets, Secondary markets /

Mortgage REITs are snapping up bonds backed by US home loans at a pace last seen before the pandemic, taking advantage of relatively cheap valuations and rallies in their own shares that helped them raise fresh cash. These real estate investment trusts are expected to buy about $30 billion of mortgage debt securities on a

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Here’s why non-QM earned its place at the mortgage dinner table

Contributors, Mortgage, Non-QM, Opinion, Origination, Refinancing /

The non-qualified mortgage market has experienced significant growth since its introduction nearly a decade ago. 10 years in, credit ratings agencies regularly release performance metrics for investors, which provide remarkable insight into this extremely versatile asset class. In a recent default study on non-QM performance over the years, for example, KBRA analysts note that non-QM

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$67K to sell a home? Consumers drastically underestimate the costs

Affordability, Data & Visuals, Existing home sales, Home Prices, Home Sales, Housing Market, HWmember, National Association of Realtors /

Home sellers expect to spend about $18,500 on expenses, but the actual cost is more than $67,000, according to a new report from Clever Offers, a platform owned by Clever Real Estate. The report found that on average, recent sellers spent: $21,024 on pre- and post-listing repairs and improvements $14,204 on seller’s agent commission $13,691

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Household income climbs in some big cities, outweighed by inflation in others

Affordability, California, Data & Visuals, Florida, Home Price Appreciation, Home Prices, Housing Market, HWmember, Inflation, Minneapolis, Minnesota, SmartAsset, Tampa /

Household income in the U.S. rose slightly in 2024, but the picture looks very different depending on where you live. The national median income reached $83,730 last year, up 1.3% from 2023, according to a new report from online fintech company SmartAsset. That modest increase failed to keep pace with the roughly 3% inflation rate,

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Mortgage rates go wild following Fed rate cut and Powell remarks

Federal Reserve, Housing Market, HWmember, Jobs Report, Mortgage Rates, Purchase Applications /

Mortgage rates have had a wild ride since Fed Chair Jerome Powell started talking at the Fed press event Wednesday, rising 15 basis points today. However, I think the bond market responded appropriately after the Fed meeting, and on Thursday morning. Why? Even though the Fed lowered rates, the tone of the press conference was

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ERA Real Estate launches bilingual coaching program, targets growth in Hispanic markets

Anywhere, Brokerage, ERA, Hispanic homeownership, HWmember, NAHREP, Real Estate, Real Estate Agents /

ERA Real Estate is expanding its Coached Up Program with a Spanish-language component, part of a broader strategy to reach Spanish-speaking market segments while growing its national footprint. The program — led by brand president Alex Vidal — delivers training in English first, then offers Spanish sessions to support Hispanic agents and clients. “What we

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NAR Technology Survey finds AI gaining traction with Realtors

Agent, Artificial Intelligence, ChatGPT, CRM, Cryptocurrency, HWmember, Lead Generation, National Association of Realtors, Real Estate, Technology /

While it may seem that the real estate industry is constantly overwhelmed by new technology tools, the most popular tool among Realtors remains eSignature, according to the National Association of Realtors’ (NAR) 2025 Technology Survey released Thursday.  NAR’s data showed that 79% of survey respondents use eSignature, closely followed by the 75% who reported using

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Trump asks Supreme Court to uphold firing of Fed governor Cook

Federal Reserve, HWmember, Lawsuit, Mortgage, Politics, Regulatory, Supreme Court, Trump administration /

The Trump administration asked the Supreme Court on Thursday to issue an emergency order that would allow for the removal of Lisa Cook from the Federal Reserve’s board of governors. The move came after an appeals court refused to back the administration’s attempt to oust Cook earlier this week, upholding federal Judge Jia Cobb’s order last

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