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December 2025

Stress appears for consumer credit conditions

American Financial Services Association, Credit, HWmember, Interest rates, Mortgage /

The American Financial Services Association (AFSA), the nation’s oldest and largest consumer credit trade group, on Tuesday released its quarterly Consumer Credit Conditions Index. It found that AFSA members’ assessment of current conditions turned slightly negative in the third quarter of 2025. More respondents reported worsening business conditions than improving conditions, pushing the survey’s Net […]

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Coalition presses for stronger federal flood response, eyes ROAD to Housing Act

Disaster Relief, FEMA, Flood, HWmember, Kentucky, National Flood Insurance Program, Natural Disaster, Ohio, Politics, Real Estate, Regulatory, Trump administration, Virginia, West Virginia /

A new multi-state coalition is warning that worsening floods across Appalachia — and the federal government’s uneven response — are heightening risks for communities, infrastructure and real estate markets across the region. The Appalachian Flood Resilience Coalition recently convened for the first time to examine Federal Emergency Management Agency (FEMA) funding fights, stalled mitigation programs

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As rural housing costs soar, financing affordable housing remains a hurdle

Affordable housing, homebuilder, Homeownership, Low-Income Housing Tax Credit, Policy, The Builder's Daily /

America’s housing affordability crisis is an equal-opportunity phenomenon. Nowhere is this more painfully clear than in the nation’s rural communities, which quietly confront a deepening affordability gap. Financing challenges unique to rural areas pursuing affordable housing development exacerbate a growing imbalance. A new Redfin study notes that home prices in rural communities have increased faster

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Mortgage delinquencies steady in September, but there’s ‘signs of stress beneath the surface’

Cotality, Delinquencies, Foreclosure, HWmember, Mortgage /

U.S. mortgage delinquencies held steady at 3% in September 2025, unchanged from a year earlier but up slightly from 2.9% at the end of the second quarter, according to Cotality‘s newest Loan Performance Indicators report released on Tuesday. “The national delinquency rate has remained relatively stable over the past year and quarter. It is still

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New York raises senior property tax exemption to 65%

Aging in Place, HWmember, Legislation, New York, Property Tax, Reverse /

New York Gov. Kathy Hochul has signed legislation to expand property tax exemptions for seniors to up to 65% of their home’s assessed value, raising the ceiling for the first time in decades from the previous 50% cap. “No New York senior should lose their home because they can no longer afford their property taxes,”

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Zillow updates sites, apps after watchdog flags ad disclosure gaps

Agent, Brokerage, Compliance, HWmember, Real Estate, Regulatory Compliance, Trulia, Zillow /

BBB National Programs’ Digital Advertising Accountability Program (DAAP) has worked with Zillow Group to bring several of the company’s major brands into compliance with industry rules governing interest-based advertising. DAAP said it initiated a routine review of Zillow.com and detected third-party tracking activity used for targeted advertising. That prompted a broader examination of Zillow Group’s

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CrossCountry challenges court order in Gallo mortgage fraud case

CrossCountry Mortgage, HWmember, Lawsuit, Legal, Mortgage, Mortgage Fraud, New Jersey, Ohio /

CrossCountry Mortgage (CCM) filed a motion last week as it seeks to intervene in the criminal case against former loan officer Christopher Gallo, and to vacate a November court order that blocked the company’s arbitration claim against the former employee. National Mortgage News first reported the legal action. According to the Dec. 3 filing, the

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Blue Owl funds commit $2.5B to Point for home equity investments

Home Equity, Home equity loans, HWmember, LendingLife, Mortgage, Origination, Point /

Blue Owl Capital announced Tuesday that it’s making a $2.5 billion commitment in funds it manages to home equity investment (HEI) platform Point. The newss comes just one month after the companies issued the largest securitization ever completed in the HEI space. The new capital will allow Palo Alto, California-based Point to originate about $10

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FTC issues warnings to rental software firms on price transparency

Federal Trade Commission, HWmember, Legal, Real Estate, RealPage, Regulatory, Rent Prices, Rental Properties /

A week after settling a lawsuit with rental property management company Greystar, it appears the Federal Trade Commission’s (FTC) involvement in the rental property management space is not waning.  On Tuesday, the government regulator announced that it had sent letters to 13 property management software providers nationwide warning them that they may be violating the

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Can The Fed Pull Mortgage Rates Off The Ceiling?

Uncategorized /

Mortgage rates were surprisingly steady on Tuesday with most lenders roughly in line with Monday’s levels. Why surprising?  Because the bond market was noticeably weaker and bonds dictate day to day mortgage rate movement. In Tuesday’s case, we can actually reconcile the steadiness with the timing of bond market movement. Specifically, bonds didn’t lose ground

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