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December 2025

reAlpha acquires InstaMortgage for $8.5M to expand lending

Brokerage, Consumer Direct, HWmember, LendingLife, Mergers and Acquisitions, Mortgage, Origination /

Real estate technology company reAlpha Tech Corp. has closed a deal to acquire lender InstaMortgage Inc. for $8.5 million in a cash-and-stock transaction. The move will add direct lending capabilities and expand multi-licensing structure to reAlpha’s existing mortgage brokerage operations, the company announced Tuesday. Founded in 2008, InstaMortgage has originated more than $4 billion in […]

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Easing GSE credit score requirements raises risk concerns

Credit Score, Fannie Mae, FHFA, FICO, Freddie Mac, Mortgage, Regulatory, VantageScore /

At a time when lack of affordability is a major issue for prospective homebuyers, eliminating minimum credit score requirements in GSE automated underwriting may sound like a great idea to expand credit access. However, there’s a reason the GSEs had such requirements in place for decades. They acted as an important override against errors in the analytical

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FHFA sets 2026-2028 housing goals for GSEs

Fannie Mae, FHFA, Freddie Mac, HWmember, Mortgage, Multifamily Housing, Regulatory, Single-Family Housing /

The Federal Housing Finance Agency (FHFA) on Tuesday issued a final rule setting housing goals for Fannie Mae and Freddie Mac for 2026 through 2028, lowering benchmarks from 2025-2027 levels. The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 requires the FHFA to establish several annual housing goals for single-family and multifamily mortgages

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Realty ONE Group celebrates 20 years, sets sights on next era

Brokerage, HWmember, Real Estate, Realty ONE Group /

For Realty ONE Group founder and CEO Kuba Jewgieniew, 2025 was a special year, as it marked the 20th anniversary of his founding of the firm. “It is still a family business, supporting other family businesses and entrepreneurs with our agents and team leaders, and we really are one big family,” Jewgieniew said. “Since day

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The rise of credit solutions in lending: Why loan officers with credit tools find more success 

Contributors, HWmember, Loan Officer, Loan Processing, Opinion /

A credit report shows a score and a list of tradelines. It does not show what to do next. When qualification hinges on small swings in a score, borrowers need coaching that translates data into actions. That is where modern loan officers add the most value: not by interpreting a score in isolation, but by

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FHFA sees middle class lift in axing Biden housing goals

Fannie Mae, FHFA, Freddie Mac, Originations, Regulation and compliance /

The U.S. Federal Housing Finance Agency says its new housing goals will help more middle class families get mortgages after being disadvantaged by Biden-era quotas. Processing Content The government-sponsored enterprises could purchase notably fewer loans in minority Census tracts over the next two years, according to the regulator’s plans unveiled Tuesday. The FHFA however anticipates

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Fed chair should lower rates if the market does well, Trump says

Federal Reserve, Mortgage Rates /

Donald Trump said he expects his Federal Reserve chair to lower interest rates if the economy is doing well, the latest signal that the president is eager for a nominee committed to borrowing cost cuts as he nears an announcement of his choice to replace Jerome Powell. Processing Content “I want my new Fed Chairman

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Lawmakers launch probe into key insurance rating firm in Florida

Fannie Mae, Freddie Mac, GSEs, Homeowners insurance /

Three US senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing Fannie Mae and Freddie Mac — and ultimately taxpayers — to growing risks tied to climate-driven insurer failures. Processing Content In a letter sent Tuesday to Fannie Mae acting Chief Executive Officer Peter Akwaboah and Freddie Mac CEO Kenny Smith, the

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Realpha grows mortgage footprint through Instamortgage

Industry News, M&A, MARKETING TO BORROWERS, Mortgage technology, Originations, Technology /

Digital real estate platform Realpha will acquire Instamortgage, adding the direct lender to its growing home finance network and furthering goals to build a one-stop artificial intelligence-backed homebuying experience.  Processing Content The move by the Dublin, Ohio-based technology firm, which has origins as a home purchase and sales platform, expands the company into lending after

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