The path to homeownership in America has never been easy. But for many millennials — the largest generation in the U.S. workforce — it’s not just a challenge. It’s an increasingly distant goal, and the biggest obstacle standing in the way isn’t always high home prices. It’s often debt. We’ve seen a sharp rise in […]
Debt is derailing homeownership for a generation — here’s how we can fix it Read More »
The mortgage servicing industry faces significant challenges in managing cash flows efficiently. In real terms, the crux of the problem isn’t so much inefficiencies as it is transparency into the extent of the problem — in investor accounting, what you don’t know can hurt you. Lenders, investors, and borrowers are all impacted by this lack
How “Narrow AI” is transforming mortgage servicing and cash flow management Read More »
Mortgage professionals are navigating one of the most challenging origination markets in recent history. Still, cutting mortgage rates would not be the end-all solution to pacify markets that many claim it to be. While lower rates might temporarily ease borrower costs or support home purchases, they would also expose the housing industry to further risk
Will cutting rates fix the housing market? Read More »
The tight housing market of the last few years gave home sellers a substantial edge. Many buyers had to bid over a home’s asking price just to have their offers considered. That led some savvy shoppers to make all-cash offers on homes, as it offered more certainty for sellers (making those bids more appealing) and
Purchasing a home with all cash gives buyers a big advantage Read More »
Originators are entering the spring homebuying season with a set of new challenges: President Trump’s tariffs have disrupted markets, leaving an uncertain path forward in terms of housing construction and threatening homebuyers’ purchasing power. Meanwhile, the Fed has signaled a rate cut will likely be further delayed amid continued inflation concerns. In a market full
Stay the course: Why stability is a winning strategy for originators right now Read More »
The lending playbook needs an overhaul Let’s cut through the noise: The mortgage market isn’t changing; it’s already changed. Volatility is the norm, margins are squeezed within an inch of viability and borrowers expect a frictionless experience every time. If your entire business still revolves around purchase and refinance, you’re not just playing catch-up, you’re
Outdated mortgage tech is draining lenders: Here’s how to stop the bleeding Read More »
Home Equity Investment (HEI) is a relatively new option for private equity real estate investors, and one that carries significant promise. Essentially, is a secured contract where a homeowner receives cash today for a share of the home’s future value at a refinancing or sale event. Unlike a loan, there are no monthly payments or
Solving the HEI origination securitization challenge Read More »