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Why the fix-and-flip sector is poised for a breakout in 2026

Contributors, Fix and Flip, HWmember, Mortgage, Opinion, Real Estate Investing, Sponsored /

Despite several years of volatility in the housing market, the fix-and-flip sector — where investors rehabilitate, reposition, and upgrade residential properties — has shown resilience and is poised for meaningful growth in 2026. While only recently becoming recognized as a formal institutionally rated asset class, the underlying strategy is anything but new. For decades, local […]

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Why 2026 might finally be the year homeowners let go of their 2–3 percent rates

Contributors, Housing Market Data, HWmember, Mortgage, Mortgage Rates, Opinion /

For the last few years, many homeowners have felt like they were holding a winning hand, a two to three percent mortgage rate that seemed too good to ever give up. And honestly, who could blame them? Those rates were historic. The average 30 year fixed mortgage rate fell below 3 percent in 2020 and

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Trust is earned, not granted: The foundation of every successful mortgage relationship

Contributors, HWmember, Loan Officer, Mortgage, Opinion, Origination /

Trust is built through relationships. It is not automatic, it is not assumed, and it is never guaranteed — it is earned. Working for a well-respected company with a long history of service does not automatically make someone a Trusted Mortgage Advisor. Trust is personal. It belongs to the relationship between the loan officer and

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From military service to the built world: Why construction still struggles with accountability and visibility

Construction, Contributors, HWmember, Opinion /

Transitioning from military service to a civilian career is rarely straightforward. For me, it led to the built environment — an industry that, to my surprise, felt immediately familiar. Construction sites, development teams, and project organizations operate under pressures familiar to military units: tight timelines, limited resources, high stakes, and the need to coordinate across

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The spreadsheet trap: Why investor reporting still operates like it’s 2005

Artificial Intelligence, Contributors, HWmember, Mortgage, Opinion, Technology /

Manually updating spreadsheets. Dealing with paper jams in the printer. Remember what office life was like in 2005? If you’re feeling nostalgic, you can find many of the same practices still in place in the investor’s reporting offices of loan servicers today.  But why haven’t these offices evolved with changing technology?  It’s partly cultural, but

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Judge Valderrama’s ‘roadmap’ for successful antitrust litigation in affordable housing crisis

Affordable housing, Contributors, Housing Market, HWmember, Manufactured Housing, Opinion /

“The Court accepts as true all of the well-pleaded facts in the Complaint and draws all reasonable inferences in favor of Plaintiffs.” So said U.S. District Judge Franklin Valderrama on 12.4.2025. According to Reuters: “A group of companies that lease land for mobile homes has convinced a federal judge in Chicago to dismiss a proposed

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Why AI alone can’t maximize renovation ROI for home sellers

Agent, Contributors, HWmember, Opinion, Real Estate, real estate teams, Real Estate Technology, Renovate America, Technology /

When it comes to home renovation, it’s never been easier to pop a few images of your kitchen into an AI tool and ask it to paint the walls a new color or change the cabinets. These tools are fun and helpful for inspiration, but like an unused Pinterest board, often leave users without any

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Private lending in 2025: A market in transition

Private lending in 2025: A market in transition

Contributors, HWmember, Loan Officer, Mortgage, Opinion /

Once viewed as a niche option, private lending has rapidly entered the mainstream as more borrowers discover the speed, flexibility, and accessibility of private credit financing. But as the industry attracts new borrowers, it is also evolving with their needs, particularly in the balance between short-term and long-term loans. To understand where private lending is

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The debt crisis among younger Americans: How it is shaping homeownership — and what lenders can do

Contributors, Debt, Homeownership, HWmember, Mortgage, Opinion /

The median first-time homebuyer in the U.S. in 40 years old, which is a record high. One of the main reasons is that Millennials typically delay ownership by about 7 years, and Gen Z only have a 26% homeownership rate by their late 20s, far behind previous generations.A growing financial strain These younger Americans are

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Bank statement loans: More mortgage options for self-employed buyers and homeowners as rates ease

Contributors, HWmember, Mortgage, Non-QM, Opinion /

If you’re self-employed, paid on commission, or run a business, you already know the frustration: you can have strong cash flow, great credit, and real assets—yet a traditional mortgage can still feel like a square peg in a round hole. That’s exactly why bank statement loans exist. They’re designed for borrowers whose real income is

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