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Mortgage

Arrive Home introduces new versions of its Earned Equity Program

FHA, FICO, Homeownership, HWmember, Mortgage, Non-QM /

Arrive Home has launched two new iterations of its Earned Equity Program (EEP), which helps consumers achieve homeownership through a long-term purchase contract. The program is now available through two separate products designed for different groups of borrowers: EEP Pathway and EEP DocLight.  EEP Pathway is ideally suited for individual tax identification number (ITIN) holders and […]

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CHLA offers support for Pulte’s position on FICO pricing

Community Home Lenders of America, Credit Score, FHFA, FICO, HWmember, Mortgage, Regulatory, VantageScore /

After a statement made last week in condemning the credit-score pricing practices of Fair Isaac Corp. (FICO), Federal Housing Finance Agency (FHFA) Director Bill Pulte is now being complimented for his position by the Community Home Lenders of America (CHLA). CHLA on Tuesday sent a letter to Pulte, saying that FICO “has a clear monopoly

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Supreme Lending to acquire Michigan Mutual: sources

HWmember, LendingLife, Mergers and Acquisitions, Mortgage, Origination, Retail Lending, Wholesale Lending /

Dallas-based Supreme Lending has reached a deal to acquire Michigan Mutual, Inc. (MiMutual), adding a wholesale platform and a presence in Michigan to its operations, sources told HousingWire. Founded in 1999, Supreme Lending originated $3.8 billion over the past 12 months, with most of its volume concentrated in Texas, Florida and California, according to mortgage

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NAHREP’s top Latino loan officers closed $22B in volume in 2024

California, Hispanic homeownership, HWmember, LendingLife, Loan Officer, Mortgage, NAHREP, Origination, Texas /

The National Association of Hispanic Real Estate Professionals (NAHREP) on Wednesday released its annual Top 250 Latino Mortgage Originators Report, which recognizes the nation’s top-performing Latino mortgage professionals. NAHREP received nearly 5,000 nominations and is recognizing more than 600 Latino mortgage originators this year across various national and regional rankings. Even in a high interest

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Trump: I’m taking Fannie and Freddie ‘public’ with implicit guarantee

Conservatorship, Donald Trump, Fannie Mae, FHFA, Freddie Mac, GSE Reform, GSEs, HWmember, Mortgage, Politics, Regulatory, Trump administration /

President Trump last week promised a quick answer on whether to remove Fannie Mae and Freddie Mac from government conservatorship. And it appears he’s already reached a decision: it’s time to take them ‘public.’ In a post published on Truth Social Tuesday night, Trump wrote: Our great Mortgage Agencies, Fannie Mae and Freddie Mac, provide

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Mortgage Bankers Association removes DEI pages from website

DEI, HWmember, Mortgage, Mortgage Bankers Association, Politics /

Since the new administration took over in January, government agencies have systemically rolled back federal diversity, equity, and inclusion initiatives, with the Trump administration framing the move as a way to cut costs and eliminate waste. The Mortgage Bankers Association (MBA), the largest mortgage trade group, removed several webpages related to diversity, equity, and inclusion,

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How AI is already transforming—and improving—the mortgage underwriting process

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

AI-based tools are now substantially reducing both the time and labor of routine mortgage processing. Traditional procedural steps—such as employment proofing, income verification, fraud detection and title checks—have long resulted in an unnecessarily lengthy time for a mortgage application’s approval.  But the potential benefits of the AI revolution in mortgage lending aren’t just speculation; they are

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Building an empire starts with your POS 

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

Millennial homebuyers (born between 1981 and 1996) are reshaping the real estate landscape with their strong preference for digital tools and technology-driven experiences. As the largest cohort of homebuyers in the U.S., their tech-first approach influences how properties are marketed, searched and purchased.  Here’s the hard truth. If these buyers are looking online for lenders

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DIY automation isn’t always a win: What mortgage lenders need to know

Contributors, HWmember, Mortgage, Opinion, Origination, Technology /

DIY automation pitfalls/myths: It’s time to rethink your strategy In today’s mortgage industry, nearly every organization is battling inefficiencies caused by manual processes. Whether it’s a loan officer pulling data from one system to enter it into another, or underwriting teams relying on endless email threads and spreadsheets, the day-to-day operations behind most lending workflows

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Trump’s GSE exit pursuit is complicated (and could be costly)

Department of the Treasury, Donald Trump, Fannie Mae, Freddie Mac, GSE Reform, HWmember, Keefe, Bruyette & Woods, Mortgage, Regulatory, Trump administration /

President Donald Trump’s bombshell Truth Social post on Wednesday night sent the stock prices of Fannie Mae and Freddie Mac soaring. But removing the government-sponsored enterprises (GSEs) from conservatorship after 16-plus years would be a complicated endeavor. And if they’re not removed carefully, costs for borrowers could spike. Trump’s announcement that he’s considering a public

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