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Opinion

The hidden housing cost Washington can’t ignore: real estate fraud

Contributors, HWmember, Mortgage Fraud, Opinion, Real Estate, Real Estate Fraud, Title, Title insurance /

Housing affordability is usually framed through numbers: mortgage rates, housing supply, construction costs and zoning restrictions. Washington debates the numbers, and families feel the squeeze. But there is another housing cost hiding in plain sight—real estate fraud. With Congress working on bipartisan housing solutions and the State of the Union address just around the corner, it’s […]

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The rental market has entered its infrastructure era

Contributors, Housing Market, HWmember, Opinion, Rental Properties /

The next housing transition will not be defined by who builds the most units.It will be defined by who controls the rental workflow. For years, the rental conversation has centered on demand. More renters. Longer tenures. Fewer paths to homeownership. That story is familiar and by now well understood by most real estate professionals. What’s

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The hidden cost of move-in friction: Why the first 30 days can  make or break resident loyalty

Contributors, Housing Market, HWmember, Opinion, Property Management, Residential Real Estate /

With national vacancy rates hovering around 7%, property managers are under pressure to differentiate, retain residents, and operate more efficiently—all at the same time. The first 30 days of a lease are where those pressures converge. When move-in goes well, it builds trust, reduces friction, and sets the foundation for a productive resident relationship. When

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Mixed-density housing keeps expanding as affordability reaches a breaking point

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

Housing affordability – and its impact on Americans’ quality of life – is becoming a market- and generation-defining issue. Higher interest rates, constrained inventory, rising land costs, and slower wage growth have combined to push homeownership further out of reach for many, especially first-time buyers, middle-income households, and those seeking new construction. At the same

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How upfront income accuracy transforms lending

Contributors, HWmember, Income verification, Mortgage, Opinion, Origination /

Mortgage lending has a Day 28 problem. Borrowers engage with lenders on Day Zero. Expectations get set. Loan options get discussed. Confidence gets built. Then income finally receives scrutiny on Day 28—deep in underwriting, after time, money, and operational effort have already been spent. The result? Income surprises kill deals. Borrowers wait, frustrated. Lenders scramble

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Dr. Lee Davenport: Fair Housing Equalizer

Agent, Contributors, Fair Housing, Opinion, Real Estate, Real Estate Agents, Ten Minute Talks /

Featured in this episode: Dr. Lee Davenport MBA Professor & Executive Coach at HousingWire Zebulon Lowe Senior Director of the Content Studio at  HousingWire Relevant Links: Open the door to the most powerful room in housing. Join us April 27th-30th at The Gathering by HousingWire. The AI Summit on August 11th The Builder’s Daily Summit on

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Three moves lenders should take now to stay ahead of AI regulation

Artificial Intelligence, Compliance, Contributors, Dark Matter Technologies, Fair Lending, HWmember, Mortgage, Opinion, Origination, Technology /

Mortgage lenders don’t have the luxury of waiting for AI regulations to settle. While states and Washington spar over who sets the rules, lenders remain fully accountable for how artificial intelligence is used in underwriting, servicing, marketing and fraud detection. The question is no longer if AI will be regulated; it’s whether lenders are ready

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The digital future still needs title insurance and the expertise of professionals 

Artificial Intelligence, Contributors, Digital, HWmember, Opinion, Title, Title insurance /

A new year often brings renewed confidence that technology will change everything. And 2026 is no exception. Across industries, artificial intelligence is being framed as the next major force reshaping operations, customer expectations, and the way businesses evaluate risk. Real estate is at the center of that conversation, and title and settlement companies are not just on

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Looming risk for mortgage credit and MBS investors from “Lender Choice”

Looming risk for mortgage credit and MBS investors from “Lender Choice”

Contributors, Credit Score, HWmember, Mortgage, Opinion, Origination /

Since 1996 when Freddie Mac introduced the industry to the first automated underwriting system (AUS) for GSE-eligible mortgages, a borrower’s credit score has served as one of the most important predictors of mortgage delinquency.  For many years thereafter, FICO score was the sole provider of scores to both GSEs’ AUS scorecards.  The arrival of VantageScore

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Foreign investors keep U.S. real estate moving

Canada, Contributors, HWmember, Investment Properties, Investors, Mortgage Rates, Non-QM, Opinion, Real Estate /

While many of the latest conversations around the U.S. real estate market have focused on affordability and interest rates, one segment continues to move forward: foreign investors. While domestic buyers remain more cautious, investors from abroad are driving much of the transaction volume in many U.S. markets. One reason is that foreign buyers view risk,

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