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📊Mortgage Rates Roughly Unchanged Versus Friday's Lows|📊Rethink capacity: 7% rates end near-term volume hopes|💻Propertymark: Buyer demand eases as sales market remains steady|🏛️America’s accidental landlords: The hidden consequence of the mortgage lock-in effect|🤖Workflow Before Technology: Why mortgage transformation starts with governance, not AI|📊Mortgage Rates Near 1-Year Highs|💻More than 96% of investors expect a Burnham tax raid|⚖️What the ROAD to Housing Act means for agents, homebuyers|🤖The Agency’s Zane Burnett: AI success starts with clean data, not hype|📊Mortgage Rates Start New Week Flat|💻Appraisal scam leads to $65M worth of defective loans|🤝AI-Driven Investment Platform MDOTM Raises $27 Million|🤖Fiserv Embeds Personetics’ AI Platform into its Digital Banking Suite|📊Mortgage Rates Inch to Another 6-Week Low|💻Servicing costs per loan climb as policy shifts bite|⚖️The mortgage industry is on an AI binge. Let’s make the hangover optional.|🤖A surge of AI-generated lawsuits is causing servicers pain|📊Mortgage Rates Bounce Back Toward Recent Highs|🏛️Expect a major shift in credit allocation as a result of lender choice|🤝AI-mortgage broker Ralo opens, raises $2.9M of capital|🤖Rain Launches Rewards Loyalty Capability|🤖Ripple Contributes to Flutterwave’s Series E Round|📊Mortgage applications dip down as rates hold steady|🤝Better Homes and Gardens Real Estate merger creates tri-state brokerage|🤖June 2: AE, LO, servicing jobs; verification, AI automation, MERS audit, lead source products; webinars & podcasts today & tomorrow|🤖Just don’t: Why AI-generated marketing content is a regulatory minefield for mortgage lenders|📊Higher mortgage rates hurt the housing market: Bellway|📊Mortgage Rates Just a Bit Higher After Last Week's Jump|💻Where to get mortgage loan originator training|💻Mortgage lock volume slid 9% in May, Optimal Blue reports|⚖️June 6: Big retail union; vendor product news; Enforcement action update; Saturday Spotlight: Flyhomes’ BBYS for brokers|⚖️Fed's Barr: Strong bank regulation curbs nonbank risks|🏛️Verification, Non-QM Corresp., AI/POS Products; Upcoming Webcasts; Non-Agency Product News|🏛️June 8: Production mgt. job; verification, non-QM corresp., AI/POS products; upcoming webcasts; non-Agency product news|🤝Mortgage and real estate battle for the top of the funnel|🤝Temenos Acquires Swiss Wealth Management Orchestration Platform additiv|🤖Finovate Podcast Talks AI, Payments, Cannabis Banking and More!|📊Mortgage Rates Move Modestly Lower|📊Temporary Jolt From JOLTS as War Focus Remains|💻Mortgage fraud risk drops 9%; investor loans a concern|💻Onity updates reverse mortgage deal, preps share buyback|⚖️Napier AI Teams Up with Concentrix to Boost AML Compliance|⚖️Fed's Barr: Regulatory relief increased big bank profits, not lending|🏛️June 3: Servicing, AE jobs; Secondary execution, broker contest, commercial products; webinars of note; Bill Pulte’s job move?|🏛️Fannie, Freddie shares dip as Pulte's added role raises questions|🤝June 1: Servicing mgt. job; non-QM, HELOC, AI, LOS, eVault tools; gov’t loan program changes; bond investor thinking|🤝Verification, AI Automation, MERS Audit, Lead Source Products; Webinars and Training|💻FHA affirms tri-merge requirement for FICO 10T, VantageScore 4.0 rollouts|🤖Real estate agents: Before you paste AI copy into the MLS, run this checklist|💻Power Moves: Radian, Planet, Polunsky Beitel Green and others make prominent personnel decisions|🤖May 14: LO jobs; AI MBS trading, AI workflows, sub-servicing, eNote, asset-based lending tools; Colorado revamps AI law|📊How loan officers are saving deals as mortgage rates cross 6.6%|💻Christopher Waller, in hawkish pivot, joins the Fed’s anti-easing-bias camp|📊Kevin Warsh vows to lead ‘reform-oriented Federal Reserve’ during White House ceremony|📊Servicer Retention Fell in Q1, But Remains at Multi-Year Highs|💻Supreme Lending’s John Luddy on the ‘3 deadly sins’ of reverse mortgages|💻Single-family rents notch slight uptick in March|💻Gen H to cut rates by up to 30bps|💻Mortgage leaders back revised 21st Century ROAD to Housing Act|💻Title insurance industry posts bumper year in 2025|⚖️HELOC, DPA, U/W Fees Waived Products; Delinquencies Edge Higher; Conv. Conforming Changes|💻Mortgage Strategy’s Top 10 Stories: 18 May to 22 May|⚖️April Housing Inflation Data Fills in The Dots That Went Missing During The Government Shutdown|🏛️Fannie Mae raises mortgage rate forecast through 2027|📊Average mortgage rate creeps downwards, says Moneyfacts|🏛️Mortgage Rates Surge Toward 8-Month Highs|💻Ami and Imla urge broker feedback on ED&I|🤝equipifi Raises $34 Million to Build Flexible Payments Infrastructure|💻Coventry and Together to trim rates|💻IHT receipts for Apr 2026 fall to £0.7bn|🤝Arbor Homes’ low-$200s Arrival Series battles the affordability gap|💻Stamp Duty receipts down despite more homebuyers dragged into net|💻Iran war is crushing single-family home builders|💻Homeowners insurance premiums see first deceleration since 2019|⚖️CFPB purges 15 years of public data from its website|📊Mortgage rates are now on the wrong side of 6.5%|📊VantageScore Uptake Matches Expectations|💻Zombie foreclosure rates tick up in second quarter|💻Deadline extended for Mortgage Strategy Specialist Lending Awards|💻FTBs top priority for Govt support say brokers|💻Nationwide mortgage lending up 2.5%|📊May 21: U/W mgr., AE jobs; hedging, verification, servicing, QC, reverse products; Road to Housing Bill status; Jerry Seinfeld & the MBA|💻TSB and Paragon cut rates as Accord tweaks LTI rule|💻CHL hires Jenna Macey as BDM for London and the south|💻Landlord sentiment remains stable, says Landbay|💻A quarter of customers identified as vulnerable by FOS|💻Mortgage complaints fall 11% in last financial year: FOS|💻Six in 10 tenants welcome the Renters’ Rights Act, says Barclays|💻Bucks BS expands BTL and holiday let offering|💻West Oxfordshire tops list of FTB hotspots: Rightmove|💻West One boosts lending as Santander cuts rates|💻Barney Frank, key Wall Street reformer, remembered as consumer champion|💻Mortgage defect rate improves in fourth quarter|💻HUD issues blueprint for cutting red tape to spur home building|📊Fed minutes reveal inflation concerns, unease over ‘easing bias’|💻House advances sweeping housing bill with White House backing|💻Mortgage demand falls to five-week low in mid-May|🔒May 20: MI, broker jobs; Strategic partner sought; TPO non-QM, vendor strategy, cybersecurity tools; NY conference talk; Fed raise coming?|💻Comment: Time to shape the future of later-life lending|💻Landlords plan expansion despite Renters’ Rights Act|💻Average UK rent 3.5% higher over year: ONS|💻Halifax and BM Solutions cut rates as NatWest makes increases|📊Darlington BS cuts foreign currency mortgage rates 30bps|💻House prices flat over the past year, says Land Registry|💻Industry reacts to inflation fall to 2.8%|💻Over-60s property wealth is 3x value of DC pensions market|💻Blog: The industry needs more people like Nev|🤖AI uncertainty clouds office construction outlook|💻Government loans gain ground amid faltering new-home mortgage demand|🤝Two Harbors adjourns stockholder meeting, delaying vote on CrossCountry merger|💻Buyers gain leverage as downpayments drop for fourth straight quarter|💻Pending home sales rebound in April despite rising rates|💻Resilient price growth in Opportunity Zones ‘a good sign’ for broader housing market|💻Vernon BS sees sharp rise in later life lending|💻Principality Intermediaries makes mix of rate changes|🤖May 19: Lead mgt., AI mgt., construction, servicing, QC products; NY conference chatter; AI governance; LO comp is in play|💻Glenhawk hires managing director of sales and marketing|💻NatWest raises max LTI to 6.5x for high earners|💻Planning applications hit record low: Landmark|💻Developer confidence falls in Q1, says Octane Capital|💻Broker Focus: Brian Swint, mortgage adviser, Delta Mortgages|💻Rise in number of properties auctioned in April|💻Charles Street Finance hires Mather as sales manager|💻Cancelled mortgages hit record high of £8.7bn in Q1|💻Lettings market activity strengthens in April: Foxtons|💻Bucks BS lowers product fees, Accord increases rates|📊Bond market holds the cards as inflation fears spike Fed rate hike odds|💻Credit still tightening for home builders, though getting closer to easing|📊First-time homebuyers adjust to spring market as mortgage rate lock-in effect persists|💻HUD oversight failure threatens mass reverse mortgage default, $250 million FHA payout|💻Historically dismal home builder sentiment brightens in May|💻Commercial Watch: The seatbelt sign is on but the plane’s still flying|💻Monmouthshire launches new loans origination system with selected brokers|💻Last chance to enter Mortgage Strategy Specialist Lending Awards 2026|💻Rise in the number of sales agreed per estate agent: Propertymark|💻Air to provide later life lending training to Simplybiz advisers|💻Marked moves in Q1 network table|🤖HSBC launches automated remortgages|💻OMS appoints Tippett as head of delivery|💻Demand for variable rates doubles: Moneyfacts|💻Afin Bank appoints Jeffs head of product and proposition|💻House prices up 1.2% in May: Rightmove|🤖May 16: Current state of fraud; thoughts on DPA; AI governance practice and other third-party provider news; NY advice|🤖Roomvu expands AI marketing platform for agents|🤖AI agent aims to reshape how builders screen sites, spot deal risk|💻Rents slide lower amid mixed multifamily outlooks|💻Despite higher upfront costs, new homes save money over time: Realtor.com|📊BBYS, Anti-Fraud, Subservicing Products; Primer Hedging Information for MLOs; Cap. Markets Deep Dive|📊Higher Rates Hit Mortgage Apps, But Only Modestly|💻Transfer taxes still play major role in state closing cost rankings|💻IMBs extend profit streak in first quarter despite cost pressures, falling production|💻May 9: What LOs should know about DPA; hedging in this market; Louisiana’s coast; Saturday Spotlight: Fairway Home Mortgage|💻Mortgage delinquencies continue steady rise in first quarter|💻Mortgage lock volumes tumble in April, purchases salvage annual gains|💻Mortgage Strategy’s Top 10 Stories: 11 May to 15 May|⚖️Huntington & Ellis rolls out Smart by h&e to support agents in deals|⚖️May 4: Employment and transitions; Compliance, surveys, eGuides and webinars; Spector Q&A|🏛️May 15: LO jobs; HELOC, DPA, U/W fees waived products; Delinquencies edge higher; Conv. conforming changes; inflation = higher rates|📊Average mortgage rates fall despite Labour leader turmoil: Moneyfacts|🏛️Hedging and Secondary, Verification, AI, Reverse, Ops Tools; Earnings; Market Muddle|💻Tech Watch: Keeping pace when products move fast|🏛️Fannie, Freddie's latest bull says traders underpricing IPO odds|💻Nine out of 10 homebuyers want solar panels and EV charging|🤝eXp expands platform with acquisition of NextHome|🤝Does eXp’s NextHome deal signal a new brokerage trend?|💻Industry trio urge colleagues to join ED&I conversation|💻Glenhawk announces upgrades to AVMs criteria|💻The Right Mortgage & Protection Network signs up TAB|💻Runaway rents are a “national phenomenon”, says think tank|🏛️Fannie Mae predicts little change in mortgage rates for a very long time|💻Rocket sues UWM, alleging $100 million breach of bulk MSR contracts|💻Housing costs remain a major focus in Fed’s survey of U.S. households|📊Miran exits Fed as Warsh ascends and Powell lingers|⚖️Senate Republicans double down on CFPB rollbacks|🤖Newly minted Mortgage AI Council aims to level playing field for IMBs|💻CrossCountry sugars Two Harbors deal with dividend pledge|💻Foreclosures dip monthly, climb annually as housing strains persist|💻Almost a third of Brits believe Help to Buy is still available in England: David Wilson Homes|💻Housing market subdued in April: Rics|💻Offa expands direct team with four recruits|💻Economy shows surprise growth in March despite war|💻Passing the baton: NextGen 30 Under 30 mentorship programme|💻Residential and buy-to-let arrears fall again, says UK Finance|🤖One in four Brits have used AI for mortgage guidance|💻Construction output grows by 0.4% in Q1 2026: ONS|💻Rent controls would not harm landlords if tax relief returns, says JRF|🤝Two Harbors calls latest UWM acquisition offer ‘predatory’ and ‘illusory’|💻Nearly 1 in 5 mortgage purchase requests come from Gen Z applicants|📊Senate confirms Warsh to replace Powell as Fed chair|🤖Plenty of AI usage in CRE, but ‘clear market gap’ excludes it from decision-making|💻Wholesale inflation spikes to four-year high in April|💻Purchase mortgage demand stays strong as refinance share slides|🤖May 13: AI, CRM, verification, DSCR, HELOC products; Gov’t program news; Rates & inflation & borrower psychology… inflation is hot|💻Cladding, leasehold and social housing all mentioned in King’s Speech|💻Foundation relaunches BTL products and cuts rates|💻FCA names new senior execs|💻News Analysis: Purchasers turn cautious|💻TSB and West Brom cut prices by up to 26bps|💻L&G paid out £1.388bn protection claims last year|💻New home registrations fall as developers face rising costs: NHBC|💻Charles Street Finance creates field-based BDM team|💻Blog: Will RRA change how we approach lending?|💻OSB promotes Hollands to group head of intermediary sales and distribution|🤖Comment: Beware the AI veneer|💻Misconceptions around deposits still holding back FTBs: MAB|📊New prime minister might mean lower mortgage rates, says John Charcol|💻Four in 10 homes on the market don’t sell: Zoopla|💻Landbay hires McRoberts as BDM for Kent and South Coast|📊Former Fed chair offers blistering critique of Kevin Warsh’s AI outlook|💻Concentration risk emerging among newer vintage loans, FHA borrowers|💻Purchase mortgage activity holds ground in April|📊Senate confirms Kevin Warsh to Fed board with chair vote on deck|💻Mortgage credit availability retreats in April|💻CPI inflation spikes to highest level since 2023 as war impacts build|💻Air partners with Linear for later life lending expansion|💻TMW cuts rates by up to 0.20%, Gen H lifts prices|💻40% of landlords want to refinance over next 12 months|🤖May 12: LO jobs; best ex, equity, servicing, AI, valuation tools; job market’s mixed signals; purchase market dragging?|💻TML lowers rates by up to 0.35%, Kensington withdraws products|💻Paradigm adds Afin to lender panel|💻Leasehold ‘bottleneck’ sees time to exchange take 155 days|💻Second charge new business volumes grew by 20% in March: FLA|💻Stamp Duty bungs up the housing market, shadow chancellor says|💻Atom bank adds Norton Broker Services to commercial broker panel|💻Dudley BS appoints Smith as chief growth officer|💻Molo launches semi-commercial proposition|💻MT Finance hires Gregory as BDM|💻Popularity of trackers has surged since start of war in Iran|📊Fleet reintroduces zero fee and fixed fee 5-year rates, Coventry cuts prices|💻Mortgage searches down 20% in April: Twenty7tec|💻Newell appointed as head of Fiba|💻Lloyds Banking Group launches £5k deposit FTB mortgage|🏠Zillow-Redfin antitrust cases proceed as judge rejects motion to dismiss|💻Bringing facts to some mortgage market myths|💻UWM ratchets up pressure with $12.50 Two Harbors bid as shareholder meeting looms|💻Refinance share of mortgage originations hits four-year high in first quarter|💻Price declines, demand uncertainty muddy outlook for fix-and-flip investors|📊Existing-home sales stall in April as mortgage rates surge|📊Nationwide, Virgin and NatWest make rate cuts of up to 0.36%|💻News Analysis: New rental rules bring opportunity|📊May 11: MI, LO jobs; AI consulting, UAD 3.6, CRA mining, non-Agency search tools; rate cross currents but Fed probably sitting ’til ’27|💻Pallas Capital hires Dance as originator|💻Beverley BS Joins Brilliant Solutions Mortgage Club panel|💻Zephyr Homeloans launches special edition 5-year fixed range|💻Market Watch: Chaos theory? We need calm!|💻Together appoints Anderson as chief strategy officer|💻The Right Mortgage & Protection Network points to year on year growth|💻GB Bank joins BDLA|💻FTBs remain under pressure from mortgage mayhem: Moneyfacts|💻Industry Watch: Fitch, Trepp, UWM, NAMB and others grab headlines|💻U Michigan consumer sentiment survey hits lowest mark since tracking began in 1952|💻CrossCountry sweetens Two Harbors offer to $12 a share, matching UWM|📊Mortgaged home equity levels ‘relatively strong’ as seriously underwater rates rise|💻Firming labor market may bring limited relief to housing|💻Mortgage Strategy’s Top 10 Stories: 04 May to 08 May|📊May 8: LO jobs coast to coast; BBYS, anti-fraud, subservicing products; Primer hedging information for MLOs|💻Industry calls for response on equity, diversity and inclusion|📊Mortgage rate cuts stall as market adjusts to uncertainty: Moneyfacts|💻Pepper Money rejigs sales team|💻Together trims unregulated bridging rates|💻Vida Homeloans expands resi options and relaunches BTL range|💻Gatehouse added to The Right Mortgage panel|💻House prices stable in April, says Halifax|💻Money Talks – Putting Protection Viewpoint insights into action – Part 2|💻Top central bankers explain dissents, urge caution as inflation risks rise|💻Carrington strikes deal for Valon Mortgage, boosting servicing book by 800,000 loans|💻High prices for urban new builds underscore housing reform delay|💻Residential construction spending rallies in March|📊Mortgage rates hit monthly high, clouding homebuying outlook|💻Seasonal dip dings strong yearly gains in first-quarter CRE originations|💻Duncombe set to retire as part of YBS’ homes division reshuffle|🤖May 7: LO jobs; hedging & secondary, verification, AI, reverse, ops tools; earnings tell a tale; market muddle Click to teach UTmail Mail this conversation is important|💻Esteemed judging panel for Mortgage Strategy Specialist Lending Awards 26|💻Majority of landlords remain profitable with increased yields, but RRA causing concern: Aldermore|💻London £5m+ market losing momentum, says Savills|💻HSBC to cut rates as others reprice in both directions|💻Monmouthshire BS appoints Morgan as BDM for south Wales|💻Amid office sector weakness, has the sublease vacancy rate peaked?|💻As home affordability weakens, generational gaps widen|🤖Fed’s Goolsbee warns of ‘diminishing returns’ from massive AI spending|💻High rates still blocking would-be movers as home price growth cools — for now|💻Private employers defy expectations, add more than 100,000 jobs in April|💻War-driven rate pressures slowing mortgage demand|🤖May 6: VP Ops, AE jobs; TBA settlement, non-Agency, due diligence, AI, warehouse tools; How old is your house?|💻Power Moves: Rate, AnnieMac, Lower and others make notable hires|💻HUD eases environmental guidelines for FHA’s multifamily underwriting|💻Home prices keep climbing, though gains ease slightly from fourth quarter|💻CrossCountry Mortgage fires back at ‘misleading claims’ from UWM in TWO bidding battle|💻Iran war shatters real estate investor outlook|💻Sales of newly built homes jump in March|📊May 5: LO, AE jobs; Ginnie guide, borrower marketing, e-note products; AI webcast; Advocacy Week approaching|💻Scotsman Guide’s 2026 Top Women Originators hit big numbers last year|💻HUD’s mixed-immigration status proposal sees 97% opposition|💻FICO 10T outperforms VantageScore 4.0 in new mortgage default study|🤝Two Harbors roundly rejects UWM’s latest acquisition bid, cites ‘significant’ risks|💻Homebuying literacy gaps highlight rift between purchase affordability and buyer demand|💻Non-QM delinquencies ease in March on seasonal drivers|⚖️May 2: Thoughts on retaining the borrower, evaluating LO performance, and keeping policy in perspective; compliance matters!|💻UWM pitches unsolicited Two Harbors bid directly to shareholders in open letter|🤖Survey finds mortgage brokers are receptive to AI — but slow to adopt|📊Fitch says pair of Fed rate cuts still on the table for 2026|💻New home listings resilient in April despite economic volatility|💻New mortgage payments jump in March, setting back purchase affordability|📊Experts see higher floor for mortgage rates as Iran war drags on|📊May 1: LO jobs, TPO partner wanted; database mining, commercial, PPE, lead gen tools; non-Agency updates around the biz|💻Housing underbuilding weakens wealth building|💻Restoring HUD’s First Look program can expand homeownership without banning investors|💻Exponential income growth requires a shift away from small deals|💻DSCR is reshaping real estate financing in tighter credit environment|💻SOFR-based hedging gains traction in non-agency lending|💻Policy shifts revive attention on manufactured housing|💻Building strength during mortgage market slowdowns|💻An elite originator explains what separates top producers from the rest|💻Homeowners insurance premiums soar between 2021 and 2025, new study shows|🏛️Lenders begin rolling out VantageScore 4.0 for Fannie Mae and Freddie Mac loans|🏛️Refinances fuel first-quarter rebound in Freddie Mac earnings|💻PCE inflation skyrockets in March on energy supply shock|🏛️Fannie Mae earnings recover in first quarter, reflecting ‘leaner’ approach|📊Apr. 30: Cap mkts. Job; Forecasting, data, underwriting tools., credit monitoring tools; Webinars and thought leadership; STRATMOR Insights|📊Powell to stay on as Fed governor after his chair term expires in May|📊A cautious Fed leaves interest rates unchanged as Powell nears the finish line|💻Non-QM sector stabilizes in March amid deteriorating delinquency outlooks|📊Senate Banking Committee advances Warsh nomination for next Fed chair|💻Single-family housing starts spike as permits plunge in March|💻Purchase mortgage applications sustain rebound from March lows|🤖Apr. 29: CRM, verification, AI, MERS review, fee mgt., credit monitoring tools; Disaster updates; STRATMOR CD workshop|💻HUD moves to roll back gender identity protections for federal housing programs|💻USDA, HUD rescind Biden-era energy efficiency mandate|💻Broeksmit backs revised Basel III plan before House committee, calls for changes|💻CRE lending has banner year in 2025|💻Consumer sentiment treads water in April amid ongoing war impacts|💻Home price gains fade with inflation set to reheat: Case-Shiller index|💻Regional home price softening deepens in February|🤝Apr. 28: AE, LO, cap. mkts. jobs; investor, workflow, accounting, AI, DPA tools; LOs & technology during growth; Fed meeting starts|💻Ginnie Mae changes reporting policy following spike in FHA delinquency numbers|💻CHLA cautions ‘unwillingness to act boldly’ is deepening housing divides|📊Powell and Warsh to share spotlight Wednesday with Fed rate cuts likely on hold|💻House lawmakers revolt against White House restrictions on BTR investors|💻Commercial delinquencies jump in first quarter for GSEs and FHA|📊Apr. 27: POS, retention tools, Consumer direct workshop and shows; Construction psychology; Data on tap|📊Apr. 25: Thoughts on tracking construction loans; Powell/Warsh/Trump; The life of a notary; Saturday Spotlight: NEO Home Loans|💻Mortgage credit score competition is increasing. Will it lower costs?|💻MBA recommends eight ways HUD can improve multifamily MI in Opportunity Zones|💻Pair of polls point to historically dismal consumer confidence|💻Foreclosure inventory reaches highest level since 2020|📊DOJ abruptly drops criminal probe of Fed Chair Powell|⚖️Fed’s inspector general reports uptick in unresolved data security issues at CFPB|📊DOJ drops criminal probe into Fed chair Jerome Powell|💻Apr. 24: Cap. mkts, LO jobs; Retention, HELOC, digitization, secondary platform, CRA products; lottery psychology; FHA delinquencies|💻CHEP lambasts Maine regulators for new law restricting shared-equity lending|💻Coworking emerging as driver of office occupancy recovery|💻Renovation lending lingering bright spot in dour home building outlook|💻Foreclosure auction volumes hit six-year high, signaling post-pandemic normalization|📊Modest mortgage rate relief continues despite ongoing geopolitical tensions|📊VantageScore 4.0 Is a Go at the GSEs, FHA to Follow|💻Home seller profit margins sink to five-year low|🤖Apr. 23: Tech job; Specialty AI, pooling, correspondent products; Lender responsibility opinion; webcast specialty shows coming|💻Climate risks actively eroding U.S. housing markets, ICE study finds|💻The ‘stability gap’: Why a good salary is not enough to secure a mortgage|⚖️Broeksmit offers further clarity on MBA’s single-bureau credit plan|💻Real estate investor optimism fades amid geopolitical tensions and inflation resurgence|🏛️FHFA, HUD greenlight updated credit score models for federally backed mortgages|💻Home purchase cancellations jump in March as price growth slows|💻Mortgage demand bounces back as rates stabilize, inventory expands|📊Apr. 22: Hedge mgt., LO jobs; MBS execution, AI, DSCR, processing, HELOC products; Hedge funds, Treasuries, & mortgage rates|⚖️CFPB final rule unveiled, will ‘amend provisions related to disparate impact’|💻Survey reveals misconceptions deterring veterans from utilizing VA home loan benefits|💻U.S. land prices cool as builder demand softens|💻Borrowers express downpayment confusion amid affordability pressures|💻Warsh faces tough questions from Senate committee, denies Trump influence on rates|🤖Unsubscribe|📊Pending home sales climb 1.5% in March as pent-up demand defies high mortgage rates|💻Property tax shock: 64% of U.S. homeowners surprised by their house’s tax bills|📊Apr. 21: VOA, processing, DPA, non-QM, broker products; Lender 2025 volume rankings; attorneys & legal risk; assessing AVM risk|💻Maine becomes first state in U.S. to regulate home equity investment loans|📊Kevin Warsh stakes out Fed independence stance ahead of crucial Senate hearing|💻Scotsman Guide survey finds mortgage originators start the year confident, despite barriers|💻Self-storage sales surge to $5 billion in 2025 as investors chase larger portfolios|💻Outlook dims for ‘structural’ recovery in housing affordability|🤝Apr. 20: CU jobs; Best-ex, AI, servicing, borrower acquisition tools; HELOC, non-QM, client funnel products; why are markets on hold?|🤖Tips for getting credible financial planning help from AI|🤖How much can influencers with less than 10,000 followers earn?|⚖️Apr. 18: Thoughts on retaining borrowers; States are communicating on compliance; Saturday Spotlight: Kastle; memorable sales speech|🤖Apr. 17: LO, AE jobs, Dark Matter changes; mfg. DPA, QC, AI, data decisioning tools; a strained housing market; insurance/climate interview|🏛️FHFA’s Scrapped Press Conference Fires Rumor Mill|🏛️Apr. 16: LO, AE jobs; AOT, warehouse, homebuyer report, , subservicing tools; STRATMOR’s “Who Owns the Borrower?” Population trends|📊Trump threatens to fire Powell as April 21 hearing approaches to confirm Warsh as new Fed chief|⚖️Apr. 15: Western AE & mgt. jobs; TBA bidding, HELOC, DSCR, CRM, HMDA analysis, MI tools; in-person events for months to come|💻Apr. 14: AE, Ops Mgr. jobs; MERS review, TPO, virtual LO, digital ass’t, HELOC, warehouse products; Policy moves for LOs to watch|🤖Apr. 13: AI, LOS, subservicing, MERS review, fraud prevention tools; webinars; wholesale & correspondent news|📊Apr. 11: Thoughts on customer service, DPAs; Mortgage executive orders; Ginnie Mae: en fuego; Saturday Spotlight: Gershman Mortgage|💻Apr. 10: Consumer Direct, LO jobs; UAD 3.6, spec pool tools; credit report FICO program; trends for LOs to monitor|📊Warsh’s April 16 Fed chief confirmation hearing delayed|📊Purchase-Mortgage Volume Plods Along in Agency Market|📊Mortgage Brokers Spill the Beans on Credit Report Costs|🏛️Apr. 9: MLO, AE jobs; Commercial, UAD 3.6, data analysis tools; pieces on AI governance, consistency, and focusing on the basics|🤖Apr. 8: LO jobs; Mastermind Summit, property mining, AI processing tools; STRATMOR & subservicing; LOs & re-engaging clients; cease fire & rates|🤖Apr. 7: LO, AE jobs; AI ass’t, eSignature, subservicing, AI adoption products; VA servicing and loss mit update: AI news|📊Apr. 6: Corresp. jobs; BBYS, HELOC processing products; in-person events through year end; population shifts matter|💻Apr. 4: Population trends for LOs; Third party provider product news; Saturday Spotlight: Foundation Mortgage|📊High Demand for Mortgages Raises Rate, Processing Time|🤖Apr. 3: LO, U/W jobs; AI due diligence, AI guide, data mining tools; investor Agency changes; good stats to help LOs|🏛️Apr. 2: LO, AE jobs; social security, equity, processing tools; Freddie & Fannie shifts… odds of a release from conservatorship slim|📊Apr. 1: LO, AE jobs; Community dev., non-del non-QM, hedging products; credit news runs the gamut|🔒Mar. 31: AE, LO jobs; BBYS, cybersecurity, AI, AI ass’t tools; non-Agency news; STRATMOR on owning servicing; who “owns” the borrower?|⚖️2025 HMDA Data on Mortgage Lending Now Available|🤖Mar. 30: U/W, AE, LO jobs; AI/LOS, commercial products; USDA, FHA, VA changes; interviews with Lennar’s Escobar and Vesta’s Yu|📊Mar. 28: CrossCountry to buy Two Harbors; escrow interest ruling; vendor news; California MBA & advocacy; Saturday Spotlight: Flyhomes BBYS|🤖Mar. 27: LO, U/W jobs; verification, non-QM hedging tools; builder trends that impact LOs; student debt news; automation & processing|⛓️What is a crypto mortgage? And what’s the role of Fannie Mae, Coinbase, Better Mortgage?|⛓️Better Mortgage & Fannie Mae Allow Homebuyers To Use Coinbase Crypto Loans As Down Payments|⚖️Mar. 26: Sec. mktg., U/W, AE, marketing, LO jobs; BI, fraud, non-QM, HELOC products; At what point do you verify something?|📊Mar. 25: Pricing, trading mgr., U/W, broker jobs; non-QM, data source, MI checklist, pipeline valuation class tools; farewell PHH name|🤖Mar. 24: AE, LO jobs, eNote, AI, servicing, data tools; trigger lead adjustments; FICO investigation; house appreciation is complicated|🤝Mar. 23: LO jobs; subservicing, LOS, verification tools; STRATMOR on tech & borrower experience; builder M&A; rates driven by war tweet|📊Mar. 21: A dive into the UWM/TWO deal issues; credit trend papers to check out; you can’t ignore fuel costs; a nod to Chuck Norris|📊Does Rate Spike From 6% To 6.625% Derail 2026 Homebuying?|📊Mar. 20: LO jobs; Underwriting, insurance, investor reporting products; Two Harbors in play; who’s seeing early payoffs?|🏛️Mar. 19: Cap. mkts tech, U/W, LO jobs; Broker, correspondent, subservicer oversight tools IMB cost still $11k per loan; STRATMOR survey; CrossCountry deal|💻Mar. 18: Underwriting jobs; servicing, CRM, BI, QC, HELOC, TBA, title products; STRATMOR on servicing; UAD 3.6 warning; oil!|💻Mar. 17: AE jobs; Commercial, eClosing, retention, processing tools; wholesaler, corresp. news; False Claims update; MISMO standards|📊Mar. 16: Sales, mgt. jobs; Processing, bridge loan, non-QM products; news & oil prices point to a Fed hold; “tip to tail” wave|💻Mar. 14: ARM biz; DOJ/Fed, IMB/Trump, CrossCountry, Better in the news; Thoughts on staff retention; Saturday Spotlight: Flyhomes|📊Mar. 13: CFO, LO jobs; Jumbo construction investor sought; UAD 3.6, AI, processing tools; the undercurrents moving mortgage rates|🤖Mar. 12: U/W, LO, sales jobs; AI roadmap, UAD 3.6, repurchase tools; False Claims Act rumors; STRATMOR’s subservicing survey; credit trend interview|💻Mar. 11: SoFi LO jobs; fraud guard, cap. mkts. data, QC, POS products; PHH & OptiFunder name news; non-Agency product changes|🤖Mar. 10: AE jobs; BBYS, trigger lead, document generation, AI rollout tools; Pennymac’s Spector on strategy; prediction markets & rates|📊Mar. 9: Non-QM, default support, DSCR products; in-person events; Which lenders are refinancing; Rocket’s Austin Niemiec interview on Compass|⚖️Mar. 7: Economic topics & trends impacting rates and borrower psychology; Compliance & regulatory snacks; AI thoughts|📊Mar. 6: Reporting coordinator, LO jobs; Partnerships, teams sought; verification tool; company & training webinars; oil-driven inflation|📊Mortgage Rates Roughly Unchanged Versus Friday's Lows|📊Rethink capacity: 7% rates end near-term volume hopes|💻Propertymark: Buyer demand eases as sales market remains steady|🏛️America’s accidental landlords: The hidden consequence of the mortgage lock-in effect|🤖Workflow Before Technology: Why mortgage transformation starts with governance, not AI|📊Mortgage Rates Near 1-Year Highs|💻More than 96% of investors expect a Burnham tax raid|⚖️What the ROAD to Housing Act means for agents, homebuyers|🤖The Agency’s Zane Burnett: AI success starts with clean data, not hype|📊Mortgage Rates Start New Week Flat|💻Appraisal scam leads to $65M worth of defective loans|🤝AI-Driven Investment Platform MDOTM Raises $27 Million|🤖Fiserv Embeds Personetics’ AI Platform into its Digital Banking Suite|📊Mortgage Rates Inch to Another 6-Week Low|💻Servicing costs per loan climb as policy shifts bite|⚖️The mortgage industry is on an AI binge. Let’s make the hangover optional.|🤖A surge of AI-generated lawsuits is causing servicers pain|📊Mortgage Rates Bounce Back Toward Recent Highs|🏛️Expect a major shift in credit allocation as a result of lender choice|🤝AI-mortgage broker Ralo opens, raises $2.9M of capital|🤖Rain Launches Rewards Loyalty Capability|🤖Ripple Contributes to Flutterwave’s Series E Round|📊Mortgage applications dip down as rates hold steady|🤝Better Homes and Gardens Real Estate merger creates tri-state brokerage|🤖June 2: AE, LO, servicing jobs; verification, AI automation, MERS audit, lead source products; webinars & podcasts today & tomorrow|🤖Just don’t: Why AI-generated marketing content is a regulatory minefield for mortgage lenders|📊Higher mortgage rates hurt the housing market: Bellway|📊Mortgage Rates Just a Bit Higher After Last Week's Jump|💻Where to get mortgage loan originator training|💻Mortgage lock volume slid 9% in May, Optimal Blue reports|⚖️June 6: Big retail union; vendor product news; Enforcement action update; Saturday Spotlight: Flyhomes’ BBYS for brokers|⚖️Fed's Barr: Strong bank regulation curbs nonbank risks|🏛️Verification, Non-QM Corresp., AI/POS Products; Upcoming Webcasts; Non-Agency Product News|🏛️June 8: Production mgt. job; verification, non-QM corresp., AI/POS products; upcoming webcasts; non-Agency product news|🤝Mortgage and real estate battle for the top of the funnel|🤝Temenos Acquires Swiss Wealth Management Orchestration Platform additiv|🤖Finovate Podcast Talks AI, Payments, Cannabis Banking and More!|📊Mortgage Rates Move Modestly Lower|📊Temporary Jolt From JOLTS as War Focus Remains|💻Mortgage fraud risk drops 9%; investor loans a concern|💻Onity updates reverse mortgage deal, preps share buyback|⚖️Napier AI Teams Up with Concentrix to Boost AML Compliance|⚖️Fed's Barr: Regulatory relief increased big bank profits, not lending|🏛️June 3: Servicing, AE jobs; Secondary execution, broker contest, commercial products; webinars of note; Bill Pulte’s job move?|🏛️Fannie, Freddie shares dip as Pulte's added role raises questions|🤝June 1: Servicing mgt. job; non-QM, HELOC, AI, LOS, eVault tools; gov’t loan program changes; bond investor thinking|🤝Verification, AI Automation, MERS Audit, Lead Source Products; Webinars and Training|💻FHA affirms tri-merge requirement for FICO 10T, VantageScore 4.0 rollouts|🤖Real estate agents: Before you paste AI copy into the MLS, run this checklist|💻Power Moves: Radian, Planet, Polunsky Beitel Green and others make prominent personnel decisions|🤖May 14: LO jobs; AI MBS trading, AI workflows, sub-servicing, eNote, asset-based lending tools; Colorado revamps AI law|📊How loan officers are saving deals as mortgage rates cross 6.6%|💻Christopher Waller, in hawkish pivot, joins the Fed’s anti-easing-bias camp|📊Kevin Warsh vows to lead ‘reform-oriented Federal Reserve’ during White House ceremony|📊Servicer Retention Fell in Q1, But Remains at Multi-Year Highs|💻Supreme Lending’s John Luddy on the ‘3 deadly sins’ of reverse mortgages|💻Single-family rents notch slight uptick in March|💻Gen H to cut rates by up to 30bps|💻Mortgage leaders back revised 21st Century ROAD to Housing Act|💻Title insurance industry posts bumper year in 2025|⚖️HELOC, DPA, U/W Fees Waived Products; Delinquencies Edge Higher; Conv. Conforming Changes|💻Mortgage Strategy’s Top 10 Stories: 18 May to 22 May|⚖️April Housing Inflation Data Fills in The Dots That Went Missing During The Government Shutdown|🏛️Fannie Mae raises mortgage rate forecast through 2027|📊Average mortgage rate creeps downwards, says Moneyfacts|🏛️Mortgage Rates Surge Toward 8-Month Highs|💻Ami and Imla urge broker feedback on ED&I|🤝equipifi Raises $34 Million to Build Flexible Payments Infrastructure|💻Coventry and Together to trim rates|💻IHT receipts for Apr 2026 fall to £0.7bn|🤝Arbor Homes’ low-$200s Arrival Series battles the affordability gap|💻Stamp Duty receipts down despite more homebuyers dragged into net|💻Iran war is crushing single-family home builders|💻Homeowners insurance premiums see first deceleration since 2019|⚖️CFPB purges 15 years of public data from its website|📊Mortgage rates are now on the wrong side of 6.5%|📊VantageScore Uptake Matches Expectations|💻Zombie foreclosure rates tick up in second quarter|💻Deadline extended for Mortgage Strategy Specialist Lending Awards|💻FTBs top priority for Govt support say brokers|💻Nationwide mortgage lending up 2.5%|📊May 21: U/W mgr., AE jobs; hedging, verification, servicing, QC, reverse products; Road to Housing Bill status; Jerry Seinfeld & the MBA|💻TSB and Paragon cut rates as Accord tweaks LTI rule|💻CHL hires Jenna Macey as BDM for London and the south|💻Landlord sentiment remains stable, says Landbay|💻A quarter of customers identified as vulnerable by FOS|💻Mortgage complaints fall 11% in last financial year: FOS|💻Six in 10 tenants welcome the Renters’ Rights Act, says Barclays|💻Bucks BS expands BTL and holiday let offering|💻West Oxfordshire tops list of FTB hotspots: Rightmove|💻West One boosts lending as Santander cuts rates|💻Barney Frank, key Wall Street reformer, remembered as consumer champion|💻Mortgage defect rate improves in fourth quarter|💻HUD issues blueprint for cutting red tape to spur home building|📊Fed minutes reveal inflation concerns, unease over ‘easing bias’|💻House advances sweeping housing bill with White House backing|💻Mortgage demand falls to five-week low in mid-May|🔒May 20: MI, broker jobs; Strategic partner sought; TPO non-QM, vendor strategy, cybersecurity tools; NY conference talk; Fed raise coming?|💻Comment: Time to shape the future of later-life lending|💻Landlords plan expansion despite Renters’ Rights Act|💻Average UK rent 3.5% higher over year: ONS|💻Halifax and BM Solutions cut rates as NatWest makes increases|📊Darlington BS cuts foreign currency mortgage rates 30bps|💻House prices flat over the past year, says Land Registry|💻Industry reacts to inflation fall to 2.8%|💻Over-60s property wealth is 3x value of DC pensions market|💻Blog: The industry needs more people like Nev|🤖AI uncertainty clouds office construction outlook|💻Government loans gain ground amid faltering new-home mortgage demand|🤝Two Harbors adjourns stockholder meeting, delaying vote on CrossCountry merger|💻Buyers gain leverage as downpayments drop for fourth straight quarter|💻Pending home sales rebound in April despite rising rates|💻Resilient price growth in Opportunity Zones ‘a good sign’ for broader housing market|💻Vernon BS sees sharp rise in later life lending|💻Principality Intermediaries makes mix of rate changes|🤖May 19: Lead mgt., AI mgt., construction, servicing, QC products; NY conference chatter; AI governance; LO comp is in play|💻Glenhawk hires managing director of sales and marketing|💻NatWest raises max LTI to 6.5x for high earners|💻Planning applications hit record low: Landmark|💻Developer confidence falls in Q1, says Octane Capital|💻Broker Focus: Brian Swint, mortgage adviser, Delta Mortgages|💻Rise in number of properties auctioned in April|💻Charles Street Finance hires Mather as sales manager|💻Cancelled mortgages hit record high of £8.7bn in Q1|💻Lettings market activity strengthens in April: Foxtons|💻Bucks BS lowers product fees, Accord increases rates|📊Bond market holds the cards as inflation fears spike Fed rate hike odds|💻Credit still tightening for home builders, though getting closer to easing|📊First-time homebuyers adjust to spring market as mortgage rate lock-in effect persists|💻HUD oversight failure threatens mass reverse mortgage default, $250 million FHA payout|💻Historically dismal home builder sentiment brightens in May|💻Commercial Watch: The seatbelt sign is on but the plane’s still flying|💻Monmouthshire launches new loans origination system with selected brokers|💻Last chance to enter Mortgage Strategy Specialist Lending Awards 2026|💻Rise in the number of sales agreed per estate agent: Propertymark|💻Air to provide later life lending training to Simplybiz advisers|💻Marked moves in Q1 network table|🤖HSBC launches automated remortgages|💻OMS appoints Tippett as head of delivery|💻Demand for variable rates doubles: Moneyfacts|💻Afin Bank appoints Jeffs head of product and proposition|💻House prices up 1.2% in May: Rightmove|🤖May 16: Current state of fraud; thoughts on DPA; AI governance practice and other third-party provider news; NY advice|🤖Roomvu expands AI marketing platform for agents|🤖AI agent aims to reshape how builders screen sites, spot deal risk|💻Rents slide lower amid mixed multifamily outlooks|💻Despite higher upfront costs, new homes save money over time: Realtor.com|📊BBYS, Anti-Fraud, Subservicing Products; Primer Hedging Information for MLOs; Cap. Markets Deep Dive|📊Higher Rates Hit Mortgage Apps, But Only Modestly|💻Transfer taxes still play major role in state closing cost rankings|💻IMBs extend profit streak in first quarter despite cost pressures, falling production|💻May 9: What LOs should know about DPA; hedging in this market; Louisiana’s coast; Saturday Spotlight: Fairway Home Mortgage|💻Mortgage delinquencies continue steady rise in first quarter|💻Mortgage lock volumes tumble in April, purchases salvage annual gains|💻Mortgage Strategy’s Top 10 Stories: 11 May to 15 May|⚖️Huntington & Ellis rolls out Smart by h&e to support agents in deals|⚖️May 4: Employment and transitions; Compliance, surveys, eGuides and webinars; Spector Q&A|🏛️May 15: LO jobs; HELOC, DPA, U/W fees waived products; Delinquencies edge higher; Conv. conforming changes; inflation = higher rates|📊Average mortgage rates fall despite Labour leader turmoil: Moneyfacts|🏛️Hedging and Secondary, Verification, AI, Reverse, Ops Tools; Earnings; Market Muddle|💻Tech Watch: Keeping pace when products move fast|🏛️Fannie, Freddie's latest bull says traders underpricing IPO odds|💻Nine out of 10 homebuyers want solar panels and EV charging|🤝eXp expands platform with acquisition of NextHome|🤝Does eXp’s NextHome deal signal a new brokerage trend?|💻Industry trio urge colleagues to join ED&I conversation|💻Glenhawk announces upgrades to AVMs criteria|💻The Right Mortgage & Protection Network signs up TAB|💻Runaway rents are a “national phenomenon”, says think tank|🏛️Fannie Mae predicts little change in mortgage rates for a very long time|💻Rocket sues UWM, alleging $100 million breach of bulk MSR contracts|💻Housing costs remain a major focus in Fed’s survey of U.S. households|📊Miran exits Fed as Warsh ascends and Powell lingers|⚖️Senate Republicans double down on CFPB rollbacks|🤖Newly minted Mortgage AI Council aims to level playing field for IMBs|💻CrossCountry sugars Two Harbors deal with dividend pledge|💻Foreclosures dip monthly, climb annually as housing strains persist|💻Almost a third of Brits believe Help to Buy is still available in England: David Wilson Homes|💻Housing market subdued in April: Rics|💻Offa expands direct team with four recruits|💻Economy shows surprise growth in March despite war|💻Passing the baton: NextGen 30 Under 30 mentorship programme|💻Residential and buy-to-let arrears fall again, says UK Finance|🤖One in four Brits have used AI for mortgage guidance|💻Construction output grows by 0.4% in Q1 2026: ONS|💻Rent controls would not harm landlords if tax relief returns, says JRF|🤝Two Harbors calls latest UWM acquisition offer ‘predatory’ and ‘illusory’|💻Nearly 1 in 5 mortgage purchase requests come from Gen Z applicants|📊Senate confirms Warsh to replace Powell as Fed chair|🤖Plenty of AI usage in CRE, but ‘clear market gap’ excludes it from decision-making|💻Wholesale inflation spikes to four-year high in April|💻Purchase mortgage demand stays strong as refinance share slides|🤖May 13: AI, CRM, verification, DSCR, HELOC products; Gov’t program news; Rates & inflation & borrower psychology… inflation is hot|💻Cladding, leasehold and social housing all mentioned in King’s Speech|💻Foundation relaunches BTL products and cuts rates|💻FCA names new senior execs|💻News Analysis: Purchasers turn cautious|💻TSB and West Brom cut prices by up to 26bps|💻L&G paid out £1.388bn protection claims last year|💻New home registrations fall as developers face rising costs: NHBC|💻Charles Street Finance creates field-based BDM team|💻Blog: Will RRA change how we approach lending?|💻OSB promotes Hollands to group head of intermediary sales and distribution|🤖Comment: Beware the AI veneer|💻Misconceptions around deposits still holding back FTBs: MAB|📊New prime minister might mean lower mortgage rates, says John Charcol|💻Four in 10 homes on the market don’t sell: Zoopla|💻Landbay hires McRoberts as BDM for Kent and South Coast|📊Former Fed chair offers blistering critique of Kevin Warsh’s AI outlook|💻Concentration risk emerging among newer vintage loans, FHA borrowers|💻Purchase mortgage activity holds ground in April|📊Senate confirms Kevin Warsh to Fed board with chair vote on deck|💻Mortgage credit availability retreats in April|💻CPI inflation spikes to highest level since 2023 as war impacts build|💻Air partners with Linear for later life lending expansion|💻TMW cuts rates by up to 0.20%, Gen H lifts prices|💻40% of landlords want to refinance over next 12 months|🤖May 12: LO jobs; best ex, equity, servicing, AI, valuation tools; job market’s mixed signals; purchase market dragging?|💻TML lowers rates by up to 0.35%, Kensington withdraws products|💻Paradigm adds Afin to lender panel|💻Leasehold ‘bottleneck’ sees time to exchange take 155 days|💻Second charge new business volumes grew by 20% in March: FLA|💻Stamp Duty bungs up the housing market, shadow chancellor says|💻Atom bank adds Norton Broker Services to commercial broker panel|💻Dudley BS appoints Smith as chief growth officer|💻Molo launches semi-commercial proposition|💻MT Finance hires Gregory as BDM|💻Popularity of trackers has surged since start of war in Iran|📊Fleet reintroduces zero fee and fixed fee 5-year rates, Coventry cuts prices|💻Mortgage searches down 20% in April: Twenty7tec|💻Newell appointed as head of Fiba|💻Lloyds Banking Group launches £5k deposit FTB mortgage|🏠Zillow-Redfin antitrust cases proceed as judge rejects motion to dismiss|💻Bringing facts to some mortgage market myths|💻UWM ratchets up pressure with $12.50 Two Harbors bid as shareholder meeting looms|💻Refinance share of mortgage originations hits four-year high in first quarter|💻Price declines, demand uncertainty muddy outlook for fix-and-flip investors|📊Existing-home sales stall in April as mortgage rates surge|📊Nationwide, Virgin and NatWest make rate cuts of up to 0.36%|💻News Analysis: New rental rules bring opportunity|📊May 11: MI, LO jobs; AI consulting, UAD 3.6, CRA mining, non-Agency search tools; rate cross currents but Fed probably sitting ’til ’27|💻Pallas Capital hires Dance as originator|💻Beverley BS Joins Brilliant Solutions Mortgage Club panel|💻Zephyr Homeloans launches special edition 5-year fixed range|💻Market Watch: Chaos theory? We need calm!|💻Together appoints Anderson as chief strategy officer|💻The Right Mortgage & Protection Network points to year on year growth|💻GB Bank joins BDLA|💻FTBs remain under pressure from mortgage mayhem: Moneyfacts|💻Industry Watch: Fitch, Trepp, UWM, NAMB and others grab headlines|💻U Michigan consumer sentiment survey hits lowest mark since tracking began in 1952|💻CrossCountry sweetens Two Harbors offer to $12 a share, matching UWM|📊Mortgaged home equity levels ‘relatively strong’ as seriously underwater rates rise|💻Firming labor market may bring limited relief to housing|💻Mortgage Strategy’s Top 10 Stories: 04 May to 08 May|📊May 8: LO jobs coast to coast; BBYS, anti-fraud, subservicing products; Primer hedging information for MLOs|💻Industry calls for response on equity, diversity and inclusion|📊Mortgage rate cuts stall as market adjusts to uncertainty: Moneyfacts|💻Pepper Money rejigs sales team|💻Together trims unregulated bridging rates|💻Vida Homeloans expands resi options and relaunches BTL range|💻Gatehouse added to The Right Mortgage panel|💻House prices stable in April, says Halifax|💻Money Talks – Putting Protection Viewpoint insights into action – Part 2|💻Top central bankers explain dissents, urge caution as inflation risks rise|💻Carrington strikes deal for Valon Mortgage, boosting servicing book by 800,000 loans|💻High prices for urban new builds underscore housing reform delay|💻Residential construction spending rallies in March|📊Mortgage rates hit monthly high, clouding homebuying outlook|💻Seasonal dip dings strong yearly gains in first-quarter CRE originations|💻Duncombe set to retire as part of YBS’ homes division reshuffle|🤖May 7: LO jobs; hedging & secondary, verification, AI, reverse, ops tools; earnings tell a tale; market muddle Click to teach UTmail Mail this conversation is important|💻Esteemed judging panel for Mortgage Strategy Specialist Lending Awards 26|💻Majority of landlords remain profitable with increased yields, but RRA causing concern: Aldermore|💻London £5m+ market losing momentum, says Savills|💻HSBC to cut rates as others reprice in both directions|💻Monmouthshire BS appoints Morgan as BDM for south Wales|💻Amid office sector weakness, has the sublease vacancy rate peaked?|💻As home affordability weakens, generational gaps widen|🤖Fed’s Goolsbee warns of ‘diminishing returns’ from massive AI spending|💻High rates still blocking would-be movers as home price growth cools — for now|💻Private employers defy expectations, add more than 100,000 jobs in April|💻War-driven rate pressures slowing mortgage demand|🤖May 6: VP Ops, AE jobs; TBA settlement, non-Agency, due diligence, AI, warehouse tools; How old is your house?|💻Power Moves: Rate, AnnieMac, Lower and others make notable hires|💻HUD eases environmental guidelines for FHA’s multifamily underwriting|💻Home prices keep climbing, though gains ease slightly from fourth quarter|💻CrossCountry Mortgage fires back at ‘misleading claims’ from UWM in TWO bidding battle|💻Iran war shatters real estate investor outlook|💻Sales of newly built homes jump in March|📊May 5: LO, AE jobs; Ginnie guide, borrower marketing, e-note products; AI webcast; Advocacy Week approaching|💻Scotsman Guide’s 2026 Top Women Originators hit big numbers last year|💻HUD’s mixed-immigration status proposal sees 97% opposition|💻FICO 10T outperforms VantageScore 4.0 in new mortgage default study|🤝Two Harbors roundly rejects UWM’s latest acquisition bid, cites ‘significant’ risks|💻Homebuying literacy gaps highlight rift between purchase affordability and buyer demand|💻Non-QM delinquencies ease in March on seasonal drivers|⚖️May 2: Thoughts on retaining the borrower, evaluating LO performance, and keeping policy in perspective; compliance matters!|💻UWM pitches unsolicited Two Harbors bid directly to shareholders in open letter|🤖Survey finds mortgage brokers are receptive to AI — but slow to adopt|📊Fitch says pair of Fed rate cuts still on the table for 2026|💻New home listings resilient in April despite economic volatility|💻New mortgage payments jump in March, setting back purchase affordability|📊Experts see higher floor for mortgage rates as Iran war drags on|📊May 1: LO jobs, TPO partner wanted; database mining, commercial, PPE, lead gen tools; non-Agency updates around the biz|💻Housing underbuilding weakens wealth building|💻Restoring HUD’s First Look program can expand homeownership without banning investors|💻Exponential income growth requires a shift away from small deals|💻DSCR is reshaping real estate financing in tighter credit environment|💻SOFR-based hedging gains traction in non-agency lending|💻Policy shifts revive attention on manufactured housing|💻Building strength during mortgage market slowdowns|💻An elite originator explains what separates top producers from the rest|💻Homeowners insurance premiums soar between 2021 and 2025, new study shows|🏛️Lenders begin rolling out VantageScore 4.0 for Fannie Mae and Freddie Mac loans|🏛️Refinances fuel first-quarter rebound in Freddie Mac earnings|💻PCE inflation skyrockets in March on energy supply shock|🏛️Fannie Mae earnings recover in first quarter, reflecting ‘leaner’ approach|📊Apr. 30: Cap mkts. Job; Forecasting, data, underwriting tools., credit monitoring tools; Webinars and thought leadership; STRATMOR Insights|📊Powell to stay on as Fed governor after his chair term expires in May|📊A cautious Fed leaves interest rates unchanged as Powell nears the finish line|💻Non-QM sector stabilizes in March amid deteriorating delinquency outlooks|📊Senate Banking Committee advances Warsh nomination for next Fed chair|💻Single-family housing starts spike as permits plunge in March|💻Purchase mortgage applications sustain rebound from March lows|🤖Apr. 29: CRM, verification, AI, MERS review, fee mgt., credit monitoring tools; Disaster updates; STRATMOR CD workshop|💻HUD moves to roll back gender identity protections for federal housing programs|💻USDA, HUD rescind Biden-era energy efficiency mandate|💻Broeksmit backs revised Basel III plan before House committee, calls for changes|💻CRE lending has banner year in 2025|💻Consumer sentiment treads water in April amid ongoing war impacts|💻Home price gains fade with inflation set to reheat: Case-Shiller index|💻Regional home price softening deepens in February|🤝Apr. 28: AE, LO, cap. mkts. jobs; investor, workflow, accounting, AI, DPA tools; LOs & technology during growth; Fed meeting starts|💻Ginnie Mae changes reporting policy following spike in FHA delinquency numbers|💻CHLA cautions ‘unwillingness to act boldly’ is deepening housing divides|📊Powell and Warsh to share spotlight Wednesday with Fed rate cuts likely on hold|💻House lawmakers revolt against White House restrictions on BTR investors|💻Commercial delinquencies jump in first quarter for GSEs and FHA|📊Apr. 27: POS, retention tools, Consumer direct workshop and shows; Construction psychology; Data on tap|📊Apr. 25: Thoughts on tracking construction loans; Powell/Warsh/Trump; The life of a notary; Saturday Spotlight: NEO Home Loans|💻Mortgage credit score competition is increasing. Will it lower costs?|💻MBA recommends eight ways HUD can improve multifamily MI in Opportunity Zones|💻Pair of polls point to historically dismal consumer confidence|💻Foreclosure inventory reaches highest level since 2020|📊DOJ abruptly drops criminal probe of Fed Chair Powell|⚖️Fed’s inspector general reports uptick in unresolved data security issues at CFPB|📊DOJ drops criminal probe into Fed chair Jerome Powell|💻Apr. 24: Cap. mkts, LO jobs; Retention, HELOC, digitization, secondary platform, CRA products; lottery psychology; FHA delinquencies|💻CHEP lambasts Maine regulators for new law restricting shared-equity lending|💻Coworking emerging as driver of office occupancy recovery|💻Renovation lending lingering bright spot in dour home building outlook|💻Foreclosure auction volumes hit six-year high, signaling post-pandemic normalization|📊Modest mortgage rate relief continues despite ongoing geopolitical tensions|📊VantageScore 4.0 Is a Go at the GSEs, FHA to Follow|💻Home seller profit margins sink to five-year low|🤖Apr. 23: Tech job; Specialty AI, pooling, correspondent products; Lender responsibility opinion; webcast specialty shows coming|💻Climate risks actively eroding U.S. housing markets, ICE study finds|💻The ‘stability gap’: Why a good salary is not enough to secure a mortgage|⚖️Broeksmit offers further clarity on MBA’s single-bureau credit plan|💻Real estate investor optimism fades amid geopolitical tensions and inflation resurgence|🏛️FHFA, HUD greenlight updated credit score models for federally backed mortgages|💻Home purchase cancellations jump in March as price growth slows|💻Mortgage demand bounces back as rates stabilize, inventory expands|📊Apr. 22: Hedge mgt., LO jobs; MBS execution, AI, DSCR, processing, HELOC products; Hedge funds, Treasuries, & mortgage rates|⚖️CFPB final rule unveiled, will ‘amend provisions related to disparate impact’|💻Survey reveals misconceptions deterring veterans from utilizing VA home loan benefits|💻U.S. land prices cool as builder demand softens|💻Borrowers express downpayment confusion amid affordability pressures|💻Warsh faces tough questions from Senate committee, denies Trump influence on rates|🤖Unsubscribe|📊Pending home sales climb 1.5% in March as pent-up demand defies high mortgage rates|💻Property tax shock: 64% of U.S. homeowners surprised by their house’s tax bills|📊Apr. 21: VOA, processing, DPA, non-QM, broker products; Lender 2025 volume rankings; attorneys & legal risk; assessing AVM risk|💻Maine becomes first state in U.S. to regulate home equity investment loans|📊Kevin Warsh stakes out Fed independence stance ahead of crucial Senate hearing|💻Scotsman Guide survey finds mortgage originators start the year confident, despite barriers|💻Self-storage sales surge to $5 billion in 2025 as investors chase larger portfolios|💻Outlook dims for ‘structural’ recovery in housing affordability|🤝Apr. 20: CU jobs; Best-ex, AI, servicing, borrower acquisition tools; HELOC, non-QM, client funnel products; why are markets on hold?|🤖Tips for getting credible financial planning help from AI|🤖How much can influencers with less than 10,000 followers earn?|⚖️Apr. 18: Thoughts on retaining borrowers; States are communicating on compliance; Saturday Spotlight: Kastle; memorable sales speech|🤖Apr. 17: LO, AE jobs, Dark Matter changes; mfg. DPA, QC, AI, data decisioning tools; a strained housing market; insurance/climate interview|🏛️FHFA’s Scrapped Press Conference Fires Rumor Mill|🏛️Apr. 16: LO, AE jobs; AOT, warehouse, homebuyer report, , subservicing tools; STRATMOR’s “Who Owns the Borrower?” Population trends|📊Trump threatens to fire Powell as April 21 hearing approaches to confirm Warsh as new Fed chief|⚖️Apr. 15: Western AE & mgt. jobs; TBA bidding, HELOC, DSCR, CRM, HMDA analysis, MI tools; in-person events for months to come|💻Apr. 14: AE, Ops Mgr. jobs; MERS review, TPO, virtual LO, digital ass’t, HELOC, warehouse products; Policy moves for LOs to watch|🤖Apr. 13: AI, LOS, subservicing, MERS review, fraud prevention tools; webinars; wholesale & correspondent news|📊Apr. 11: Thoughts on customer service, DPAs; Mortgage executive orders; Ginnie Mae: en fuego; Saturday Spotlight: Gershman Mortgage|💻Apr. 10: Consumer Direct, LO jobs; UAD 3.6, spec pool tools; credit report FICO program; trends for LOs to monitor|📊Warsh’s April 16 Fed chief confirmation hearing delayed|📊Purchase-Mortgage Volume Plods Along in Agency Market|📊Mortgage Brokers Spill the Beans on Credit Report Costs|🏛️Apr. 9: MLO, AE jobs; Commercial, UAD 3.6, data analysis tools; pieces on AI governance, consistency, and focusing on the basics|🤖Apr. 8: LO jobs; Mastermind Summit, property mining, AI processing tools; STRATMOR & subservicing; LOs & re-engaging clients; cease fire & rates|🤖Apr. 7: LO, AE jobs; AI ass’t, eSignature, subservicing, AI adoption products; VA servicing and loss mit update: AI news|📊Apr. 6: Corresp. jobs; BBYS, HELOC processing products; in-person events through year end; population shifts matter|💻Apr. 4: Population trends for LOs; Third party provider product news; Saturday Spotlight: Foundation Mortgage|📊High Demand for Mortgages Raises Rate, Processing Time|🤖Apr. 3: LO, U/W jobs; AI due diligence, AI guide, data mining tools; investor Agency changes; good stats to help LOs|🏛️Apr. 2: LO, AE jobs; social security, equity, processing tools; Freddie & Fannie shifts… odds of a release from conservatorship slim|📊Apr. 1: LO, AE jobs; Community dev., non-del non-QM, hedging products; credit news runs the gamut|🔒Mar. 31: AE, LO jobs; BBYS, cybersecurity, AI, AI ass’t tools; non-Agency news; STRATMOR on owning servicing; who “owns” the borrower?|⚖️2025 HMDA Data on Mortgage Lending Now Available|🤖Mar. 30: U/W, AE, LO jobs; AI/LOS, commercial products; USDA, FHA, VA changes; interviews with Lennar’s Escobar and Vesta’s Yu|📊Mar. 28: CrossCountry to buy Two Harbors; escrow interest ruling; vendor news; California MBA & advocacy; Saturday Spotlight: Flyhomes BBYS|🤖Mar. 27: LO, U/W jobs; verification, non-QM hedging tools; builder trends that impact LOs; student debt news; automation & processing|⛓️What is a crypto mortgage? And what’s the role of Fannie Mae, Coinbase, Better Mortgage?|⛓️Better Mortgage & Fannie Mae Allow Homebuyers To Use Coinbase Crypto Loans As Down Payments|⚖️Mar. 26: Sec. mktg., U/W, AE, marketing, LO jobs; BI, fraud, non-QM, HELOC products; At what point do you verify something?|📊Mar. 25: Pricing, trading mgr., U/W, broker jobs; non-QM, data source, MI checklist, pipeline valuation class tools; farewell PHH name|🤖Mar. 24: AE, LO jobs, eNote, AI, servicing, data tools; trigger lead adjustments; FICO investigation; house appreciation is complicated|🤝Mar. 23: LO jobs; subservicing, LOS, verification tools; STRATMOR on tech & borrower experience; builder M&A; rates driven by war tweet|📊Mar. 21: A dive into the UWM/TWO deal issues; credit trend papers to check out; you can’t ignore fuel costs; a nod to Chuck Norris|📊Does Rate Spike From 6% To 6.625% Derail 2026 Homebuying?|📊Mar. 20: LO jobs; Underwriting, insurance, investor reporting products; Two Harbors in play; who’s seeing early payoffs?|🏛️Mar. 19: Cap. mkts tech, U/W, LO jobs; Broker, correspondent, subservicer oversight tools IMB cost still $11k per loan; STRATMOR survey; CrossCountry deal|💻Mar. 18: Underwriting jobs; servicing, CRM, BI, QC, HELOC, TBA, title products; STRATMOR on servicing; UAD 3.6 warning; oil!|💻Mar. 17: AE jobs; Commercial, eClosing, retention, processing tools; wholesaler, corresp. news; False Claims update; MISMO standards|📊Mar. 16: Sales, mgt. jobs; Processing, bridge loan, non-QM products; news & oil prices point to a Fed hold; “tip to tail” wave|💻Mar. 14: ARM biz; DOJ/Fed, IMB/Trump, CrossCountry, Better in the news; Thoughts on staff retention; Saturday Spotlight: Flyhomes|📊Mar. 13: CFO, LO jobs; Jumbo construction investor sought; UAD 3.6, AI, processing tools; the undercurrents moving mortgage rates|🤖Mar. 12: U/W, LO, sales jobs; AI roadmap, UAD 3.6, repurchase tools; False Claims Act rumors; STRATMOR’s subservicing survey; credit trend interview|💻Mar. 11: SoFi LO jobs; fraud guard, cap. mkts. data, QC, POS products; PHH & OptiFunder name news; non-Agency product changes|🤖Mar. 10: AE jobs; BBYS, trigger lead, document generation, AI rollout tools; Pennymac’s Spector on strategy; prediction markets & rates|📊Mar. 9: Non-QM, default support, DSCR products; in-person events; Which lenders are refinancing; Rocket’s Austin Niemiec interview on Compass|⚖️Mar. 7: Economic topics & trends impacting rates and borrower psychology; Compliance & regulatory snacks; AI thoughts|📊Mar. 6: Reporting coordinator, LO jobs; Partnerships, teams sought; verification tool; company & training webinars; oil-driven inflation|
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AI & AUTOMATIONJuly 14, 2026
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SOFTWARE PLATFORMSJuly 14, 2026
More than 96% of investors expect a Burnham tax raid
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REGULATIONJuly 13, 2026
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M&AJuly 6, 2026
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Finovate
M&AJune 22, 2026
AI-mortgage broker Ralo opens, raises $2.9M of capital
Ralo, which claims to be the first AI mortgage broker, launched with a $2.9 million seed round backed by Y Combinator and others. It aims to automate the full mortgage process, signaling potential disintermediation of loan officers, processors and underwriters.
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AI & AUTOMATIONJune 17, 2026
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Finovate
RATE WATCHJune 17, 2026
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