All Articles21 results
Showing 1–21 of 21 articles
Six keys to tuning up the $15 trillion mortgage servicing sector
The article says servicing modernization hinges on treating migration, automation, and integration as ongoing products, not one-off projects. For mortgage professionals, the implication is that AI-driven servicing can boost retention, compliance, and recapture across the full customer loop.
Consumer groups warn CFPB rollback of mortgage rules could expose borrowers
Consumer and housing groups urged the CFPB to keep TILA/RESPA mortgage protections, especially the three-day rescission right and TRID safeguards. For mortgage professionals, weaker rules could increase borrower risk and compliance uncertainty on complex loans, especially reverse mortgages.
Opinion: Why 20% down has become the exception in commercial real estate
20% down is now rare in commercial real estate because higher rates are pushing debt service coverage limits tighter. Mortgage professionals should expect borrowers to need 25% to 30% equity on many deals.
America’s accidental landlords: The hidden consequence of the mortgage lock-in effect
The mortgage lock-in effect is now pushing some homeowners to move without selling, creating accidental landlords. For mortgage pros, that means more two-home and rental-loan scenarios as rate lock-in distorts normal sales volume.
Workflow Before Technology: Why mortgage transformation starts with governance, not AI
Mortgage lenders are missing ROI on AI and automation because they buy tech before governing and mapping workflows. Bailey says process ownership and institutional knowledge must come first so mortgage professionals can avoid hidden operational risk.
What the ROAD to Housing Act means for agents, homebuyers
The ROAD to Housing Act is now law, aiming to boost supply, ease rules, expand financing, and curb some investor buying. Mortgage pros could see more listings and stronger buyer demand, improving origination opportunities.
The Agency’s Zane Burnett: AI success starts with clean data, not hype
AI success at The Agency starts with clean data and workflow fixes, not hype. For mortgage pros, the payoff is higher efficiency and better decisions, while human expertise stays essential.
The mortgage industry is on an AI binge. Let’s make the hangover optional.
Mortgage leaders are rushing into AI for efficiency and cost cuts, but the biggest risk is that governance, fair lending, and investor confidence are lagging. Mortgage professionals should adopt AI quickly, but only with controls that preserve trust and execution quality.
Expect a major shift in credit allocation as a result of lender choice
Lender choice could shift credit allocation because lenders will send the highest score, increasing adverse selection risk for Fannie and Freddie. If GSEs raise LLPAs, more borrowers in 660-740 may move to FHA and higher scores above 760 may go to private-label investors.
Better Homes and Gardens Real Estate merger creates tri-state brokerage
Better Homes and Gardens Real Estate merged three brokerages into Realty Connect, creating a 1,100-agent, 22-office tri-state firm. Mortgage professionals gain a larger regional referral and loan-opportunity network across NY, NJ, and PA.
Just don’t: Why AI-generated marketing content is a regulatory minefield for mortgage lenders
AI-generated testimonials and endorsements are a regulatory minefield for mortgage lenders. Mortgage pros should avoid synthetic marketing content because it can trigger legal and compliance risk.
Mortgage lock volume slid 9% in May, Optimal Blue reports
Optimal Blue said May mortgage lock volume fell 9% as the 30-year conforming rate rose to 6.44%. For mortgage pros, higher rates are still suppressing demand, especially refinancing, and slowing pipeline conversion.
Mortgage and real estate battle for the top of the funnel
Mortgage and real estate firms are consolidating into vertically integrated ecosystems to control consumer leads. For mortgage professionals, that means fiercer referral competition and more channel conflict as big players lock up the top of the funnel.
Real estate agents: Before you paste AI copy into the MLS, run this checklist
Real estate agents are being warned to check AI-generated listing copy before pasting it into the MLS. For mortgage professionals, this underscores the need to verify marketing content for accuracy and compliance before it reaches buyers and regulators.
How loan officers are saving deals as mortgage rates cross 6.6%
Mortgage rates have crossed 6.6%, raising pressure on borrowers and threatening deal fallout. Loan officers are preserving closings by proactively reworking terms and guiding clients through affordability hurdles.
Supreme Lending’s John Luddy on the ‘3 deadly sins’ of reverse mortgages
The article highlights John Luddy’s warning that three common reverse-mortgage mistakes can hurt borrowers and lenders. Mortgage professionals should avoid these “deadly sins” to reduce risk and protect client outcomes.
Arbor Homes’ low-$200s Arrival Series battles the affordability gap
Arbor Homes’ Arrival Series targets the affordability gap with homes priced in the low $200,000s. For mortgage professionals, that means more demand from cost-sensitive buyers and a need for financing options that fit tighter budgets.
Roomvu expands AI marketing platform for agents
Roomvu has expanded its AI marketing platform for agents. For mortgage professionals, this signals more automated, targeted client marketing tools that could improve lead generation and engagement.
AI agent aims to reshape how builders screen sites, spot deal risk
An AI agent is being developed to help builders screen sites and identify deal risk faster. For mortgage professionals, that could speed project due diligence and improve confidence in construction and development lending decisions.
Huntington & Ellis rolls out Smart by h&e to support agents in deals
Huntington & Ellis launched Smart by h&e to help agents manage deals more efficiently. For mortgage professionals, the tool could streamline transaction coordination and improve deal flow.
Does eXp’s NextHome deal signal a new brokerage trend?
eXp’s deal with NextHome may signal more brokerage consolidation as firms seek scale and stronger market reach. For mortgage professionals, this could mean working with larger, more centralized partner networks and changing referral dynamics.