The Housing Affordability Conversation Has a Blind Spot
The long-standing discourse surrounding housing affordability in the United States has been critically myopic, fixated almost exclusively on the initial hurdle of homeownership: down payments, mortgage rates, and inventory levels.…
The Looming Surge: Underwater Homeowners and Rising Delinquencies Point to a Significant Increase in Short Sales Over the Next 12 Months
A confluence of escalating negative equity among homeowners and a growing number of delinquent mortgage payments is setting the stage for a substantial rise in short sales over the coming…
Mortgage Bankers Association Unveils Ambitious Policy Roadmap to Tackle Housing Affordability Crisis
The Mortgage Bankers Association (MBA) has issued a comprehensive policy roadmap, "Affordability in Action: A Policy Roadmap to Lower the Cost of Owning and Renting a Home," detailing a series…
Navigating the Next Mortgage Cycle: How Lenders Can Reimagine Operations Through AI and Enhanced Employee Empowerment
This may be an unpopular opinion right now, but it’s an exciting time for the mortgage industry. Despite prevailing market-induced headwinds that have contributed to a more tempered lending environment,…
Dark Matter Technologies Elevates Key Executives to Drive AI and API Expansion
Dark Matter Technologies, a burgeoning force in the home lending technology sector, has strategically promoted three of its foundational executives to senior leadership positions, signaling a significant push towards expanding…
Housing Affordability on the Ballot: Voters in Key States Grapple with Zoning, Taxes, and Development Regulations
Housing affordability has emerged as a critical issue dominating election ballots across the United States this fall, extending beyond the typical races for state and national offices. On November 3rd,…
Navigating Disruption: A Pattern of Evolving Customer Expectations Across Industries
Over the course of a career spanning decades, I have had the distinct privilege of witnessing and participating in periods of profound transformation across a diverse array of industries. My…
Mortgage Rates Dip Below 7% as Market Reacts to Shifting Economic Landscape
The financial markets are experiencing a period of unexpected volatility, leading to a surprising possibility: mortgage rates could fall below 7% for key holiday periods, including Halloween, Thanksgiving, Christmas, and…
First Horizon Bank Sells $4.5 Billion Mortgage Portfolio Amidst Rising Interest Rates and Strategic Realignment
Tennessee-based First Horizon Bank has announced a significant strategic move to divest approximately $4.5 billion of its residential mortgage loan portfolio. The transaction, which occurred at a discount of roughly…
Compass takes CRMLS fight to court and promises to cover agent fines
Compass International Holdings has initiated a significant legal battle, filing an antitrust lawsuit against the California Regional Multiple Listing Service (CRMLS), alleging that the rules governing the nation’s second-largest Multiple…
















