Housing Wire

JUNE 14, 2025

Right now we have elevated mortgage rates , trade war uncertainty , rising property taxes and home insurance, terrible consumer confidence data and a downgrade of the government’s debt, among other factors. Typically, mortgage rates around 6% are necessary for significant growth in the housing market.

Mortgages

Housing Wire

NOVEMBER 23, 2024

It has been almost two months since mortgage rates spiked again, and my initial thought was this would tank housing demand. We had a positive 18-week period with purchase applications before mortgage rates started rising in September. Initially, the data showed more robust performance as mortgage rates approached 6%.

Mortgages

Housing Wire

JANUARY 17, 2025

Todays housing starts data exceeded estimates; however, a closer examination of the report with the builder confidence reveals that the recent rise in mortgage rates , approaching 7.25%, has negatively affected builder sentiment. Since late 2022, our analysis indicates that mortgage rates in the 6%-6.5%

Mortgages

Housing Wire

APRIL 5, 2025

Mortgage rates recently hit a year-to-date low, coinciding with ongoing market disruptions from tariffs. In fact, if mortgage rates head toward 6%, we will have a positive year here. Last year, we saw mortgage rates increase from 6.63% to about 7.50%, leading to challenges in the purchase application data.

Mortgages

Housing Wire

MARCH 15, 2025

Earlier this year, when mortgage rates soared to 7.26%, a cloud of worry hung over the housing market many feared that home sales would tumble in 2025, fueled by concerns about inflation and tariffs. But when it seemed doom and gloom would prevail, the 10-year yield dropped, pulling mortgage rates lower in a lovely slow dance.

Mortgages

Housing Wire

MARCH 4, 2025

The pace of home sales remains near a 30-year low point as home prices and mortgage rates keep potential borrowers in wait-and-see mode. But mortgage rates have posted an unusually large decline in the past week. Mortgage pricing should be down a tad today, he said. This would be a clear headwind to any further rate cuts.

Mortgages

Housing Wire

MAY 12, 2025

What will happen to mortgage rates now that China and the U.S. This raises the question: Is the de-escalation of the trade war good for mortgage rates ? The trade deals are just one factor, but I see three possible scenarios for mortgage rates in this environment. Mortgage rates have stayed between 7.25% and 6.55%.

Mortgages

Housing Wire

MAY 29, 2025

The answer lies in a remote corner of the mortgage industry: subservicing. This business which involves handling mortgage payments, borrower communication and escrow administration on behalf of lenders has undergone consolidation. Meanwhile, MSR player Bayview Asset Managemen t is in M&A talks with Guild Mortgage.

Mortgages

Housing Wire

JANUARY 8, 2025

Heading into the 2025 housing market, we havent had this many homeowners with mortgage rates over 6% since 2016. of outstanding mortgages, around 8.7 million borrowers, carry a mortgage with an interest rate over 6%. had these cheap mortgages. People with expensive mortgages are more likely to sell their house.

Mortgages

Housing Wire

JANUARY 2, 2025

Rising mortgage rates suppressed applications in the Mortgage Bankers Association (MBA) final mortgage applications survey index of 2024, released on Thursday. Mortgage demand declined 21.9% Mortgage demand had been on the upswing for much of November and December. from two weeks earlier during the week ending Dec.

FHA loan

Housing Wire

MARCH 27, 2025

Self-branded “financial fitness” platform FinLocker announced Wednesday that it will cover 100% of the verification costs for mortgage borrowers who use lenders’ FinLocker-powered apps. This is about fundamentally transforming how the mortgage ecosystem works together.” ”

Mortgages

Housing Wire

MAY 2, 2025

Mortgage rates went up a tad today, but the spreads improved, which was a positive. Residential construction labor We’ve noticed a slight month-to-month decline, which well monitor closely as we approach 2025. Fortunately, mortgage rates have remained below 7.25% this year, which has helped mitigate potential challenges.

Mortgages

Housing Wire

FEBRUARY 3, 2025

There is constant movement in the mortgage industry with the desire for growth and expansion. Thus, it has never been more important to focus on due diligence in analyzing a mortgage industry acquisition target. Regulatory compliance The mortgage industry is heavily regulated and subject to scrutiny by both State and Federal agencies.

Due diligence

Housing Wire

OCTOBER 31, 2024

Reverse mortgage industry leader Finance of America (FOA) announced updates on Thursday to the interest rate for HomeSafe Second, its proprietary second-lien reverse mortgage product. It will also be available in four new states, bringing the total to 10 with more planned for 2025. The new states are Arizona, Nevada, Oregon and Utah.

Mortgages

Housing Wire

OCTOBER 18, 2024

Indiana-based lender Ruoff Mortgage is making a move designed to help more homeowners get into new homes with ease. Ruoff Mortgage is teaming up with fintech company Calque to offer two “buy before you sell“ programs to customers. The Trade-In Mortgage — Calque’s most popular program — functions similar to a vehicle trade-in.

Purchase and sale agreement

Housing Wire

JANUARY 3, 2025

Reverse mortgage professionals made more inroads into the forward mortgage industry in 2024. This happened through dedicated conversations, partnerships between reverse and forward mortgage companies, and expanded activities in reverse that stemmed from acquisitions and expansions of existing divisions.

Mortgages

Housing Wire

JULY 11, 2025

The post revealed that across the country, more people are starting to fall behind on their mortgages due to the post-purchase costs. Median home prices are still below the national average in Georgia, but the gap is rapidly closing as prices there jumped 65% between 2019 and 2024. Serious delinquencies for VA loans are 3.5

Mortgages

Housing Wire

AUGUST 4, 2025

ICE Mortgage Technology , part of Intercontinental Exchange Inc. , on Monday announced the integration of Freddie Mac ’s AIM Check API with the ICE Mortgage Analyzer. All documents and data stay in sync across ICE Mortgage Technology’s system, according to a press release from ICE.

Mortgages

Housing Wire

AUGUST 3, 2025

Mortgage rates fell 0.18% last week, breaking below the key threshold of 6.64%. Because in the last three years, when mortgage rates fell from 6.64% to 6%, housing demand has improved. Meanwhile, mortgage rates have varied from 7.25% to 6.50%. We need to monitor this situation closely moving forward. So, what comes next?

Mortgages

Housing Wire

APRIL 22, 2025

Today’s mortgage lending environment is shifting rapidly. However, one mortgage company is in a prime position to transform the market and deliver value to mortgage professionals. However, one mortgage company is in a prime position to transform the market and deliver value to mortgage professionals.

Lending

Housing Wire

DECEMBER 9, 2024

Although no person can truly predict mortgage rates for there are several factors involved; Industry forecasts predict interest rates will hover between 5.5% Save strategically: Even with down payment assistance, youll need some savings for earnest money and closing costs. Many sellers are offering to cover 2-3% of closing costs.

Mortgages

Housing Wire

JULY 22, 2025

Luxury real estate brokerage Douglas Elliman Real Estate has partnered with Associated Mortgage Bankers to launch an in-house mortgage platform, Elliman Capital , designed to streamline the financing process for homebuyers. said bringing the mortgage process in-house creates “convenience and oversight” to the real estate process.

Mortgages

Housing Wire

JULY 14, 2025

the parent of Guild Mortgage , has left loan officers wondering how the traditionally purchase-focused lender would integrate refinance capabilities to leverage the $770 billion servicing portfolio of soon-to-be sister company Lakeview Loan Servicing , the nation’s second-largest mortgage servicer. Bayview Asset Management ’s $1.3

Mortgages

Housing Wire

FEBRUARY 23, 2025

If this happens, will we see lower mortgage rates this spring? However, last week saw a decline in mortgage rates due to softer economic data, which led to an influx of money into the bond market as stocks sold off on Friday. If we were experiencing the worst mortgage spreads of 2023, mortgage rates would be 0.77% higher today.

Mortgages

Housing Wire

DECEMBER 27, 2024

Reverse mortgage business and mortgage business generally is not where people want it to be. That was a repeated idea shared by a group of reverse mortgage professionals when asked to assess what they see as the biggest industry challenges of the year. I think that’s true from an industry standpoint.

Industrial

Housing Wire

NOVEMBER 13, 2024

Founder and CEO Vishal Garg made a eye-popping statement when he opined that “in the next 10 years, 99% of the (mortgage) tasks will be completed by bots and 1% by humans.” “The bulk of the tasks that are required to process a mortgage are going to be performed by AI bots over the next 10 years,” Garg said in an interview with HousingWire.

Mortgages

Housing Wire

DECEMBER 23, 2024

Over the past year, members of the reverse mortgage industry have been making a more concerted effort to connect with their counterparts in the forward mortgage space. And some reverse-only companies have aimed to establish firmer ties with the much larger forward mortgage industry.

Lending

Housing Wire

APRIL 30, 2025

If the mortgage industry had a mantra at the start of last year, it was something like: Just survive to get to 2025. But now heres 2025, and its clear that mortgage rates arent falling the way wed hoped, and the market is going to take more time than we thought to find its new normal.

Mortgages

Housing Wire

JANUARY 20, 2025

This housing market is on hold until mortgage rates come down. We knew that mortgage rates over 7% were possible for the year, and here we are. I still expect well spend most of the year under 7% for the 30-year fixed rate mortgage , but until that happens, home sales are at a standstill. When will that be? I have no idea.

Sales

Housing Wire

NOVEMBER 21, 2024

Tim Nelson, a longtime reverse mortgage industry professional and reverse department manager at VIP Mortgage in Scottsdale, Arizona , spent 20 years in the home lending arena before shifting his focus entirely to reverse. Nelson is now a reverse mortgage borrower in addition to being an industry professional.

Mortgages

Housing Wire

MAY 2, 2025

mortgage lender Rate is investing in the nonqualified mortgage ( non-QM ) space by launching a new suite of products. billion in mortgages in 2024, up 15% year over year, according to Inside Mortgage Finance data. billion in mortgages in 2024, up 15% year over year, according to Inside Mortgage Finance data.

Closing

Housing Wire

APRIL 9, 2025

Department of Housing and Urban Development (HUD) Office of the Inspector General (OIG) related to the Home Equity Conversion Mortgage ( HECM ) program, there are four open recommendations according to a review by HousingWire ‘s Reverse Mortgage Daily (RMD). Three of them, however, are largely centered on the same issue.

Mortgages

Housing Wire

JULY 18, 2025

Welcome back to Tech Pulse — HousingWire ‘s weekly series rounding up the latest in technology news, including tools, integrations and trends that impact mortgage and real estate. Here’s what happened this week: Realtor.com parent Move acquires Zenlist Realtor.com parent Move Inc.

Title

Housing Wire

AUGUST 4, 2025

Our industry stands at a critical crossroads in the rapidly evolving mortgage technology landscape. Still, the future of mortgage technology demands a radical reimagining of what customer success truly means. However, true innovation extends beyond making a push-button solution or a sleek interface.

Mortgages

Housing Wire

NOVEMBER 14, 2024

With several top 10 reverse mortgage lenders now active in some form within the U.S. Executive leaders there pointed to the performance of the company’s proprietary loan products and trends in the Home Equity Conversion Mortgage ( HECM ) space as favorable.

Investor

Housing Wire

DECEMBER 18, 2024

Perhaps most importantly, some homebuilders have been subsidizing mortgage rates to help maintain employment and finish ongoing projects. This sector is closely tied to the overall economic cycle and tends to show patterns before every recession observed in recent modern history. If mortgage rates hadn’t dropped from 7.5%

Construction

Housing Wire

NOVEMBER 13, 2024

With fluctuating mortgage rates and economic pressure in the housing market, foreclosure activity ramped up in October 2024. “As we approach 2024, the recent Fed rate cut , and the new administration could impact mortgage rates and market stability. Attom released its October 2024 U.S. Foreclosure Market Report on Tuesday.

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