Housing Wire

JULY 31, 2025

HousingWire: Matt, we’ve spoken a few times recently about the work you’re doing in the customer acquisition space, and how ICE is helping lenders uncover new loan opportunities in today’s competitive market. Lenders often view borrowers differently depending on where they are in the loan journey. Can you tell us more about that?

Loans

Housing Wire

JANUARY 8, 2025

Available inventory of homes for sale fell each year as more and more borrowers had this cheap financing. These borrowers found themselves a great deal on their loan and locked themselves into really terrific cheap payments. In the Altos Research data, we track every home for sale in the country every week.

Mortgages

Housing Wire

OCTOBER 25, 2024

A new report from Zillow Home Loans outlines some key trends and factors for renters to consider when evaluating a home purchase. The for-sale market, on the other hand, is offering opportunities for buyers heading into the fall, with more than 1 in 4 sellers cutting prices. In some of the U.S.’s The typical rent is 3.4%

Pre-approval

Housing Wire

JANUARY 27, 2025

Integrated with ICEs industry-leading MSP loan servicing system , Servicing Digital provides homeowners with real-time access to detailed and personalized loan and property-related data anytime, anywhere. In fact, ICEs Mortgage Monitor data found that as of November 2024, the average U.S.

Equity

Housing Wire

JUNE 26, 2025

It follows nearly three years of borrowers being sidelined by higher rates or “stuck” in loans with historically low rates. “I have clients that bought three years ago, five years ago, and they might be sitting on, you know, $40,000, $60,000, or $75,000 in that short span of a potential equity gain. ” .

Mortgages

Housing Wire

MAY 12, 2025

Tom Davis, Chief Sales Officer at Deephaven, is helping lead that charge working with sales teams across the country to grow not just volume, but trust. From your perspective, what (big picture) conditions are driving demand for closed-end second loans, home equity loans and HELOCs right now? Homes across the U.S

Loans

Housing Wire

OCTOBER 23, 2024

On Wednesday, UWM unveiled a new cash-out refinance product —dubbed Cash-Out 90—that allows borrowers to refinance with a loan-to-value ratio of up to 89.99% without requiring mortgage insurance (MI). Loan amounts, however, cannot exceed conforming limits. UWM is simply taking a lower margin, effectively,” he added.

Equity

Housing Wire

JUNE 24, 2025

Rocket Mortgage , the home lending arm of Rocket Companies , announced Tuesday it will now offer bridge loans , a short-term financing option that helps homeowners tap into their equity while selling their current property. The maximum loan amount is $500,000. If not, borrowers can request a one-time extension. “We

Loans

Housing Wire

DECEMBER 4, 2024

The Federal Housing Administration (FHA) announced last week that the Home Equity Conversion Mortgage ( HECM ) limit for 2025 will be $1,209,750. It’s the ninth straight year that the limit will increase based on home-price appreciation levels, which feeds into a single, national limit for all HECM loans.

Mortgages

Housing Wire

OCTOBER 29, 2024

Though significant, this drop in rates has not yet resulted in a significant uptick in demand and home sales activity, which meant home price growth continued to mellow.” “This month’s release captures the time period during which rates dropped from roughly 7% to 6.35%,” Realtor.com analyst Hannah Jones said in a statement.

Mortgages

Housing Wire

MARCH 10, 2025

billion in equity. We want a customer to be able to check her phone to find out what she can afford, see which homes are just right for her, schedule a tour with a local, expert Redfin agent, and get pre-qualified for a loan, all in a matter of minutes.

Purchase and sale agreement

Housing Wire

JULY 23, 2025

This is a real achievement considering the difficult environment, with persistent high mortgage rates contributing to ongoing affordability challenges, sluggish home sales, and home prices coming under pressure in some markets.” Borrowers had an average FICO score of 737 and an average loan-to-value ratio of 51% in Q2 2025.

FHA loan

Housing Wire

JUNE 13, 2025

This is because traditional income verification requirements for government or government-sponsored loans, including those from Fannie, Freddie , or Ginnie Mae , may not be applicable. Additionally, third-party due diligence is conducted on 100% of the securitized loans, utilizing firms that have been reviewed and approved by S&P.

Due diligence

Housing Wire

FEBRUARY 3, 2025

The hits keep coming for now-defunct residential sale-leaseback platform EasyKnock. The suits accused EasyKnock of using a deceptive and unfair lending scheme to lure homeowners with poor credit, but with significant home equity, into unlawful, usurious loans known as Sell & Stay transactions.

Lending

Housing Wire

JANUARY 3, 2025

But it becomes a stronger presentation when you’re presenting different loan options. One of the loan options that Cory said makes the reverse mortgage easier to describe to potential partners is the Home Equity Conversion Mortgage ( HECM ) for Purchase (H4P).

Mortgages

Housing Wire

FEBRUARY 3, 2025

It is easy to become blinded by the end goal of increasing loan volume and quality origination talent. Material contracts There may be numerous contracts containing provisions that may trigger liability or exposure upon the sale of a business. Also, have any employees been promised future equity in the seller?

Due diligence

Housing Wire

APRIL 9, 2025

Realtors most frequently recommended repainting either the entire home or single rooms and replacing the roof as cost-effective ways to prepare a property for sale. Instead, the substantial housing equity that homeowners have built up over time enables them to invest in transforming their homes while they remain in place.

Renovation

Housing Wire

OCTOBER 28, 2024

While retaining existing customers should remain a key priority, as interest rates fluctuate, lenders should be prepared to support an increase in new business for refinances, purchases and home equity lending. Moreover, the older the loan, the more likely the borrower would refinance elsewhere.

Loan Officer

Housing Wire

FEBRUARY 11, 2025

The Oregon state senates Committee on Housing Development held a hearing last week on a piece of proposed legislation that seeks to limit the amount of equity a reverse mortgage lender can receive after the sale or transfer of a property. Senate Bill (SB) 534 is positioned primarily as a consumer protection measure.

Mortgages

Housing Wire

JANUARY 30, 2025

In this week’s episode of the Power House podcast, host and HousingWire President Diego Sanchez chats with Tom Davis , chief sales officer at Deephaven Mortgage. If you’re a loan officer, you should have a construction product that focuses on builders, developers and Realtors. Diego: Why the push into home equity ?

New Construction

Housing Wire

MAY 15, 2025

An increasingly popular homebuying strategy looks better than ever If youre a prospective or first-time homebuyer without much equity, or you didnt successfully navigate the stock market, putting in an all-cash offer can feel like a far-fetched strategy, not worthy of consideration.

Closing

Housing Wire

MAY 8, 2025

Todays best loan officers operate differently and expect more. Naturally, this means loan officers (LOs) dont work the same way anymore, either. So by the time theyve contacted an LO, theyre armed with substantial knowledge about loan products, rates and qualification requirements (or, in some cases, misinformation about the same).

Loan Officer

Housing Wire

OCTOBER 29, 2024

At HousingWire’s Mortgage Rates Center on Tuesday, the average rate for 30-year conforming loans was 6.72%. My advice for buyers is to focus on finding a house they love and try to negotiate on things they have some control over, like the sale price and home repairs,” Chen Zhao, Redfin’s economist research lead, said in the report.

Mortgages

Housing Wire

FEBRUARY 7, 2025

A bill introduced into the Oregon Senate that seeks to limit the amount of equity a reverse mortgage lender can receive after the sale or transfer of a property could potentially halt the availability of proprietary product offerings in the state. Thats just not doable.

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

MARCH 27, 2025

“Today’s home sales are skewed toward higher-end homes, and this means larger down payments from more financially prepared, high-earning buyers as entry-level and lower-earning buyers sit out.” Buyers tapped into accumulated savings and home equity to afford larger payments.

Equity

Housing Wire

APRIL 7, 2025

Whats frustrating is that home sales had been ticking up in recent weeks. Weekly pending home sales are starting to come in a couple percent above the year-ago levels. So even if home prices crash 20% across the board bigger than 2008 American homeowners will still have a ton of equity. We are underleveraged on our homes.

Marketing

Housing Wire

MAY 20, 2025

Kind Lending today announced the appointment of Geri Farr as its senior vice president of West retail sales. ” Prior to Kind Lending, Farr held several high-level positions, including Bay Equity ‘s Southwest Divisional Vice President and Nova Home Loans’ senior vice president, regional manager.

Lending

Housing Wire

APRIL 28, 2025

“We’re hiring forward to build scale, both in operations and sales. “So aside from hiring and building our sales team, we’re focusing on deepening our partnerships and developing repeat working with PennyMac. The company is deploying an “aggressive” growth strategy, Nichols said. ”

Marketing

Housing Wire

JUNE 13, 2025

Private equity giant Blackstone conducted the Stearns Lending bankruptcy process after acquiring a majority stake in parent company Stearns Holdings in 2015. These lenders recorded an average net production income of $882 per loan (20 basis points). As a group, IMBs posted a net loss of $28 per loan in the same period. “If

Mortgages

Housing Wire

JULY 23, 2025

Per Modex, a significant chunk of Stultz’s business comes from equity-rich California. The data also shows that his top reverse mortgage partners were Nationwide Equities Corp. , His loan amounts went as high as $3 million (for a home in Chula Vista, California). #3: 3: Robert Windsor, Nationwide Equities Corp.,

Mortgages

Housing Wire

NOVEMBER 5, 2024

It has an emphasis on first-time homebuyers ; purchase loans through an expanded geographic footprint and partnerships; servicing portfolio scale and retention; operating leverage quality to drive down turn times; and recruiting, developing and retaining the best talent available. Meanwhile, the company’s total revenues reached $314.6

Purchase and sale agreement

Housing Wire

DECEMBER 27, 2024

With Home Equity Conversion Mortgage (HECM) volume declining on an annual basis, many industry participants cited at least one key factor that couldve driven the decline, but the view was not universal. We’ll have those loans that come in where we have to look at every opportunity that we can to save that deal and help that client.

Industrial

Housing Wire

NOVEMBER 4, 2024

But for first-time and other cash-strapped buyers—those who are not relying on the proceeds of a home sale, who may be using a 100% financed VA loan, whose agents may be layering forms of assistance to put together enough cash for closing—knowing in advance about the seller’s contribution to their agent costs may be essential.

Debt-to-income ratio

Housing Wire

MAY 16, 2025

home sales during the first quarter of 2025. The analysis is based on Redfins national data, including home sales closed by Redfin agents, partner-agent referrals, and transactions involving Redfin-owned Bay Equity Home Loans. Buyers agents earned an average commission of 2.40% on U.S.

Agents

Housing Wire

MAY 19, 2025

Industry veteran Jesse Allen, formerly of OneTrust Home Loans and American Advisors Group (AAG) is now leading the division as its new president. Were focused on execution, getting our sales force in front of customers, and having good conversations and manufacturing the loans well.

Mortgages

Housing Wire

MAY 14, 2025

The company beat its estimates for funded loan volume, posted a profit and maintains a bullish outlook for the quarter ahead. Sales metrics and a C-suite addition Sieffert went on to say that FOA is well positioned to introduce new solutions to address additional needs.

Finance