Finance, HR and Loans - Residential Realty Today

It’s time we put the guardrails up and protect consumers from abusive trigger leads

Housing Wire

OCTOBER 29, 2024

When a borrower’s credit is pulled by the lender, a trigger is sent to the credit reporting agency to signal that an individual is interested in applying for home financing. This trigger lead is then repackaged and sold down the vast chain of third-party brokers–completely unbeknownst to the borrower.

HR

HR Lending Mortgages Finance

Introducing the 2025 Marketing Leaders!

Housing Wire

JUNE 2, 2025

Name Job Title Company Name Adam Solarz Vice President, Content and Brand Marketing Cotality Adrea Reed Vice President, Marketing Citywide Home Mortgage Alyssa Antoci Executive Vice President, Head of Marketing, HR, Strategy Asset Based Lending (ABL) Andrew Strickman Chief Marketing Officer New American Funding Andy Garrett Senior Director, Head of (..)

Marketing

Marketing HR Branding Brokerage

Can I Use My 401(k) to Buy a House? Yes, Here’s How

Redfin

MARCH 4, 2025

Key takeaways You can use your 401(k) to buy a home with a 401(k) loan or withdrawal. A 401(k) loan allows you to borrow the money without penalty, but you need to repay it. There are two options to consider – 401(k) loans and 401(k) withdrawals. However, youll need to pay back the loan with interest.

Debt-to-income ratio

Debt-to-income ratio Loans Pre-approval Closing costs

#615: Q&A: We Saved $1.2 Million But We’re Still Renting. Should We Buy?

Afford Anything

JUNE 10, 2025

Given our ages, net worth, and timeline for reaching work-optional status, how should we approach financing this home? I owe $350,000 on a 15-year loan at 2.75 NetSuite NetSuite is the number one cloud financial system, bringing accounting, financial management, inventory, HR, into ONE platform, and ONE source of truth.

HR

HR Short sale Property Management Finance

Equifax to cut underwriting time with IRIS Software Group

Housing Wire

SEPTEMBER 25, 2023

When a consumer applies for a home mortgage , auto loan or social service benefits, their employer is required to provide employment and income history. IRIS Software Group, one of the UK’s largest, privately held software companies, provides software solutions and services for finance, HR and payroll teams and accountancy firms.

HR

HR Finance Mortgages Loans

House passes bill to modernize VA appraisals

Housing Wire

SEPTEMBER 16, 2022

Department of Veterans Affairs mortgage loans. With the passage of HR 7735, known as the “Improving access to the VA home loan benefit Act of 2022,” the VA is now permitting desktop appraisals and in some circumstances, waiving appraisals altogether.

HR

HR Loans Finance Mortgages

Republicans look to codify tri-merge credit model into law

Housing Wire

APRIL 5, 2024

House of Representatives that would codify the “tri-merge” credit model into law, a rebuke to the Federal Housing Finance Agency (FHFA)’s recent efforts to transition to a “bi-merge” model that would require only two credit reports to be pulled instead of three.

HR

HR Finance Mortgages Design

Former G-Rate employees allege toxic work environment: Chicago Tribune

Housing Wire

JUNE 17, 2024

According to Inside Mortgage Finance (IMF) estimates, Chicago-based Guarantee Rate was the ninth-largest mortgage lender in the country in the first quarter of 2024. The lender originated $7 billion in loans from January to March, which held steady compared to the same quarter in 2023.

HR

HR Loan Officer Mortgages Loans

Introducing the 2021 HW Insiders

Housing Wire

SEPTEMBER 1, 2021

Finance of America Reverse. Senior Director of Strategic Finance. Embrace Home Loans. HR Director. Director of Strategic Finance and Analytics. Finance of America Reverse. Managing Director, Loan Operations and Transaction Management. Finance of America Mortgage. Sourcepoint. Agnes Standowicz.

HR

HR Technology Finance Lending

Despite headwinds, these mortgage companies are hiring

Housing Wire

JULY 18, 2022

Purchase-focused lenders that didn’t balloon in size to capture refinancing business during the boom, in particular, are looking to hire loan officers. WesBanco Bank , the second-largest bank headquartered in West Virginia, plans to hire at about a dozen loan originators in 20 major markets this year. He’s also bringing in brokers.

Mortgages

Mortgages Banks Brokerage Loans

Are these factors creating chaos in your mortgage lending ops?

Housing Wire

JUNE 7, 2022

Few other industries must deal with the level of complexity of home finance. For example, a loan processor may use a modern LOS to order a flood certification, title report, AUS decision or data verifications, but once the order has been placed, what if the data doesn’t arrive? Challenge 3: The industry brain drain.

Lending

Lending Mortgages HR Title

Nation’s credit rating agencies are put under the SEC’s microscope

Housing Wire

FEBRUARY 15, 2022

HR Ratings de Mexico and Japan Credit Rating Agency Ltd. That definition means the MBS deals analyzed in the SEC report were limited to private-label issuances secured by prime mortgages, such as high-balance mortgages or jumbo loans, for example. market share based on loan-pool value. market share based on loan-pool value.

Residential

Residential HR Mortgages Marketing

The Ultimate Mortgage Loan Documents Checklist For First-Time Homebuyers

HomeLight

AUGUST 16, 2021

The mortgage loan process is pretty messy! We’ve made it easy by giving you a detailed checklist of key documents you can expect to collect, see, or sign for your loan. We’ve made it easy by giving you a detailed checklist of key documents you can expect to collect, see, or sign for your loan. Loan application.

Loans

Loans Mortgages Bankruptcy Purchase and sale agreement

5 Helpful Banking Tips You May Want to Try

RIS Media

FEBRUARY 26, 2021

The world of finances can feel overwhelming and sometimes even mysterious. Beyond the basics of savings and retirement funds, simple banking habits can have a surprising impact on your finances. Some banks offer special perks to their patrons when financing loans for a home, cars and other items. Split Your Paycheck .

Banks

Banks HR Finance Loans

#297: Ask Paula – Should I Househack or Pay Off My Student Loans?

Afford Anything

JANUARY 25, 2021

George is torn between paying down his student loan debt (which he deferred) or buying a househack. I’m torn between paying down my student loan debt versus buying a househack. I have a total of $130,000 in federal student loans – $26,000 in my name, and $104,000 in my parents’ names. I don’t have any revolving debt.

Loans

Loans HR FHA loan Equity

Looking to Buy in Philly or Pittsburgh? Consider Down Payment Assistance in Pennsylvania!

HomeLight

MARCH 31, 2022

With some loans requiring as little as 3% down, the initial down payment on the average home could be around $16,300. While paying for your home in cash sounds like a dream, most first-time homebuyers use a loan to buy the house. How much do you need to buy a house in Pennsylvania? This is called your down payment. Second mortgage.

Closing costs

Closing costs Loans Closing Debt-to-income ratio

#617: Q&A: We Just Had a Baby and Lost Half Our Income

Afford Anything

JUNE 17, 2025

Should they free up cash flow by paying off a car loan, or tighten up and stay the course? We also have $20,000 in federal student loans at 4 percent and a $16,000 car loan at 5.97 So, should we keep managing the current car loan while saving for the next car? We owe $390,000 on a 5.07

HR

HR Brokerage Loans As-is

#285: Ask Paula – How Can I Pay for Grad School?

Afford Anything

NOVEMBER 20, 2020

Hailey asks (at 20:12 minutes) : I purchased a duplex using a hard money loan back in March. (It It couldn’t be financed due to structural issues.) Gusto makes payroll, benefits, and HR easy for modern small businesses. Is it a bad idea to keep my savings for a downpayment in my Vanguard funds?

Hard money loan

Hard money loan HR Finance Loans

#310: Ask Paula & Joe – What Should I Do With $25,000?

Afford Anything

APRIL 7, 2021

Should they pay off their student loans, save it towards a house and starting a family, or purchase her company stock options? We have $20,000 in our emergency fund, and we have $50,000 in student loan debt with interest rates ranging from 2.5 Gusto makes payroll, benefits, and HR easy for modern small businesses. to 4 percent.

HR

HR Banks Mortgages Loans

#344: Ask Paula: I’m Bored at Work, and I’m 14 Years from Retirement; Should I Tough It Out?

Afford Anything

OCTOBER 19, 2021

I have about $81,000 invested across all of my accounts and $41,000 in student loans, which are currently in forbearance due to Covid. Gusto makes payroll, benefits, and HR easy for modern small businesses. I currently max out my Roth IRA, HSA, and 401(k). I also contribute $400/month to a taxable brokerage account.

HR

HR Banks Lending Brokerage

#350: Ask Paula: How Much Should We Spend on a Wedding?

Afford Anything

JANUARY 10, 2022

We have two mortgages, with one being a rental home, and we have a car loan at just 1.9%. Gusto makes payroll, benefits, and HR easy for modern small businesses. We are also saving $24,000 a year towards our next investment, which might be another rental home or starting a business. I also have about $40,000 in an old 403b.

HR

HR Brokerage Staging Equity

House Republicans offer counterpoints to Biden’s housing proposals

Housing Wire

MARCH 21, 2024

The first is HR 7480, known as the Disabled Veterans Housing Support Act, sponsored by Rep. The third bill, HR 5837, known as the Protecting America’s Property Rights Act, is sponsored by Rep. housing affordability challenges. Monica De La Cruz (R-Texas). Andrew Garbarino (R-N.Y.).

HR

HR Title Development Equity

7 best real estate classes in Ohio (OH) for 2024

Housing Wire

NOVEMBER 30, 2023

Business Ebooks by Industry Experts, Career Resources, Downloadable Resources, Digital Flashcards, Real Estate Glossary & Study Schedule Standard: All Basic Features + Exam Prep Edge (National and Ohio) and Pass Guarantee Value: All Standard Features + Business Building Courses Premium: All Value Features + The CE Shop 20-Hr.

Pre-approval

Pre-approval HR Inspection Finance

Senate passes VA appraisal modernization bill

Housing Wire

DECEMBER 20, 2022

Department of Veterans Affairs (VA) mortgage loans. With the passage of HR 7735, known as the “Improving access to the VA home loan benefit Act of 2022,” the VA is now permitting desktop appraisals, and in some circumstances, waiving appraisals altogether. It is expected to be signed by President Joe Biden.

HR

HR Inspection Loans Finance

#352: Ask Paula: Should I Pull Money from My Emergency Fund to Invest or Pay Off Debt?

Afford Anything

JANUARY 11, 2022

She’s torn between paying off her student loans ($30,000) or investing the money. My husband is a real estate agent, and I am a loan processor for a private mortgage company. Currently, the only debt we have is our house, our cars and my student loans. My student loans are about $30,000 at 6% interest.

Loans

Loans HR Land Mortgages

Seven Predictions for 2023: The Grime Edition

Notorious ROB

DECEMBER 19, 2022

To be fair, there were a number of big announcements, but the one I honed in on was this one: We plan to overhaul our current mortgage funnels away from third-party lead generation and toward Zillow Home Loans , and bolster our loan officers’ tools and capabilities to help the customers who come their way. Emphasis mine].

MLS

MLS Agents Pre-approval Brokerage

How Bill Pulte has reshaped FHFA and the GSEs

Housing Wire

MAY 30, 2025

A key decision maker in the federal housing apparatus, the director of the Federal Housing Finance Agency (FHFA) oversees the regulator of the government-sponsored enterprises (GSEs) and the Federal Home Loan Banks. Freddie President Michael Hutchins was named interim CEO.

HR

HR Loans Mortgages Banks

Residential Realty Today

It’s time we put the guardrails up and protect consumers from abusive trigger leads

Introducing the 2025 Marketing Leaders!

Trending Sources

Can I Use My 401(k) to Buy a House? Yes, Here’s How

#615: Q&A: We Saved $1.2 Million But We’re Still Renting. Should We Buy?

Equifax to cut underwriting time with IRIS Software Group

House passes bill to modernize VA appraisals

Republicans look to codify tri-merge credit model into law

Former G-Rate employees allege toxic work environment: Chicago Tribune

Introducing the 2021 HW Insiders

Despite headwinds, these mortgage companies are hiring

Are these factors creating chaos in your mortgage lending ops?

Nation’s credit rating agencies are put under the SEC’s microscope

The Ultimate Mortgage Loan Documents Checklist For First-Time Homebuyers

5 Helpful Banking Tips You May Want to Try

#297: Ask Paula – Should I Househack or Pay Off My Student Loans?

Looking to Buy in Philly or Pittsburgh? Consider Down Payment Assistance in Pennsylvania!

#617: Q&A: We Just Had a Baby and Lost Half Our Income

#285: Ask Paula – How Can I Pay for Grad School?

#310: Ask Paula & Joe – What Should I Do With $25,000?

#344: Ask Paula: I’m Bored at Work, and I’m 14 Years from Retirement; Should I Tough It Out?

#350: Ask Paula: How Much Should We Spend on a Wedding?

House Republicans offer counterpoints to Biden’s housing proposals

7 best real estate classes in Ohio (OH) for 2024

Senate passes VA appraisal modernization bill

#352: Ask Paula: Should I Pull Money from My Emergency Fund to Invest or Pay Off Debt?

Seven Predictions for 2023: The Grime Edition

How Bill Pulte has reshaped FHFA and the GSEs

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