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

NOVEMBER 13, 2024

In a new episode of “The Loan Officer Podcast,” host Dustin Owen chats with John Cornish of Iowa-based Key Mortgage Group about his path into the industry, tips for scaling a mortgage lending business and how to avoid stagnation as a loan originator. When I sold competitive products, the sales portion of it felt really easy.

Mortgages

Housing Wire

APRIL 9, 2025

Last week’s activity focused on purchase activity, which posted year-over-year growth for more than two months as for-sale inventory continues to increase steadily. The average refinance loan size jumped to its second highest in the survey at $399,600. The adjustable-rate mortgage (ARM) share of activity increased to 8.6%

Fixed-rate mortgage

Housing Wire

OCTOBER 15, 2024

It also must provide $7 million for a home loan subsidy program in majority-Black neighborhoods, and it must pay at least $1 million to serve the neighborhoods it redlined , according to the terms of the agreement released on Tuesday. billion in home loan production. million civil penalty. The company ranked No. This compared to 12.2%

Lending

Housing Wire

JULY 18, 2025

The integration streamlines mortgage closings, cuts costs for borrowers by up to 70%, and reduces loan cycle times — marking a shift toward faster software-driven title solutions for lenders and homebuyers alike. While NAF’s internal systems were not compromised, the lender has cut ties with the vendor and launched an investigation.

Title

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

MARCH 13, 2025

The share of Federal Housing Administration (FHA) loan applications hit a record high for the survey, accounting for nearly one-third of all applications. The average loan size decreased, signaling that first-time homebuyers remain active in the market, Kan said. By loan type, conventional mortgages made up 56.7%

FHA loan

Housing Wire

APRIL 28, 2025

billion deal to acquire digital real estate brokerage firm Redfin , industry observers are still trying to understand the future of one key asset: Bay Equity Home Loans. As of April 22, the platform had 272 sponsored loan officers across 90 branches, according to the Nationwide Multistate Licensing System (NMLS).

Loan Officer

Housing Wire

OCTOBER 24, 2024

But only about 17,000 delinquent loans completed the foreclosure process in the second quarter of 2024, almost one-third of the nearly 45,000 that completed the foreclosure process in Q1 2020. Often, the best available option for staying in the home is through a loan modification or some other type of repayment plan with the bank.

Bankruptcy

Housing Wire

NOVEMBER 22, 2024

The report — which included a survey of 700 home flippers — showed a decrease in the sentiment index as 17% of home flippers reported “poor sales relative to seasonal norms” from July through September. The average interest rate for a fix-and-flip loan also rose in Q3 2024 to 10%, according to Kiavi.

Investor

Housing Wire

JULY 2, 2025

Truv , a provider of direct-to-source income, employment and asset verifications, on Wednesday announced a strategic integration with Tidalwave , an AI-powered mortgage point-of-sale platform. ” Truv’s verification solution is available immediately through the integration. .

Sales

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

APRIL 28, 2025

Activity increased across all loan types except those backed by the U.S. Loans guaranteed by the U.S. The foreclosure auction sales rate properties sold to third-party buyers began the year strong but fell sharply in February to a 26-month low point before partially rebounding in March. Department of Agriculture (USDA).

Loans

Housing Wire

MAY 2, 2025

The partnership, announced this week, will give eXp Luxury agents access to the MORE Seller Bridge Loan Program a short-term seller financing option that lets sellers convert their existing low-rate mortgages into income after selling their home.

Finance

Housing Wire

MAY 14, 2025

The suite includes six separate tools: Lead Pipeline: Keeps mortgage brokers connected with past borrowers through timely mortgage activity alerts, such as when a client lists their home for sale or has their credit pulled for a mortgage, helping to recapture potential business opportunities.

Loans

Housing Wire

JULY 21, 2025

Department of Veterans Affairs (VA) loans , which jumped 428% from a year ago after a moratorium expired in December 2024. The increase was largely driven a surge in foreclosures involving properties backed by U.S.

VA 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

NOVEMBER 13, 2024

The two best-performing demographics for African Americans — Black female-headed households and millennials — both declined in home sales in 2023,” the organization explained in an announcement of the report’s findings. The report also said that potential Black homebuyers are too often shut out of the opportunity to participate in the market.

Pre-approval

Housing Wire

MAY 5, 2025

Gen Z was responsible for one in four loans issued to first-time homebuyers. And despite tightened affordability , first-time buyer purchase lending has held up better than activity among repeat buyers compared to 2018 and 2019 especially for conventional loans through the government-sponsored enterprises ( GSEs ). Washington, D.C.,

Lending

Housing Wire

OCTOBER 25, 2024

In this HousingWire Executive Conversation, Tom Davis, Chief Sales Officer at Deephaven , discusses the opportunities in the non-QM investor loan space as we head into the new year. He emphasizes the importance of a diverse product portfolio including DSCR and business-purpose loans, to better serve clients.

Investor

Housing Wire

FEBRUARY 14, 2025

Fannie Mae acquired approximately 778,000 single-family purchase loans totaling $326 billion, of which roughly half were for first-time homebuyers, as well as roughly 204,000 single-family refinances in 2024. Fannie acquired approximately $55 billion in multifamily loans last year, up 4% from 2023. in 2025 compared to 5.8%

Mortgages

Housing Wire

NOVEMBER 27, 2024

22, driven by a 12% increase in demand for purchase loans, according to data released Wednesday by the Mortgage Bankers Association (MBA). With the growth in for-sale inventory and signs that the economy remains strong, buyers have remained in the market even though rates have increased recently. Mortgage applications rose 6.3%

Mortgages

Housing Wire

APRIL 18, 2025

First American Data & Analytics has launched a new product designed to help lenders identify title issues earlier in the mortgage and home equity loan process, with the goal of cutting delays and reducing closing times. VeriTitle is available via an API and can be integrated into widely used loan origination and point-of-sale systems.

Title

Housing Wire

MAY 29, 2025

For subservicers, managing loans can generate stable income through fees, and when agreements allow and align with their strategy, it opens doors for cross-selling activity. including affiliated Rushmore Loan Management Services ) and Flagstar s servicing assets. Theres a lot of consolidation in the [subservicing] industry.

Mortgages

Housing Wire

MARCH 21, 2025

Findings include 71% of loan officers reporting an increase in buyers who are willing to purchase fixer-uppers, explore unconventional financing or accept high mortgage rates despite long-term financial concerns. Jones, a Colorado-based LO for Lower -backed Universal Lending Home Loans.

Debt-to-income ratio

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

OCTOBER 28, 2024

By examining their customer acquisition and retention strategies, they can drive, capture and convert shifts in demand into closed sales. Moreover, the older the loan, the more likely the borrower would refinance elsewhere. On average, just one out of five homeowners who opted to refinance were retained by their original lender.

Loan Officer

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

MAY 15, 2025

All-cash offers can benefit both buyers and sellers in ways that go beyond a lower sales price. All-cash offers may save buyers money Because sellers sometimes lower their asking price for all-cash offers, buyers can often save money on the home’s sale price.

Closing

Housing Wire

APRIL 2, 2025

Overall purchase activity has shown year-over-year growth for more than two months as the inventory of existing homes for sale continues to increase, a positive development for the housing market despite the uncertain near-term outlook. For 30-year fixed-rate mortgages with jumbo loan balances, rates decreased to 6.76% from 6.77%.

Fixed-rate mortgage

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). We maintain a very close relationship here at New American Funding.

Mortgages

Housing Wire

APRIL 30, 2025

The Mortgage Bankers Association reported the average IMB reported a pre-tax net loss of $40 on each loan they originated in the fourth quarter. Total annualized home sales rose slightly to an estimated 4.8 In single-family, we acquired $64 billion in loans this quarter, up 3% year over year.” in the last quarter.

Loans

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. The current environment of mergers and acquisitions (M&A) is evolving.

Due diligence

Housing Wire

MARCH 3, 2025

Below are some of the items that wont necessarily be on your radar when you initially explore an acquisition or sale, but may need to be dealt with on a post-closing basis. Assumed name filings The sale of Sellers name is important in many mortgage M&A transactions for continuity, transition and marketing purposes.

Purchase and sale agreement

Housing Wire

FEBRUARY 11, 2025

But despite this trend, some buyers are willing to adjust their loan term expectations to achieve homeownership, according to a recent report by real estate technology company REsimpli. Home sales have already taken a hit going into the latter half of February. But 31% foresaw “little to no impact” on their ability to buy.

Mortgages

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

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. Simonsen noted that the 60,000 pending sales of single-family homes are down 3% year over year even as the 639,000 homes available for purchase are up 28%.

Mortgages