Housing Wire

DECEMBER 3, 2023

Mortgage holders withdrew a mere 0.41% of tappable equity in Q3, about 55% below the average withdrawal rate seen in the 12 years leading up to the Federal Reserve ’s most recent tightening cycle, according to the latest ICE Mortgage Technology ‘s mortgage monitor report. for FHA loans and 44.5% for VA loans.

Equity 451

Equity VA loan FHA loan Mortgages 451

Housing Wire

APRIL 5, 2023

Achieving digital optimization is a main priority for federal housing agencies, and it’s happening at a time when incorporating technology is becoming a crucial part of the entire industry. We’ve centralized our program so we can be more efficient. We just replatformed our underwriting system (.)

Technology 386

Technology Loans Mortgages Industrial 386

Housing Wire

NOVEMBER 28, 2023

Rapidio , a mortgage underwriting technology provider, on Monday released the income assessment component of its underwriting product, FlexStack Component System. The new tool is an automated income verification feature, which is available across various types of loans, including conventional loans, FHA and VA loans.

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VA loan Technology Loans Mortgages 417

Housing Wire

MAY 26, 2021

The average time to close on a mortgage has decreased for a fourth consecutive month to 51 days, according to a new study from ICE Mortgage Technology. The percentage of purchase mortgages increased to 43% of total closed loans. The average interest rate for all loans was 3.48% in April 2020.

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Housing Wire

DECEMBER 14, 2020

Opendoor added that it has also launched a refinancing product and have incorporated FHA and VA loans into its offerings. Last week, Offerpad became a partner of New Home Star , a national real estate sales and consulting firm that works with homebuilders to provide new home sales, marketing and technology solutions.

VA loan 430

VA loan Loans Finance Technology 430

Housing Wire

JULY 22, 2024

While the emergence of technology tools is not new to the industry, the latest wave of artificial intelligence (AI)-driven technology is unlike many others that have come before. In this role of being a trusted adviser, technology is helping us be more time efficient and be better at our jobs, but it isn’t replacing us.

Industrial 438

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Housing Wire

FEBRUARY 28, 2023

By adding JFQ’s technology stack, proven sales process, and seasoned leadership team, Prosperity is well positioned to execute its goal of becoming a significant force in the consumer direct channel with an equal focus on purchase and refinance transactions.”

Lending 387

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Housing Wire

MARCH 28, 2024

The digital lender made changes in its commercial operating model to achieve this goal and will continue to invest in Tinman, its proprietary technology platform. The operating model change involved Better pivoting to hiring experienced loan officers on commission-based compensation plans. Better posted a GAAP net loss of $59.5

Loan Officer 441

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Housing Wire

OCTOBER 27, 2020

Perfect credit would certainly make getting a loan easier (and cheaper), but it’s not a requirement by any means. FHA loans require just a 500 credit score, as long as you can make a 10% down payment, while VA loans have no credit score requirement whatsoever. Almost half of all borrowers had a score of 749 or less.

Debt-to-income ratio 420

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Real Trends

DECEMBER 14, 2022

For many homebuyers and housing industry professionals, there are lots of myths and misunderstandings about the VA loan and lending process. Vetted VA seeks to change that narrative. Learning the ropes of VA loans. Agents shouldn’t hesitate to ask questions and seek guidance in the world of VA loans.

VA loan 107

VA loan Loans Lending Loan Officer 107

Housing Wire

DECEMBER 21, 2023

In November, 70,000 additional borrowers were 30 days or more late on their mortgage payments, amounting to 1,804,000 loans. Moreover, early-stage delinquencies among VA loans hit their highest non-pandemic levels since 2009. Meanwhile, early-stage delinquencies (30 and 60 days past due) continued to increase.

Mortgages 441

Mortgages VA loan FHA loan Staging 441

Housing Wire

MAY 2, 2024

“The transition just became along the lines of the team’s ability to have a product suite and technology.” 7 loan officer in the country last year with a mortgage production volume of $326.5 His portfolio is concentrated on purchase loans (98% of the total volume in 2023) for first-time homebuyers. .”

Loan Officer 430

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Housing Wire

AUGUST 26, 2022

The old standards like FHA and VA loans still offer attractive options for first-time homebuyers, but some originators may be a little rusty on them and might need a refresher. HW: Mortgage technology is accelerating quickly and originators are rushing to keep pace. How can they stay competitive with so many tech enhancements?

Mortgages 370

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Housing Wire

JUNE 5, 2025

The combined technology now powers Afordals integrated features including affordability -based searches, preapproval calculators and AI-powered lead scoring. They can also determine their eligibility for government financing programs such FHA and VA loans, or other low- or zero-down payment loans.

VA loan 262

VA loan Mortgages Loan Officer Principal 262

Housing Wire

MAY 5, 2022

The MBA found that purchase applications increased for conventional, FHA, and VA loans — all up 4% this week from the previous week. Learn how updating your mortgage technology stack can help you get ahead in today’s unpredictable lending environment. Refi applications dropped to 33.9% Presented by: Polly.

Mortgages 370

Mortgages VA loan Fixed-rate mortgage Banks 370

Housing Wire

APRIL 27, 2021

With SIME technology, it’s easy. TMS Subservicing has Freddie, Fannie, Ginnie, Fitch Rating, FNMA Star, conventional loans, FHA loans, VA loans and more. We wanted a subservicer that would allow us to stay proactive and in front of our customers,” said Eddy Perez, CEO of EPM.

VA loan 370

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Housing Wire

NOVEMBER 4, 2020

VA-based programs had the lowest-risk applications, CoreLogic found. According to Berg, this is because VA loans are restricted to a select group of borrowers and, with the exception of certain refinances, they are for personal occupancy. This makes identity issues and straw buyer situations rare,” she said.

Mortgages 430

Mortgages VA loan Loans Lending 430

Housing Wire

JULY 29, 2024

But technology — particularly leveraging generative AI — can help solve these challenges in new ways. The sprint culminated with a demo day on Thursday where 12 teams presented their solutions to a panel of technology, regulation and housing experts. Each team presenting a use case had to address risk and compliance concerns.

Loans 347

Loans VA loan Technology Property Management 347

Housing Wire

NOVEMBER 7, 2023

mortgage delinquencies — which include conventional, FHA and VA loans — are still near record lows of 3.37% per the MBA. Can flexible GSE guidelines help today’s challenged homebuyers in a systemically safe way? I think so because total U.S. housing value is now $44.5 trillion per MBA.

Debt-to-income ratio 417

Debt-to-income ratio Mortgages VA loan Loans 417

Housing Wire

OCTOBER 15, 2024

Mortgage credit availability decreased in September, according to the latest Mortgage Bankers Association (MBA) analysis of ICE Mortgage Technology data. The MCAI for conventional loans fell by 1.7%, while the corresponding index for government loans increased by 0.8%. to a reading of 98.5 in September.

Mortgages 425

Mortgages Loans Marketing Technology 425

Housing Wire

SEPTEMBER 22, 2023

Kim: Executives at Dark Matter Technologies noted that lenders are most interested in bringing down their origination costs and retaining their clients in this rising-rate environment. Duncan: They have been investing in technology — primarily consumer-facing technologies to get business in the door. I would expect more.

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Housing Wire

JANUARY 31, 2021

HousingWire recently spoke to Bryan Bellacosa, first vice president of product management and information technology at ServiceLink, about the outlook for servicers in 2021. HousingWire: What is the biggest challenge servicers and real estate investors face this year?

VA loan 240

VA loan Investor Title Loans 240

Lab Coat Agents

MAY 1, 2024

VA loan assumptions offer a fantastic opportunity for your clients to save thousands on their mortgage in a rising interest rate environment. What is a VA Loan Assumption? What is a VA Loan Assumption? This can provide significant savings compared to taking out a new loan at prevailing market rates.

VA loan 52

VA loan Loans Debt-to-income ratio FHA loan 52

HomeLight

JULY 23, 2024

Get Started Let data do the job for you In our technological age, there’s an algorithm for everything, including how to find a Realtor. It takes just two minutes to match you with the best real estate agents, who will contact you and guide you through the process. If you really don’t know where to start, this is probably the best first stop.

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VA loan Agents Technology Loans 116

Real Trends

NOVEMBER 11, 2022

“With housing affordability at an all-time low and interest rates on the climb, it’s important that homeowners have alternative options to access their home equity without selling or taking on additional debt,” said Michael Gifford, CEO of Splitero , a financial technology company that helps homeowners access home equity. .

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The Close

MAY 28, 2025

620 Conventional loans FHA loans VA loans Jumbo loans Average turn time is 42 days Visit Better Mortgage Conventional: 6.75% FHA: 6.625% VA: 6.5% 620 Conventional fixed-rate loans FHA loans VA loans Jumbo loans Investment property loans Underwriting can take anywhere from a few days to a few weeks Visit U.S.

VA loan 85

VA loan FHA loan Mortgages Pre-approval 85

RIS Media

DECEMBER 20, 2020

As Green Ocean TV notes, the modern agent is “educated, equipped and empowered” using the marketing, technology and systems that give them the edge in today’s highly competitive market. The modern agent needs to have a clear approach and message for homeowners and sellers.

Agents 111

Agents VA loan Brokerage Technology 111

Calculated Risk Real Estate

JULY 7, 2025

While this deceleration may help affordability, it could potentially weaken the equity positions of borrowers who purchased more recently, particularly those using FHA and VA loans, which are low down payment products. In certain markets, the figures are more pronounced: in Cape Coral, Fla.,

Mortgages 52

Mortgages FHA loan Equity Loans 52

Lab Coat Agents

FEBRUARY 7, 2023

Third, you want to find an agent who uses technology to their advantage. The minimum down payment for an FHA loan is 3.5%. VA Mortgage: A mortgage guaranteed by the Department of Veterans Affairs (VA) is available to eligible active-duty service members and veterans. What Is A USDA Loan? What Are VA Loans?

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FHA loan VA loan Pre-approval Fixed-rate mortgage 96

HomeLight

SEPTEMBER 21, 2020

Market your transferable VA Loan Terms. Norton urges his sellers to offer the option of transferring their favorable VA loan terms within the property’s marketing plan. . If you have a VA loan and you’ve gotten it in the last 12 months, you know, that can be a very valuable marketing tool for you down the line.”.

VA loan 111

VA loan Purchase and sale agreement Loans Agents 111

Realtor.com

JANUARY 11, 2023

Since mortgage rates spiked in October to over 7% for a 30-year fixed-rate loan for the first time in 20 years, this could indeed determine if a first-time buyer can qualify for a home or not. Another benefit of working with a builder’s lender is that the lender is usually well-versed in FHA and VA loan options.

New Construction 110

New Construction Construction VA loan Finance 110

McKissock

FEBRUARY 13, 2023

Don’t miss this FREE update on VA appraisal topics on Wednesday, February 22nd from 11am-12pm ET. He was an independent fee appraiser on the VA panel for over 9 years prior to his current position. Sign up now.

VA loan 85

VA loan Principal Development Title 85

The Residential Specialist

AUGUST 31, 2021

Kinzie’s interest was in technology and the internet, so he aimed for the market he expected would most likely see the value in and embrace real estate technology: millennials. “I I started working with young, enlisted clients, finding houses for them and helping them utilize their VA loan.

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VA loan Branding Agents Loans 69

Real Trends

MAY 9, 2023

And yet, in today’s world of technology, instant gratification and misinformation, local MLS broker marketplaces and real estate professionals can be taken for granted. At the same time, veterans would be disadvantaged because the Veterans Administration does not allow veterans to pay real estate commissions when using VA loans.

MLS 100

MLS VA loan Equity Agents 100

Lab Coat Agents

JUNE 17, 2024

Assuming an existing FHA loan with a lower interest rate can significantly reduce monthly mortgage payments, making homeownership more affordable and accessible for these buyers. VA Updates Assumption Processing Fees with Locality Variance The VA has also made notable changes to the fees lenders can charge when processing VA loan assumptions.

Loans 52

Loans VA loan FHA loan Finance 52

HomeLight

OCTOBER 26, 2021

For instance, the requirements concerning your credit score or the amount of your down payment can be quite different if you are applying for a conventional loan instead of an FHA or VA loan. That average time has ticked up, according to ICE Mortgage Technology , a company that processes up to one-third of U.S.

Pre-approval 104

Pre-approval Mortgages Loans Loan Officer 104

Marco Santarelli

DECEMBER 12, 2024

Also, the availability of VA loans for military personnel and veterans plays a key role in making homeownership more accessible. The presence of the United States Air Force Academy and Fort Carson military base has contributed to a high concentration of military households, leading to a notable presence of VA loans.

Marketing 59

Marketing VA loan New Construction Construction 59