In the ever-evolving world of mortgage finance, marketing has undergone a transformation just as profound as the products and platforms...

Mortgage lenders, ready for further adventures in the valley (of death), are at a crossroads.  Despite massive tech spends, they continue...

Let’s talk about the advice most homebuyers don’t  hear. When a renter becomes a homeowner, something fundamental shifts, or at least it...

With the foundational mission of Fannie Mae, Freddie Mac, and Ginnie Mae centered around expanding access to homeownership, especially...

We’re entering an inflection point in AI’s evolution: One where the hype begins to give way to real business transformation. Among the...

Deregulation may ease oversight, but it raises the stakes. Without the scaffolding of regulatory mandates, trust becomes the only real...

Last week, I had the opportunity to attend the MISMO Summit in Boston, a gathering of the brightest minds shaping the standards that...

Whether it’s $12 or $13k per loan, do you really think that you’re going to markedly lower the cost to produce a loan this quarter? Or...

This is the first installment of a weekly ‘check-in’ where I’ll be sharing actionable ideas to help Loan Officers build a stronger,...

The residential lending industry stands at a critical crossroads. Decades of traditional practices have left the mortgage process...

Rent Payment History is both willingness and ability to pay The best indicator of whether someone can repay a monthly mortgage payment is...

In the dynamic landscape of mortgage lending, managing rate lock renegotiations and early payoff scenarios is crucial for maintaining...

In today’s mortgage industry, the battle for borrower retention is increasingly being fought on the front lines of personal...

The 2025 NextGen Homebuyer Report, conducted in partnership with National MI, provides an in-depth analysis of the evolving homeownership...

Capacity planning is one of those things you learn through experience—sometimes the hard way. Back in college, when one of my roommates...

I am asked all the time where I think rates will be in six months. My answer, after I say that I can’t even predict where I’m going to...

Third-party vendors have become essential to mortgage lending, supporting everything from loan origination to post-close servicing. As...

(A Story in the Style of Dr. Seuss) The builders, they built, but they couldn't build more, The costs were too high, the regs were a...

The vast majority of residential mortgages in the United States are originated, underwritten, funded, and ultimately sold in accordance...

Over the past 15 years, the mortgage lending landscape has completely flipped. In 2010, depository institutions originated 81% of all...