It’s funny to me that as a nation we can’t just bask in the fact that our economy is strong. It’s good right now. It’s healthy (kinda)....

Last Thursday, Freddie Mac released a new conventional 3% down program. The program is designed to help qualified first-time homebuyers...

The 10-year Treasury Note is about 25bps from hitting 3%. This is the 10-year’s highest level since January of 2014. Okay? So, what does...

In our industry, it’s normal rhetoric to hear phrases like “a $400,000 loan amount”, or “our goal is to fund $350 million this month”,...

It might not feel like it, but spring is in the air. People are coming out of hibernation, even in the cities that are still dealing with...

The National Bureau of Economic Research found that technology-driven lenders have created efficiencies in the home lending business that...

Predatory lending, a term usually reserved for counties around Chicago, is popping up in New York of all places. New York has one of the...

So, it’s April… and there is still snow in the weekly forecast… sweet. It looks like we need to remain patient for the official close out...

When I was in high school, there was basically 2 options after graduation, 1) go to college, 2) go to a technical school and enter a...

It’s a seller’s market, in more ways than one. Most areas are experiencing a record low number of houses being listed for sale but also a...

The FHA was created in 1934 to get the housing industry off its feet. According to the FHA, mortgages were tough to come by for most...

Wells Fargo is once again in the spotlight. The Consumer Financial Protection Bureau is considering fining Wells Fargo hundreds of...

In 2016, refinances made up 50% of mortgage transactions. In 2017 they made up 35% and with rates on the rise in 2018 we’re going to see...

Earlier this week I went on a rant about the subprime (Non-QM) craze and how the MBA conference really opened my eyes to what was going...

I think it’s time we step away from the nitty gritty of our industry and take a deep breath. Let’s talk about something that is so...

Last week, we posted about the $5.5 trillion in equity that homeowners are sitting on and pondered when and how homeowners would start to...

As I walked up and down the aisles at the MBA Conference in Atlantic City last week I couldn’t help but notice the sheer number of...

Technology is defined as the practical application of knowledge in a particular area. As we’ve all gotten older, these practical...

The Federal Housing Finance Agency (FHFA) has announced that their implementation of new “Uniform Mortgage-Backed Securities” will...

In my previous blog post, I discussed how home prices were outpacing the average US wage. A short housing supply and an ever-increasing...