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# The MortgagePoint

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## Posts

- [News](https://themortgagepoint.com/news/) - Create a new perspective on life Your Ads Here (1260 x 240 area) Purchase Now Advertise Industry News
- [HUD Expands Home Rehab Program ](https://themortgagepoint.com/2024/07/09/hud-expands-home-rehab-program/) - Updates to the FHA’s 203(k) Rehabilitation Mortgage Insurance Program will assist families looking for affordable financing to repair, purchase, or rehabilitate single-family homes.
- [Years in the Making, Buyers Are Getting Their Summer](https://themortgagepoint.com/2026/07/06/after-years-of-waiting-homebuyers-are-getting-their-summer/) - New data from on asking prices, pending sales, and time spent of market from the Realtor.com June 2026 Monthly Trends Report shows why house shoppers are showing up as the market rebalances itself.
- [Rising Home Prices, Mortgage Rates Push Housing Payments Higher](https://themortgagepoint.com/2026/07/06/u-s-home-prices-hit-new-peak-in-june-as-monthly-payments-inch-up/) - In June, Redfin data showed that the median housing payment in the U.S. experienced its first year-over-year rise since October, as home prices and mortgage rates continue to rise.
- [NYC Introduces Tools to Expand Housing Development & Safeguard Communities](https://themortgagepoint.com/2026/07/06/nyc-introduces-tools-to-expand-housing-development-safeguard-communities/) - New resources will help homeowners build additional Ancillary Dwelling Units (ADUs) and allow landmark property owners to use Landmark Transferable Development Rights, further assisting neighborhoods in improving housing availability in New York City’s historic districts.
- [The American Dream Gets a Backup Plan](https://themortgagepoint.com/2026/06/30/the-american-dream-gets-a-backup-plan/) - From side gigs and family assistance to co-buying arrangements, prospective homeowners are finding creative ways to navigate today’s housing market. (This story first appeared in MortgagePoint magazine.)
- [MRLP Merges With South Carolina's Scott & Corley](https://themortgagepoint.com/2026/07/03/mccalla-raymer-leibert-pierce-scott-corley-announce-new-collaboration/) - Effective July 1, McCalla Raymer Leibert Pierce, LLP, has announced its merger with South Carolina-based Scott & Corley, P.A., to further "focus on strategic growth in markets that are important to our clients," according to Marty Stone, Managing Partner and CEO of McCalla Raymer Leibert Pierce.
- [Congressman to CFPB: ‘The First Step of Many We Can Take’ ](https://themortgagepoint.com/2026/07/03/congressman-to-cfpb-the-first-step-of-many-we-can-take/) - In a letter to Russell Vought, Acting Director of the Consumer Financial Protection Bureau (CFPB), Rep. Maxwell Frost, D-Florida, urged the bureau to look into rent now, pay later businesses, and hold them accountable for possible infractions of federal consumer financial protection laws.
- [New Tech Initiative Could Drive Housing Surge in These States  ](https://themortgagepoint.com/2026/06/30/new-tech-initiative-to-drive-new-housing-surge-in-these-states/) - Tech giant Meta revealed earlier in June that it is starting a workforce training academy that will provide free education and guaranteed jobs in skilled professions, potentially having a major impact on homebuyers in the states and communities where the institutions will be established.
- [Share of Young Americans Buying Multi-Million-Dollar Homes Soars ](https://themortgagepoint.com/2026/06/29/millennials-millions-zooming-share-buying-multi-million-dollar-homes/) - While homebuyer affordability remains an obstacle for many Americans, new data from Sotheby's International Realty revealed that the millennial generation is now a rapidly evolving part of the luxury real estate market that is expanding the fastest in 2026 throughout the U.S.
- [FHFA House Price Index: Home Prices Edge Lower in April After March Gains ](https://themortgagepoint.com/2026/06/30/fhfa-house-price-index-prices-fall-in-april/) - While the FHFA reported a modest monthly drop in home prices, constrained inventory continued to underpin annual appreciation across much of the country.
- [The Next Mortgage Opportunity is Hiding in Plain Sight](https://themortgagepoint.com/2026/06/30/the-next-mortgage-opportunity-is-hiding-in-plain-sight/) - A generation of well-qualified borrowers is at risk of falling through the cracks of an underwriting system built for a workforce that no longer exists. (This story first appeared in MortgagePoint magazine.)
- [GSEs Release Loan-Level Data to Support FICO Score 10T Validation](https://themortgagepoint.com/2026/07/02/fico-supports-release-of-historical-fico-score-10t-data-by-gses/) - The expanded historical datasets allow lenders, investors, and housing finance stakeholders to assess the predictive performance of FICO Score 10T.
- [Homeowners vs. Renters: How They Feel About Their Homes](https://themortgagepoint.com/2026/07/02/homeowners-vs-renters-how-they-feel-about-their-homes/) - A new Redfin study polled Americans about their homes, with most homeowners reporting a sense of belonging within their neighborhood, further strengthening their sense of community. Some renters, however, have a significantly different view.
- [Federal Legislation: 'A Driving Force in American Homeownership'](https://themortgagepoint.com/2026/07/02/federal-legislation-a-driving-force-in-american-homeownership/) - A new analysis traces 250 years of housing legislation, arguing that congressional action has repeatedly expanded homeownership, and suggesting how it could help address today's 4 million-home supply gap.
- [Fed Chair Stays Mum on July Rate Decision, Notes Inflation ‘Too High’ ](https://themortgagepoint.com/2026/07/02/fed-chief-declines-to-hint-at-july-rate-decision-but-says-inflation-too-high/) - Federal Reserve Chairman Kevin Warsh, in comments at the ECB Forum on Central Banking, declined to give any signal as to what the Fed may do at its meeting later this month, despite commenting on elevated inflation levels.
- [California Awards Almost $30M in Housing Funds to Tribes ](https://themortgagepoint.com/2026/07/02/california-awards-almost-30m-in-housing-funds-to-tribes/) - Some 68 communities will receive $28.5 million through the state Tribal Homeless, Housing Assistance and Prevention program to “implement unique, culturally responsive interventions” among Native residents experiencing homelessness and housing instability.
- [New Florida Law Allows School Districts to Build Affordable Housing](https://themortgagepoint.com/2026/07/02/new-florida-law-allows-school-districts-to-build-affordable-housing/) - The updated Live Local Act, recently signed by Gov. Ron DeSantis, allows school districts to build affordable housing on parcels that are three acres or larger-regardless of current zoning.
- [Moving Around: Record Number of People Seek to Move Elsewhere](https://themortgagepoint.com/2026/07/02/moving-around-record-number-of-people-seek-to-move-elsewhere/) - Roughly one in five U.S. house hunters sought to move to another part of country in the first quarter, and Redfin said that's a record.
- [U.S. Construction Job Openings Increase in May](https://themortgagepoint.com/2026/07/02/u-s-construction-job-openings-increase-in-may/) - The number of open positions in construction increased in May, according to the Bureau of Labor Statistics Job Openings and Labor Turnover Survey. The current level of open jobs is down measurably from three years ago due to declines in construction activity, particularly in housing, according to analysis from the National Association of Home Builders.
- [Starter Homes Unattainable for More Than Half of Non-Homeowners Nationwide](https://themortgagepoint.com/2026/07/01/starter-homes-unattainable-for-more-than-half-of-non-homeowners-nationwide/) - New LendingTree research found that the typical non-homeowner household earns more than $7,000 less than the income needed to afford a starter home, highlighting persistent affordability challenges.
- [Building a Business That Stands Out, Adapts, and Grows](https://themortgagepoint.com/2026/06/30/building-a-business-that-stands-out-adapts-grows/) - In a Velocity conference address, New Orleans entrepreneur Robert LeBlanc used a letter to his sons to explain his approach to success in business and life. (This story first appeared in MortgagePoint magazine.)
- [Where Luxury Home Prices Are Rising the Fastest Across the U.S.](https://themortgagepoint.com/2026/07/01/where-luxury-home-prices-are-rising-the-fastest-across-the-u-s/) - The median sale price of luxury homes in the U.S. increased year-over-year during May, more than tripling the overall increase in non-luxury sale prices, with recent Redfin research revealing the metros where luxury prices are rising fastest.
- [Mamdani, NYC Council Adopt $126B Budget That Reduces Rental Aid](https://themortgagepoint.com/2026/07/01/mamdani-nyc-council-adopt-126b-budget-that-reduces-rental-aid/) - The budget, which comes amid serious fiscal headwinds, includes significantly less rental assistance funding than initially promised by both sides.
- [California Revives $900M Homelessness Program](https://themortgagepoint.com/2026/07/01/california-revives-900m-homelessness-program/) - Nearly $1 billion in state homelessness funding will flow to California cities and counties after Gov. Gavin Newsom shifted his stance on limiting new spending on the state’s centerpiece program for shelters, services, and permanent housing.
- [New Home Sales Drop Due to Affordability Concerns](https://themortgagepoint.com/2026/06/26/new-home-sales-drop-due-to-affordability-concerns/) - According to the National Association of Homebuilders (NAHB), high mortgage rates, growing inflation, and economic uncertainty prevented many purchasers from entering the market in May as both buyers and builders continue to struggle with difficult economic conditions.
- [Southern States Continue to Lead Nation in Consumer Debt Delinquencies ](https://themortgagepoint.com/2026/06/26/examining-u-s-mortgage-debt-delinquencies/) - Individual delinquency may result from simple forgetfulness or uncontrollable issues, but a state's high percentage of delinquency suggests that its citizens are generally having financial difficulties. WalletHub examined proprietary user data from Q1 2026 for all 50 states to identify the areas where consumers are most struggling to pay their debts. WalletHub took into account
- [Fed's Preferred Inflation Gauge Shows Prices Rising at Fastest Rate in 3 Years ](https://themortgagepoint.com/2026/06/26/prices-rising-at-fastest-rate-in-3-years-feds-preferred-inflation-gauge-shows/) - The Personal Consumption Expenditures index—the Federal Reserve's preferred inflation measure—rose at a 4.1% annual rate in May, highlighting the central bank's challenge in reining prices.
- [More Americans Favor Buying Over Renting for the First Time Since 2023](https://themortgagepoint.com/2026/06/25/more-americans-favor-buying-over-renting-for-the-first-time-since-2023/) - For the first time in three years, most Americans say it’s better to buy a home than to rent or move in with family, and Bank of America’s new data helps explain why.
- [Harvard: Suburbs Gain as Urban Cores Face Population Pressures ](https://themortgagepoint.com/2026/06/30/how-immigration-trends-are-shifting-affecting-population-growth/) - According to a recent State of the Nation's Housing report from the Harvard University Joint Center for Housing Studies (JCHS), declining immigration is impeding population growth, making cities more dependent on domestic migration and natural change.
- [Celebrate the Mortgage and Housing Industries’ Leading Women](https://themortgagepoint.com/2026/06/30/celebrate-the-mortgage-and-housing-industries-leading-women/) - Nominations have been extended through July 8 for the 2026 Women in Housing Leadership Awards, honoring outstanding female leaders across five categories at this year's Five Star Conference.
- [BDF Law Group Acquires KML Law Group](https://themortgagepoint.com/2026/06/30/bdf-law-group-acquires-kml-law-group/) - The acquisition expands the Texas-based firm's default servicing footprint into Pennsylvania and New Jersey.
- [The Changing Face of American Homeownership](https://themortgagepoint.com/2026/05/27/the-changing-face-of-american-homeownership/) - From delayed first-time buyers to rising minority homeownership, demographic trends are transforming the housing market and mortgage industry alike. (This story first appeared in MortgagePoint magazine.)
- [Shared Equity Moves Into the Mainstream](https://themortgagepoint.com/2026/05/28/shared-equity-moves-into-the-mainstream/) - As regulation catches up and institutional capital accelerates, home equity investments are shifting from a niche alternative to an established housing finance product, putting new pressure on servicing, compliance, and execution. (This story first appeared in MortgagePoint magazine.)
- [Non-QM Lending: The Bridge Between Income and Qualification](https://themortgagepoint.com/2026/05/28/non-qm-lending-the-bridge-between-income-and-qualification/) - As self-employment, gig work, and asset-based wealth reshape borrower profiles, non-QM lending is becoming the critical link between traditional underwriting standards and how creditworthy borrowers actually earn, save, and qualify. (This story first appeared in MortgagePoint magazine.)
- [The Bank of Mom & Dad](https://themortgagepoint.com/2026/05/29/the-bank-of-mom-dad/) - Chris Birk, VP of Mortgage Insight at Veterans United Home Loans, discusses recent survey findings on how many parents are helping provide a bridge to homeownership for their children. (This story first appeared in MortgagePoint magazine.)
- [Voices of the Legal League Spring 2026 Servicer Summit](https://themortgagepoint.com/2026/05/30/voice-of-the-legal-league-spring-2026-servicer-summit/) - At the Legal League Spring Conference, mortgage servicing leaders and legal experts discussed consumer distress, evolving foreclosure and loss mitigation strategies, regulatory pressures, complex litigation trends, and the operational challenges reshaping the servicing industry. (This story first appeared in MortgagePoint magazine.)
- [The AI Imperative in Mortgage Servicing](https://themortgagepoint.com/2026/06/29/the-ai-imperative-in-mortgage-servicing/) - MortgagePoint speaks with several industry leaders about how artificial intelligence is reshaping mortgage operations and the guardrails needed to ensure innovation doesn’t outpace accountability. (This story first appeared in MortgagePoint magazine.)
- [Redfin Survey: Americans Across Party Lines Back Policies to Improve Housing Affordability](https://themortgagepoint.com/2026/06/29/redfin-survey-americans-across-party-lines-back-policies-to-improve-housing-affordability/) - A large majority of surveyed U.S. residents believe there should be tax breaks for first-time homebuyers, and nearly as many believe there should be policies that make homes more affordable.
- [Supreme Court: Trump Cannot Fire Fed's Lisa Cook ](https://themortgagepoint.com/2026/06/29/supreme-court-trump-cannot-fire-feds-lisa-cook/) - The justices allowed Cook to keep her job while greenlighting the president’s firing of another Democratic appointee to an independent body, FTC Commissioner Rebecca Slaughter.
- [HUD, VA Funding to Support Over 2,500 Homeless Veterans](https://themortgagepoint.com/2026/06/29/hud-va-funding-to-support-over-2500-homeless-veterans/) - The U.S. Department of Housing and Urban Development and U.S. Department of Veterans Affairs have announced $33 million in funding for the HUD–Veterans Affairs Supportive Housing program.
- [NYC Freezes Rents for 1M Rent-Regulated Apartments ](https://themortgagepoint.com/2026/06/26/nyc-freezes-rents-for-1-million-rent-regulated-apartments/) - New York's Rent Guidelines Board voted Thursday night to freeze rents for both one-year and two-year leases for the city's one million rent-regulated apartments. The board voted 7-1 in favor of the rent freeze, according to ABC 7. "This is no longer just a city that's a playground for the rich," enant Lex Rountree said.
- [California Leaders Propose $11.25B Affordable Housing Bond for 2026 Ballot](https://themortgagepoint.com/2026/06/26/california-leaders-advance-11-25b-affordable-housing-bond-for-2026-ballot/) - The proposal is a $11.25 billion investment that will fast-track the construction, rehabilitation, and preservation of affordable housing, support homeownership programs, and provide funding for a variety of state housing initiatives.
- [U.S. Records Rise in International Home Shopping Interest](https://themortgagepoint.com/2026/06/25/u-s-records-rise-in-international-home-shopping-interest/) - According to a Realtor.com report, international demand has risen modestly among online traffic, with Miami leading and Dallas gaining traction across multiple regions.
- [Redfin: NYC Suburbs, Bay Area Are Spring’s Most Competitive Housing Markets](https://themortgagepoint.com/2026/06/25/redfin-nyc-suburbs-bay-area-are-springs-most-competitive-housing-markets/) - Redfin data shows nearly three in five homes sold above list price in Newark, San Francisco and San Jose, underscoring tight competition in select metros.
- [FEMA Extends Housing Aid for Los Angeles Fire Survivors](https://themortgagepoint.com/2026/06/25/fema-extends-housing-aid-for-los-angeles-fire-survivors/) - According to FEMA, more than 35,000 households had received assistance through the Individuals and Households Program as of June 12.
- [Fed Stress Test: U.S. Banks Can Weather Billions in Losses](https://themortgagepoint.com/2026/06/25/fed-stress-test-u-s-banks-can-weather-billions-in-losses/) - All 32 banks in the Fed’s annual stress test remained above minimum capital requirements despite a hypothetical recession generating more than $708 billion in losses.
- [Mortgage Denial Gaps Widened in Affordability-Strapped Areas](https://themortgagepoint.com/2026/06/24/black-white-mortgage-denial-gaps-widened-in-affordability-strapped-areas/) - According to a recent Zillow analysis of Home Mortgage Disclosure Act data, Black applicants are notably denied mortgages at higher rates than white applicants in each of the 50 largest U.S. metro regions, predominantly in lower-income areas.
- [Why Is the Nation’s Housing Crisis Not Improving? ](https://themortgagepoint.com/2026/06/24/experts-detail-why-the-nations-housing-crisis-isnt-improving/) - Experts from the Harvard Joint Center for Housing Studies' most recent State of the Nation's Housing study have identified several factors as the key narratives of 2026, affecting both homebuyers and housing markets nationwide.
- [Nearly Half of Home Sellers Gave Concessions to Buyers in May](https://themortgagepoint.com/2026/06/24/nearly-half-of-home-sellers-gave-concessions-to-buyers-in-may/) - Redfin said that's the highest share on record for the month. It also detailed what percentage of May’s home sales had both a concession and a price drop (also the highest May share on record).
- [Trump Cancels Housing Bill Signing After Congress Passes It  ](https://themortgagepoint.com/2026/06/24/trump-cancels-housing-bill-signing-after-congress-passes-it/) - The House on Tuesday followed the Senate in passing a sweeping housing reform package, but President Trump announced Wednesday that he’s putting off signing the bill. Here’s how he justified the delay.
- [Revenue Without Limits: Building a Business That Grows With the Market](https://themortgagepoint.com/2026/06/24/revenue-without-limits-building-a-business-that-grows-with-the-market/) - Diversification is a key to success as the REO and distressed landscape has changed, according to a panel at the recent Velocity Conference in New Orleans.
- [Zillow: Rental Affordability Reaches Highest May Level Since 2021](https://themortgagepoint.com/2026/06/23/nearly-3-in-4-rental-listings-are-considered-affordable-the-highest-for-may-in-years/) - Affordability gains are highest for apartments, as a wave of new multifamily construction continues to pay off for renters, according to a new report.
- [Housing Starts Fall as Multifamily Construction Slows](https://themortgagepoint.com/2026/06/19/housing-starts-fall-as-multifamily-construction-slows-sharply-in-may/) - Housing starts fell in May, according to the NAHB, driven by a steep drop in multifamily construction, while single-family building also slipped amid high interest rates, rising construction costs, and persistent labor shortages.
- [Mamdani Says He Wants More Housing on Public Land](https://themortgagepoint.com/2026/06/19/mamdani-says-he-wants-more-housing-on-public-land/) - The New York City mayor plans to oversee the construction of 200,000 affordable homes across the five boroughs.
- [ICE Mortgage Monitor: Mortgage Delinquencies Hold Steady Despite Rise in FHA Distress](https://themortgagepoint.com/2026/06/18/ice-mortgage-monitor-delinquencies-remain-below-pre-pandemic-levels/) - While overall mortgage performance remained stable in April, ICE found a sharp increase in FHA loans 90 days or more past due compared with a year earlier.
- [Rising Insurance Premiums Adding to Homeownership Costs ](https://themortgagepoint.com/2026/06/15/examining-u-s-home-insurance-coverage-expenses-more/) - Between 2020 and 2025, the total increase in home insurance prices nationwide was nearly 50%, according to a LendingTree study, with annual hikes starting to pick up in 2022.
- [Small Investors Dominate Purchases as Market Holds Steady](https://themortgagepoint.com/2026/06/23/small-investors-dominate-purchases-as-market-holds-steady/) - Investor purchases rose modestly in 2025 while mega-investors recorded their lowest share of acquisitions in more than a decade, according to the annual Realtor.com Investor Report.
- [Foreclosure Prevention Efforts Continue as Delinquencies Shift ](https://themortgagepoint.com/2026/06/23/taking-a-look-at-foreclosure-prevention-actions/) - The Federal Housing Finance Agency (FHFA) has revealed the share of completed foreclosure prevention activities in January, totaling more than seven million, with permanent loan modifications accounting for a notable percentage of these actions.
- [HUD Announces 14 FHA Policy Changes Aimed at Reducing Costs](https://themortgagepoint.com/2026/06/23/hud-cuts-more-red-tape-to-lower-costs-improve-affordability/) - The Agency stated that the updates to origination, servicing, appraisal, and quality control requirements were designed to streamline processes and improve access to FHA-insured mortgages.
- [Millions of New Yorkers to Get More Than $2B in Property Tax Relief](https://themortgagepoint.com/2026/06/23/about-3m-new-yorkers-to-get-more-than-2b-in-tax-relief/) - Gov. Kathy Hochul announced that nearly 3 million New Yorkers will receive over $2B in tax relief via New York's School Tax Relief (STAR) program, which provides property tax relief to eligible homeowners and seniors statewide.
- [What's Driving Rental Delinquencies in New York City?](https://themortgagepoint.com/2026/06/22/whats-causing-rent-collections-to-be-down-in-new-york-city/) - Fewer tenants living in New York City’s least-expensive housing units are paying their rent, a trend that risks further destabilizing the city’s affordable housing market. Here are the factors in play.
- [Many Aspiring Young U.S. Homebuyers Still Living with Parents ](https://themortgagepoint.com/2026/06/22/aspiring-young-u-s-homebuyers-still-living-with-parents/) - According to a recent Realtor.com study, a record share of adults under 35 lived with their parents in 2025, surpassing even the pandemic's peak, as housing costs continue to prevent young Americans from living independently.
- [New Government Program Aims to Aid Vets Facing Foreclosure](https://themortgagepoint.com/2026/06/22/vets-facing-foreclosure-can-get-help-with-new-government-program/) - The VA's new Partial Claim Program is part of the VA Home Loan Reform Act, which was passed into law last year and formally started this month, identifying veterans who are in mortgage default and able to be put on a payment plan.
- [How the New Housing Bill Could Benefit Americans](https://themortgagepoint.com/2026/06/22/how-a-new-housing-bill-will-benefit-americans/) - Among other government actions and initiatives, the 21st Century ROAD to Housing Act would restrict businesses from purchasing single-family homes and further ease certain permitting requirements.
- [Fed Chair Under Four Presidents, Alan Greenspan Passes at 100 ](https://themortgagepoint.com/2026/06/22/fed-chair-under-four-presidents-alan-greenspan-passes-at-100/) - Alan Greenspan, who presided over the Fed during almost two decades of boom and bust, died on Monday at the age of 100. His wife, NBC journalist Andrea Mitchell, said he died from complications from Parkinson's disease.
- [Realtor.com's 2026 State Report Cards for Homebuilding, Affordability Show a Nation Divided](https://themortgagepoint.com/2026/06/19/realtor-coms-2026-state-report-cards-for-homebuilding-affordability-show-a-nation-divided/) - Indiana and New York are at opposite ends of the second annual Realtor.com Affordability & Homebuilding Report Cards, with the Hoosier state vaulting to No. 1.
- [California’s Housing Prices Reach Record Highs](https://themortgagepoint.com/2026/06/19/californias-housing-prices-reach-record-highs/) - California's median housing prices are soaring to record highs, boosted by pricey Bay Area home sales, according to the California Association of Realtors. How high? The median cost of a home in California reached $930,260 in May, a 2.3% increase from April and a 3.1% increase from the same time last year. And, the Bay
- [USDA Rural Development Moving Some Roles to DFW, St. Louis](https://themortgagepoint.com/2026/06/19/usda-rural-development-moving-some-roles-to-dfw-st-louis/) - The U.S. Department of Agriculture’s (USDA) Rural Development Mission Area has announced a modernization and restructuring effort to strengthen customer service, improve program accessibility, and enhance support for rural communities across the nation. As part of that restructuring, the agency said it will maintain its National Capital Region (NCR) presence in Washington, D.C., to be responsive to
- [Buyers Hit the Sidelines as Housing Payments Reach 1-Year High ](https://themortgagepoint.com/2026/06/18/buyers-hit-the-sidelines-as-housing-payments-hit-1-year-high/) - According to a new report from Redfin, the median U.S. monthly housing payment hit its highest level in a year, just shy of 2023’s all-time high.
- [Zillow: Housing Shortage, Not Commissions, Remains Core Affordability Challenge](https://themortgagepoint.com/2026/06/18/affordability-continues-to-hinder-americans-from-homeownership/) - The primary cause of America's affordability crisis today is the lack of available housing, according to Zillow, leaving many Americans in limbo about homeownership.
- [Senate, House Reach Accord on Housing Bill](https://themortgagepoint.com/2026/06/18/senate-house-reach-accord-on-housing-bill/) - Congress only has a few weeks of legislative days remaining this year to complete a long list of priorities, including an embattled bipartisan housing affordability legislation.
- [FHFA Seeks Direct Authority to Prosecute Mortgage Fraud](https://themortgagepoint.com/2026/06/18/fhfa-seeks-direct-authority-to-prosecute-mortgage-fraud/) - The FHFA has asked Congress for statutory authority to bring enforcement actions for mortgage fraud, according to its annual report, which was released this week.
- [Renters Favor Local Markets as Newcomers Dominate Others](https://themortgagepoint.com/2026/06/17/renters-favor-local-markets-as-newcomers-dominate-others/) - While some towns and cities are retaining their tenants and others are being shaped by newcomers, the Realtor.com May Rental Report revealed that the national median asking rent has dropped year-over-year, continuing a trend of monthly declines.
- [Once Red-Hot Seller’s Markets Now Lead the U.S. in Canceled Home Sales](https://themortgagepoint.com/2026/06/17/once-red-hot-sellers-markets-now-lead-the-u-s-in-canceled-home-sales/) - Contract cancellations held steady nationally in May, reflecting a market where increased inventory and economic uncertainty are giving buyers more freedom to back out of transactions.
- [Pending Home Sales Post Strongest Gain of Spring ](https://themortgagepoint.com/2026/06/17/pending-home-sales-rise-3-8-in-may-nar-report-says/) - NAR data shows contract signings climbed well above expectations in May as buyers returned to the market despite mortgage rates remaining above 6%.
- [Fed Policymakers Unanimously Vote to Hold Rates Steady ](https://themortgagepoint.com/2026/06/17/fed-policymakers-unanimously-vote-to-hold-rates-steady/) - In new Fed Chair Kevin Warsh’s first meeting at the helm, the Federal Open Market Committee voted 12-0 to maintain interest rates unchanged at a range of 3.5 to 3.75% as the central bank contends with high inflation and the effects of the conflict in Iran.
- [Rising Costs & Mortgage Rates Weakening Home Builder Sentiment  ](https://themortgagepoint.com/2026/06/17/rising-costs-mortgage-rates-weakening-home-builder-sentiment/) - As builder sentiment remains sluggish amid ongoing affordability concerns, the National Association of Home Builders (NAHB) and the Wells Fargo Housing Market Index indicated that builder confidence in the market for newly constructed single-family homes decreased in June.
- [Fed to Make Interest Rate Decision With Inflation at Three-Year High](https://themortgagepoint.com/2026/06/16/fed-to-make-interest-rate-decision-with-inflation-at-3-year-high/) - The announcement on Wednesday will mark the first possible adjustment of the benchmark interest rate since Trump nominee Kevin Warsh began his four-year term as Fed chair last month. Experts expect the central bank to hold steady on interest rates.
- [Outgoing FHA Director: More Subsidies Not the Key to Solving Housing Crisis](https://themortgagepoint.com/2026/06/16/outgoing-fha-director-more-subsidies-not-the-key-to-solving-housing-crisis/) - Subsidies alone won't solve the nation's housing shortage, said Frank Cassidy, who recently resigned as Federal Housing Administration commissioner, in a recent interview. Instead, he argues that America must build its way out of its housing crisis.
- [The Rise of the Million-Dollar ‘Starter Home’ ](https://themortgagepoint.com/2026/06/16/million-dollar-starter-homes-found-in-more-than-half-of-u-s/) - As affordability challenges continue to persist for many aspiring homebuyers, recent Zillow data showed that there are now a record number of U.S. cities with starter properties costing $1 million or more, roughly three times as many as there were prior to the pandemic.
- [NYC Landlord Targeted by Mayor Agrees to Forgive Back Rent in 5,100 Apartments](https://themortgagepoint.com/2026/06/16/nyc-landlord-targeted-by-mayor-agrees-to-forgive-back-rent-in-5100-apartments/) - The new owner of more than 5,000 mostly rent-stabilized apartments has reportedly agreed to waive millions of dollars in unpaid rent that tenants owed in the years before a high-profile bankruptcy sale targeted by Mayor Zohran Mamdani.
- [Single Women Homeownership: A Growing Force in the U.S. Housing Market](https://themortgagepoint.com/2026/06/16/single-women-homeownership-a-growing-force-in-the-u-s-housing-market/) - New data indicates that the share of single women in today's property market is increasing, with a significant number of U.S. women who bought homes on their own in 2025, accounting for a notable percentage of all home purchase mortgages nationwide.
- [HUD Details Fair Housing Enforcement Actions](https://themortgagepoint.com/2026/06/15/hud-announces-fair-housing-enforcement-cuts-backlog-by-27/) - The agency said the actions include charges and settlements involving allegations of sexual harassment, discrimination against families with children, failure to accommodate individuals with disabilities, and violations of protections for victims of domestic violence.
- [Historic New England City Experiences Massive Real Estate Boom ](https://themortgagepoint.com/2026/06/15/historic-new-england-city-experiences-a-massive-real-estate-boom/) - Known as the "insurance capital of the world" and "America's filing cabinet," this Connecticut city has reclaimed the title of America's hottest housing market after more than a year.
- [Meet This Year’s MortgagePoint Tech Excellence Award Recipients](https://themortgagepoint.com/2026/06/15/meet-this-years-mortgagepoint-tech-excellence-award-recipients/) - This year’s profiled companies span two dozen technology providers transforming mortgage and housing through innovation, efficiency, and measurable impact.
- [Multifamily Rent Growth Showed Positive Gains in May ](https://themortgagepoint.com/2026/06/15/multifamily-rent-growth-showed-positive-gains-in-may/) - While the momentum of the spring leasing season continues to lag, a new study revealed that national rent growth was still strong in May.
- [Analyzing Black Suburbanization in Today's Marketplace](https://themortgagepoint.com/2026/06/10/analyzing-black-suburbanization-in-todays-marketplace/) - Nearly half of all Black Americans lived in a major city in 1970, but that percentage has dropped significantly during the last 50 years, while the share of people living in the suburbs has increased, according to economists.
- [Inflation, Rising Mortgage Rates Affecting Potential Housing Recovery](https://themortgagepoint.com/2026/06/11/inflation-rising-mortgage-rates-affecting-potential-housing-recovery/) - Zillow has reported that mortgage rates have started to climb again, and although affordability is still greater than it was a year ago, since inflation is outpacing income growth, potential purchasers are essentially becoming even less wealthy in today's economy.
- [HUD Makes $193M Available to Address Youth Homelessness](https://themortgagepoint.com/2026/06/11/hud-makes-193m-available-to-address-youth-homelessness/) - The U.S. Department of Housing and Urban Development said the funding is available to help communities across the nation prevent and address youth homelessness through housing-focused programs and supportive services.
- [PhoenixTeam Launches Initiative to Help Young People Prepare for AI's Impact](https://themortgagepoint.com/2026/06/11/phoenixteam-launches-initiative-to-help-young-people-prepare-for-ais-impact/) - The initiative, Human Features, helps students and early-career professionals develop the skills, confidence, and judgment to use AI thoughtfully, solve real problems, and shape what comes next.
- [Millennial Budgets Finding Relief in These Cities](https://themortgagepoint.com/2026/06/12/millennial-budgets-finding-relief-in-these-cities/) - A recent study identified the top 10 cities where millennials benefit from balanced jobs, pay, and housing, indicating that a small number of metro areas are doing a better job of balancing housing, earnings, and employment growth than their competitors.
- [What the Luxury Housing Boom Left Behind](https://themortgagepoint.com/2026/06/12/what-the-luxury-housing-boom-left-behind-post-pandemic/) - As the pandemic accelerated luxury housing markets nationwide, Realtor.com identified which U.S. housing markets surpassed their pandemic peaks, revealing that the unwinding trend has been anything but equal.
- [NAHB: Regulatory Burden Accounts for More Than a Quarter of New Home Prices](https://themortgagepoint.com/2026/06/11/regulatory-costs-increase-40-in-five-years-add-131734-to-new-home-prices/) - A new study by the National Association of Home Builders finds that regulations at the federal, state, and local levels add more than $100,000 to the cost of a new single-family home.
- [How Comfortable Are Homebuyers With AI-Driven Homebuying?](https://themortgagepoint.com/2026/06/12/survey-more-than-half-of-buyers-are-comfortable-with-ai-driven-homebuying/) - A new survey put the question to prospective homebuyers, asking how comfortable they would be buying a home without direct human involvement, according to a new Veterans United Home Loans survey that examines trust in AI tools and technology.
- [Pimco Warns Investors 'Credit Loss Cycle Is Upon Us’](https://themortgagepoint.com/2026/06/12/pimco-warns-investors-about-a-spike-in-defaults/) - Pimco is warning fixed-income investors that they can no longer rely on easy gains from lower-quality credit as defaults rise and market volatility returns.
- [Trump Picks Former CFPB Official to be Its Next Permanent Director](https://themortgagepoint.com/2026/06/11/trump-picks-former-cfpb-official-to-be-its-next-permanent-director/) - President Donald Trump has named Brian Johnson to be the next Director of the Consumer Financial Protection Bureau, turning to a trusted former aide and financial services executive who helped run the CFPB during Trump’s first term to now run it for the rest of his second term.
- [Pending Sales Drop for the Fourth Consecutive Week as Prices Tick Up](https://themortgagepoint.com/2026/06/11/pending-sales-drop-for-the-fourth-consecutive-week-as-prices-tick-up/) - The median U.S. home sale price reached a new record during the four weeks ending June 7, rising year-over-year and representing the first time the average American existing home has sold for more than $400,000.
- [Study Names the Top Hot Spots for New Grads This Year ](https://themortgagepoint.com/2026/06/10/study-names-the-top-hot-spots-for-new-grads-this-year/) - The locations where high incomes, reasonable rent, and unprecedented rental concessions come together have been ranked in Zillow's latest list of the top housing markets for recent college graduates.
- [Ex-Pandemic Homebuying Hotspots Are This Spring’s Strongest Buyer’s Markets ](https://themortgagepoint.com/2026/06/10/ex-pandemic-homebuying-hotspots-are-this-springs-strongest-buyers-markets/) - Redfin reports 35 of the 50 most populous U.S. metros were buyer’s markets in May, led by cities in the Sun Belt. There are now nearly half a million more home sellers than buyers in the U.S. housing market, signaling that buyers hold the power.
- [Inflation Hits Highest Level in Three Years ](https://themortgagepoint.com/2026/06/10/inflation-hits-highest-level-in-three-years-as-iran-war-drives-up-prices/) - The Federal Open Market Committee will meet next week, and futures markets overwhelmingly expect the Fed to hold interest rates steady.
- [Democrats Introduce Bill to Automatically Fully Fund the CFPB ](https://themortgagepoint.com/2026/06/10/democrats-introduce-bill-to-automatically-and-fully-fund-the-cfpb/) - Earlier this month, all 11 Democrats on the Banking Committee introduced a bill to automatically and fully fund the Consumer Financial Protection Bureau, but the legislation has yet to advance.
- [Existing-Home Sales Reach Highest Level Since December as Buyers Return  ](https://themortgagepoint.com/2026/06/09/nar-existing-home-sales-report-shows-3-2-rise-in-may/) - Sales activity strengthened across most regions in May as buyers took advantage of easing financing conditions and a modest increase in housing supply.
- [More Sellers Equals More Sales, But Buyers Must Reach the Price](https://themortgagepoint.com/2026/06/09/more-sellers-equals-more-sales-but-buyers-must-reach-the-price/) - Existing-home sales are expected to increase in May for the second straight month, according to First American's Existing-Home Sales Outlook Report. That is welcome progress for the spring homebuying season, especially because mortgage rates have moved higher again.
- [From Postwar Boom to Housing Bust: What America Can Learn From 1946](https://themortgagepoint.com/2026/06/09/after-wwii-america-built-its-way-out-of-a-housing-crisis-can-we-do-it-again/) - As the nation recently marked the anniversary of D-Day, Realtor.com examines how America responded to a severe postwar housing shortage, and what those lessons mean for today’s 4 million-home deficit.
- [California Announces Affordable Housing Income Limits for 2026 ](https://themortgagepoint.com/2026/06/09/california-announces-affordable-housing-income-limits-for-2026/) - The California Department of Housing and Community Development has released updated 2026 income limits and median household income figures for all 58 counties.
- [Private Listings Add New Dimension to Property Tax Debate ](https://themortgagepoint.com/2026/06/08/why-off-market-home-sales-may-be-raising-your-property-taxes/) - New research suggests that when home sale data is hidden from assessors, high-value properties may be undervalued, potentially shifting a greater share of local tax burdens onto other homeowners.
- [How the Rent-vs.-Buy Equation Is Shifting for Today’s Consumers ](https://themortgagepoint.com/2026/06/08/renting-vs-buying-making-the-right-financial-decision/) - A new Zillow analysis suggests renters who invest savings from lower housing costs may outperform homeowners in several of the nation’s most expensive markets.
- [Departing FHA Commissioner Cassidy Talks About  Achievements & Path Ahead](https://themortgagepoint.com/2026/06/08/departing-fha-commissioner-cassidy-talks-about-achievements-path-ahead/) - In a recent interview, Frank Cassidy discussed his time at HUD and why he’s returning to the private sector.
- [FHA Requests Information Regarding Single-Family Minimum Property Requirements](https://themortgagepoint.com/2026/06/08/fha-requests-information-regarding-single-family-minimum-property-requirements/) - The Federal Housing Administration (FHA) is requesting public feedback on the Minimum Property Requirements as they relate to FHA's Single Family mortgage insurance programs, aiming to collect input from the market to guide future policy changes that promote prospects for sustainable homeownership.
- [Housing Market Stalls Just After Closed Home Sales Hit Highest Level in Four Years ](https://themortgagepoint.com/2026/06/08/housing-market-stalls-just-after-closed-home-sales-hit-highest-level-in-four-years/) - Redfin reports closed home sales jumped in May, hitting the highest level since 2022, and reflecting April’s lower mortgage rates and a strong labor market. Pending home sales were flat, however.
- [Forget Starter Home Struggles: Is America Now Losing the Starter Rental?](https://themortgagepoint.com/2026/06/05/with-the-starter-homes-demise-is-america-losing-the-starter-rental-too/) - The decline of entry-level rental housing is delaying household formation and limiting opportunities for young Americans to build wealth, according to Realtor.com.
- [Fed Study Warns Growing Foreign Ownership Is Pressuring U.S. Economy](https://themortgagepoint.com/2026/06/05/fed-foreign-investors-own-more-of-the-u-s-than-we-own-of-them/) - The Federal Reserve Bank of New York’s latest research shows a $28-trillion gap between what the U.S. owns in overseas assets versus what foreign investors hold.
- [Housing Director Bill Pulte Picked as Acting Intelligence Chief](https://themortgagepoint.com/2026/06/02/housing-director-bill-pulte-picked-as-acting-intelligence-chief/) - Pulte will remain FHFA director and chairman of the mortgage groups Fannie Mae and Freddie Mac. Tulsi Gabbard recently announced her resignation as head of intelligence.
- [First-Time Homebuyers Are Getting a Little Younger ](https://themortgagepoint.com/2026/06/05/average-first-time-buyer-age-down-from-q4-2025/) - First-time homebuyers who obtained mortgage loans in Q1 had lower median and average ages compared to Q1 and Q4 of 2025, according to the American Enterprise Institute. So, where does the median age now sit?
- [Couple Acquires First Bitcoin-Backed Fannie Mae Mortgage ](https://themortgagepoint.com/2026/06/05/couple-acquires-first-bitcoin-backed-fannie-mae-mortgage/) - An Ann Arbor, Michigan, couple have become the first to obtain a conventional Fannie Mae-backed mortgage utilizing bitcoin collateral for a down payment. Will this set the precedent for many more to come?
- [Fannie Mae, Freddie Mac Privatization Effort Faces New Questions](https://themortgagepoint.com/2026/06/05/plan-to-spin-off-fannie-mae-and-freddie-mac-faces-new-uncertainty/) - While President Trump has teased an IPO of Fannie Mae and Freddie Mac as recently as last month, Bill Pulte’s recently expanded portfolio may suggest the administration is in no rush to make any moves.
- [Mortgage Fraud Risk Declines in Q1, but Investor Loans Remain a Concern ](https://themortgagepoint.com/2026/06/04/q1-mortgage-fraud-risk-declines-from-previous-quarter/) - Cotality’s latest Mortgage Application Fraud Risk Index found fraud risk fell year over year and quarter over quarter, though investment-property and multifamily applications continued to show elevated warning signs.
- [Homebuyers Putting Down Less Cash as Housing Market Shifts in Their Favor](https://themortgagepoint.com/2026/06/03/typical-down-payments-slip-as-home-sale-prices-dip/) - According to new Redfin research, buyers are making smaller down payments amid moderating home-price growth, expanded low-down-payment loan options, and fewer bidding wars.
- [Comparing Mortgage Offers Could Save Borrowers Thousands, But Many Don’t Negotiate](https://themortgagepoint.com/2026/06/02/comparing-mortgage-offers-could-save-borrowers-thousands-but-many-dont-negotiate/) - Borrowers could save an average of $62,572 over the life of a 30-year, fixed-rate mortgage by shopping around. That’s equivalent to $174 a month or $2,086 a year by choosing the best available offer, according to an analysis by LendingTree.
- [GOP House Members Prod Senate to Get on Board with Housing Bill](https://themortgagepoint.com/2026/06/03/gop-house-financial-services-members-prod-senate-to-get-on-board-with-housing-bill/) - The cross-chamber dialogue comes amid leadership-level engagement that aims to bring the Capitol together on a version of the legislation both sides can accept, reports suggest.
- [Housing Market Finds New Equilibrium](https://themortgagepoint.com/2026/06/04/buyers-are-showing-up-as-list-prices-post-steep-drop/) - Realtor.com reports sellers are adjusting expectations to current market conditions, helping drive six consecutive months of pending sales growth despite elevated mortgage rates.
- [Home Delistings Climb as Sellers Adjust to Buyer’s Market ](https://themortgagepoint.com/2026/06/04/sellers-are-pulling-their-homes-off-the-market-at-near-record-rates/) - A growing number of homeowners are pulling listings off the market rather than accepting lower offers, with Redfin reporting delistings have reached their highest level since the early days of the pandemic.
- [St. Louis Fed: Increasing Rates Driving Up Mortgage Denial Thresholds ](https://themortgagepoint.com/2026/06/04/increasing-rates-drive-up-mortgage-denial-rates/) - When homebuyers are shopping around for a mortgage, lenders and financial advisors frequently point to 43% as the cutoff point for their debt-to-income ratio; however, a thorough analysis from the Federal Reserve Bank of St. Louis revealed that this isn't always accurate.
- [This Surprising County Now Has California’s Priciest Homes](https://themortgagepoint.com/2026/06/03/this-surprising-county-now-has-californias-priciest-homes/) - New data from the California Association of Realtors shows median home prices in one particular California county surged to $2.55 million in April, surpassing traditional Bay Area luxury markets.
- [Federal Reserve's Preferred Inflation Measure Spotlights April’s Climbing Prices](https://themortgagepoint.com/2026/06/03/federal-reserve-spotlights-aprils-climbing-prices-with-preferred-inflation-measure/) - The Federal Reserve's inflation measure shot up to a three-year high in April, further adding to Wall Street and the central bank's mounting concerns about widening price constraints amid nationwide uncertainty surrounding inflation and ongoing economic worries.
- [Leadership Lessons From the Front Lines](https://themortgagepoint.com/2026/04/08/leadership-lessons-from-the-front-lines/) - At the Legal League Spring Servicer Summit in Dallas, former Navy cryptologist Joe Lara urged leaders to confront declining employee engagement by embracing humility, agility, and authentic connection.
- [From Collector to COO: Joshua Bishop on Building Culture Through Transparency](https://themortgagepoint.com/2026/04/09/from-collector-to-coo-joshua-bishop-on-building-culture-through-transparency/) - At the Legal League Spring Servicer Summit, Newrez/ Shellpoint COO Joshua Bishop shared how his unconventional career path helped him foster collaboration, reduce attrition, and bridge gaps across origination and servicing teams.
- [The Exchange: Charlie Wise, SVP, Research and Consulting, TransUnion](https://themortgagepoint.com/2026/04/30/the-exchange-charlie-wise-svp-research-and-consulting-transunion/) - TransUnion’s Charlie Wise explains why mortgages and personal loans will drive 2026 lending growth, even as rates, inflation, and uneven demand shape a slower, more normalized credit market
- [An Unpriced Threat to Housing Finance](https://themortgagepoint.com/2026/04/30/an-unpriced-threat-to-housing-finance/) - White paper co-author Anand Srinivasan explains why natural hazards are an unpriced, asymmetric threat, and how servicers must adapt as insurance costs surge and weather volatility intensifies.
- [A Unifying Vision for Mortgage Servicing's Next Chapter](https://themortgagepoint.com/2026/04/30/a-unifying-vision-for-mortgage-servicings-next-chapter/) - Incoming National Mortgage Servicing Association (NMSA) Chair Patrick Coon discusses collaboration, operational excellence, and navigating AI and climate risk in a rapidly evolving servicing landscape.
- [Counsel's Corner: Natalie L. Winslow, Partner, Atlas | Solomon LLP](https://themortgagepoint.com/2026/04/29/counsels-corner-natalie-l-winslow-partner-atlas-solomon-llp/) - Drawing on extensive courtroom experience and advisory work for financial services clients, Atlas | Solomon’s Natalie L. Winslow explains what today’s conditions mean across the mortgage ecosystem.
- [Fannie Mae Publicizes Sale of Reperforming Loans ](https://themortgagepoint.com/2026/06/02/fannie-mae-publishes-recent-sale-of-reperforming-loans/) - Fannie Mae has started advertising the reperforming loans it is offering for sale, where qualified bidders may purchase the thousands of loans that have an estimated outstanding principal sum of more than $560 million.
- [Measuring Mortgage Application Payment Activity  ](https://themortgagepoint.com/2026/06/02/measuring-mortgage-application-payment-activity/) - According to the Mortgage Bankers Association's (MBA) Purchase Applications Payment Index, homebuyer affordability decreased in April as the national median payment requested by purchase applications rose in March.
- [AI Wealth Is Reshaping the Bay Area Housing Market](https://themortgagepoint.com/2026/06/02/ai-wealth-is-reshaping-the-bay-area-housing-market/) - The AI boom is reshaping Bay Area real estate in California and according to Realtor.com, its impact is most visible at the closing table. In 2025, Bay Area luxury homebuyers put down a median of 35% on their home purchases, a full 6.6 percentage points above where they stood before the rate surge of 2023.
- [Investor Home Purchases Dip as Housing Costs Squeeze Potential Returns](https://themortgagepoint.com/2026/06/01/investor-home-purchases-dip-as-housing-costs-squeeze-potential-returns/) - According to recent Redfin data, investors' prospective profits are being restricted by rising housing costs nationwide, representing a slower-than-normal property market and a cooling rental market.
- [Berkshire Hathaway Buys Homebuilder Taylor Morrison for $6.8B ](https://themortgagepoint.com/2026/06/01/berkshire-hathaway-buys-homebuilder-taylor-morrison-for-6-8b/) - The deal creates the fourth-largest homebuilding company in the nation and suggests Berkshire could be positioning for a recovery in U.S. housing demand despite elevated mortgage rates and longstanding affordability pressures.
- [Pandemic Loan Fraud Raised Nationwide Home Prices](https://themortgagepoint.com/2026/06/01/pandemic-loan-fraud-raised-nationwide-home-prices/) - According to the Federal Reserve Bank of St. Louis, the median sale price of homes sold in the U.S. increased by nearly 40% between the end of 2019 and the end of 2022, with financial fraud being a factor.
- [‘Borderline Desperate’ Buyers Win Bidding Wars, But Risk Their Deals Over Low Appraisals](https://themortgagepoint.com/2026/05/31/borderline-desperate-buyers-win-bidding-wars-but-risk-their-deals-over-low-appraisals/) - Desperate to win bidding wars in low-supply, high-demand markets, buyers often will offer far above the asking price, only to see the transaction stall because the appraisal falls short of mortgage requirements.
- [Affordability Improvements Fluctuate Amid Market Shifts ](https://themortgagepoint.com/2026/05/29/affordability-improvements-fluctuate-amid-market-shifts/) - While April saw minor improvements in homebuying affordability due to a drop in mortgage rates and an increase in wages, the average income needed to buy a home was nearly $30,000 more than the average American salary. Further, in May, mortgage rates increased again, potentially reversing some of the April advances in affordability.
- [Wells Fargo to Provide Mortgage Incentives for 3D-Printed Homes ](https://themortgagepoint.com/2026/05/29/mortgage-incentives-for-3d-printed-homes-to-be-provided-by-wells-fargo/) - Buyers of 3D-printed homes will be able to take advantage of Wells Fargo's mortgage incentives, as the banking giant reported that purchasers of Icon homes utilizing its mortgages could receive a 50-basis point lender credit.
- [New York Passes Mamdani’s Pied-à-Terre Tax on Pricey Second Homes](https://themortgagepoint.com/2026/05/29/new-york-passes-mamdanis-pied-a-terre-tax-on-valuable-second-homes/) - State lawmakers passed a tax on nonprimary residences in New York City to help close the city’s budget gap. The so-called pied-a-terre tax will be imposed on second homes valued at $1 million or more and will take effect in two different phases.
- [Mortgage Delinquencies Climb in Multiple States as Homeowners Struggle to Keep Up ](https://themortgagepoint.com/2026/05/26/delinquencies-vary-nationwide-as-homeowners-struggle-to-keep-up-with-mortgages/) - In a new WalletHub study, user data from Q4 2025 to Q1 2026 identified the states where mortgage payments are most difficult to make and the regions where borrowers are more on schedule.
- [Florida Governor Calls for Vote on Sweeping Property Tax Cut](https://themortgagepoint.com/2026/05/29/florida-governor-calls-for-vote-on-sweeping-property-tax-cut/) - If Republican legislative leaders go along with Gov. Ron DeSantis' plan, it will give the GOP a way to argue it is addressing the state’s affordability crisis heading into the midterms.
- [Fair Housing Advocates Sue CFPB Over ‘Disparate Impact’ Lending Rule Reversal](https://themortgagepoint.com/2026/05/28/cfpb-sued-over-new-rule-that-would-weaken-fair-lending-laws/) - Civil rights organizations allege the CFPB’s revised Equal Credit Opportunity Act rule weakens longstanding fair lending protections and could increase discrimination against minority borrowers.
- [Household Income for Mortgage Affordability Falls Again](https://themortgagepoint.com/2026/05/28/household-income-for-mortgage-affordability-falls-again/) - While affordability improved modestly in April as mortgage rates eased and wages climbed, the income needed to buy the median-priced home still far exceeds the average U.S. household income.
- [Renters Find Financial Relief in Recent 'Building Boom'](https://themortgagepoint.com/2026/05/28/renters-find-financial-relief-in-recent-building-boom/) - As the spring season heats up, nearly half of all rental ads on Zillow include a concession, such as a free month of rent, waived fees, or reduced move-in charges, representing the largest percentage recorded for this time of year.
- [Fed Official: Persistent Inflation Could Force Future Rate Hikes ](https://themortgagepoint.com/2026/05/28/fed-official-central-bank-could-respond-to-inflation-with-a-series-of-rate-hikes/) - Minneapolis Fed President Neel Kashkari said this week that ultimately, the Fed could undertake a series of rate hikes if inflation pressures related to the turmoil in the Middle East persist with higher oil and gas prices, inflation expectations continuing to climb, and the stock market pushing higher. The Fed and its new Chair, Kevin
- [Luxury Home Demand Accelerates as High-End Buyers Shrug Off Mortgage Rates ](https://themortgagepoint.com/2026/05/27/upscale-property-homebuying-selling-driving-luxury-price-increases/) - According to Redfin, the demand for luxury real estate among homebuyers has increased nationwide, with the median price of luxury sale prices climbing year-over-year, more than doubling the gain in non-luxury pricing.
- [California’s Housing Crisis Fuels Growth in ‘Super Commuters’ ](https://themortgagepoint.com/2026/05/27/high-housing-costs-steer-california-as-a-top-state-for-super-commuters/) - One in 11 California workers spend at least one hour driving to work, according to a recent study by the Public Policy Institute of California.
- [Property Tax Bills Jumped Across All Major U.S. Metros in 2024 ](https://themortgagepoint.com/2026/05/27/property-taxes-rose-in-every-large-u-s-metro-between-2023-and-2024/) - LendingTree reports property taxes increased in every top metro area year-over-year, with mortgaged homeowners paying nearly $1,000 more annually than owners without mortgages.
- [Lower-Cost Metros Providing Home Shoppers More Optimism ](https://themortgagepoint.com/2026/05/27/lower-cost-metros-providing-home-shoppers-more-optimism/) - Realtor.com reported an increase in new listings in six Rust Belt cities, all of which boast median list prices under $300,000, giving prospective buyers more options to afford a home in today's costly housing market.
- [NYC Mayor Unveils New Affordable Housing Plan for City ](https://themortgagepoint.com/2026/05/26/nyc-mayor-unveils-plan-to-increase-affordable-housing-in-city/) - Called "Block by Block: The Housing Plan for a New Era," the program encompasses a wide swath of housing policy, from new construction and tenant protections to public housing, homeownership, and worker protections.
- [FHFA Report: House Prices Continued Rise in Q1 2026  ](https://themortgagepoint.com/2026/05/26/house-prices-continue-to-rise-fhfa-report-says/) - According to the U.S. Federal Housing (FHFA) House Price Index, home price growth remained positive nationally as 42 states recorded annual gains, with Illinois leading the pack.
- [Home Contract Cancellations Ease as Buyers Adjust to Higher Mortgage Costs ](https://themortgagepoint.com/2026/05/26/housing-demand-inches-upward-as-home-purchase-cancellations-moderate/) - According to Redfin, contract cancellations decreased modestly in April as overall housing demand increased, with buyers and sellers developing a better understanding of the property market following years of uncertainty.
- [Twelve Emerging Luxury Markets Gaining High-End Ground ](https://themortgagepoint.com/2026/05/26/12-emerging-luxury-markets-are-gaining-high-end-ground/) - While the traditional coastal powerhouses of New York and California continue to anchor the U.S. luxury market, a new tier of high-end activity is taking hold in mid-sized metros across the country.
- [Examining Middle-Class Homeownership & Mortgage Innovation Sustainability ](https://themortgagepoint.com/2026/05/25/examining-middle-class-homeownership-mortgage-innovation-sustainability/) - To further investigate and understand how middle-class access to homeownership has evolved between the late 1960s and the early 2020s, AD Mortgage conducted a survey that reveals how the relationship between household income and home prices has evolved over past decades.
- [Rhode Island City Tops Summer’s Hottest Rental Markets List](https://themortgagepoint.com/2026/05/25/rhode-island-city-tops-summers-hottest-rental-markets-list-for-2026/) - The popular coastal metro of Providence, Rhode Island, is "turning up the heat this summer," according to Zillow’s hottest rental markets list, with the state capital topping the list and surpassing the Big Apple and San Francisco for the number one spot.
- [Home Prices Grew Year-Over-Year in Almost Half of Census Opportunity Zones](https://themortgagepoint.com/2026/05/22/home-prices-grew-year-over-year-in-almost-half-of-census-opportunity-zones/) - Median home prices rose annually in 44.6% of Opportunity Zone census tracts, and Nearly 31% of Opportunity Zone census tracts saw double-digit home price growth in Q1, according to ATTOM.
- [Study Shows How Much Homebuyers Can Save by Refinancing in 2026](https://themortgagepoint.com/2026/05/21/study-shows-how-much-homebuyers-can-save-by-refinancing-in-2026/) - According to a recent LendingTree study, over one-third of homeowners who obtained a 30-year, fixed-rate mortgage between 2023 and 2025 might save thousands a year by refinancing at market rates seen in early April 2026.
- [Kevin Warsh Sworn in as Federal Reserve Chair ](https://themortgagepoint.com/2026/05/22/kevin-warsh-sworn-in-as-federal-reserve-chair/) - In a ceremony at the White House, President Donald Trump lauded Warsh’s background as he becomes the 11th Fed Chair of the modern era.
- [Former U.S. Rep. Barney Frank Dies at 86 ](https://themortgagepoint.com/2026/05/20/former-u-s-rep-barney-frank-dies-at-86/) - Frank, along with then-Sen. Chris Dodd, was a namesake of the landmark Dodd-Frank financial reform bill in 2010 that tightened banking regulations in response to the 2007–2008 financial crisis.
- [Home Sellers Chopping Prices to Entice Buyers](https://themortgagepoint.com/2026/05/22/home-sellers-chopping-prices-to-entice-buyers/) - According to recent Redfin research, almost one-third of American home sellers lowered their asking prices in April, and, on a seasonally adjusted basis, that represents a modest decrease from both a record high in August and a month before.
- [Parents with Home Equity May Help in Purchasing Property for Children](https://themortgagepoint.com/2026/05/25/parents-with-home-equity-may-help-in-purchasing-property-for-children/) - According to a recent Northwestern Mutual survey, nearly three-quarters of parents with children at home said they would consider or have already begun making financial plans to assist their children in purchasing a home one day, as many first-time buyers remain hindered by elevated rates and rising home prices.
- [Spring Contract Signings Hit a Four-Year High As Sellers Get Competitive ](https://themortgagepoint.com/2026/05/22/spring-contract-signings-hit-a-four-year-high-as-sellers-get-competitive-on-price/) - Contract signings are up 4.5% as the Spring housing market becomes more active than at any point since rates surged In 2022, according to a new Realtor.com report.
- [Florida Location is Redfin’s Hottest Neighborhood of 2026](https://themortgagepoint.com/2026/05/22/florida-location-is-redfins-hottest-neighborhood-of-2026/) - Land O’Lakes, Florida is Redfin’s hottest neighborhood of 2026, with nearby Plant City, Florida close behind, according to a new report detailing where house hunters are showing interest.
- [Study Reveals Most Affordable Cities to Buy a Home](https://themortgagepoint.com/2026/05/22/study-reveals-most-affordable-cities-to-buy-a-home/) - WalletHub analyzed 300 U.S. cities using 10 key metrics, including home purchase and maintenance costs, tax rates, and vacancy rates in its study.
- [Home Sales Have Rebounded Where Buyers Have Choices ](https://themortgagepoint.com/2026/05/22/home-sales-have-rebounded-where-buyers-have-choices/) - According to Zillow, homes are typically sold after 17 days — roughly in line with pre-pandemic norms. Inventory has fully recovered in 19 major metros — concentrated in the South and West — where sales growth is strongest.
- [Q2 Zombie Properties Rise in Nearly 80% of U.S.](https://themortgagepoint.com/2026/05/21/q2-zombie-properties-rise-in-nearly-80-of-u-s/) - According to recent ATTOM data, the number of zombie homes in foreclosure rose in over half of all U.S. states during the second quarter of 2026, while the national vacancy rate remained essentially unchanged. A new report reveals more.
- [Builders Keep ‘One Foot on the Brake’ as Housing Starts Decline ](https://themortgagepoint.com/2026/05/21/housing-starts-fall-less-than-expected-in-april-building-permits-rise-more-than-consensus/) - U.S. housing starts declined month-over-month to a seasonally adjusted annual rate of 1.465 million in April, higher than the 1.410 million consensus, according to data released by the U.S. Census Bureau.
- [Home Prices Continue to Climb Even as Buyers Retain Bargaining Power ](https://themortgagepoint.com/2026/05/21/u-s-home-prices-rose-0-2-in-april-new-report-shows/) - The Redfin Home Price Index showed modest monthly price growth as an improving labor market supported buyer activity despite elevated inventory levels.
- [Multifamily Mega-Merger: Equity Residential and AvalonBay to Combine in $69B Deal ](https://themortgagepoint.com/2026/05/21/multifamily-mega-merger-equity-residential-and-avalonbay-to-combine-in-69b-deal/) - Two of the nation’s largest apartment landlords have agreed to an all-stock merger, creating a 180,000-unit REIT.
- [Pending Home Sales Edge Higher as U.S. Housing Market Stabilizes](https://themortgagepoint.com/2026/05/20/nar-pending-home-sales-report-shows-increase-in-april/) - The National Association of Realtors reported gains in April pending sales across most regions, signaling gradual improvement rather than a full market rebound.
- [U.S. House Passes Amended Version of Housing Bill, Sends it Back to Senate ](https://themortgagepoint.com/2026/05/20/u-s-house-pass-amended-version-of-housing-bill-sends-it-back-to-senate/) - In a 396-13 vote, with all the votes against coming from Republicans, the House's resolution makes changes to the landmark bill that previously passed the Senate, 89-10.
- [New Home Purchase Mortgage Applications Dip in April ](https://themortgagepoint.com/2026/05/20/new-home-purchase-mortgage-applications-dip-in-april/) - Mortgage applications for new home purchases fell from a year earlier, according to the Mortgage Bankers Association Builder Application Survey for April, as applications decreased in April compared to March, partly due to continued economic uncertainty and rising mortgage rates.
- [HUD Announces Regulatory Best Practices to Boost Building, Increase Homeownership](https://themortgagepoint.com/2026/05/20/hud-announces-regulatory-best-practices-to-boost-building-increase-homeownership/) - The Department of Housing and Urban Development (HUD) announced a series of regulatory actions for state and local governments to increase efficiency and ease regulatory barriers to housing construction and affordability. The actions are included in the State and Local Best Practices for Home Construction Report, issued by HUD. “HUD is encouraging our state and
- [Gen Z: More People in Their 20s are Beating the Odds and Buying Homes](https://themortgagepoint.com/2026/05/19/gen-z-more-people-in-their-20s-are-beating-the-odds-and-buying-homes/) - A small but growing share of Gen Zers are managing to buy a home despite historically unaffordable prices, even as the average age of first-time buyers has climbed to 40. They are outpacing millennials, many of whom also struggled to buy at the same age.
- [Builder Sentiment Posts Gain in May Despite Significant Affordability Challenges](https://themortgagepoint.com/2026/05/19/builder-sentiment-posts-gain-in-may-despite-significant-affordability-challenges/) - The National Association of Home Builders and Wells Fargo said builder confidence improved modestly as some buyers returned to the market, though elevated mortgage rates and economic uncertainty continue to weigh on demand.
- [Ranked: The Best Places for Veterans & Military Families to Put Down Roots ](https://themortgagepoint.com/2026/05/19/study-ranks-the-best-places-for-veterans-military-families-to-put-down-roots/) - Veterans United Home Loans has released its 2026 rankings for the top 10 best locations for veterans and military families to settle down, with the majority of locations being found in large metro areas with warm climates. Click through to learn what factors the rankings take into account.
- [Housing Market Slowdown Fuels Nationwide Down Payment Declines ](https://themortgagepoint.com/2026/05/19/housing-market-slowdown-fuels-nationwide-down-payment-declines/) - According to Realtor.com data, down payments reached a four-year low in Q1 2026, and while still above pre-pandemic levels, amounts have decreased for four straight quarters, reflecting increased housing inventory and home price moderation.
- [NYC Mayor Unveils Reforms to Fast-Track Affordable Housing Development](https://themortgagepoint.com/2026/05/19/nyc-mayor-unveils-reforms-to-fast-track-affordable-housing-development/) - Zohran Mamdani has unveiled a plan to quicken the leasing process for nearly 10,000 apartments. The "SPEED" program stands for Streamlining Procedures to Expedite Equitable Development.
- [Rocket, UWM Escalate Mortgage Industry Rivalry With $100M Lawsuit ](https://themortgagepoint.com/2026/05/18/rocket-mortgage-sues-rival-uwm-for-100-million/) - The latest clash between mortgage giants centers on allegations that UWM violated non-solicitation agreements connected to loans serviced by Mr. Cooper.
- [Zillow: Dual Agency, Off-MLS Sales Cost Home Sellers Billions](https://themortgagepoint.com/2026/05/18/home-sellers-face-heightened-dual-agency-transactions/) - The study found consistent seller losses tied to same-agent representation and private home sales across the 2023–2025 housing market cycle.
- [Fed Names Powell Temporary Chair Until Warsh is Sworn in on Friday](https://themortgagepoint.com/2026/05/18/fed-names-powell-temporary-chair-while-warsh-awaits-swearing-in/) - Even though his term as Chair formally expired last week, Jerome Powell received a Chair Pro Tempore designation from the Federal Reserve Board, a stopgap arrangement to maintain continuity until Kevin Warsh is sworn in.
- [Section 8 Renters Find Relief as Atlanta Offers Down Payment Assistance](https://themortgagepoint.com/2026/05/18/section-8-renters-find-relief-as-atlanta-offers-down-payment-assistance/) - In an effort to further support rent-voucher applicants in their transition to homeownership, Atlantans enrolled in AH's Housing Choice Voucher Program will have access to a new down payment initiative.
- [Buyer’s Market Advantage Fades as Home Seller-Buyer Gap Narrows ](https://themortgagepoint.com/2026/05/12/housing-market-shifts-towards-buyers-but-negotiating-power-may-have-hit-its-peak/) - A narrowing gap between home sellers and buyers suggests negotiating power may be moving off its recent peak, even as affordability pressures continue to sideline many would-be purchasers.
- [Rising Mortgage Rates Stall Spring Housing Recovery ](https://themortgagepoint.com/2026/05/08/new-listing-growth-outpaced-sales-as-elevated-rates-stalled-buying-activity/) - Higher mortgage rates in April halted the spring recovery Zillow had predicted at the beginning of the year, resulting in higher sales throughout March, while new listings increased annually more than home sales for the first time in 2026.
- [Pending Home Sales Reach Their Highest Level Since 2022](https://themortgagepoint.com/2026/05/15/pending-home-sales-reach-their-highest-level-since-2022/) - According to a recent study, U.S. pending home sales increased year-over-year, reaching their highest level since September 2022 on a seasonally adjusted basis, as more buyers "may lose some negotiating power," according to Chen Zhao, Head of Economics Research at Redfin.
- [Senate Confirms Kevin Warsh as Next Fed Chair](https://themortgagepoint.com/2026/05/13/senate-confirms-kevin-warsh-as-next-fed-chair/) - The U.S Senate voted 54-45 Wednesday along party lines to confirm President Donald Trump’s nominee to succeed Jerome Powell as head of the Federal Reserve.
- [House Changes to Investor Restrictions Threaten Bipartisan Housing Bill ](https://themortgagepoint.com/2026/05/15/senate-republicans-frustrated-in-clash-with-house-over-housing-bill/) - GOP senators warn House revisions to the bipartisan 21st Century ROAD to Housing Act could jeopardize one of Congress’ most significant housing packages in decades.
- [Gen Z Homebuyers Making Their Mark on Housing Market](https://themortgagepoint.com/2026/05/15/gen-z-homebuyers-making-their-mark-on-todays-housing-market/) - Although they now account for a sizable portion of mortgage activity nationwide, younger buyers are more prevalent in some locations than others, with their impact being far less noticeable in expensive coastal cities and more visible in more reasonably priced Midwestern metros.
- [Report: Newly Built Homes Save Owners More Than $25K Over 10 Years](https://themortgagepoint.com/2026/05/15/new-homes-save-buyers-25k-over-10-years-offsetting-higher-upfront-costs/) - Lower utility costs and fewer major repairs help offset higher upfront prices for new construction homes, according to new Realtor.com research.
- [U.S. Property Prices Post Largest Gain in Over a Year](https://themortgagepoint.com/2026/05/14/u-s-property-prices-post-largest-gain-in-over-a-year/) - The median price of U.S. homes increased year-over-year, representing the largest rise since March 2025, with prospective homeowners nationwide stepping off the sidelines as the nationwide labor market stabilized.
- [Foreclosure Starts and REOs Rise as Lenders Work Through Distressed Inventory ](https://themortgagepoint.com/2026/05/14/u-s-foreclosure-activity-trends-higher-in-april/) - Total foreclosures are up from a year ago, according to the April 2026 U.S. Foreclosure Market Report, while completed foreclosures (REOs) ticked up yearly, with overall activity "remaining significantly below pre-pandemic levels," according to Rob Barber, CEO of ATTOM.
- [CFPB Plans Return-to-Office Recall as Legal and Funding Battles Intensify ](https://themortgagepoint.com/2026/05/14/cfpb-reportedly-will-bring-staff-back-to-office-a-year-after-hq-shuttered/) - Leaders at the U.S. consumer finance watchdog agency plan to recall staff to the office more than a year after the Trump administration closed its Washington headquarters and tried to eliminate the workforce.
- [House Housing Bill Preserves Limits on Wall Street Homebuying, Softens Investor Restrictions ](https://themortgagepoint.com/2026/05/14/u-s-house-releases-amended-housing-bill-text-plans-vote-for-next-week/) - The final House text would maintain restrictions on Wall Street’s purchase of single-family homes — a priority for President Donald Trump — but would significantly scale back the Senate bill’s limitations on so-called institutional investors in the housing market.
- [Wealthy Still Buying High-End Manhattan Real Estate Despite Proposed Tax](https://themortgagepoint.com/2026/05/12/wealthy-still-buying-high-end-manhattan-real-estate-despite-proposed-tax/) - High-end real estate sales in Manhattan rose in the past month, according to new data, despite New York Mayor Zohran Mamdani’s proposed pied-à-terre tax that brokers warn could cause a wealth flight.
- [New Analysis: Tax Burdens May Be Keeping Vacant Homes Off the Market ](https://themortgagepoint.com/2026/05/13/measuring-the-holding-costs-profits-of-exit-tax/) - According to a recent Flock Homes survey, in nearly 50 metro areas, the expected tax hit from selling a property was greater than the modeled cost of keeping it unoccupied for at least five years, with some homeowners finding that holding on to an empty home makes more financial sense.
- [Mamdani Unveils Balanced NYC Budget, Drops Property Taxe Hike Plans ](https://themortgagepoint.com/2026/05/13/mamdani-balances-nyc-budget-with-no-property-tax-hike/) - The mayor’s new fiscal plan avoids raising property taxes broadly, but a proposed surcharge on expensive second homes is already drawing criticism from business leaders.
- [Distressed Property Auction Buyers Dominating Local Markets](https://themortgagepoint.com/2026/05/13/distressed-property-auction-buyers-dominating-local-markets/) - Auction.com’s 2026 Buyer Insights Report found that nearly all buyers purchased 10 or fewer properties in 2025, while the overwhelming majority identified as local community developers or owner-occupants.
- [Multifamily Construction Starts Fall to Lowest Level Since 2011 ](https://themortgagepoint.com/2026/05/13/apartment-construction-continues-to-pull-back-as-development-pipelines-contract/) - New apartment development activity continued to retreat in Q1 2026 as weaker rent growth, elevated financing costs, and rising expenses pressured project feasibility nationwide.
- [Trump Pushes Congress to Pass Senate’s Housing Bill ](https://themortgagepoint.com/2026/05/12/trump-demands-congress-pass-senates-housing-bill/) - The president on Monday demanded that Congress pass the Senate housing package, the 21st Century ROAD to Housing Act, amid a stalemate with the House over how to advance housing affordability legislation.
- [Remembering the Industry’s Ingrid Jaschok](https://themortgagepoint.com/2026/04/16/remembering-the-industrys-ingrid-jaschok/) - The Cenlar SVP and respected industry leader leaves behind a 25-year legacy of innovation, mentorship, and compassion in mortgage servicing.
- [Survey: Boston Housing Costs Fuel Growing Youth Exodus ](https://themortgagepoint.com/2026/05/12/bostonian-gen-zers-distressed-by-rising-costs-as-many-seek-to-relocate/) - According to a recent Realtor.com survey, the popular Boston metro is facing large-scale outbound migration of young Americans who are being forced to relocate to more affordable areas due to soaring housing costs.
- [Zillow Files Federal Antitrust Lawsuit Against Compass, Chicago-area MLS Over Private Listings ](https://themortgagepoint.com/2026/05/12/zillow-sues-compass-chicago-area-mls-in-federal-court-over-private-listings/) - The home search company filed a federal antitrust lawsuit against Midwest Real Estate Data and Compass International Holdings on Tuesday, alleging they conspired to harm Zillow and strong-arm it into displaying listings that follow Compass’ private marketing plan.
- [Senate Confirms Warsh as Fed Governor, Clearing Way to Replace Powell as Chair](https://themortgagepoint.com/2026/05/12/senate-confirms-warsh-as-fed-governor-clearing-way-to-replace-powell-as-chair/) - The chamber voted 51-45 to confirm Kevin Warsh to a 14-year term as one of the Fed's seven governors. The Senate still needs to vote separately to confirm Warsh as chair of the Board of Governors, replacing Jerome Powell, whose term ends Friday.
- [Cash Assistance Program Launched for Eaton Fire Renters in LA](https://themortgagepoint.com/2026/05/12/cash-assistance-program-launched-for-eaton-fire-renters-in-la/) - Renters impacted by the Eaton Fire in Los Angeles last year can apply for a new long-term direct cash assistance program designed to help households recover from the disaster’s continuing financial effects.
- [Kevin Warsh Likely to be Confirmed as Fed Chair This Week](https://themortgagepoint.com/2026/05/11/kevin-warsh-likely-to-be-confirmed-as-fed-chief-this-week/) - The full Senate vote on President Trump's nomination of Kevin Warsh to be the next Fed Chair could come this week with procedural hurdles likely cleared by Wednesday, according to reports. Jerome Powell's term as Chief ends on Friday.
- [Q1 Commercial/Multifamily Borrowing Shows Shifting Trends ](https://themortgagepoint.com/2026/05/11/q1-commercial-multifamily-borrowing-showed-shifting-trends/) - According to the Mortgage Bankers Association's Quarterly Survey of Commercial/Multifamily Mortgage Bankers Originations, multifamily and commercial mortgage loan originations fell from Q4 of 2025, but increased from the same period last year.
- [Administration Wants Interest Rates Low as Fannie's Mortgage Holdings Soar ](https://themortgagepoint.com/2026/05/11/trump-attempts-to-keep-interest-rates-low-as-fannies-mortgage-holdings-soar/) - As the Trump administration suggests it is working to curb persistently high mortgage rates, the GSE has more than doubled its mortgage portfolio in the last 12 months.
- [Existing Home Sales Rise Less Than Expected in April ](https://themortgagepoint.com/2026/05/11/existing-home-sales-rise-less-than-expected-in-april/) - Existing home sales increased by 0.2% in April. Month-over-month sales increased in the Midwest and South, were unchanged in the Northeast, and declined in the West, according to a report by the National Association of Realtors.
- [Carrington Mortgage Services Acquires Valon Mortgage](https://themortgagepoint.com/2026/05/08/carrington-mortgage-services-acquires-valon-mortgage/) - The acquisition will add roughly 800,000 loans to Carrington's portfolio, and Carrington will adopt ValonOS as its core servicing platform.
- [NYC Board Opens Door to Rent Freeze, But Leaves Hikes on the Table ](https://themortgagepoint.com/2026/05/08/nyc-board-opens-door-to-rent-freeze-but-leaves-rent-hikes-on-the-table/) - The New York City Rent Guidelines Board advanced preliminary rent ranges that could allow a freeze for the city’s more than 2 million rent-stabilized tenants. It left open the possibility of another increase, however, setting up a June vote that will test Mayor Zohran Mamdani’s key campaign promise.
- [Sky-High Price Premiums on Newly Built Properties Outpace Existing Homes](https://themortgagepoint.com/2026/05/08/sly-high-price-premiums-on-newly-built-properties-outpace-existing-homes/) - A new Realtor.com report finds suburban developments dominate the housing pipeline, while limited urban inventory pushes new-construction prices sharply higher nationwide.
- [Nearly 4 Million U.S. Homes Now House Multiple Generations](https://themortgagepoint.com/2026/05/05/nearly-4-million-u-s-homes-now-house-multiple-generations/) - A new Realtor.com report finds multigenerational homes command a 65% price premium yet still attract significantly more buyer interest than standard listings .
- [Powell Says He Won’t be a ‘Shadow Chair’ ... But is a Warsh Clash Inevitable?](https://themortgagepoint.com/2026/05/01/powell-says-he-wont-be-a-shadow-chair-but-is-a-warsh-clash-inevitable/) - When the Federal Open Market Committee gathers again in mid-June, it will mark the first time a sitting and former Chair have conducted central bank business together in nearly 80 years.
- [Soaring Home Insurance Costs Add Pressure to Housing Affordability ](https://themortgagepoint.com/2026/05/04/average-growth-rate-of-homeowners-insurance-premiums-moderates-in-2025/) - The average annual homeowners insurance premium increased between year-end 2021 and 2025, indicating more than a 60% rise. However, recent Newrez research revealed that the overall growth rate decreased in 2025, representing the smallest rate since 2021.
- [Are 'Buyer's Markets' Resurfacing in Once Unaffordable U.S. Regions?](https://themortgagepoint.com/2026/05/01/are-buyers-markets-resurfacing-in-once-unaffordable-u-s-regions/) - The U.S. housing market has changed not only significantly but disproportionately since the global pandemic, offering today's potential homebuyers more options in some unexpected regions, according to new Bankrate data.
- [ATTOM: Equity-Rich Homeowners Decline as Underwater Mortgages Rise ](https://themortgagepoint.com/2026/05/07/q1-home-equity-rates-continue-decreasing-trend-nationwide/) - According to ATTOM's Q1 2026 U.S. Home Equity & Underwater Report, higher mortgage rates and cooling home prices pushed the share of equity-rich homes to its lowest level since 2021 in Q1 2026.
- [Fed’s Kashkari Warns Iran War Could Delay Rate Cuts, Raise Inflation Risks ](https://themortgagepoint.com/2026/05/04/fed-official-wont-rule-out-rate-hikes-as-iran-conflict-fuels-inflation/) - Minneapolis Fed President Neel Kashkari said Sunday that a prolonged Iran conflict increases inflation risks and economic damage, limiting the Fed's ability to provide clear rate guidance, according to his appearance on CBS's Face the Nation.
- [Pending Home Sales Hit Highest Level in Almost 4 Years](https://themortgagepoint.com/2026/05/08/pending-home-sales-hit-highest-level-in-almost-4-years/) - U.S. pending home sales hit their highest level since September 2022 during the four weeks ending May 3, according to a new report from Redfin.
- [Startup is Deploying $100M to Put Real Estate Deals on the Blockchain](https://themortgagepoint.com/2026/05/08/startup-is-deploying-100m-to-put-real-estate-deals-on-the-blockchain/) - Propy, a Miami-based blockchain technology, has been trying to modernize the closing process for residential homes, and it recently secured a $100M credit facility from a private investment firm.
- [MISMO Updates ‘Life of Loan’ Model With AI, Credit Monitoring Enhancements ](https://themortgagepoint.com/2026/05/07/mismo-launches-updated-life-of-a-loan-model-offering-additional-tools-for-mortgage-processes/) - The Mortgage Bankers Association has announced enhancements to the MISMO Life of Loan platform, with the latest version including artificial intelligence guidance, preclosing verification updates, and expanded credit monitoring workflows.
- [Housing Market Accelerated in March Despite Mortgage Rate Spike](https://themortgagepoint.com/2026/05/07/housing-market-accelerated-in-march-despite-mortgage-rate-spike/) - According to a new Zillow report, March home shopping activity accelerated as pent-up demand and earlier affordability gains offset concerns over higher borrowing costs.
- [Luxury Bay Area Homes Surge as AI Economy Widens Housing Gap ](https://themortgagepoint.com/2026/05/07/bay-area-luxury-home-prices-jump-13-since-launch-of-chatgpt/) - Redfin reports home prices during the AI boom have surged far faster in the Bay Area’s luxury ZIP codes than its non-luxury ZIP codes, a split not seen before the launch of GPT-3.5 or in other major U.S. metros.
- [Fed’s Collins Pushes to Remove Rate-Cut Bias From Policy Guidance ](https://themortgagepoint.com/2026/05/07/boston-fed-president-expects-interest-rates-to-hold-but-cuts-are-still-possible/) - Boston Fed President Susan Collins backed holding rates steady and urged the Fed to strip out language that implicitly points to cuts as the next move.
- [Millions of Renter Households Remain Cost-Burdened Despite Decelerating Rent Growth ](https://themortgagepoint.com/2026/05/06/millions-of-cost-burdened-renter-households-remain-despite-decelerating-rent-growth/) - According to a new Zillow estimate, cost-burdened renter households increased in 2023 to more than 20 million in 2024, with nearly 11 million severely pressured renter households existing in today's market.
- [AI Data Centers Move Into Homes as Builders Test New Revenue Model](https://themortgagepoint.com/2026/05/06/nvidia-pultegroup-helping-a-startup-put-mini-data-centers-on-homes/) - Span and Nvidia are partnering with PulteGroup to pilot residential “node” systems that could offset homeowner energy costs while easing grid strain.
- [California Seeks to Penalize Insurer for Its Handling of LA Wildfire Claims](https://themortgagepoint.com/2026/05/06/california-seeks-to-penalize-insurer-for-its-handling-of-la-wildfire-claims/) - California is seeking millions of dollars in penalties from State Farm after an investigation found the insurance company was slow to investigate and underpaid claims from the 2025 Los Angeles-area wildfires, regulators announced.
- [Existing-Home Sales Forecast Reveals Potential Good News for the Spring Homebuying Season ](https://themortgagepoint.com/2026/05/06/existing-home-sales-forecast-reveals-potential-good-news-for-the-spring-homebuying-season/) - Although overall sales are still below historical averages, the housing market is still showing some signs of improvement as the spring home-buying season heats up, according to First American's Existing-Home Sales Outlook Report, predicting a slight increase in existing-home sales in April.
- [Highlands Expands into Ohio with Acquisition of The Equitable Mortgage Corp.](https://themortgagepoint.com/2026/05/05/highlands-expands-into-ohio-with-acquisition-of-the-equitable-mortgage-corp/) - Allen, Texas-based Highlands Residential Mortgage has acquired Equitable Mortgage Corp., a company that has spent more than three decades serving clients and real estate partners across Central Ohio, with an additional presence in Southwest Florida.
- [March 2026 Single-Family Home Sales Gain Momentum](https://themortgagepoint.com/2026/05/05/march-2026-single-family-home-sales-gain-momentum/) - According to estimates released jointly by the U.S. Census Bureau and the Department of Housing and Urban Development, sales of new single-family houses in March 2026 were at a seasonally adjusted annual rate of 682,000.
- [FHLBanks Deployed Billions in Targeted Housing, Community Investment Over Past Decade  ](https://themortgagepoint.com/2026/05/05/fhlbanks-deployed-billions-in-targeted-housing-community-investment-between-2015-2024/) - A new Urban Institute study finds the FHLBank system’s housing and community programs continue to deliver large-scale investment in affordable housing and local economic development.
- [AI Data Center Boom Faces Local Pushback Across U.S. Housing Markets ](https://themortgagepoint.com/2026/05/05/nearly-half-of-americans-oppose-ai-data-centers-in-their-neighborhoods/) - A study commissioned by Redfin finds growing resistance to data center construction, citing concerns over factors such as energy use, environmental impact, and community disruption.
- [Housing Starts Are Up, But Falling Prices, Rising Resale Inventory May Keep Builders Sidelined](https://themortgagepoint.com/2026/05/04/housing-starts-up-but-falling-prices-rising-resale-inventory-may-keep-builders-sidelined/) - Zillow says declining new-home prices and rising resale inventory could keep builders cautious despite a jump in construction activity.
- [Mortgage Myths Persist: Buyers Misjudge Credit Scores, Down Payments](https://themortgagepoint.com/2026/05/04/education-surrounding-mortgage-credit-rates-costs-holding-some-buyers-back/) - A recent Veteran Home Loans survey indicated that most loan programs demand significantly less credit and cash up front than most U.S. homebuyers realize, as many overestimate the requirements to be eligible for a mortgage, with various loans offering consumers more options than others.
- [SFR Housing Opportunities Bringing About Better Options for New Buyers ](https://themortgagepoint.com/2026/04/28/sfr-housing-opportunities-bringing-about-better-housing-options-for-new-buyers/) - In a new study, a Virginia Tech scholar discovered that children of all ages nationwide had better educational achievements because of the 2009 Great Recession's spike in single-family house rentals (SFR), giving young, first-time homebuyers a better chance at achieving the American Dream.
- [DOJ Drops Criminal Investigation of Fed Chair Powell](https://themortgagepoint.com/2026/04/24/doj-drops-criminal-investigation-of-fed-chair-powell/) - The decision to end the investigation removes a major hurdle for the confirmation of Kevin Warsh by the Senate to replace Powell in May.
- [Down Payment Assistance Surges as Gen Z, Millennials Lean on Family to Buy Homes ](https://themortgagepoint.com/2026/05/01/almost-all-gen-z-homeowners-nationwide-received-down-payment-help-when-purchasing/) - According to LendingTree's 2026 Mortgage Down Payment Survey, a large majority of Gen Z homeowners received down payment assistance on their current home, with a surprising number of that same demographic reporting they could not have purchased their property without the help of a relative or another source.
- [Incentives, Price Cuts Squeeze the Margins for Major Homebuilders](https://themortgagepoint.com/2026/05/01/incentives-price-cuts-squeeze-the-margins-for-major-homebuilders/) - Homebuilders are facing a tough contradiction, with orders rising but profits frequently shrinking as price cuts and incentives bite into margins, according to Realtor.com.
- [April Housing Market Defies Volatility With Rising Listings and Fewer Price Cuts](https://themortgagepoint.com/2026/04/30/median-list-prices-dip-for-sixth-consecutive-month-despite-looming-economic-uncertainty/) - According to the Realtor.com April 2026 Monthly Housing Trends Report, despite high mortgage rates and economic uncertainty, seller activity held steady while home prices continued to soften.
- [Fannie Mae, Freddie Mac Report Increases in Net Profits](https://themortgagepoint.com/2026/04/30/fannie-mae-freddie-mac-report-increases-in-net-profits/) - The GSEs’ profits and rising net worth signal continued liquidity and stability in a high-rate housing environment.
- [Homes Selling Faster in Some Metros as Buyers Tiptoe Back into the Spring Market](https://themortgagepoint.com/2026/04/30/one-third-of-u-s-homes-selling-within-a-week-as-buyers-tiptoe-back-into-the-spring-market/) - In February, U.S. properties that were pending within seven days had a higher chance of selling for more than the asking price compared to the average listing, and for the first March since 2020, the difference between the speed at which homes sold and the duration of all active listings was at its largest.
- [Legal League Chair David Demers on Competition, Compliance, and the Power of Participation](https://themortgagepoint.com/2026/03/20/legal-league-chair-david-demers-on-competition-compliance-and-the-power-of-participation/) - Demers reflects on launching his own firm for work-life balance, navigating the ever-evolving regulatory landscape, and why he believes participation—not just membership—is the key to getting value from an industry organization.
- [Legal League Vice Chair Jane Bond on State Enforcement, Technology, and the Future of Mortgage Servicing Law](https://themortgagepoint.com/2026/03/20/legal-league-vice-chair-jane-bond-on-state-enforcement-technology-and-the-future-of-mortgage-servicing-law/) - With more than 30 years in mortgage servicing litigation, the Legal League leader discusses rising state-level scrutiny, the growing role of technology in foreclosure practice, and how education and collaboration are shaping the industry’s path forward.
- [Steady Leadership in Unsteady Times: Stephen Hladik on Guiding Legal League Through Crisis and Change](https://themortgagepoint.com/2026/03/20/steady-leadership-in-unsteady-times-stephen-hladik-on-guiding-legal-league-through-crisis-and-change/) - After four turbulent years as Chair, Stephen Hladik reflects on pandemic-era leadership, the rise of AI in mortgage law, and what’s next for the Legal League.
- [Leave a Legacy: Go Big and Be Unique](https://themortgagepoint.com/2026/03/20/leave-a-legacy-go-big-and-be-unique/) - In honor of Women’s History Month, Yvette Gilmore reflects on three decades of leadership and shares the lessons she’s learned about taking big swings, mentoring the next generation, and building a legacy that lasts beyond the boardroom.
- [Redemption Rights Across State Lines: Why Local Nuance Drives National Results](https://themortgagepoint.com/2026/03/20/redemption-rights-across-state-lines-why-local-nuance-drives-national-results/) - From Michigan’s extended post-sale redemption windows to Arizona’s nonjudicial finality, here’s how redemption rights vary across state lines, and why understanding local nuance is essential for national servicers seeking certainty, compliance, and optimal recovery.
- [The Race Is On: The Jurisdictional Priority Rule In Foreclosures](https://themortgagepoint.com/2026/03/20/the-race-is-on-the-jurisdictional-priority-rule-in-foreclosures/) - The recent Ohio appellate decision of Kacyon v. Moore spotlights how the jurisdictional priority rule can upend foreclosure strategy. Here’s what the ruling means for creditors and why speed of service can determine who controls the case—and who gets paid.
- [Black Book Profile: ALAW](https://themortgagepoint.com/2026/03/27/black-book-profile-alaw/) - Founded in 1997, ALAW has grown from a modest legal practice to a comprehensive nationwide law firm with offices across the United States.
- [Black Book Profile: Bonial & Associates, P.C.](https://themortgagepoint.com/2026/03/27/black-book-profile-bonial-associates-p-c/) - Bonial & Associates, P.C., provides nationwide bankruptcy services for all 50 states, in combination with a curated network of other law firms who perform services as local counsel.
- [Black Book Profile: Cooke Demers, LLC](https://themortgagepoint.com/2026/03/27/black-book-profile-cooke-demers-llc/) - Cooke Demers, LLC is centrally located in Columbus, Ohio, and was established in 2006. Proudly a Legal League member firm, it is licensed to practice in state and federal courts in Ohio, Indiana, and Pennsylvania.
- [Black Book Profile: Hladik, Onorato & Federman, LLP](https://themortgagepoint.com/2026/03/27/black-book-profile-hladik-onorato-federman-llp/) - Our firm provides complete default services, including foreclosure, bankruptcy, eviction, REO, title and related litigation, and defense litigation.
- [Black Book Profile: Law Offices of Manganelli, Leider & Savio, P.A.](https://themortgagepoint.com/2026/03/27/black-book-profile-law-offices-of-manganelli-leider-savio-p-a/) - We are a boutique creditors’ rights law firm in South Florida that is uniquely positioned to provide outstanding service to our clients.
- [Black Book Profile: McCalla Raymer Leibert Pierce, LLP](https://themortgagepoint.com/2026/03/27/black-book-profile-mccalla-raymer-leibert-pierce-llp/) - McCalla Raymer Leibert Pierce, LLP, specializes in foreclosure, bankruptcy, litigation, and eviction services
- [Black Book Profile: McCarthy & Holthus, LLP](https://themortgagepoint.com/2026/03/27/black-book-profile-mccarthy-holthus-llp/) - Our attorneys have decades of experience in providing a wide range of legal services, from routine cases to complex litigation.
- [Black Book Profile: Schneiderman & Sherman, PC](https://themortgagepoint.com/2026/03/27/black-book-profile-schneiderman-sherman-pc/) - Schneiderman & Sherman, PC, provides clients with access to the most creative, cost-effective solutions for their various mortgage default legal needs.
- [Black Book Profile: Stern & Eisenberg](https://themortgagepoint.com/2026/03/27/black-book-profile-stern-eisenberg/) - Transforming Legal Challenges into Creative Solutions. We are relentless litigators, tireless negotiators, and patient listeners.
- [Trump Fed Chair Pick Clears Key Senate Hurdle with Committee Vote](https://themortgagepoint.com/2026/04/30/trump-fed-chair-pick-clears-key-senate-hurdle-with-committee-vote/) - The Senate Banking Committee voted 13-11 to advance Kevin Warsh’s nomination to lead the Federal Reserve. The vote tees up President Donald Trump’s pick for a final confirmation vote in the Republican-controlled Senate.
- [Divided Fed Votes 8-4 to Keep Rates Steady; Powell to Stay as Governor](https://themortgagepoint.com/2026/04/29/divided-fed-committee-votes-8-4-to-keep-interest-rates-steady/) - Jerome Powell announced he will stay on as a governor once his term as Chief ends on May 15. The last time four members of the FOMC dissented on an interest rate vote was in October 1992.
- [Q1 Foreclosures Ticked Up as Regional Trends Shift U.S Housing Market](https://themortgagepoint.com/2026/04/29/q1-foreclosures-ticked-up-as-regional-trends-shift-u-s-housing-market/) - According to Realtor.com, the number of foreclosure filings nationally increased by to nearly 30% in Q1 of 2026 compared to the same period last year.
- [Housing Starts, Building Permits Offer Mixed Bag in March](https://themortgagepoint.com/2026/04/29/housing-starts-rise-to-1-502m-annual-rate-in-march/) - According to data from the U.S. Census Bureau and the Department of Housing and Urban Development, privately-owned housing starts in March were at a seasonally adjusted annual rate of 1.5 million, a 10.8% rise from both the revised February estimate and the March 2025 rate of 1.35 million. Building permits, however, were a different story.
- [FHFA: Home Price Growth Stalls as More Markets Experience Annual Declines ](https://themortgagepoint.com/2026/04/28/fhfa-monthly-house-price-index-is-unchanged-in-february/) - One analyst said the "cooling market" in house prices should "offer some breathing room for prospective buyers currently sidelined by affordability challenges."
- [Upzoning Efforts May Benefit Homebuyers & Nationwide Housing Production](https://themortgagepoint.com/2026/04/28/upzoning-efforts-may-benefit-homebuyers-nationwide-housing-production/) - Cities around the nation have been speculating that more housing and eventually lower home costs will be made possible by looser zoning regulations, according to a recent Realtor.com study, and experts believe the risk may prove profitable.
- [HUD, USDA Rescind Biden-Era Building Code Requirements](https://themortgagepoint.com/2026/04/28/hud-usda-rescind-biden-era-building-code-requirements/) - Rescinding a Biden-era rule will remove significant regulatory barriers that increase the costs of a new home, the agencies said.
- [The Fed Likely to Keep Interest Rates Unchanged](https://themortgagepoint.com/2026/04/28/the-fed-likely-to-keep-interest-rates-unchanged/) - In what likely is Jerome Powell's final meeting as chair, the FOMC is expected to announce Wednesday that it will hold interest rates steady as it confronts rising inflation and a lackluster jobs market.
- [Real Brokerage to Acquire RE/MAX in New Deal](https://themortgagepoint.com/2026/04/27/real-brokerage-to-acquire-re-max-in-new-deal/) - Real Brokerage announced that they are purchasing RE/MAX for $550 million, revealing that including debt, the deal is worth an estimated $880 million.
- [HUD Urges Real Estate Agents to Share Neighborhood School, Crime Data ](https://themortgagepoint.com/2026/04/27/hud-urges-real-estate-industry-to-share-neighborhood-school-crime-data/) - The Department of Housing and Urban Development sent real estate professionals a letter urging them to share neighborhood school and crime data with prospective homebuyers after websites such as Redfin and Trulia stopped during the previous administration, citing fair housing concerns.
- [U.S. Mortgage Delinquencies Dip; Foreclosure Inventory Hits Six-Year High ](https://themortgagepoint.com/2026/04/27/mortgage-delinquencies-dipped-in-march-as-prepayment-activity-reached-new-levels/) - The March 2026 ICE First Look into mortgage delinquency, foreclosure, and more shows that foreclosure volumes continued to rise, while mortgage delinquencies improved significantly, along with an increase in cure activity and prepayment speeds reaching their best level in over four years.
- [Senate Breaks Logjam, Clearing Path for Kevin Warsh to Lead the Fed ](https://themortgagepoint.com/2026/04/27/senator-ends-block-of-trumps-fed-chair-nominee/) - Sen. Thom Tillis said he plans to back Kevin Warsh’s nomination to be the next Federal Reserve chief after the DOJ dropped a criminal investigation into Chair Jerome Powell.
- [U.S. Market Rents Rise in March Despite YoY Price Declines ](https://themortgagepoint.com/2026/04/24/u-s-market-rents-rise-in-march-despite-yoy-price-declines/) - In March, the national median rent marked a second consecutive monthly increase as the nationwide housing market begins to rebound from its off-season pricing decline.
- [Economic Uncertainty Drives Sharp Decline in Builder Sentiment ](https://themortgagepoint.com/2026/04/24/builder-sentiment-posts-sharp-decline-driven-by-economic-uncertainty/) - Confidence among single-family home builders fell to its lowest level since September 2025, with concerns over interest rates, fuel-driven material costs, and weaker consumer confidence slowing momentum.
- [Foreclosure Auction Volume Climbs Toward Pre-Pandemic Levels ](https://themortgagepoint.com/2026/04/24/foreclosure-auction-volume-up-33-in-q1-to-a-six-year-high/) - Distressed property supply continued to normalize in Q1 2026 as foreclosure starts, completed auctions, and REO activity moved closer to 2020 levels without signaling a new housing market crisis.
- [Spring Sales Heat Up as New Listings Show Modest Increase](https://themortgagepoint.com/2026/04/24/spring-sales-heat-up-as-new-listings-show-modest-increase/) - According to recent Redfin data, the U.S. housing market has seen a slight springtime uptick in the number of newly listed homes, with properties for sale increasing year-over-year, representing the largest gain since November 2025.
- [Survey: U.S. Homeowners Are Renovating Their Homes Instead of Relocating](https://themortgagepoint.com/2026/04/23/survey-u-s-homeowners-are-renovating-their-homes-instead-of-relocating/) - About two-thirds of homeowners who recently made renovations chose to upgrade their home instead of moving to a new place, according to a recent Redfin sur
- [Fed Chair Nominee Kevin Warsh Pushes New Approach to Measuring Inflation](https://themortgagepoint.com/2026/04/23/fed-chair-nominee-offers-his-preferred-way-to-measure-inflation/) - Kevin Warsh told senators at a Senate Banking Committee confirmation hearing this week that he preferred to follow inflation through a trimmed gauge, as opposed to the Fed’s favored core price index for personal consumption expenditures.
- ['First-Ever' Analysis Reveals How Much Land Prices Have Spiked Since Pandemic](https://themortgagepoint.com/2026/04/23/prices-for-raw-land-has-surged-a-whopping-87-since-2019/) - According to an examination of land listings by the Realtor.com economic research team, overall land prices per acre surged dramatically between early 2019 and March 2026—a period during which inventory of for-sale parcels plunged 24%.
- [LA Voters Doubt Government Can Improve Housing Affordability, Poll Finds](https://themortgagepoint.com/2026/04/23/la-voters-doubt-government-can-improve-housing-affordability-poll-finds/) - Voters in the city of Los Angeles overwhelmingly cite the high cost of housing and homelessness as serious problems, but they lack confidence in the ability of local and state government to make the city more affordable. That’s according to a poll commissioned by the Los Angeles Business Council.
- [FHA, Fannie & Freddie to Begin Accepting New Credit Score Models](https://themortgagepoint.com/2026/04/22/fha-fannie-freddie-to-begin-accepting-new-credit-score-models/) - HUD Secretary, FHFA Director announce that the agencies will permit the use of VantageScore 4.0 and FICO 10T as eligible credit scoring models for FHA-insured mortgage underwriting.
- [Legal League Webinar Series: Inside the Litigation Workflow](https://themortgagepoint.com/2026/04/22/legal-league-webinar-series-inside-the-litigation-workflow-servicer-attorney-coordination/) - Our next Legal Legal Webinar Series event, Inside the Litigation Workflow: Servicer & Attorney Coordination, will be on April 29. Our panel of experts will detail how default mortgage litigation requires far more than filing pleadings and appearing in court.
- [Renters Gain More 'Elbow Room' as U.S. Rent Growth Slows](https://themortgagepoint.com/2026/04/22/renters-gain-more-elbow-room-as-u-s-rent-growth-slows/) - With wage growth outpacing rent increases, the typical renter now has some breathing room per month, with annual rent growth slowing to its weakest pace since 2020.
- [Q1 U.S. Foreclosure Activity Jumped YoY as Housing Market 'Normalizes' ](https://themortgagepoint.com/2026/04/22/q1-u-s-foreclosure-activity-expands-as-housing-market-normalizes/) - ATTOM's Q1 2026 U.S. Foreclosure Market Report revealed that U.S. bank repossessions increased annually, while foreclosures also began to rise, "with both starts and completed foreclosures posting solid year-over-year gains," according to Rob Barber, CEO of ATTOM.
- [U.S. Home-Price Growth Slows to Weakest Pace Since 2012 ](https://themortgagepoint.com/2026/04/22/u-s-home-prices-inched-up-0-1-in-march/) - Redfin’s latest Home Price Index shows annual price gains slowed to a record low in March, as affordability pressures and global uncertainty dampened demand across many major metros.
- [Warsh Pledges to Fight Inflation Even as President Demands Rate Cuts](https://themortgagepoint.com/2026/04/21/warsh-pledges-to-fight-inflation-even-as-president-demands-rate-cuts/) - President Donald Trump’s nominee to lead the Fed told senators at a hearing of the Senate Banking Committee that he’d fight inflation even as the president renewed his demands for interest rate cuts that could hamper that effort.
- [FHLBanks' Letter to FHFA on Executive Order Offers a Roadmap for Implementation](https://themortgagepoint.com/2026/04/21/fhlbanks-letter-to-fhfa-on-executive-order-offers-a-roadmap-for-implementation/) - The letter from the Federal Home Loan Banks to FHFA was in response to the Trump administration’s recent executive order on promoting access to mortgage credit.
- [Survey Examines U.S. Actions to Expand Veteran Homeownership ](https://themortgagepoint.com/2026/04/21/survey-reveals-u-s-actions-to-expand-veteran-homeownership/) - A new 2026 survey of U.S. veterans and service members highlights strong potential to expand veteran homeownership nationwide, revealing how VA loans can further propel aspiring homeowners toward their dream of property ownership.
- [How Climate Hazards, Risks & Insurance Costs Are Impacting Homebuying Activity ](https://themortgagepoint.com/2026/04/21/climate-hazards-risks-insurance-costs-affect-nationwide-homebuying-activity/) - According to a new study, a significant percentage of U.S. homeowners are concerned that climate-related hazards could affect their property and that risks will worsen. Here’s what the report found.
- [Pending Home Sales Edge Higher Despite Mortgage Rate Pressure ](https://themortgagepoint.com/2026/04/21/nar-pending-home-sales-report-shows-increase-in-march/) - NAR reports contract signings increased month-over-month despite elevated mortgage rates, with stronger activity in the South pointing to pent-up demand and improving affordability in select markets.
- [‘Dual Shopping’ on the Rise as Renting Gets Weighed Against Homeownership](https://themortgagepoint.com/2026/04/20/rent-vs-buy-dual-shoppers-consider-rental-options-amid-homebuying-search/) - Persistent affordability challenges are pushing more prospective buyers to become “dual shoppers,” comparing rental listings and for-sale homes before committing to a path toward housing stability.
- [Pet-Friendly Homes a 'Must-Have' for Many U.S. Buyers ](https://themortgagepoint.com/2026/04/20/pet-friendly-homes-are-a-must-have-for-many-u-s-buyers/) - According to a recent Realtor.com survey, pet owners often prioritize factors such as safe outside areas, sturdy interiors, and pet-friendly neighborhoods when shopping for a new home for themselves and their four-legged friends.
- [Buyers Have the Power in Even More Major Metros Over Last Year ](https://themortgagepoint.com/2026/04/20/homebuyers-have-the-power-in-even-more-major-metros-over-last-year/) - A new Redfin report found 38 of the nation’s largest metro areas were buyer’s markets in March, as elevated housing costs, rising taxes, and increased inventory gave house hunters more negotiating power.
- [Fed’s Bowman Signals No Appetite for More Big Bank Capital Relief](https://themortgagepoint.com/2026/04/20/fed-doesnt-expect-big-banks-to-push-back-aggressively-on-new-capital-rules/) - Federal Reserve Vice Chair for Supervision Michelle Bowman has told ‌big bank executives that she does not expect the industry to stage another aggressive pushback in a bid to win further capital relief, Reuters reported.
- [Five Star Government Forum Focuses on Mortgage Servicing Policy and Innovation](https://themortgagepoint.com/2026/04/18/five-stars-government-forum-features-powerful-discussions-on-mortgage-servicing-industry/) - Returning to Washington, D.C., the 2026 Five Star Government Forum brought together mortgage servicing leaders, regulators, and economists to discuss policy, compliance, AI, and housing trends.
- [Most Homebuyers Expect AI Processes, But Still Want a Human Involved ](https://themortgagepoint.com/2026/04/17/most-homebuyers-expect-ai-in-the-process-but-want-a-human-in-the-loop/) - In a new study, Cotality finds AI-driven workflows could shorten mortgage processing times by one to three months, helping buyers move into homes faster while enabling lenders to recycle capital more efficiently and increase capacity.
- [Report: Renters Have the Affordability Edge Over Homebuyers](https://themortgagepoint.com/2026/04/17/renters-faring-better-than-homebuyers-in-terms-of-affordability/) - According to the Realtor.com March Rental Report, renting a starter home remains the more affordable option across all 50 of the largest U.S. metros. For renters seeking homeownership, that gap is not just a reflection of today's market but an opportunity to build toward tomorrow's purchase.
- [2025 IMB Net Production Profits Reach the Highest Level in Four Years](https://themortgagepoint.com/2026/04/17/2025-imb-net-production-profits-reach-the-highest-level-in-four-years/) - The average earnings of each loan produced in 2025 showed a modest increase from 2024, according to independent mortgage banks and mortgage subsidiaries of chartered banks, "while loan balances rose to new study highs," according to Marina Walsh, VP of Industry Analysis for the Mortgage Bankers Association.
- [Michigan Plan to Loosen Zoning Rules Prompts Affordability Debate](https://themortgagepoint.com/2026/04/17/michigan-plan-to-loosen-zoning-rules-prompts-affordability-debate/) - A plan to ease housing costs by loosening zoning rules is drawing pushback from local officials and planners, who say the approach alone won't guarantee affordability.
- [Typical New Mortgage Payments Dip as Cost-Burdened Homeowners Still Face Challenges](https://themortgagepoint.com/2026/04/16/typical-new-mortgage-payments-dip-as-cost-burdened-homeowners-still-face-challenges/) - According to a recent LendingTree survey, affordability pressures persist for many Americans, despite the average monthly payment on new mortgages decreasing in 2025 compared to the year before.
- [NY Fed President on Iran War Impact, Inflation](https://themortgagepoint.com/2026/04/16/ny-fed-president-said-hes-worried-war-will-slow-growth-worsen-inflation/) - New York Fed President John Williams expressed concern for the second time this month about the Iran war’s impact on the economy, saying it already has shown signs of raising prices and slowing growth.
- [Ranking the Best and Worst States for Renters in Today’s Market ](https://themortgagepoint.com/2026/04/16/ranking-the-best-and-worst-states-for-renters-in-todays-market/) - The rental market can be just as challenging as the homebuying market, especially for the near-30% of Americans who rent nationwide, leaving many home shoppers frustrated. A new report from Consumer Affairs revealed the best states for renters, citing tenant friendliness, costs, income, and other factors that affect the decision-making process.
- [Rebuilding ‘Fire-Safe’ From LA Fires Could Reduce Losses by One-Third](https://themortgagepoint.com/2026/04/16/rebuilding-fire-safe-from-la-fires-would-reduce-losses-by-one-third/) - A new analysis shows that insurance average annual losses would fall by one-third in the Eaton and Pacific Palisades fire areas if homeowners build back “fire-safe” and it makes the case for proposed legislation requiring insurance companies to offer insurance to fire-safe homes.
- [Trump Threatens to Fire Powell if Fed Chair Doesn’t Leave on His Own ](https://themortgagepoint.com/2026/04/15/trump-threatens-to-fire-powell-if-fed-chair-doesnt-leave-on-his-own/) - If Jerome Powell stays on as a Fed governor after his successor is confirmed, the president said he’ll have Powell removed from office.
- [What U.S. Homebuyers Want: Trends, Costs & More ](https://themortgagepoint.com/2026/04/15/what-u-s-homebuyers-want-trends-costs-more/) - The 2026 ServiceLink State of Homebuying Report examines the psychology of contemporary homebuyers, revealing their greatest sources of stress, time constraints, financial uncertainty, and growing dependence on digital resources.
- [Outstanding Mortgage Payments Burdening Homeowners](https://themortgagepoint.com/2026/04/15/outstanding-mortgage-payments-burdening-homeowners/) - In Q4 2025, the average mortgage holder's monthly payment exceeded $2,000 for the first time, according to Realtor.com, with new homebuyers illustrating how recently-obtained mortgages bear the full weight of today's higher prices and rates.
- [Auction.com Appoints Ali Haralson Co-CEO](https://themortgagepoint.com/2026/04/15/auction-com-appoints-ali-haralson-co-ceo-formalizing-proven-leadership-partnership/) - Ali Haralson joins Jason Allnutt as Co-CEO and member of the Board of Directors of Auction.com, the nation's largest distressed real estate marketplace.
- [In New York City, Finished Affordable Units Often Sit Empty for Months](https://themortgagepoint.com/2026/04/15/in-new-york-city-finished-affordable-units-often-sit-empty-for-months/) - Data from a large nonprofit backer of subsidized apartments shows how red tape delays tenants from moving in, The City reported.
- [Co-Homeownership Helping Make the American Dream Possible](https://themortgagepoint.com/2026/04/14/co-homeownership-helping-make-the-american-dream-possible/) - According to a recent study, a growing number of U.S. homebuyers, particularly Gen Zers, are considering the idea of purchasing homes with friends in order to comfortably pay for costly housing expenses and afford a property in today's market.
- [Warsh's Fed Chair Hearing Set for Next Week, Senator Says](https://themortgagepoint.com/2026/04/14/warshs-fed-chair-hearing-set-for-next-week-senator-says/) - Sen. Tim Scott, R-S.C., said the Senate Banking Committee will hold a confirmation hearing next week for Kevin Warsh, President Donald Trump’s nominee for Federal Reserve chair after a previously scheduled hearing was delayed.
- [The U.S. Needs Millions More Houses, Economic Advisers Report Says](https://themortgagepoint.com/2026/04/14/the-u-s-needs-millions-more-houses-economic-advisers-report-says/) - White House economists estimate the U.S. has a shortage of millions of houses, and they said regulatory cuts could lead to more construction to stabilize prices, increase home ownership, and fuel faster economic growth.
- [Ex-Freddie Mac CEO Says GSEs are Poorly Suited to Solve Nation's Housing Shortage](https://themortgagepoint.com/2026/04/14/ex-freddie-mac-ceo-says-gses-are-poorly-suited-to-solve-nations-housing-shortage/) - Donald Layton, who led Freddie Mac from 2012 until 2019, made his assessment in an online forum for the NYU Furman Center.
- [Where Are the Top U.S. Cities with the Highest Demand for Rental Properties? ](https://themortgagepoint.com/2026/04/13/where-are-the-top-u-s-cities-with-the-highest-demand-for-rental-properties/) - According to new research, renters are gravitating toward mid-sized, reasonably priced towns in the Midwest and South, with Cincinnati at the top of the list as the most sought-after rental market in the country.
- [Cash-Strapped Homeowners Turn Internet Searches into Legal Calls ](https://themortgagepoint.com/2026/04/13/homeowners-move-from-google-searches-to-legal-calls-due-to-increasing-costs/) - According to the LegalShield Consumer Stress Legal Index, foreclosure-related legal demands reached their highest level since March 2020 in the first quarter of 2026 as the Foreclosure Index increased over the previous year and ticked up in March.
- [Foreign Buyers Continue to Eye U.S. Properties, Including Luxe LA Homes](https://themortgagepoint.com/2026/04/13/foreign-buyers-continue-to-eye-u-s-properties-including-luxe-la-homes/) - Foreign buyers bought $56 billion worth of U.S. existing homes from April 2024 through March 2025, with Los Angeles among the top locations.
- [NAR Existing-Home Sales Report Shows Decline in March](https://themortgagepoint.com/2026/04/13/nar-existing-home-sales-report-shows-decline-in-march/) - March home sales fell 3.6% with month-over-month sales declining across all regions. Limited inventory continues to drive home prices higher, the National Association of Realtors said.
- [Detroit Initiative Offers Cash Incentives to Attract Newcomers](https://themortgagepoint.com/2026/04/13/detroit-initiative-offers-cash-incentives-to-attract-newcomers/) - The 'Make Detroit Home' program will award more than $500,000 in benefits to over 300 participants. A coalition is rolling out cash incentives of up to $15,000 to attract new residents and retain current ones, as part of a broader push to spur economic growth.
- [Mortgage Credit Availability Rises Amid Home Price Shifts ](https://themortgagepoint.com/2026/04/10/mortgage-credit-availability-ticks-up-amid-rising-nationwide-home-prices/) - The Mortgage Bankers Association’s Mortgage Credit Availability Index showed an increase in mortgage credit availability in March, rising "to its highest level since August 2022," according to Joel Kan, MBA’s VP and Deputy Chief Economist.
- [Fed Official: Rate Hike Possible Amid High Gas Prices, Inflation Concerns](https://themortgagepoint.com/2026/04/07/fed-official-rate-hike-possible-amid-high-gas-prices-inflation-concerns/) - Beth Hammack, President of the Federal Reserve Bank of Cleveland, said in an interview with The Associated Press that her general preference is for the Fed to keep its benchmark interest rate unchanged "for quite some time."
- [The Bank of Mom & Dad: Parents Helping Children Purchase Their First Home  ](https://themortgagepoint.com/2026/04/10/mom-dad-to-the-rescue-parents-helping-children-purchase-their-first-home/) - Parents nationwide are becoming increasingly more important in helping the next generation attain homeownership, according to a new Veterans United Home Loans survey. Over half of parents surveyed reported having given, or intending to provide, financial support to help their child purchase a home.
- [Majority of Large U.S. Housing Markets Shifting in Buyer's Favor](https://themortgagepoint.com/2026/04/09/majority-of-large-u-s-housing-markets-shifting-in-buyers-favor/) - According to a recent Realtor.com study, nearly 30% of the country's top property markets are still seller's markets, while more than halfAccording to a recent Realtor.com study, more than 60% of top metros are now balanced or buyer-friendly as inventory rises and price cuts increase. of all markets nationwide have shifted into balanced or buyer-friendly territory.
- [Fed Chair Nomination Hearing for Kevin Warsh Delayed](https://themortgagepoint.com/2026/04/10/fed-chair-nomination-hearing-for-kevin-warsh-is-delayed/) - The committee set to hear Warsh’s nomination on April 16 hasn’t received the paperwork it needs with sufficient time to schedule a hearing, according to reports.
- [HUD Announces $1.1B for Affordable Housing Initiatives in Tribal Communities](https://themortgagepoint.com/2026/04/10/hud-unveils-more-than-1-1b-for-affordable-housing-initiatives-in-tribal-communities/) - The HUD block grant program will support affordable housing projects in nearly 600 Tribal communities, the agency said.
- [U.S. Home Prices Post Annual Gain in January ](https://themortgagepoint.com/2026/04/01/u-s-home-prices-post-annual-gains-in-january/) - After rising in January, the S&P Cotality Case-Shiller U.S. National Home Price NSA Index shows a slight annual gain, with real home values slightly lower year-over-year for the eighth consecutive month and inflation exceeding the growth in national home prices.
- [Pending Home Sales Post Biggest Decline in 3 Months](https://themortgagepoint.com/2026/04/10/pending-home-sales-post-biggest-decline-in-3-months/) - U.S. pending home sales fell 2.4% year over year during the four weeks ending April 5, the biggest decline in three months. That’s according to a new report from Redfin which attributed the decline to several factors.
- [Fed Minutes Suggest More Openness for Rate Hikes This Year](https://themortgagepoint.com/2026/04/09/fed-minutes-show-more-officials-foresee-possible-rate-hikes-this-year/) - The number of Federal Reserve policymakers willing to consider an interest rate hike this year rose between the January and March meetings, with higher oil and gas prices threatening to worsen inflation in the coming months.
- [Higher Property Taxes Adding Pressure for Homeowners ](https://themortgagepoint.com/2026/04/09/single-family-home-property-tax-bill-increases-affecting-consumers/) - The average effective tax rate rose in March while home prices marginally decreased, with the Northeast and Midwest continuing to have the highest tax rates, according to ATTOM's annual property tax study.
- [Central Bank Economist is Front-Runner to be Top Trump Economic Adviser](https://themortgagepoint.com/2026/04/09/fed-economist-is-front-runner-to-be-top-trump-economic-adviser/) - Chris Phelan, who has a Ph.D. from the University of Chicago, would replace Stephen Miran, who formally stepped down from the job in February.
- [Luxury Housing Market Slows, but Trends Vary by Region ](https://themortgagepoint.com/2026/04/08/luxury-homes-taking-longer-to-sell-but-regional-differences-show-normal-trends/) - More than half of all active home listings are priced at $1 million or more in many U.S. cities located in luxury areas, according to Realtor.com’s March Luxury Housing Report, with "the national luxury market [being] modestly softer, but stabilizing seasonally," suggests Danielle Hale, Chief Economist at Realtor.com.
- [Auction Buyers Report Ongoing 'Pessimistic Market Outlook'](https://themortgagepoint.com/2026/04/08/auction-buyers-report-ongoing-pessimistic-market-outlooks/) - According to Auction.com's 2026 Buyer Outlook Report, auction buyers became more pessimistic about 2026, following a surge of confidence the previous year. That's despite some markets now being more reasonably priced than they have been in the past few years.
- [Priced Out of the Classroom: Districts Turn to Affordable Housing Solutions ](https://themortgagepoint.com/2026/04/08/a-lesson-learned-districts-try-to-retain-teachers-by-providing-affordable-housing/) - From Austin to Oakland, some cities and school districts are working to keep their teachers and staff at home, literally, by building housing projects for them that are both high quality and affordable.
- [Who’s Next Door? Why Fewer Americans Know Their Neighbors Today ](https://themortgagepoint.com/2026/04/08/whos-next-door-only-3-in-10-americans-know-their-neighbors/) - Only 30% of Americans know their neighbors beyond a casual level, according to a new Rocket Mortgage survey. Despite this, Americans value the importance of strong community, with a strong majority saying strong neighborhoods improve their quality of life.
- [Fannie Mae Accepts its First Crypto-Backed Mortgage Product](https://themortgagepoint.com/2026/03/27/fannie-mae-accepts-its-first-crypto-backed-mortgage-product/) - Fannie Mae now will accept its first crypto-backed mortgages via a new product by mortgage company Better Home and Finance and Coinbase.
- [Report: Los Angeles County Residents Leaving for Cheaper, Safer Places](https://themortgagepoint.com/2026/04/07/report-los-angeles-county-residents-leaving-for-cheaper-safer-places-to-live/) - Census data shows that Los Angeles County outmigration to places like Nevada, Texas, and Florida reflects growing affordability and lifestyle pressures.
- [NYC Mayor Tackles the Politics of Property Taxes as Rent Freeze Looms](https://themortgagepoint.com/2026/04/07/nyc-mayor-tackles-the-politics-of-property-taxes-as-rent-freeze-looms/) - Three months into his term, Zohran Mamdani is positioned to win a rent freeze for some 2 million tenants who live in rent-stabilized homes, but is he making real progress overhauling the property tax system?
- [Can a Tax Refund Help Buy a Home? Here’s the Reality ](https://themortgagepoint.com/2026/04/07/using-tax-refunds-to-purchase-a-home-heres-how-much-youll-need/) - The average tax refund so far in the 2026 filing season has reached more than $3,500, which is among the biggest lump-sum payments that many households will receive this year. Neighbors Bank examined how the average tax refund amount has fluctuated over time and whether it might significantly assist in covering the initial cost of purchasing a home.
- [Underinsured Homeowners May be at Risk as Mortgage Rates Surge](https://themortgagepoint.com/2026/04/07/underinsured-homeowners-may-be-at-risk-as-mortgage-rates-surge/) - Due to a sharp increase in mortgage rates in March, along with increasing gas prices and ongoing affordability pressure from the insurance industry, both buyers and sellers are holding off and reevaluating their financial expectations in 2026, with many homeowners unsure if their homes are underinsured.
- [‘Major Transit Stop’ Definition Could Make or Break Housing Growth ](https://themortgagepoint.com/2026/04/06/how-you-define-major-transit-stop-can-influence-housing/) - Researchers at the UCLA Institute of Transportation Studies are examining how varying definitions of the term “major traffic strop” could influence housing development in California.
- [How States Are Curbing Upfront Rental Costs ](https://themortgagepoint.com/2026/04/06/study-shows-how-states-local-governments-handle-upfront-rental-expenses/) - For both new and potential tenants, upfront rental expenses can be a burden. A new study from Harvard's Joint Center for Housing Studies examines how first and last month's rent, broker fees, security deposits, and application fees can worsen affordability issues and possibly skew rental markets.
- [Feds Want Banks Back in the Mortgage Business, But Will They Come?](https://themortgagepoint.com/2026/04/06/feds-want-banks-back-in-mortgage-business-but-will-they-come/) - Regulators are easing capital rules to boost home lending, but analysts question whether banks are likely to reenter the market in a meaningful way.
- [Single Women Set New Homeownership Record as Market Barriers Persist ](https://themortgagepoint.com/2026/04/06/single-women-homeowners-break-u-s-record/) - Despite ongoing issues with home affordability, the number of single female homeowners in the U.S. surpassed 20 million last year, according to recent Realtor.com data.
- [White House’s 2027 Budget Proposes Deep Cuts to Affordable Housing](https://themortgagepoint.com/2026/04/06/white-houses-2027-budget-proposes-deep-cuts-to-affordable-housing/) - The White House released its Fiscal Year 2027 budget request, proposing $1.5 trillion for defense alongside a 10% cut to non-defense discretionary spending, including housing programs.
- [California Population Growth Weakened by Heightening Out-of-State Migration ](https://themortgagepoint.com/2026/04/03/california-population-growth-weakened-by-heightening-out-of-state-migration/) - According to a recent study by the California Policy Lab at UC Berkeley, one of the main reasons why many Californians relocate to less expensive states is the high cost of housing and other necessities, further driving migration trends nationwide.
- [Best Markets for First-Time Homebuyers This Spring May Surprise Some ](https://themortgagepoint.com/2026/04/03/best-markets-for-first-time-homebuyers-this-spring-may-surprise-some/) - Zillow has released the top rankings for first-time buyers this spring, with six of the top 10 markets located in Sun Belt metros, despite Americans still navigating a difficult housing market.
- [Soaring Home Insurance Premiums Add to Pressure on Homeowners](https://themortgagepoint.com/2026/04/03/rising-home-insurance-costs-can-influence-mortgage-delinquencies-relocations/) - Higher homeowners insurance premiums are compounding the financial burden of households across the country that are struggling with mounting housing costs, according to a new report from the Dallas Fed.
- [NY Fed Official Cautions Oil Price Surge Could Impact Inflation, Growth](https://themortgagepoint.com/2026/04/03/ny-fed-president-warns-war-driven-oil-spike-could-ripple-through-economy/) - Federal Reserve Bank of New York President John Williams warned that the effects of the Iran war on energy prices could spread across multiple sectors of the economy, hitting consumer costs and slowing demand.
- [Judge Rejects DOJ's Request to Revive Powell Subpoenas](https://themortgagepoint.com/2026/04/03/judge-rejects-dojs-request-to-revive-powell-subpoenas/) - The Fed Chair said he's being investigated as part of an ongoing probe into his testimony before a Senate committee in 2025 about the yearslong renovation project at the Federal Reserve's office buildings.
- [Empty Nesters Own Far More Large Homes Than Millennial Families](https://themortgagepoint.com/2026/04/03/empty-nesters-own-far-more-large-homes-than-millennial-families/) - Empty-nest baby boomers own more large homes than millennials with kids in every major U.S. metro, underscoring a mismatch between who has space and who needs it.
- [Multifamily ‘Missing Middle’ Construction Reaches Post-Recession High ](https://themortgagepoint.com/2026/04/02/2025-posts-best-year-for-multifamily-missing-middle-construction-in-nearly-20-years/) - According to a new report from the National Association of Home Builders, 2025 had the largest volume of multifamily “missing middle” housing starts since 2007. However, how do those metrics stack up against historical norms?
- [Trump Administration Moves to Cut CFPB Workforce Amid Legal Fight ](https://themortgagepoint.com/2026/04/02/trump-administration-has-new-plan-to-cut-two-thirds-of-cfpb-workforce/) - The new plan to slash the workforce at the U.S. Consumer Financial Protection Bureau by about two thirds steps back from earlier efforts to get rid of nearly ‌90% of all employees, court documents showed.
- [Cost-Conscious Renters Reshaping U.S. Market Trends](https://themortgagepoint.com/2026/04/02/cost-conscious-renters-reshaping-u-s-market-trends/) - The rental market is changing due to increased expectations and affordability concerns, according to new data from Zillow's Consumer Housing Trends Report. However, according to a Zillow Home Trends Expert, "Slower rent growth does not mean cheaper rent. Rents are still at record highs, and renters are feeling that every single month.”
- [Chicago Commits $300M to Affordable Housing ](https://themortgagepoint.com/2026/04/02/chicago-to-invest-300m-in-affordable-housing-add-more-than-1200-units/) - The funding will back 15 projects selected through the city’s 2025 Qualified Allocation Plan, which governs access to federal Low-Income Housing Tax Credits and local assistance.
- [Comptroller Offers a Broader Look at U.S. Mortgage Metrics](https://themortgagepoint.com/2026/04/01/a-broader-look-at-u-s-mortgage-metrics/) - According to the Office of the Comptroller of the Currency (OCC) Mortgage Metrics Report, Q4 2025 shows that nearly 98% of mortgages were current and performing at the end of the quarter, a slight increase from 2024.
- [Over Half of Home Listings Across the Nation are Going 'Stale'](https://themortgagepoint.com/2026/04/01/over-half-of-home-listings-are-going-stale-across-the-nation/) - More than half (52.2%) of February’s home listings were on the market for at least 60 days without going under contract nationwide, up from 50.1% a year earlier and the highest share since 2019, according to a new report from Redfin.
- [Fed Official Says Monetary Policy Should Hold for Some Time](https://themortgagepoint.com/2026/04/01/fed-official-says-monetary-policy-should-hold-for-some-time/) - St. Louis Federal Reserve President Alberto Musalem said on Wednesday he doesn't see a near-term need for the central bank to change its interest rate ‌stance, as he warned of rising inflation risks tied to the war in the Middle East.
- [Senators Unveil Bipartisan Bill to Address Housing Affordability in Rural America](https://themortgagepoint.com/2026/04/01/senators-unveil-bipartisan-bill-to-address-housing-affordability-in-rural-america/) - The legislation from Sens. Peter Welch D-Vt., and Jim Justice, R-W.Va., is designed to help more Americans qualify for housing assistance.
- [FHFA HPI Shows Modest January Growth as U.S. Home Prices Climb](https://themortgagepoint.com/2026/03/31/fhfa-house-price-index-rises-0-1-in-january-up-1-6-from-last-year/) - U.S. home prices increased slightly in January, with annual gains of 1.6% and regional variations across census divisions, according to FHFA data.
- [Miami Population Decline Signals ‘New San Francisco’ Housing Trend  ](https://themortgagepoint.com/2026/03/31/does-a-dropping-population-make-miami-is-the-new-san-francisco/) - Miami was hyped as the next Silicon Valley during the pandemic, with venture capitalists and startups fleeing California for sunny South Florida. But years later, it’s following another trend previously seen in the Bay Area: more people moving out than in.
- [Number of Home Sellers vs. Buyers Hits Record High ](https://themortgagepoint.com/2026/03/30/number-of-home-sellers-vs-buyers-reaches-biggest-gap-on-record/) - There were an estimated 46.3% more home sellers than buyers in the U.S. housing market in February, according to a new report from Redfin. Here are the factors pushing the housing market imbalance to its widest point since 2013,
- [U.S. Homeowners Turn to HAF Support for Answers](https://themortgagepoint.com/2026/03/31/u-s-homeowners-turn-to-haf-support-for-answers/) - According to a recent study by the Mortgage Bankers Association's (MBA) Research Institute for Housing America, some homeowners who were spared foreclosure at the start of the pandemic are still struggling financially, with the Homeowner Assistance Fund (HAF) offering relief to vulnerable homeowners and low-income families through their programs.
- [Why Partnership Programs Are Reshaping Mortgage Servicing](https://themortgagepoint.com/2026/02/28/why-partnership-programs-are-reshaping-mortgage-servicing/) - Art Calhoun, VP of Strategic Partnerships at Sagent, gave his insight in February's edition of MortgagePoint, revealing that, "in today’s environment, where regulatory pressure and homeowner expectations continue to rise, and rapid technological change is constant, the value of a true partnership has never been clearer or more essential to the modernization of the mortgage servicing sector."
- [Out of Reach: America’s Rental Market Splinters as Affordability Crisis Deepens](https://themortgagepoint.com/2026/03/30/u-s-renters-priced-out-as-many-feel-homeownership-is-still-out-of-reach/) - Affordability pressures are reshaping renter behavior, pushing young households inland and trapping some long-term tenants in place. Here’s what else a new study reveals.
- [California Issues ‘Final Warning’ to Cities Over Housing Law Violation](https://themortgagepoint.com/2026/03/30/california-communities-get-final-warning-over-housing-law-violations/) - More than a dozen cities and counties across California were given a "final warning" from state officials last week, saying they have failed to properly plan for additional new homes amid the state's lack of affordable housing.
- [CrossCountry Mortgage Strikes Deal to Acquire Two Harbors After UWMC Split](https://themortgagepoint.com/2026/03/30/crosscountry-to-acquire-two-after-it-ended-merger-agreement-with-uwmc/) - The all-cash acquisition will combine origination, servicing, and capital markets capabilities into a fully integrated platform.
- [Fed Chair: Powell Signals No Rate Hike Despite Rising Oil Prices](https://themortgagepoint.com/2026/03/30/fed-chair-no-need-to-raise-rates-because-of-oil-shock/) - Fed Chair Jerome Powell said Monday he sees inflation expectations as grounded despite rising energy prices and no signs yet of a widespread crisis in private credit. Also, Fed Governor Stephen Miran continued his campaign for lower interest rates.
- [AI Job Fears Weigh on U.S. Homebuyer Confidence](https://themortgagepoint.com/2026/03/25/ai-job-concerns-affecting-u-s-homebuyers/) - According to a recent survey, nearly three out of five Americans worry that improvements in artificial intelligence will result in job losses and make it more difficult for individuals to acquire homes.
- [Report: Rental Affordability Crisis Persists Despite Cooling Rents ](https://themortgagepoint.com/2026/03/26/examining-2026-rental-housing-market-trends/) - The latest rental housing report from Harvard's Joint Center for Housing Studies highlights rental market trends and the ongoing affordability challenges that U.S. renters face nationwide, with rental demand slowing and rents falling modestly toward the end of last year.
- [NYC Mayor Appeals Court Order Expanding Rental Assistance Program ](https://themortgagepoint.com/2026/03/26/mamdani-appeals-court-order-expanding-rental-assistance-program/) - The move by Mayor Zohran Mamdani reverses a key campaign program and sets up a clash with the City Council.
- [Miran Says Fed Could Cut Balance Sheet by $2T Without Market Turmoil](https://themortgagepoint.com/2026/03/27/miran-says-fed-could-cut-balance-sheet-by-2t-without-market-turmoil/) - Fed Governor Stephen Miran said regulatory changes and reduced stigma around lending tools could allow a gradual reduction in assets, emphasizing liquidity reforms and careful market guidance.
- [Rising Rental Supply Eases Pressure on U.S. Tenants](https://themortgagepoint.com/2026/03/27/rental-supply-driving-u-s-rent-growth/) - According to Zillow's February Rental Report, increased apartment construction and “accidental landlords” are giving renters more negotiating power and moderating rent growth.
- [U.S. Home-Sale Cancellations Hit Record in February](https://themortgagepoint.com/2026/03/27/record-number-of-home-sale-agreements-fell-through-in-february/) - February saw over 42,000 contract cancellations, driven by buyer leverage, inspection issues, and mortgage-rate volatility, with Tampa, San Antonio, and Atlanta among the hardest-hit metros.
- [Zions Bancorporation to Acquire Fannie Mae, Freddie Mac Business Line](https://themortgagepoint.com/2026/03/26/zions-bancorporation-to-acquire-fannie-mae-freddie-mac-business-line/) - The deal expands access to Fannie Mae and Freddie Mac programs, boosting Zions’ multifamily and commercial real estate capabilities.
- [Where Americans Are Falling Behind on Debt Payments the Most ](https://themortgagepoint.com/2026/03/26/examining-u-s-cities-with-the-highest-debt-delinquencies/) - A recent WalletHub study revealed the U.S. cities where people are the most delinquent on debt, leaving many Americans susceptible to credit score impacts, making it more difficult to rent an apartment, buy a car, house, or other credit-based purchases in the future.
- [Treasury Council Issues Proposed Guidance on Nonbank Financial Company Designations](https://themortgagepoint.com/2026/03/25/treasury-council-issues-proposed-guidance-on-nonbank-financial-company-designations/) - Treasury Secretary Scott Bessent said the proposed guidance would return Financial Stability Oversight Council to prioritizing an activities-based approach that focuses first on risks that arise from specific activities and practices across markets, instead of singling out individual firms.
- [Mixed Trends for Q4 Multifamily, Commercial Delinquencies](https://themortgagepoint.com/2026/03/25/multifamily-commercial-delinquencies-experience-varying-trends-in-q4/) - MBA data shows most loan categories improved modestly, while CMBS stress persisted, and Fannie Mae delinquencies continued to rise.
- [Michigan Governor Calls Housing Crisis ‘All-Hands-on-Deck’ Effort ](https://themortgagepoint.com/2026/03/25/michigan-governor-housing-crisis-is-all-hands-on-deck-effort/) - Gretchen Whitmer highlighted the state’s progress in building or rehabilitating over 87,000 housing units, but she emphasized that more must be done to meet the target of 115,000 by late 2026.
- [DOJ Found No Evidence of Crime in Fed Renovation Probe, Transcript Shows  ](https://themortgagepoint.com/2026/03/25/prosecutor-doj-found-no-evidence-of-a-crime-in-feds-renovation-project/) - According to a transcript of a hearing earlier in March, the probe of a $2.5 billion renovation project at the Federal Reserve didn't find any evidence of a crime, a federal prosecutor privately conceded under questioning by a judge, who later quashed DOJ subpoenas.
- [Home-Flipping Profits Fall to Lowest Level Since Great Recession](https://themortgagepoint.com/2026/03/24/home-flippers-recorded-lowest-profits-last-year-since-great-recession/) - ATTOM released its 2025 year-end U.S. Home Flipping Report, which reveals that high acquisition costs and competition are squeezing flippers, even as home prices remain elevated.
- [Mobile Homes: Another Path to the American Dream of Ownership? ](https://themortgagepoint.com/2026/03/24/mobile-homes-offer-americans-a-lower-cost-path-to-ownership/) - Between 2019 and 2026, manufactured homes sold with land appreciated at more than 70%, outpacing gains for single-family homes nationwide, as "mobile-home buying and selling is [really] on the margin of homeownership," according to Joel Berner, Senior Economist at Realtor.com.
- [Where Renters Are Moving Across the U.S. (and Why) ](https://themortgagepoint.com/2026/03/24/whats-driving-u-s-renter-migration/) - High costs in major metros are pushing renters toward smaller, fast-growing cities with more housing supply. The latest Apartment List Renter Migration Report reveals which states and cities are seeing the biggest outflow and share of those looking to relocate.
- [Onity Group Rebrands PHH Mortgage as Onity Mortgage ](https://themortgagepoint.com/2026/03/24/onity-group-rebrands-phh-mortgage-to-onity-mortgage/) - The rebrand reflects Onity’s broader transformation into a technology-driven mortgage and servicing platform.
- [Chicago Fed’s Goolsbee Prioritizes Inflation Over Unemployment](https://themortgagepoint.com/2026/03/24/chicago-fed-chief-says-hes-more-worried-about-inflation-than-unemployment/) - The Chicago Fed president said inflation progress will determine whether the central bank moves forward with rate cuts. However, rising uncertainty and geopolitical risks could complicate the fed’s path forward.
- [The Exchange: Max Slyusarchuk, CEO, A&D Mortgage](https://themortgagepoint.com/2026/02/24/the-exchange-max-slyusarchuk-ceo-ad-mortgage/) - A&D Mortgage CEO Max Slyusarchuk, a veteran of more than 20 years in the financial industry, talks about a new affordability study conducted by his company, highlighting the Top 10 Least Affordable Cities.
- [The Presidents vs. The Fed](https://themortgagepoint.com/2026/02/24/the-presidents-vs-the-fed/) - President Donald Trump is not the first president to pressure the Federal Reserve over interest rates, and he likely won’t be the last. Here are past examples of what has become an American tradition.
- [How FHLBanks 'Lean In' as Liquidity Anchors Amid Housing Market Strains](https://themortgagepoint.com/2026/02/25/how-fhlbanks-lean-in-as-liquidity-anchors-amid-housing-market-strains/) - Council of Federal Home Loan Banks President Ryan Donovan and Policy Economist John Comeau discuss affordability pressures, advance demand trends, regulatory scrutiny, and the growing impact of mortgage lock-in.
- [The Golden Years' New Math](https://themortgagepoint.com/2026/02/28/the-golden-years-new-math/) - As traditional retirement dreams face the reality of soaring insurance premiums and rent hikes, seniors are turning to ADUs and policy reform to stay housed.
- [MortgagePoint Cover Story: The Next Fed](https://themortgagepoint.com/2026/02/24/the-next-fed/) - Jerome Powell will leave his post as Fed Chair in May, and President Donald Trump has picked former Fed Governor Kevin Warsh to replace him. What will that change mean for the central bank?
- [Spring Homebuying Season Heats Up as Market Supply Improves](https://themortgagepoint.com/2026/03/23/spring-homebuying-season-heats-up-as-market-supply-improves/) - Despite existing-home sales having a disappointing start to 2026, slipping to the lowest level in more than a year, Odeta Kushi, Deputy Chief Economist at First American, revealed the incremental trends driving market activity, house-buying power, and consumers’ optimistic outlook heading into spring.
- [ARMs Offer Buyers More Savings in Today’s Housing Market ](https://themortgagepoint.com/2026/03/23/arms-provide-buyers-more-home-savings-lower-monthly-payments/) - Typical homebuyers using ARMs (adjustable-rate mortgages) are seeing lower monthly payments than last year, allowing today's homebuyers to save roughly $150 a month, the largest discount since 2022.
- [Here are America’s 5 Most Expensive ZIP Codes by Square Foot](https://themortgagepoint.com/2026/03/23/here-are-americas-5-most-expensive-zip-codes-by-square-foot/) - The price per square foot serves as the ultimate location desirability gauge because it reveals the underlying value of land, Realtor.com said.
- [Gen Z Housing: Southern Metros Top Renter Hotspots as Buyers Look to Midwest ](https://themortgagepoint.com/2026/03/23/gen-z-housing-southern-metros-top-renter-hotspots-as-buyers-look-to-midwest/) - To understand where Gen Zers prefer to rent or buy, RentCafe analyzed 97 U.S. metro areas with at least 15,000 Gen Z households and highlighted the locations with the biggest gains.
- [USDA Upgrades Rural Housing Programs with New Initiative](https://themortgagepoint.com/2026/03/23/usda-upgrades-rural-housing-programs-with-new-initiative/) - The initiative seeks to improve service delivery, reduce unnecessary delays, and align processes with current market expectations, but it does not change eligibility standards, funding levels, or program safeguards.
- [CrossCountry Mortgage Expands With Summit Funding Acquisition ](https://themortgagepoint.com/2026/03/20/crosscountry-mortgage-expands-services-with-acquisition-of-summit-funding-inc/) - The deal will expand CrossCountry’s national presence and add a network of retail originators, particularly in Western markets.
- [U.S. Rents Fall for 30th Straight Month, Hitting Four-Year Low](https://themortgagepoint.com/2026/03/18/median-rents-hit-four-year-low-as-market-records-30th-straight-month-of-decline/) - The U.S. rental market has reached its most budget-friendly level in four years. According to the Realtor.com February Rental Report, February marked the 30th consecutive month of year-over-year declines for 0- to two- bedroom properties, bringing the national median asking monthly rent to $1,667, the lowest level recorded since March 2022.
- [Compass Dismisses Zillow Lawsuit Following Federal Court Ruling ](https://themortgagepoint.com/2026/03/20/compass-announces-dismissal-of-lawsuit-following-federal-court-ruling-of-zillow-ban/) - Compass has voluntarily dismissed its lawsuit challenging Zillow’s Listing Access Standards, ending a legal dispute over how listings are shared and displayed online and who gets access to them.
- [NYC Launches ADU Program With Financing, Pre-Approved Plans for Homeowners](https://themortgagepoint.com/2026/03/20/nyc-mayor-unveils-new-tools-financing-to-help-homeowners-add-ancillary-dwelling-units/) - “By making it easier for New Yorkers to turn their homes into an extra place for a loved one or a little more income, we're allowing our city to grow while keeping the character of the neighborhoods we love," Mayor Zohran Mamdani said.
- [Fed Governors Leave Door Open for Rate Cuts Later This Year](https://themortgagepoint.com/2026/03/20/fed-governors-leave-room-open-for-rate-cuts-later-this-year/) - Christopher Waller and Michelle Bowman on Friday took to the airwaves to express their opinions about current conditions. The Fed’s evolving stance on rate cuts could shape mortgage rate trends and housing affordability in the months ahead.
- [Servicer Retention Hits Eight-Year High as Refinance Volume Grows ](https://themortgagepoint.com/2026/03/19/servicer-retention-improves-as-lending-jumps-to-near-four-year-high-in-q4/) - A new ICE Mortgage report showed that total mortgage originations reached their highest level since 2022, driven by a surge in refinance activity and improved borrower retention.
- [Single-Family Housing Starts Fall as Multifamily Drives Overall Gains ](https://themortgagepoint.com/2026/03/18/single-family-housing-starts-slip-as-home-construction-remains-stagnant/) - While U.S. housing starts rose for the third consecutive month due to multifamily housing activity, January saw a decline in single-family homebuilding, as worker sentiment, declining permits, and increasing volatility are projected to remain obstacles for home builders in the 2026.
- [Federal Reserve Officials Hold Steady on Interest Rates ](https://themortgagepoint.com/2026/03/18/federal-reserve-officials-hold-steady-on-interest-rates/) - At a press conference after the 11-1 vote, Fed Chair Jerome Powell also made clear that he intends to maintain his post until a DOJ investigation is over and his successor is confirmed.
- [Proposed ‘American Dream Accounts’ Aim to Help First-Time Buyers Save for Homes ](https://themortgagepoint.com/2026/03/19/new-legislation-proposal-will-benefit-first-time-buyers-relieving-some-affordability-pressures/) - A measure to establish the American Dream Account, which would enable American homebuyers to deposit funds into a savings account that is exempt from certain taxes, was recently introduced by a Florida Senator Rick Scott, allowing individuals under 35 to save roughly $7,500 annually.
- [Banking Regulators Release Reform Package to Overhaul Capital Requirements](https://themortgagepoint.com/2026/03/19/banking-regulators-release-package-of-reforms-to-overhaul-capital-requirements/) - The reforms represent the most significant overhaul of the post-2008 bank capital framework in years and are a win for Wall Street institutions that spent years lobbying against an earlier, more stringent version of the regulations.
- [U.S. Homes Now Taking 66 Days to Sell, Slowest February Since 2016](https://themortgagepoint.com/2026/03/19/redfin-typical-home-sells-in-66-days-the-slowest-winter-pace-since-2016/) - U.S. homebuyers are biding their time as spring approaches, usually the busiest season for the housing market. The typical home that went under contract in February spent 66 days on the market, the slowest February pace in a decade, according to a Redfin report.
- [Trump Urges DOJ to Continue Powell Probe as Court Blocks Subpoenas ](https://themortgagepoint.com/2026/03/19/president-trump-says-he-wants-doj-probe-of-powell-to-continue/) - The legal battle could delay the confirmation of Kevin Warsh and add uncertainty to the Federal Reserve’s leadership.
- [Nearly Half of U.S. Families Can't Afford to 'Thrive,' Study Finds](https://themortgagepoint.com/2026/03/18/about-half-of-u-s-families-fall-short-of-yearly-income-needed-to-thrive/) - Housing, food, and healthcare. A U.S. family with children needs about $145,000 in income to be considered economically secure, according to a report from the Urban Institute. About 49% of Americans live below that financial threshold, the nonpartisan think tank found.
- [More Homebuyers Taking up ARMs ](https://themortgagepoint.com/2026/03/18/buyers-opting-for-arms-as-home-loan-trends-shift/) - When interest rates rise, homebuyers usually opt for adjustable-rate mortgages, but a new report revealed that more consumers are choosing ARMs despite the fact that mortgage rates are beginning to decline, with Archana Pradhan, Principal Economist at Cotality, calling the changing trend a "bridge to affordability."
- [Fannie Mae, Freddie Mac Ease Insurance Rules to Lower Borrower Costs ](https://themortgagepoint.com/2026/03/18/fannie-mae-freddie-mac-remove-certain-homeowners-insurance-requirements-to-cut-costs/) - Fannie Mae and Freddie Mac will now allow more flexible insurance coverage, including actual cash value (ACV) policies, in an effort to reduce costs and improve mortgage access.
- [Pending Home Sales Edge Up in Q1, Led by Midwest, South, and West ](https://themortgagepoint.com/2026/03/17/u-s-pending-home-sales-show-slight-increase-in-q1/) - The latest National Association of Realtors (NAR) report revealed that February pending home sales increased slightly month-over-month, and while pending contracts appear to have increased due to improved affordability, areas like the Northwest were still hindered by a shortage of housing supply and rising property prices.
- [Fannie Mae Forecast: When Will Mortgage Rates Drop Below 6%? ](https://themortgagepoint.com/2026/03/17/fannie-mae-forecast-predicts-possible-shifts-in-mortgage-rates-trends/) - The latest housing outlook from Fannie Mae projects gradually declining mortgage rates in the coming quarters. However, reduced single-family construction may offset affordability gains by tightening supply.
- [LendingTree Data Shows First-Time Homebuyers Are Paying More, Putting Less Down](https://themortgagepoint.com/2026/03/17/lendingtree-first-time-homebuyers-get-smaller-loans-put-less-down-and-pay-higher-rates/) - Looking to buy your first home? Expect to get a smaller loan and pay higher rates. That’s one takeaway from a LendingTree analysis of more than 89,000 mortgage purchase inquiries made on its platform in 2025.
- [Baby Boomers’ Real Estate Dominance Hits Record High in 2025 ](https://themortgagepoint.com/2026/03/17/in-2025-the-oldest-americans-held-more-real-estate-wealth-than-ever-before/) - During Q2 2025, the share of real estate wealth held by 70+ year-olds surpassed that of 40- to 54-year-olds for the first time on record. Here are the factors in play.
- [Freedom Mortgage Affiliate to Acquire Seneca Mortgage Servicing](https://themortgagepoint.com/2026/03/17/freedom-mortgage-affiliate-to-acquire-seneca-mortgage-servicing/) - Freedom said it intends to use the acquisition to enhance Seneca's operational efficiency and leverage the Seneca platform to create new opportunities to grow its servicing business.
- [Entry-Level Luxury Homes Still Under $1M in These Markets ](https://themortgagepoint.com/2026/03/16/entry-level-luxury-mansions-costs-under-1m-in-these-surprising-metros/) - Beyond the red-hot luxury coastal and resort markets, a new group of affordable luxury havens is emerging where a budget below $1 million can still buy a high-end estate, Realtor.com reports.
- [Builders Outline Housing Plans to Address U.S. Housing Affordability Crisis ](https://themortgagepoint.com/2026/03/16/builders-outline-housing-plans-to-approach-u-s-housing-affordability-crisis/) - Home builder sentiment ticked up in March as new construction home affordability outpaced the share of existing homes in some U.S. markets. However, the National Association of Home Builders (NAHB) revealed that builders nationwide remain concerned about elevated labor expenses, material prices, and more.
- [Home Sellers Look to Spring for Housing Market Rebound](https://themortgagepoint.com/2026/03/16/u-s-home-sellers-hoping-for-spring-surge-in-home-sales/) - A new Redfin report showed that while new listings of homes for sale rose year-over-year in March, marking the first increase since November. Now, sellers are hoping mortgage rates closer to 6% will bring more buyers off the sidelines in spring.
- [More Places Are Turning to Factory-Built Homes](https://themortgagepoint.com/2026/03/16/more-places-are-turning-to-factory-built-for-affordable-housing/) - Cities and developers across the nation are increasingly turning to manufactured housing to address affordability and supply shortages.
- [Single Women Homeownership Rate Hits All-Time High Despite Ongoing Affordability Challenges](https://themortgagepoint.com/2026/03/09/single-women-homeownership-rate-hits-all-time-high-despite-ongoing-affordability-challenges/) - As March commemorates Women's History Month, more single women now own more homes than ever before, with First American data revealing a record number of single women-headed households bought homes in 2025—despite a notable decline in overall homeownership rates nationwide.
- [President Demands Immediate Interest Rate Cut](https://themortgagepoint.com/2026/03/13/president-demands-immediate-interest-rate-cut/) - President Donald Trump on Thursday pressed Federal Reserve Chair Jerome Powell to cut interest rates immediately, rather than wait for the next policy meeting on March 17.
- [Trump Signs Two Executive Orders to Improve Home Affordability](https://themortgagepoint.com/2026/03/13/trump-signs-2-executive-orders-to-improve-home-affordability/) - The first order addresses how the federal government would reduce its own housing regulatory burdens and create incentives for best practices by state and local governments. The second seeks to reduce the regulatory burdens tied to mortgages and to make it easier for small community banks to provide home loans.
- [Mortgage Originations Hit 3.5-Year High](https://themortgagepoint.com/2026/03/12/lending-rises-to-a-3-5-year-high-in-q4-as-refi-activity-increases/) - The March 2026 ICE Mortgage Monitor showed that total mortgage originations reached the highest quarterly total since Q3 2022, with servicer retention achieving an eight-year high and refinance activity on the rise.
- [Mortgage Applications on the Rise  ](https://themortgagepoint.com/2026/03/11/mortgage-applications-rise-in-latest-mba-weekly-survey/) - The latest survey from the Mortgage Bankers Association showed stronger purchase activity even as mortgage rates moved higher, led by increased FHA loan demand.
- [U.S. Home Price Appreciation Ticks Up Quarterly, Annually](https://themortgagepoint.com/2026/03/13/u-s-home-price-appreciation-ticks-up-quarterly-annually/) - While the housing market has shown positive yearly home price appreciation in most U.S. regions every quarter for more than a decade, the U.S. Federal Housing (FHFA) House Price Index (HPI) revealed which states experienced the greatest home price growth between Q4 2024 and Q4 2025.
- [Federal Judge Blocks Subpoenas in DOJ Investigation of Fed Chair](https://themortgagepoint.com/2026/03/13/federal-judge-blocks-subpoenas-in-doj-investigation-of-fed-chair/) - Federal Judge James Boasberg blocked subpoenas issued to the Federal Reserve as part of a criminal investigation of Jerome Powell by the prosecutors in the office of U.S. Attorney for Washington, D.C., Jeanine Pirro, who vowed to appeal.
- [Fed Chair Called 13 Lawmakers as DOJ Opened Criminal Probe](https://themortgagepoint.com/2026/03/13/fed-chair-called-13-lawmakers-as-doj-opened-criminal-probe/) - In the week after the Department of Justice opened a criminal probe into Federal Reserve Chair Jerome Powell, the central bank head called 13 lawmakers in both chambers and from both parties.
- [Reno Passes Las Vegas as Top Destination for California Homebuyers](https://themortgagepoint.com/2026/03/13/reno-passes-las-vegas-as-top-destination-for-california-homebuyers/) - Located more than 400 miles northwest of Las Vegas, but just across the border from California, Reno has seen its popularity among Golden State buyers reach new heights.
- [Foreclosure Starts and REOs Trend Higher Year Over Year](https://themortgagepoint.com/2026/03/12/foreclosure-activity-ticks-up-for-the-12th-consecutive-month/) - ATTOM's February 2026 U.S. Foreclosure Market Report revealed the number of properties with foreclosure filings (including default notices, scheduled auctions, or bank repossessions) has dropped compared to the previous month but increased compared to the same period last year.
- [Market Shifts Spurring Spike in ‘Accidental Landlords'](https://themortgagepoint.com/2026/03/12/accidental-landlords-rise-to-near-record-level-as-market-shifts/) - A near-record (and rising) share of homeowners are turning their unsold properties into rentals, according to new research from Zillow.
- [Inflation Held Steady in February (But Still Above the Fed's Target)](https://themortgagepoint.com/2026/03/12/inflation-held-steady-in-february-but-still-above-the-feds-target/) - The Bureau of Labor Statistics said the consumer price index rose slightly on a monthly basis in February and held steady year-over-year. Here are the details.
- [Senate Passes Bill to Address Nation's Housing Supply, Affordability Crisis ](https://themortgagepoint.com/2026/03/12/u-s-senate-passes-bill-to-address-nations-housing-crisis/) - The bill, from Sens. Tim Scott and Elizabeth Warren, passed 89-10. However, despite the overwhelmingly bipartisan vote in the Senate, it remains unclear whether the House will pass the legislation or if President Donald Trump will sign it.
- [FORCE Webinar to Explore the Future of Mortgage Defaults ](https://themortgagepoint.com/2026/03/11/the-force-membership-webinar-series/) - The March 31 webinar, entitled “Distress Signals: Where the Default Market Is Headed Next,” will provide timely updates on the shifting mortgage default landscape and what it means for real estate professionals focused on distressed and REO listings.
- [Construction for Affordable Housing Units Ready to Break Ground in California](https://themortgagepoint.com/2026/03/11/construction-for-affordable-housing-units-breaks-ground-in-california/) - The proposed project will offer affordable housing units for homeless individuals and persons in need of mental health services, and while zoning permission has been granted and gained the backing of local government figures, here's what is still holding things up.
- [The Midwest Metros Leading When It Comes to Millennial Homebuying](https://themortgagepoint.com/2026/03/11/almost-80-of-millennials-in-these-3-metros-are-finding-homes-to-buy/) - Millennial homebuyers face uphill affordability challenges when it comes to breaking into the housing market, but they’re finding more footing in these three Midwestern markets.
- [Examining the 'Hidden Costs' of Homeownership](https://themortgagepoint.com/2026/03/11/examining-the-hidden-costs-of-homeownership/) - According to a recent Neighbors Bank study, pricey property taxes and homeowners insurance are significantly contributing to increasing monthly housing expenses in the U.S., leaving many Americans frustrated.
- [NYC Council Considers Bill to Take Over Buildings From Negligent Landlords ](https://themortgagepoint.com/2026/03/10/nyc-council-may-help-mayor-take-buildings-from-worst-landlords/) - New York City Mayor Zohran Mamdani vowed to take control of apartment buildings from the city’s “worst” landlords in order to improve life for tenants. Now, the City Council may grant him a legal pathway to do it—though its future is far from certain.
- [HOA Regulations Shift as Florida House Passes New Rules](https://themortgagepoint.com/2026/03/10/hoa-regulations-shift-as-florida-house-passes-new-rules/) - HB 657 contains numerous amendments, including increases in oversight, allowing courts to handle disputes, and providing homeowners a pathway to dissolve associations.
- [Existing-Home Sales on the Rise in February  ](https://themortgagepoint.com/2026/03/10/existing-home-sales-report-shows-1-7-rise-in-february/) - The National Association of Realtors reported a modest monthly gain in existing-home sales as affordability improves and inventory gradually expands, hitting levels not seen since March 2022.
- [Mortgage Credit Supply Expands as Refinance Activity Grows ](https://themortgagepoint.com/2026/03/10/u-s-mortgage-credit-availability-jumps-in-2026/) - The Mortgage Credit Availability Index (MCAI) from the Mortgage Bankers Association (MBA) examined recent data from ICE Mortgage, indicates that the availability of mortgage credit improved in February.
- [January National Mortgage Delinquency Rate Ticks Downward](https://themortgagepoint.com/2026/03/10/january-national-mortgage-delinquency-rate-ticks-downward/) - After revisions to loss mitigation guidelines, FHA loans caused a significant increase in major delinquencies and active foreclosure activity, according to the Mortgage Credit Availability Index (MCAI) from the Mortgage Bankers Association (MBA).
- [Median Age of First-Time Buyers Declines as Market Conditions Ease ](https://themortgagepoint.com/2026/03/09/report-typical-first-time-homebuyer-is-35-years-old/) - A new analysis from Redfin found the typical first-time buyer was slightly younger in 2025 as affordability improved and housing inventory expanded.
- [Survey Highlights Consumer Frustration With Trigger Lead Calls](https://themortgagepoint.com/2026/03/09/unwanted-communication-distressing-u-s-loan-seekers/) - While the majority of loan or insurance policy seekers aren’t strangers to unwanted communication, the latest LendingTree survey investigates exactly these kinds of unsolicited calls and texts—known as "trigger leads"—which nearly three-quarters of those who’ve applied for a new financial product or service say they’ve received.
- [Washington State Bill Would Allow More Housing in Commercial Areas](https://themortgagepoint.com/2026/03/09/washington-state-bill-would-allow-more-housing-in-commercial-areas/) - The state of Washington is preparing to pass a bill that would require cities to allow residential development in some commercial areas. That's a priority for Gov. Bob Ferguson, according to Realtor.com. Senate Bill 6026 would require cities with more than 30,000 residents to allow residential uses in areas zoned for commercial and mixed-use development.
- [Fed’s Miran: Job Losses in February Bolster the Case for More Interest Rate Cuts](https://themortgagepoint.com/2026/03/09/feds-miran-job-losses-in-february-bolster-the-case-for-more-interest-rate-cuts/) - Federal Reserve Governor Stephen Miran said in a CNBC interview that the weak February jobs report boosts the rationale for the central bank to lower interest rates further. Here’s what else he had to say.
- [Home Price Increases Swaying Homebuyers, But They're Still Buying ](https://themortgagepoint.com/2026/03/06/home-price-increases-swaying-homebuyers-but-theyre-still-buying/) - Between Q4 2024 and Q4 2025, U.S. home prices increased in 41 states, with North Dakota, Delaware, Illinois, Wisconsin, and Michigan leading with the largest yearly appreciation.
- [Illinois Governor Proposes at Least $250M for Affordable Housing](https://themortgagepoint.com/2026/03/06/illinois-governor-proposes-at-least-250-million-for-affordable-housing/) - The governor’s affordability proposals, in his budget for fiscal 2027, come as Illinois faces a shortage of 142,000 homes, according to a report from the University of Illinois. To meet demand, Illinois needs an estimated 227,000 new units over the next five years.
- [Credit Score Study: Texas Faces Higher Rate Penalties, While California Saves More ](https://themortgagepoint.com/2026/03/06/credit-score-study-shows-texas-faces-higher-rate-penalties-while-california-saves-more/) - According to a recent nationwide credit score analysis published by AD Mortgage, credit preparedness has reflected a direct impact on the affordability of home purchases in the U.S.
- [Weak Jobs Report Could Complicate Fed’s Rate Decision](https://themortgagepoint.com/2026/03/06/weak-jobs-report-could-complicate-feds-rate-decision/) - The U.S. lost 92,000 nonfarm jobs in February and the jobless rate rose to 4.4%, according to data released Friday by the Bureau of Labor Statistics. San Francisco Federal Reserve President Mary Daly said the report adds to a difficult policymaking environment.
- [USDA Tightens Rules for Rural Homebuyer Loan Program](https://themortgagepoint.com/2026/03/06/usda-tightens-rules-for-rural-homebuyer-loan-program/) - USDA Rural Development announced policy changes governing its Section 502 direct loan program, which helps low- and very-low-income borrowers purchase homes in rural areas.
- [Report: Single-Family Rental Yields Tighten ](https://themortgagepoint.com/2026/03/05/rapid-decline-in-sfr-returns-driving-negative-investor-profits/) - As rent prices outpace home prices in more than half of all U.S. counties, ATTOM's annual Single-Family Rental Market report showed the best U.S. markets for buying single-family rental properties.
- [Nationwide Affordability Improvements Giving Homebuyers More Options & Optimism](https://themortgagepoint.com/2026/03/04/nationwide-affordability-improvements-giving-homebuyers-more-options-optimism/) - According to Mark Fleming, SVP and Chief Economist at First American, nearly every U.S. state is seeing an improvement in affordability, and in markets where housing supply has increased the most, these gains are happening even more quickly.
- [Cotality: Fast-rising Escrows Leading to Delinquency Spikes ](https://themortgagepoint.com/2026/03/04/cotality-fast-rising-escrows-leading-to-delinquency-spikes/) - A surge in mortgage delinquencies has occurred in 10 states with quickly rising escrows and where property taxes and homeowners insurance are rising the fastest, according to a new report from Cotality.
- [AEI Data Examines How Low-Income Wages Affect Rental Housing Markets ](https://themortgagepoint.com/2026/03/05/how-low-income-wages-affect-rental-housing-markets/) - New analysis from the American Enterprise Institute examines how wage levels correlate with rental housing availability, highlighting the role of market-rate and single-family rentals in supplying lower-cost units.
- [White House Formally Nominates Warsh to be Next Federal Reserve Chair](https://themortgagepoint.com/2026/03/05/white-house-formally-nominates-warsh-to-be-next-federal-reserve-chair/) - The Trump administration has sent to the Senate the nomination of Kevin Warsh, a former top Federal Reserve official, to be the next Fed chair when Jerome Powell's term ends in May.
- [Homebuyer Payments Jump, Ending Seven-Month Affordability Streak ](https://themortgagepoint.com/2026/03/05/mortgage-application-payments-increased-in-january/) - Homebuyer affordability declined in January, with the national median payment applied for by purchase applicants increasing as the year came to a close.
- [Relisted Homes Hit Highest January Level Since 2016 ](https://themortgagepoint.com/2026/03/05/homesellers-wager-on-stronger-spring-market-makes-relistings-jump/) - Nearly 45,000 homes previously delisted in 2025 returned to the market in January 2026, according to new data from Redfin, as sellers look to capitalize on seasonal demand and easing mortgage rates.
- [Spotlight Turns to Property Taxes as New York City Eyes Budget ](https://themortgagepoint.com/2026/03/04/new-york-citys-proposed-9-5-real-estate-tax-increase-hits-a-national-nerve/) - Calling it a last resort, Mayor Zohran Mamdani said that if the state government won't raise taxes on millionaires, the city might have to raise them on property instead to balance the city's budget.
- [As Congress Debates Housing Costs, Here’s Why Red Tape Has Driven Up Prices](https://themortgagepoint.com/2026/03/04/as-congress-debates-housing-costs-heres-why-red-tape-has-driven-up-prices/) - Government regulations have been a big cost for years, and the National Association of Home Builders reports that regulation accounts for a quarter of the cost to build a new single-family home and nearly 40% of the cost of a typical apartment development.
- [Fannie Mae Announces Tender Offer for Connecticut Avenue Securities Notes](https://themortgagepoint.com/2026/02/23/fannie-mae-announces-tender-offer-for-certain-connecticut-avenue-securities-notes/) - The GSE is seeking to buy back select Connecticut Avenue Securities—its benchmark credit risk transfer instrument—shifting portions of mortgage default risk previously sold to private investors.
- [Fannie Mae's Multifamily Affordable Housing Financing Jumps YoY](https://themortgagepoint.com/2026/02/06/fannie-maes-financing-of-multifamily-affordable-housing-rises-31-year-over-year/) - Fannie Mae said it provided roughly $74 billion in financing to support the U.S. multifamily housing market in 2025, the company’s largest annual multifamily volume since 2020.
- [Gen Z and Millennials Largely Sidelined From 2025 Housing Market ](https://themortgagepoint.com/2026/03/03/heres-why-gen-z-and-millennials-vanished-from-the-housing-market-in-2025/) - The U.S. housing supply gap widened to 4.03 million units as new construction faltered last year, fueling a vicious cycle of displacement that has essentially erased an entire generation from the market, Realtor.com research showed.
- [Millions of Owner-Occupied Homes Remain Uninsured Nationwide](https://themortgagepoint.com/2026/03/03/millions-of-owner-occupied-homes-remain-uninsured-nationwide/) - While purchasing a home is often one of the largest financial investments made by Americans, LendingTree experts examined the U.S. areas with the highest percentage of uninsured homes.
- [Household Debt Rises to $18.8T in Q4 as Delinquencies Edge Higher](https://themortgagepoint.com/2026/02/24/household-debt-balances-show-slight-increase-as-non-housing-debt-early-delinquencies-level-out/) - Mortgage debt rose to $13.17 trillion in Q4 2025, with the New York Fed noting that while overall delinquency rates remain near historical norms, deterioration is concentrated in lower-income regions and areas with falling home prices.
- [New York Fed President Signals Openness to Cuts Despite Market Volatility](https://themortgagepoint.com/2026/03/03/new-york-fed-president-rate-cuts-still-possible/) - New York Federal Reserve President John Williams said on Tuesday the central bank is on track for ‌more interest rate cuts if inflation pressures moderate as he expects, but he did not address the impact of the Iran conflict on the economy.
- [U.S. House-Buying Power Reaches 'Significant Milestone'](https://themortgagepoint.com/2026/03/03/u-s-house-buying-power-reaches-significant-milestone/) - For the first time in more than three years, house-buying power is entering the 2026 homebuying season above the national median list price, and Sam Williamson, Senior Economist for First American, suggests, "The modest surplus should support a stronger spring sales season than buyers and sellers have seen in recent years."
- [East Coast Apartment Developer Deploys $1B To Buy, Renovate Older Buildings](https://themortgagepoint.com/2026/03/03/east-coast-apartment-developer-deploys-1b-toward-buying-renovating-older-buildings/) - Bozzuto Group is partnering with Invesco in a $1 billion venture to buy existing multifamily assets on the East Coast. The focus is on properties that have lost significant value but can be renovated and repackaged to compete with newer, high-amenity buildings.
- [Illinois Legislators Think 'Granny Flats' May Help Ease Housing Shortage](https://themortgagepoint.com/2026/03/02/new-bill-seeks-to-improve-illinois-housing-gap-with-granny-flats-statewide/) - A new bill could help reduce Illinois’ housing shortage by guaranteeing property owners in every municipality the right to build accessory dwelling units (often called "granny flats"), as well as coach houses and basement units.
- [Citi Announces Blueprint for Housing Opportunity Initiative ](https://themortgagepoint.com/2026/03/02/citi-announces-its-blueprint-for-housing-opportunity-initiative/) - Citi’s $60 billion five-year housing affordability commitment is aimed at increasing the supply of housing through the creation and preservation of at least 250,000 units across the country.
- [As Investor Ban Advances, Lawmakers Grapple With Defining ‘Large’ ](https://themortgagepoint.com/2026/03/02/heres-a-key-question-about-the-ban-on-investors-buying-single-family-homes-what-is-large/) - After President Donald Trump called for curbing institutional ownership of single-family homes, competing bills now propose thresholds based on home counts or assets under management, with no single definition yet settled.
- [Florida Market Surge: Luxury Pending Homes Sales Surpass Non-Luxury Purchases ](https://themortgagepoint.com/2026/03/02/florida-market-surge-luxury-pending-homes-sales-surpass-non-luxury-purchases/) - According to a recent Redfin study, luxury pending home sales in the popular city of West Palm Beach in the Sunshine State significantly increased year-over-year in January—representing the largest rise among the 50 most populous U.S. metro areas.
- [Protecting Vacant REO Properties From Listing Scams](https://themortgagepoint.com/2025/12/04/protecting-vacant-reo-properties-from-listing-scams/) - Here's why every broker should set up Google Alerts immediately.
- [Turning Risk Into Readiness: What Top Catastrophe Management Programs Offer Servicers](https://themortgagepoint.com/2025/09/23/turning-risk-into-readiness-what-top-catastrophe-management-programs-offer-servicers/) - As disaster events intensify, mortgage servicers must demand more from their insurance partners and redefine what true catastrophe readiness looks like.
- [Cross-Market Demand Drives Out-of-Market Buyer Activity](https://themortgagepoint.com/2026/02/27/cross-market-demand-drives-out-of-market-buyer-activity/) - Realtor.com’s latest Cross-Market Demand Report shows nonlocal demand outpacing local interest in 87 of the top 100 metros, underscoring a more mobile and connected housing market.
- [HUD Rescinds Pandemic-Era Eviction Regulation  ](https://themortgagepoint.com/2026/02/26/hud-eliminates-pandemic-era-eviction-regulation-as-part-of-deregulation/) - Secretary Scott Turner announced HUD has streamlined and simplified guidance for nonpayment of rent in HUD-subsidized housing and eliminated a regulation that required public housing agencies and property owners receiving HUD funding to provide a 30-day written notification for nonpayment of rent prior to eviction.
- [GAO Examines Rise and Risks of Nonbank Lending](https://themortgagepoint.com/2026/02/26/gao-examines-rise-and-risks-of-nonbank-lending/) - As nonbanks make and service the majority of mortgage loans and, in contrast to traditional banks, do not accept deposits to fund loans or assist in enduring financial stress, instead depending on short-term funding to finance their operations, the General Accounting Office's WatchBlog examines a recent report on the growth and monitoring of nonbanks in the mortgage market.
- [NewDay USA Names Former HUD Deputy Secretary Brian Montgomery Advisory Vice Chairman ](https://themortgagepoint.com/2026/02/27/newday-usa-appoints-former-hud-deputy-secretary-and-fha-commissioner-brian-montgomery-as-vice-chairman/) - Montgomery is the only individual to serve as FHA Commissioner twice and under three different presidential administrations—Bush, Obama, and Trump in his first term.
- [Foreclosure Prevention Actions Top 7.29M Since 2008 ](https://themortgagepoint.com/2026/02/27/examining-foreclosure-preventions-refi-activity-home-loans-more/) - The Federal Housing Finance Agency's (FHFA) Foreclosure Prevention, Refinance, and Federal Property Manager's Report for November 2025 reveals that government-backed enterprises have completed more than 7.2 million foreclosure prevention actions since conservatorship began.
- [Federal Reserve Seeks to Quash Subpoenas in DOJ Investigation](https://themortgagepoint.com/2026/02/27/federal-reserve-seeks-to-quash-subpoenas-in-doj-investigation/) - According to reports, the Federal Reserve is challenging grand jury subpoenas issued by the Justice Department as part of a criminal probe involving Chair Jerome Powell and his 2025 Senate testimony.
- [Bipartisan MINT Act Aims to Expand Financing for Local Infrastructure ](https://themortgagepoint.com/2026/02/27/mint-act-seeks-to-support-community-development-projects-nationwide/) - New legislation introduced in the U.S. Senate and House of Representatives would allow Federal Home Loan Bank member institutions to support local development authorities by credit-enhancing tax-exempt bonds for non-housing-related community development projects.
- [Florida Lawmakers Fast-Track Property Tax Elimination Plan ](https://themortgagepoint.com/2026/02/26/florida-lawmakers-fast-track-property-tax-elimination-plan/) - A fast-tracked amendment backed by Florida lawmakers would end most city and county property taxes on primary residences beginning in 2027, pending 60% voter approval in 2026.
- [Rise of the Compliance Generalist: Why Your Next Hire Should Be A Swiss Army Knife](https://themortgagepoint.com/2026/01/31/generalist-why-your-next-hire-should-be-a-swiss-army-knife/) - As a result of the pandemic in 2020, when the world closed down, the work environment changed permanently. Industry expert Andrew Collins explained how the rapid shift to hybrid work became more common; the optimization of duties and tasks transitioned from fashionable jargon to a new normal; and employees with only one job function becoming a thing of the past.
- [The Exchange: Bruce Gehrke, Senior Director of Wealth and Lending Intelligence, J.D. Power](https://themortgagepoint.com/2026/01/31/the-exchange-bruce-gehrke-senior-director-of-wealth-and-lending-intelligence-j-d-power/) - Bruce Gerhrke talks about J.D. Power's recent survey of the mortgage industry about customer satisfaction with their mortgage servicer's digital experience.
- [5 Takeaways From the Human Multiplier: Where AI Stops and Expert Ops Begin](https://themortgagepoint.com/2026/01/31/5-takeaways-from-the-human-multiplier-where-ai-stops-and-expert-ops-begin/) - As AI reshapes mortgage workflows, a recent MortgagePoint webinar cut through the hype to explore how to balance automation, BPO, and human judgment for better outcomes.
- [Priced For Yesterday](https://themortgagepoint.com/2026/01/31/priced-for-yesterday/) - Delistings are surging far beyond seasonal norms as sellers anchored to pandemic-era prices collide with buyers constrained by higher mortgage rates and affordability ceilings, creating one of the widest pricing disconnects in years.
- [Beyond the City Limits, Part 2](https://themortgagepoint.com/2026/01/30/beyond-the-city-limits-part-2/) - In Part 2 of our MortgagePoint cover story on rural American housing, we take a look at how Farmer Mac keeps credit available and affordable for those who chose to live away from urban centers.
- [Beyond the City Limits, Part 1](https://themortgagepoint.com/2026/01/30/beyond-the-city-limits/) - In this excerpt from MortgagePoint magazine’s January cover story, we put federal rural lending and liquidity programs in the spotlight. In this first segment, we take a look at the USDA’s loan programs.
- [St. Louis Fed President Predicts a Good Year for the Economy](https://themortgagepoint.com/2026/02/26/st-louis-fed-president-predicts-a-good-year-for-the-economy/) - Alberto Musalem said in a Q&A session that inflation is a challenge, but that he feels hopeful about the “tailwinds” propelling the economy.
- [California Reopens Dream for All Program, Offering Down Payment Assistance ](https://themortgagepoint.com/2026/02/25/first-time-california-homebuyers-can-get-150k-for-down-payments/) - The clock is ticking on first-time homebuyers in California who have less than 20 days to lock in up to $150,000 in down payment assistance through a revived state program aimed at easing the crushing cost of buying in the Golden State.
- [New Home Purchase Mortgage App Activity Rebounds   ](https://themortgagepoint.com/2026/02/25/new-home-purchase-mortgage-applications/) - The trade group’s Builder Application Survey estimates a seasonally adjusted annual rate of 663,000 new single-family home sales, up from December, as buyers leaned on builder incentives and ARM loans.
- [Nearly One-Third of Americans Hope for Housing Market Crash, Survey Finds ](https://themortgagepoint.com/2026/02/25/buyers-rooting-for-housing-market-crash-to-get-closer-to-homeownership/) - According to a new LendingTree survey, owning a home has become unattainable for so many Americans that some homebuyers are even hoping for the market to collapse so they can afford to buy, while others believe 50-year mortgages could get them a step closer.
- [State of the Union: Trump Vows to Make Housing Affordable](https://themortgagepoint.com/2026/02/25/state-of-the-union-trump-vows-to-make-housing-affordable/) - n his State of the Union address, President Donald Trump pledged to lower mortgage rates and curb institutional investor activity while preserving homeowners’ equity gains.
- [Boston Fed President: Central Bank 'Quite Likely' to Hold Rates Steady for Some Time](https://themortgagepoint.com/2026/02/25/boston-fed-president-central-bank-quite-likely-to-hold-rates-steady-for-some-time/) - Susan Collins added her voice to comments by other Fed officials, saying that "a patient and deliberate approach is appropriate at this stage" when it comes to future rate adjustments.
- [Legal League Webinar to Examine Statute of Limitations Risks](https://themortgagepoint.com/2026/02/24/when-the-clock-runs-out-sol-risks-across-key-jurisdictions/) - The Legal League will host a session for servicers and default specialists exploring how statute of limitations rules in states such as Florida, California, and New York can impact foreclosure timelines and litigation exposure.
- [Why Mortgage Credit Checks Are Costing U.S. Homebuyers More](https://themortgagepoint.com/2026/02/23/why-mortgage-credit-checks-are-costing-u-s-homebuyers-more/) - The Mortgage Bankers Association reports that the average cost for mortgage lenders to obtain credit reports from all three main credit agencies has increased significantly over time, with expenses in 2026 potentially rising even further, according to CNBC.
- [Zillow: U.S Homebuyers Gain Most Purchasing Power Since 2022 ](https://themortgagepoint.com/2026/02/24/zillow-u-s-homebuyers-gain-most-purchasing-power-since-2022/) - Zillow forecasts further rate declines in 2026 that could expand buying power even more, supporting a projected 4% rise in existing home sales as inventory continues to recover.
- [Chicago Fed's Goolsbee Urges a Hold on Rate Cuts](https://themortgagepoint.com/2026/02/24/chicago-feds-goolsbee-backs-a-hold-on-rate-cuts-as-current-inflation-rate-not-good-enough/) - Recent indicators show that inflation is off its highs, but still above the Fed’s 2% target, and Austan Goolsbee said that policymakers “have been burned by assuming transitory inflation” in the past.
- [ServiceLink Promotes Industry Veteran Erin Reed to SVP, Valuation](https://themortgagepoint.com/2026/02/24/servicelink-promotes-industry-veteran-erin-reed-to-svp-valuation/) - ServiceLink said it is reinforcing its commitment to deliver modernized valuation solutions, best-in-class performance and deeper partnerships with clients through the promotion of Erin Reed to senior vice president of valuation. Reed will continue to execute and oversee ServiceLink’s vendor panel strategy, while taking on an expanded role leading valuation customer service. Reed, who has
- [Responsible Use of AI in Mortgage Servicing, Part 2](https://themortgagepoint.com/2026/01/16/responsible-use-of-ai-in-mortgage-servicing-part-2/) - In the second of a three-part series, the Mortgage Servicing Executive Alliance examines where AI is being deployed across the servicing lifecycle, the operational and compliance risks that accompany those tools, and the best practices servicers are using to apply AI responsibly.
- [Responsible Use of AI in Mortgage Servicing](https://themortgagepoint.com/2026/01/09/responsible-use-of-ai-in-mortgage-servicing/) - In the first of a three-part series, the Mortgage Servicing Executive Alliance examines how servicers can deploy artificial intelligence to drive efficiency and borrower engagement while managing fairness, transparency, and regulatory risk.
- [Leaseholder Conditions Strengthen, Shifting Toward a More 'Renter-Friendly' Market](https://themortgagepoint.com/2026/02/23/leaseholder-conditions-strengthen-shifting-toward-a-more-renter-friendly-market/) - Recent Realtor.com data reported that January marked the 29th consecutive month that rents for units with 0–2 bedrooms have decreased year-over-year, in addition to a significant rise in vacancies—where asking rents decreased annually.
- [Housing, Banking Groups Ask Federal Regulators to Ease Mortgage Capital Rules  ](https://themortgagepoint.com/2026/02/23/industry-associations-send-regulators-letter-asking-them-to-revisit-mortgage-capital-rules/) - A coalition of eight associations, including the Mortgage Bankers Association, American Bankers Association, Housing Policy Council, and U.S. Mortgage Insurers, argued in a letter that existing capital rules have pushed banks out of mortgage origination, servicing, and securitization activities.
- [Fed’s Waller: March Rate Cut a ‘Coin Flip’ ](https://themortgagepoint.com/2026/02/23/feds-waller-calls-rate-cut-in-march-a-coin-flip-after-strong-u-s-jobs-report/) - Christopher Waller said stronger-than-expected January job gains complicate the outlook for a March rate cut, with the decision hinging on whether labor market momentum continues.
- [One Year After LA Wildfires, Many Homeowners Still Waiting to Rebuild ](https://themortgagepoint.com/2026/02/23/a-year-after-wildfires-la-residents-still-face-rebuilding-challenges/) - The Palisades and Eaton fires began in January 2025, destroying more than 16,000 homes and burning more than 38,000 acres. More than 12 months later, residents say permitting delays, insurance disputes, and funding gaps continue to slow recovery across Los Angeles
- [HUD Moves to Close 'Mixed Status Households' Roommate Loophole](https://themortgagepoint.com/2026/02/20/hud-moves-to-close-mixed-status-households-roommate-loophole/) - According to a statement from the Department, the proposed rule will ensure that taxpayer-funded housing benefits only go to U.S. citizens and eligible individuals for the first time in history.
- [January Data Suggests Early-Year Lift for New Construction ](https://themortgagepoint.com/2026/02/20/january-new-home-purchase-mortgage-applications-rise-2/) - Mortgage applications for new homes increased both monthly and annually, with average loan sizes hitting an 11-month high as buyers leaned on conventional and FHA financing.
- [Supreme Court Limits Trump’s Use of Emergency Powers on Tariffs ](https://themortgagepoint.com/2026/02/20/supreme-court-throws-out-trumps-tariffs-in-6-3-decision/) - Writing for the majority, Chief Justice John Roberts said the administration failed to identify clear congressional authorization to levy broad peacetime import taxes under a 1977 emergency statute.
- [Sunshine State Migrations Plummet Amid Job Relocation Increase](https://themortgagepoint.com/2026/02/20/sunshine-state-migrations-plummet-amid-job-relocation-increase/) - According to Realtor.com, the popular Miami metro is still a strong draw for professionals from out-of-state homebuyers who are looking for new relocation opportunities; however, Florida may have lost some of its pandemic-era appeal as net migration fell over the past three years.
- [Landlords Face Heat for Flood Risk Disclosure Requirements](https://themortgagepoint.com/2026/02/20/landlords-face-heat-for-flood-risk-disclosure-requirements/) - The number of states with legislation mandating landlords to notify tenants of flood risk has nearly quadrupled in recent years, with only four states in 2017 nationwide showing requirements, compared to 11 by the end of 2025.
- [Supreme Court Rules President Trump's Tariffs are Illegal](https://themortgagepoint.com/2026/02/20/supreme-court-rules-president-trumps-tariffs-are-illegal/) - The Trump administration had asserted "extraordinary power to unilaterally impose tariffs of unlimited amount, duration and scope,” Chief Justice John Roberts wrote in the ruling that blocks the sweeping reciprocal tariffs and those imposed on Canada, China, and Mexico.
- [The Fed to Loosen Bank Rules in Effort to Boost Mortgage Lending ](https://themortgagepoint.com/2026/02/17/the-fed-to-loosen-bank-rules-in-an-effort-to-boost-mortgage-lending/) - According to Fed Vice Chair for Supervision Michelle Bowman in a speech on Monday, the central bank is preparing to ease U.S. bank capital requirements in a drive to encourage lenders to provide more mortgages for American homebuyers.
- [Home Listings Heighten as Market Shifts in Buyer's Favor](https://themortgagepoint.com/2026/02/18/home-listings-heighten-as-market-shifts-in-buyers-favor/) - Home listings are piling up in more metros nationwide, and home shoppers can look forward to more buyer-friendly conditions with inventory continuing to surge as the end of Q1 2026 approaches.
- [Buyers' Median Down Payments Decline Despite Rising Home Prices](https://themortgagepoint.com/2026/02/19/buyers-median-down-payments-decline-despite-rising-home-prices/) - The typical U.S. homebuyer’s down payment price saw a slight decrease year-over-year in December, according to Redfin experts, with housing costs and increased negotiating power driving buyers to spend less upfront.
- [Warsh Predicts AI-Driven Rate Cuts, But Fed Governor Pushes Back](https://themortgagepoint.com/2026/02/18/warsh-says-ai-could-push-down-interest-rates-soon-but-some-at-fed-disagree/) - Advances in AI are unlikely to push down interest rates in the short term, a key Federal Reserve official said Tuesday, in contrast to Fed Chair nominee Kevin Warsh’s remarks regarding borrowing costs.
- [Ohio Governor: Ending Property Taxes Could Drive Up State's Sales Tax](https://themortgagepoint.com/2026/02/19/ohio-governor-ending-property-taxes-could-drive-states-sales-tax-to-20/) - Republican Gov. Mike DeWine says the sales tax could jump to 20% to replace $24 billion in lost property tax revenue if a constitutional amendment passes. Advocates view abolishing property taxes as a way of helping homeowners.
- [Zombie Foreclosures Concentrated in Midwest Metros ](https://themortgagepoint.com/2026/02/19/vacancy-and-zombie-home-rates-remain-low-across-the-country/) - Property data company ATTOM’s first-quarter 2026 Vacant Property and Zombie Foreclosure Report shows that nearly 1.4 million homes were vacant at the beginning of the year, with markets such as Cleveland and Baltimore posting the highest metro-level shares, underscoring localized distress amid broader stability.
- [Homebuyers Pull Back Slightly to Start 2026 ](https://themortgagepoint.com/2026/02/19/january-pending-home-sales-activity-shows-moderate-decline/) - According to the latest Pending Home Sales Report, mortgage purchase activity remains sluggish, as “improving affordability conditions have yet to induce more buying activity,” according to Dr. Lawrence Yun, Chief Economist for the National Association of Realtors.
- [Going Up? What Fed Officials Discussed About Rate Hike Scenarios](https://themortgagepoint.com/2026/02/19/going-up-fed-officials-discussed-rate-hike-scenarios-at-last-meeting/) - Minutes from the Jan. 27–28 meeting show policymakers at the Federal Reserve debated not only when to cut rates, but also scenarios in which additional tightening could be warranted if inflation fails to move back toward 2%.
- [Subsidized Credit Gives Rental Investors a Bidding Edge ](https://themortgagepoint.com/2026/02/18/investors-competing-with-u-s-borrowers-for-single-family-rentals/) - Millions of people who cannot—or choose not to—buy homes can find stable housing through single-family rentals, a vital part of the U.S. housing sector. Compared to big institutional firms, however, small investors are now competing with first-time buyers on a far greater scale.
- [Housing Starts Cool in December as Builders Remain Cautious](https://themortgagepoint.com/2026/02/18/census-bureau-new-resident-construction-report-housing-starts-down-in-december/) - While new housing starts were up in November, the U.S. Census Bureau reported that they were down in December as homebuyers were "holding back" during the fourth quarter.
- [Mamdani: Tax the Wealthy or NYC Will Raise Property Taxes](https://themortgagepoint.com/2026/02/18/mamdani-proposes-raising-nyc-property-taxes-if-state-doesnt-ok-tax-hike-on-wealthy-corporations/) - New York City Mayor Zohran Mamdani, who legally must balance the city's budget, warns that a city property tax hike "would effectively be a tax on working and middle-class New Yorkers."
- [Here’s How Much More Income Homebuyers Need Than Renters  ](https://themortgagepoint.com/2026/02/17/redfin-homebuyers-need-to-earn-35k-more-than-renters-to-afford-monthly-payments/) - Falling mortgage rates and rising wages have narrowed the affordability divide, but buyers still need significantly more than the median U.S. household income to purchase a typical home.
- [Household Growth Shines, Deep in the Heart of Texas ](https://themortgagepoint.com/2026/02/17/u-s-added-millions-of-households-but-austins-growth-stands-apart/) - While U.S. household growth rose 13% over the past decade, one Texas metro surged far ahead, driven by job growth, multigenerational in-migration, and steady housing demand, according to NAR.
- [National Mortgage Servicing Association Announces Leadership Transition: Patrick Coon, U.S. Bank Named Chairperson](https://themortgagepoint.com/2026/02/17/u-s-banks-patrick-coon-bank-named-chairperson-of-national-mortgage-servicing-association/) - Patrick Coon succeeds John Vella of Selene Finance as Chairperson of the industry-leading organization for mortgage servicing executives.
- [Homeownership Divides Across Generations ](https://themortgagepoint.com/2026/02/16/black-white-homeownership-rates-shifting-by-generation/) - New data from Redfin shows homeownership rising for white Gen Z and millennial households while slipping for their Black peers, highlighting growing generational divides in access to housing wealth.
- [Older Sellers Face Growing Penalty on Home-Sale Profits ](https://themortgagepoint.com/2026/02/16/older-homeowners-feeling-the-drawbacks-of-low-housing-returns/) - While buying and selling a home are big financial decisions for most Americans, a new paper from the Center for Retirement Research revealed why older sellers receive lower returns, highlighting age disparities among housing markets nationwide.
- [USDA: Farm Sector Wealth Forecast to Grow in 2026 ](https://themortgagepoint.com/2026/02/13/usda-farm-sector-wealth-forecast-to-grow-in-2026/) - The U.S. Department of Agriculture forecasts farm sector equity climbing to $3.92 trillion next year, driven by higher asset values even as debt continues to grow faster than assets.
- [Ghosting the Market: Metros Where Buyers are Backing Out of Deals](https://themortgagepoint.com/2026/02/16/ghosting-the-market-the-metros-where-buyers-are-backing-out-of-deals/) - The winter blues are hitting the housing landscape, and buyers are ghosting the market by snapping up homes from active inventory but then backing out after it's gone under contract.
- [Wall Street to Y’all Street’: America's Wealthy are Swapping the City for Acres of Freedom in Texas](https://themortgagepoint.com/2026/02/16/wall-street-to-yall-street-americas-wealthy-are-swapping-the-city-for-acres-of-freedom-in-texas/) - Recent data from Texas Realtors shows that one-third of new residents are coming from California, Florida, New York, and Colorado, with 30% of interstate movers choosing to relocate to Dallas.
- [New Construction Home Discounts Skew Market More Buyer-Friendly ](https://themortgagepoint.com/2026/02/13/discounts-on-new-construction-homes-help-shift-toward-a-more-buyer-friendly-market/) - The latest Realtor.com report highlighted that in Q4, new build listings showed more price reductions compared to existing homes, marking the first time in recent history that new homes were more likely to have a price cut than previously owned homes.
- [Refinancing Surpasses Purchase Loans in Q4 2025 ](https://themortgagepoint.com/2026/02/13/q4-refinancing-shares-fuels-home-lending-activity/) - ATTOM's Q4 2025 U.S. Residential Property Mortgage Origination Report revealed the total dollar amount of loans in Q4 ticked up slightly from the previous quarter, despite home sale activity slowing moderately.
- [House Passes Sweeping Bipartisan Housing Package](https://themortgagepoint.com/2026/02/10/house-overwhelmingly-passes-sweeping-bipartisan-housing-package/) - House lawmakers on Monday approved a package of bills aimed at increasing housing affordability by giving builders and local governments incentives to boost construction by reducing regulations around home construction.
- [California Expands Mortgage Relief for Disasters, Including 2025 LA Firestorms ](https://themortgagepoint.com/2026/02/13/california-expands-mortgage-relief-for-disasters-including-2025-la-firestorms/) - The expansion announced by Gov. Gavin Newsom makes available up to a full year of mortgage assistance—up to $100,000—that does not need to be repaid.
- [Freddie Mac Net Income, Profit Drop in 2025 as Credit-Loss Provisions Rise](https://themortgagepoint.com/2026/02/13/freddie-mac-profit-drops-10-in-2025-as-credit-loss-provisions-rise/) - Freddie Mac reported full-year net income of $10.7 billion, down nearly 9% from 2024, as higher credit-loss provisions and lower net revenues weighed down results despite steady mortgage volumes.
- [Consumer Prices Rose Less Than Expected in January](https://themortgagepoint.com/2026/02/13/consumer-prices-rose-less-than-expected-in-january/) - January’s consumer price index came in slightly below forecasts, signaling continued moderation even as inflation remains above the Federal Reserve’s 2% target.
- [Foreclosures Continue Gradual Climb Into 2026 ](https://themortgagepoint.com/2026/02/11/foreclosure-activity-trends-in-2026/) - January filings increased year over year for the eleventh consecutive month, signaling further market normalization as pandemic-era protections fade and higher housing costs strain some homeowners.
- [NAR Economist Calls Slumping Home Sales a 'New Housing Crisis' ](https://themortgagepoint.com/2026/02/12/nar-existing-home-sales-report-shows-8-4-decrease-in-january/) - Sales of previously owned homes dropped to the slowest since late 2023 as high prices, limited supply, and buyer hesitation continued to weigh on the housing market despite modest affordability gains.
- [Redfin: Income Needed to Buy a Home Still Out of Reach for Many ](https://themortgagepoint.com/2026/02/12/redfin-homebuyers-must-earn-111k-to-afford-the-typical-home-down-4-from-last-year/) - The amount homebuyers need to earn annually to afford the median-priced U.S. home is down from a year ago, though most households still fall short.
- [NYC Mayor Mamdani Backs Away From Rental Voucher Expansion ](https://themortgagepoint.com/2026/02/12/nyc-mayor-reverses-campaign-promise-to-expand-rental-assistance/) - Just weeks into his term, Mayor Zohran Mamdani is retreating from a campaign pledge to expand the $1.2 billion CityFHEPS rental assistance program, citing a looming $7 billion budget deficit and concerns about long-term costs.
- [Household Mobility Falls to Record Low as 'Lock-In' Effect Persists](https://themortgagepoint.com/2026/02/11/the-state-of-household-mobility/) - The latest decrease was primarily driven by homeowners, who chose to remain in their homes due to elevated interest rates and housing prices. Meanwhile, renter mobility remained stable as the number of moves into new units balanced out the impact of high lease renewal costs.
- [PennyMac Acquires Cenlar’s Subservicing Business](https://themortgagepoint.com/2026/02/11/pennymac-acquires-cenlars-subservicing-business/) - The deal will allow PennyMac to become the second largest mortgage servicer overall, and one of the largest subservicers in the U.S.
- [Fannie Mae Posts Lower Profit but Record Net Worth in 2025 ](https://themortgagepoint.com/2026/02/11/fannie-mae-earns-3-5b-in-fourth-quarter-14-4b-in-2025/) - Despite a decline in earnings driven by higher credit loss provisions and lower fair value gains, Fannie Mae ended the year with $109 billion in net worth and $14.4 billion in annual net income, reinforcing its capital strength entering 2026
- [Inventory Up Year Over Year, But Recovery Losing Momentum](https://themortgagepoint.com/2026/02/11/housing-inventory-up-since-last-year-but-losing-ground-on-pre-pandemic-recovery/) - The number of actively listed homes rose 10% compared to January 2025. It marks the 27th consecutive month of year-on-year inventory gains, according to the Monthly Market Trends Report by Realtor.com.
- [How AI is Changing Mortgage Servicing](https://themortgagepoint.com/2025/10/23/how-ai-is-changing-mortgage-servicing/) - From predictive analytics to generative tools, AI is streamlining workflows, improving retention, and reshaping how servicers connect with borrowers. (This piece originally appeared in MortgagePoint magazine.)
- [Consumer Delinquencies at Highest Level in Nearly a Decade](https://themortgagepoint.com/2026/02/11/consumer-delinquencies-at-highest-level-in-nearly-a-decade/) - The housing market continues to drive debt growth, with mortgage balances growing by $98 billion to total $13.17 trillion at the end of December, according to the Federal Reserve Bank of New York.
- [Fed's Miran: Data Suggests Americans Aren't Shouldering Tariff Impact ](https://themortgagepoint.com/2026/02/10/feds-miran-data-suggests-americans-arent-shouldering-tariff-hit/) - Fed Governor Stephen Miran says the Trump administration’s policy of trade tariffs has proved more benign than many had feared in comments in which he argued that foreigners and their firms are the ones primarily paying for the tax hikes, not Americans.
- [Keys for Life Event Celebrates Lifetime Achievements and Military Veterans](https://themortgagepoint.com/2025/09/30/keys-for-life-event-celebrates-lifetime-achievements-and-military-veterans/) - A long-standing Five Star tradition, Tuesday’s Keys for Life Luncheon marked the midpoint of the conference and featured the 2025 Lifetime Achievement Award recipient, a state-of-the-industry chat, and a celebration of wounded veterans.
- [FORCE Rally Highlights REO Trends, Market Insights & More ](https://themortgagepoint.com/2025/09/29/force-rally-highlights-reo-trends-market-insights-more/) - The Federation of REO Certified Experts (FORCE) celebrated 15 years of industry success at the annual Five Star Conference and Expo, calling attention to the shifting market landscape while detailing the rising concerns and conversations about the direction the REO sector will take in the months and years ahead.
- [Education and Updates Highlight Day Two of 2025’s Five Star Conference](https://themortgagepoint.com/2025/09/30/education-and-updates-highlight-day-two-of-the-2025-five-star-conference/) - Education was on the agenda during the second day of the 2025 Five Star Conference & Expo in Dallas, as subject-matter experts representing servicers, lenders, federal government agencies, financial services law firms, service providers, investors, and real estate organizations presented a day full of informative panel discussions and sessions.
- [U.S. Enjoys Five-Year Surge in Affordable Apartment Construction ](https://themortgagepoint.com/2026/02/10/record-year-for-affordable-housing-construction-seattle-leads-nation/) - Nearly 310,000 affordable apartments have been built nationwide since 2020, with a record share delivered in 2024, as public funding and tax credit programs helped developers push projects forward despite higher costs.
- [Property Preservation, Lending & Origination Forums Offer Education & Encouragement ](https://themortgagepoint.com/2025/09/29/property-preservation-lending-origination-forums-offer-education-encouragement/) - Conference attendees were provided with valuable information during the Property Preservation and Lending & Origination Forums, with notable industry experts offering recent statistics, success strategies and their personal testimonials within their journey through the mortgage market, lending sectors, and home maintenance for vacant or foreclosed homes.
- [Five Star Conference Concludes With Focuses on Asset Management & Mortgage Tech](https://themortgagepoint.com/2025/10/01/five-star-conference-concludes-with-deep-dive-into-the-technologies-of-tomorrow/) - The third and final day of the 2025 Five Star Conference & Expo featured an array of educational offerings, highlighted by the FORCE Connect networking event, REO Asset Management Summit, and MTech Forum.
- [Women in Housing Luncheon Shines a Light on Legacy](https://themortgagepoint.com/2025/10/01/women-in-housing-luncheon-shines-a-light-on-building-legacies/) - Closing out this year’s Five Star Conference & Expo, the event featured the return of the popular She-Suite discussion panel alongside the announcement of this year’s Women in Housing Leadership Awards recipients.
- [A Life in Mortgage: Patrick Coon’s Legacy of Caring in the Mortgage Industry](https://themortgagepoint.com/2025/10/21/a-life-in-mortgage/) - With more than 40 years of experience, 2025 Lifetime Achievement Award recipient Patrick Coon reflects on mentorship, leadership, and resilience as hallmarks of his career in mortgage servicing.
- [Rate Stability Fuels Rebound in Commercial, Multifamily Lending ](https://themortgagepoint.com/2026/02/10/commercial-multifamily-borrowing-up-30-in-4th-quarter-of-2025/) - Commercial and multifamily mortgage originations surged 30% from a year earlier in the fourth quarter, capping a strong rebound year for lending as rate stability and clearer pricing drew more capital back into the market.
- [Condo Markets Experience 'Major Shifts' in 2026](https://themortgagepoint.com/2026/02/10/condo-markets-experience-major-shifts-in-2026/) - The introduction of a new obligatory digital transparency law and a significant court decision that provided developers with a so-called "poison pill" have dramatically altered the power dynamics in the Sunshine State, according to Fox Business.
- [Luxury Home Prices Tick Up, But Demand Remains Stagnant ](https://themortgagepoint.com/2026/02/09/home-prices-for-luxury-homes-tick-up-although-demand-remains-stagnant/) - Though luxury home prices increased in December—more than three times the increase of non-luxury prices—only two major metro areas experienced notable declines.
- [Refi Opportunities on the Rise for U.S. Homeowners](https://themortgagepoint.com/2026/02/09/refi-opportunities-on-the-rise-for-u-s-homeowners/) - Despite housing costs hitting a four-year high, affordability is still stretched because of high home price-to-income ratios. As industry expert Andy Walden, Head of Mortgage and Housing Market Research at ICE, stated that "affordability remains structurally challenged, with home prices still elevated relative to incomes."
- [Analysts Don’t Expect a Rapid Shift in the Fed’s Footprint Under Warsh](https://themortgagepoint.com/2026/02/09/analysts-dont-expect-a-rapid-shift-in-the-feds-footprint-under-warsh/) - An abrupt shift in the Federal Reserve’s role in financial markets under a potential Kevin Warsh chairmanship is unlikely, Morgan Stanley economists say.
- [Nearly 40% of U.S. Homeowners Did Not Have a Mortgage in 2024](https://themortgagepoint.com/2026/02/09/nearly-40-of-u-s-homeowners-did-not-have-a-mortgage-in-2024/) - The percentage of U.S. owner-occupied homes owned free and clear rose from 34.4% in the 2010-2014 period to 39.4% in 2020-2024, according to the U.S. Census Bureau’s 2024 American Community Survey five-year estimates.
- [More than 160 Lenders Commit to Extend Mortgage Relief for LA Fire Survivors](https://themortgagepoint.com/2026/02/09/more-than-160-lenders-commit-to-extend-mortgage-relief-for-la-fire-survivors/) - Gov. Gavin Newsom said the lenders have agreed to streamline the process for requesting at least one additional forbearance period of up to 90 days for qualified borrowers, beyond the 12-month commitment required by a law the governor signed last year.
- [Many Homeowners with Elevated Mortgage Rates Could Benefit from Refinancing ](https://themortgagepoint.com/2026/02/05/many-homeowners-with-elevated-mortgage-rates-would-benefit-from-refinancing/) - The share of homeowners carrying mortgage rates above 5% has tripled since 2022, and even modest rate declines could open refinancing opportunities for millions of borrowers, according to new analysis from ICE Mortgage Technology.
- [Industry Experts Describe U.S. Mortgage Markets as a  'Tale of Two Cities'](https://themortgagepoint.com/2026/02/06/industry-experts-describe-u-s-mortgage-markets-as-a-tale-of-two-cities/) - This week, the CEO of Rocket Companies stated in a new report that there are signals that Americans are now leaving the sidelines and competing for homeownership, reflecting a broader reality for American homebuyers.
- [ServiceMac Exceeds One Million Loans & Over $300B in Subservicing Portfolio](https://themortgagepoint.com/2026/02/06/servicemac-exceeds-one-million-loans-over-300b-in-subservicing-portfolio/) - ServiceMac has bolstered its reputation as one of the industry’s dependable and trusted U.S. subservicers, surpassing previous loan levels and heightening subservicing portfolio activity.
- [DIMONT Appoints Marc Hinkle as Chief Revenue Officer](https://themortgagepoint.com/2026/02/06/dimont-appoints-marc-hinkle-as-chief-revenue-officer/) - DIMONT, a provider of hazard insurance claims adjusting services for mortgage loan investors and servicers, announced the appointment of Marc Hinkle as Chief Revenue Officer.
- [Looming Housing Bill Vote Would Tackle Housing Affordability Crisis](https://themortgagepoint.com/2026/02/04/looming-housing-bill-vote-to-tackle-housing-affordability-crisis/) - House Republicans are looking ahead to next week's possible vote on the Housing for the 21st Century Act, part of Congress's efforts to enact legislation combating the housing affordability crisis. House Financial Services Chair French Hill said he is "really pushing" for the bill to come to the House floor soon.
- [Once Among the Nation’s Hottest Housing Markets, Austin Is Now the Slowest](https://themortgagepoint.com/2026/02/06/once-among-the-nations-hottest-housing-markets-austin-is-now-the-slowest/) - Redfin reports unsustainable price growth in recent years along with a homebuilding boom have left Austin with more sellers than buyers. That means the buyers who are in the market can take their time and negotiate.
- [Impact of Proposed Mortgage Plan Might be Opposite of President's Intent, Economists Say ](https://themortgagepoint.com/2026/02/04/economists-heed-trumps-proposed-mortgage-plan-cautioning-home-price-changes-long-term-impacts/) - The potential $200 billion mortgage bond purchase plan by President Trump to reduce nationwide mortgage rates has fueled a heated debate, with experts warning that its advantages may be fleeting and that it could lead to increased home prices.
- [Homeowner Equity Eases Slightly as Housing Market Stabilizes ](https://themortgagepoint.com/2026/02/03/the-state-of-homeowner-equity-underwater-properties/) - New ATTOM data shows the share of equity-rich homes dipped to 44.6% in Q4 2025, signaling a gradual normalization of homeowner equity after years of rapid price gains while underwater mortgage rates remain near historic lows.
- [Housing Unaffordability Hits Record Highs as Share of Cost-Burdened Households Increases ](https://themortgagepoint.com/2026/02/05/housing-unaffordability-climbs-as-share-of-cost-burdened-households-hits-record-high/) - Harvard's Joint Center for Housing Studies reported that in 2024, the number of cost-burdened households reached record-high levels due to persistent housing affordability issues, leaving homeowners and renters nationwide in financial distress.
- [Apartment Rents Drop to the Lowest Level in Four Years](https://themortgagepoint.com/2026/02/05/apartment-rents-have-dropped-to-the-lowest-level-in-four-years/) - According to a new report by Apartment List, apartment rents have continued their slide into the new year, as fresh supply makes its way through the market and landlords seek to gain pricing power over struggling consumers.
- [For-Sale Homes Offering Buyers More Options & Leverage in These Metros ](https://themortgagepoint.com/2026/02/05/for-sale-homes-offer-buyers-more-options-leverage-in-these-metros/) - While the number of homes for sale in the U.S. continued to inch upward in January, offering homebuyers more options and leverage, some 46 of the nation's largest housing markets logged annual gains in active listings, but a trio of cities stood out for recording the largest spikes.
- [Legal League Webinar: CAFMV in Practice: Insights, Outcomes, and Ongoing Challenges](https://themortgagepoint.com/2026/02/05/legal-league-webinar-cafmv-in-practice-insights-outcomes-and-ongoing-challenges/) - You can join mortgage industry leaders on Tuesday, Feb. 10, for a practical discussion on the real-world implementation and impact of the CAFMV initiative, presented by Five Star’s Legal League.
- [President States Federal Reserve is 'In Theory' Independent as He Pushes for Rate Cuts  ](https://themortgagepoint.com/2026/02/05/president-says-the-federal-reserve-is-in-theory-an-independent-body/) - President Donald Trump told Tom Llamas of NBC News that Kevin Warsh would not have been his pick to be Fed Chair has Warsh expressed a desire to raise interest rates.
- [Trump: DOJ Should Continue Investigation of Fed Chair Powell ‘To The End' ](https://themortgagepoint.com/2026/02/04/trump-says-doj-should-continue-investigation-of-fed-chair-powell-to-the-end/) - U.S. Attorney for Washington Jeanine Pirro should “take it to the end and see,” President Donald Trump said in the Oval Office, but U.S. Sen. Thom Tillis, R-N.C., has said he will oppose any new Fed nominee until the Powell investigation is fully resolved.
- [Homebuilders Propose Up to 1M 'Trump Homes' as Affordable Housing Alternative ](https://themortgagepoint.com/2026/02/04/homebuilder-proposal-for-trump-homes-to-be-implemented-as-affordable-housing-alternative/) - U.S. homebuilders are working on a proposal to build up to a million "Trump Homes" that would help address the ongoing nationwide affordability crisis, giving aspiring homebuyers more opportunities with pathway-to-ownership programs, according to Bloomberg News.
- [Fed’s Miran Resigns as Top White House Economist ](https://themortgagepoint.com/2026/02/04/feds-miran-resigns-as-top-white-house-economist/) - Stephen Miran was appointed to a seat on the Fed's Board of Governors in September after Adriana Kugler, who was appointed by President Joe Biden, resigned. The resignation ends an unusual arrangement where Miran held positions at both institutions.
- [Could 2026 Be the Beginning of the End for Property Taxes? ](https://themortgagepoint.com/2026/02/03/some-state-lawmakers-think-2026-is-the-beginning-of-the-end-for-homeowner-property-taxes/) - State lawmakers have attempted property tax reform, capping increases, compressing rates, and carving out relief for the most burdened of homeowners for decades. This year, however, at least five state legislatures are changing course and moving to eliminate property taxes outright.
- [Lone Star State Housing Affordability Slips as Costs Outpace Income Growth ](https://themortgagepoint.com/2026/02/03/home-affordability-hurdles-remain-but-growing-even-further-in-this-historical-state/) - According to the Texas Tribune, the U.S. Census Bureau has reported that it’s now more expensive to live in the Lone Star State, despite incomes and education increasing among Texans, all the while poverty experienced declines.
- [Federal Housing Chief Signals Administration May Skip Fannie, Freddie IPOs ](https://themortgagepoint.com/2026/02/03/federal-housing-chief-we-dont-have-to-do-fannie-and-freddie-ipos/) - President Donald Trump will make the final decision on whether an IPO will be issued for Fannie Mae and Freddie, but Bill Pulte’s comments denote a recent shift in how Trump administration officials have discussed selling stock in the two GSEs.
- [IBM Exec: Trump's Fed Pick Will 'Overhaul' Central Bank While Bringing Crisis Expertise](https://themortgagepoint.com/2026/02/03/ibm-exec-trumps-fed-pick-will-overhaul-central-bank-while-bringing-crisis-expertise/) - During an interview, IBM Vice Chair Gary Cohn pointed to Fed Chair nominee Kevin Warsh’s hands-on role during the 2008 financial crisis and his plans to return the central bank to traditional monetary and regulatory norms.
- [FHFA Data Reveals Mixed Regional Home Price Trends Across the U.S. ](https://themortgagepoint.com/2026/01/27/fhfa-unveils-u-s-house-price-index-data-trends-more/) - While national home prices continued to edge higher in November, FHFA data shows wide variation across census divisions, highlighting pockets of price softness alongside stronger Midwest and Southern markets.
- [Housing Affordability Crunch Pushes More Mortgage Holders Into Delinquency](https://themortgagepoint.com/2026/02/02/housing-affordability-its-not-just-hurting-buyers-more-mortgage-holders-are-falling-behind/) - New data shows a growing number of homeowners falling at least 90 days behind on their mortgages, signaling that persistent affordability challenges are beginning to affect loan performance despite delinquency levels remaining historically low.
- [Foreclosure Auction Volume Jumps to Nearly Six-Year High](https://themortgagepoint.com/2026/02/02/foreclosure-auction-volume-rises-48-to-nearly-six-year-high-in-q4/) - According to new data from Auction.com, pricing signals were mixed, with buyers paying slightly more relative to estimated value at foreclosure auction. However, seller asking prices rose faster and contributed to a wider foreclosure bid-ask spread.
- [Survey: Incomes, Mortgage Rates Cited as Top Homeownership Barriers ](https://themortgagepoint.com/2026/02/02/bright-mls-survey-shows-incomes-mortgage-rates-are-top-homeownership-barriers/) - More than 90% of Americans say housing affordability is a problem, with most pointing to wages that haven’t kept pace with home prices and persistently high mortgage rates as the biggest obstacles to buying a home, according to a new Bright MLS survey.
- [Single-Family Rentals Lose Ground as Renters Seek Affordability ](https://themortgagepoint.com/2026/02/02/single-family-rental-trends-shift-as-renters-seek-affordability/) - A recent report from Redfin revealed the percentage of U.S. rentals that are located in large multifamily buildings—a growing trend—while the declining share of single-family homes reached a record low.
- [How Trump’s Choice of Kevin Warsh to Lead the Fed Could Impact the Industry  ](https://themortgagepoint.com/2026/02/02/what-trumps-choice-of-kevin-warsh-to-lead-the-fed-means/) - President Trump’s decision to nominate former Fed Governor Kevin Warsh to succeed Jerome Powell signals a potential shift in how aggressively the central bank approaches rate cuts, with major implications for mortgage affordability and household borrowing costs.
- [Responsible Use of AI in Mortgage Servicing, Part 3](https://themortgagepoint.com/2026/01/23/responsible-use-of-ai-in-mortgage-servicing-part-3/) - As artificial intelligence reshapes the servicing lifecycle, executives must balance innovation with governance, compliance, and transparency to deliver efficiency gains without eroding borrower trust or regulatory confidence.
- [Coalition Warns About Mortgage Credit & Score Rule Changes](https://themortgagepoint.com/2026/01/28/coalition-warns-about-mortgage-credit-shifts-credit-score-rule-changes/) - In correspondence with Bill Pulte, who oversees the Federal Housing Finance Agency, some 35 advocacy groups detailed issues to tackle as the Trump administration strives to enhance nationwide home affordability.
- [NAR Survey Signals Stronger Buyer and Seller Traffic Expectations ](https://themortgagepoint.com/2026/01/30/nar-confidence-index-exhibits-yoy-mom-growth-for-buyers-sellers/) - According to the National Association of Realtors (NAR), the latest Realtors Confidence Index report showed an increase in days on market, a shift in the number of offers received by sellers, changes in cash buyer trends, and first-time homebuyer sentiments for 2026.
- [Lower Mortgage Rates Help Unlock Inventory as Buyer Demand Strengthens ](https://themortgagepoint.com/2026/01/30/homebuyers-more-optimistic-as-new-listings-tick-up-in-january/) - Redfin data shows new listings ticking up in late January as easing housing costs and reduced rate lock-in encourage homeowners to sell and buyers to reengage, even as homes take longer to go under contract.
- [Sen. Kelly Calls on Administration to Address Housing Affordability ](https://themortgagepoint.com/2026/01/30/sen-kelly-calls-on-administration-to-address-housing-affordability/) - In his letter to President Trump and HUD Secretary Scott Turner, U.S. Sen. Mark Kelly discussed how rising rents, home prices, insurance costs, and other factors are putting economic pressure on Americans.
- [President Trump Picks Kevin Warsh as New Fed Chair](https://themortgagepoint.com/2026/01/30/trump-picks-kevin-warsh-as-new-fed-chair/) - Kevin Warsh served on The Fed's Board of Governors from 2006 to 2011, and he will face Senate confirmation after Jerome Powell's term as Chair ends in May.
- [AEI: Housing Supply Is Critical to Prevent Another Home Price Surge](https://themortgagepoint.com/2026/01/29/aei-housing-supply-economic-growth-are-keys-to-avoiding-higher-home-prices/) - Returning housing affordability to 2019 levels would require dramatic shifts in rates, incomes, or prices, according to AEI, which warned that strong economic growth without new supply could reignite rapid home price appreciation.
- [Will Home Insurance Markets Stabilize in 2026? ](https://themortgagepoint.com/2026/01/29/report-2026-home-insurance-markets-nationwide-stability/) - A pair of new reports suggest that while premium growth could moderate, higher construction costs, litigation, and climate-related risks continue to keep home insurance expensive for many homeowners.
- [FHFA Report Shows Rise in Forbearance, Refinances as Mortgage Rates Fall ](https://themortgagepoint.com/2026/01/29/fhfa-unveils-foreclosure-trends-refi-activity-mortgage-performance-results/) - The Prevention, Refinance, and Federal Property Manager's Report for October 2025 has been released by the Federal Housing Finance Agency (FHFA), revealing the details of foreclosure prevention actions, foreclosure activity, loan modification results, and more.
- [How Income Growth Is Reshaping U.S. House-Buying Power ](https://themortgagepoint.com/2026/01/29/national-income-growth-driving-house-buying-power-shifts/) - Mark Fleming, Chief Economist at First American, details the state of housing affordability, house-buying power, income growth and more in his latest article—giving aspiring homebuyers an idea of what to expect in 2026.
- [PhoenixTeam Names Laura MacIntyre as Partner ](https://themortgagepoint.com/2026/01/29/phoenixteam-names-laura-macintyre-as-partner-expanding-leadership-for-the-next-chapter-of-growth/) - Bringing three decades of industry experience, Laura MacIntyre has been appointed as Partner and Growth Officer at PhoenixTeam, helping propel further growth throughout the mortgage ecosystem.
- [Case-Shiller Index Shows Tepid Home Price Growth in November ](https://themortgagepoint.com/2026/01/28/sp-cotality-case-shiller-index-reports-annual-gain-in-november/) - Strong price growth in cities such as Chicago and New York contrasted with ongoing declines in several Sun Belt markets, highlighting continued regional divergence in the November Case-Shiller Index.
- [U.S. Renters’ Worst Case Housing Needs Decline for First Time Since 2017 ](https://themortgagepoint.com/2026/01/27/u-s-renters-worst-case-housing-needs-experience-modest-decline/) - According to data from Harvard's Joint Center for Housing Studies and recent HUD reports, the number of renter households with worst-case needs decreased in 2023 due to rising renter incomes and expanded rental assistance, marking a modest but notable reversal after years of steady increases.
- [Fed Votes to Hold Interest Rates Steady](https://themortgagepoint.com/2026/01/28/fed-votes-to-hold-interest-rates-steady/) - The central bank's decision ended a string of three consecutive quarter-percentage-point reductions. The FOMC also upped its assessment of economic growth and eased its concerns about the labor market as compared to inflation.
- [Remodeling Growth, Trends Expected to Slow Moderately in 2026](https://themortgagepoint.com/2026/01/28/remodeling-growth-trends-expected-to-slow-moderately-in-2026/) - The latest Leading Indicator of Remodeling Activity (LIRA) from Harvard University's Joint Center for Housing Studies (JCHS) indicates that annual expenditures on enhancements and upkeep for owner-occupied residences are anticipated to gradually decelerate through 2026.
- [Homebuyers File Class-Action Lawsuit Against Rocket Companies ](https://themortgagepoint.com/2026/01/28/homebuyers-file-class-action-lawsuit-against-rocket-mortgage-affiliated-companies/) - A new consumer class-action lawsuit filed against Rocket Companies accuses the Michigan-based lending conglomerate of forcing agents to steer clients to use Rocket Mortgage. Rocket denies the allegations.
- [Office Space Conversions On the Rise in Effort to Expand Housing](https://themortgagepoint.com/2026/01/23/office-space-conversions-on-the-rise-in-effort-to-expand-housing/) - Cities like Washington, D.C., are accelerating office-to-residential conversion projects to add thousands of new housing units, turning underused office space into apartments as part of broader affordability and downtown revitalization efforts.
- [Homeownership Beats Renting in Most Counties, But Rising Prices Complicate the Math ](https://themortgagepoint.com/2026/01/23/purchasing-homes-in-most-u-s-counties-is-more-ethical-but-property-prices-are-rising-rapidly/) - ATTOM data shows buying is typically the more affordable long-term option across much of the country, even as home prices rise faster than rents in most markets, raising the financial barrier to entry for first-time buyers.
- [Co-Buying Trends Shift as Homebuying Remains Out of Reach for Many](https://themortgagepoint.com/2026/01/26/co-buying-trends-shift-as-homebuying-remains-out-of-reach-for-many/) - A new report shows that homebuying trends are moving away from 'old fashioned' methods, as the median age of first-time buyers reaches a record 40 years—revealing why young women are avoiding marriage in favor of non-romantic homeownership.
- [Which Metros Are Luxury Homebuyers Eyeing the Most? ](https://themortgagepoint.com/2026/01/26/realtor-com-report-reveals-which-metros-luxury-homebuyers-are-eyeing-the-most/) - At the end of 2025, New York City was dethroned as the capital of million-dollar listings by a historically popular and tropical metro emerging as the leading U.S. metro with the highest number of seven-figure properties on the market.
- [California Law Requires Disclosure of AI-Altered Real Estate Photos ](https://themortgagepoint.com/2026/01/27/california-law-focuses-on-ai-real-estate-photos/) - A new California law now requires real estate professionals to clearly disclose when listing photos have been altered using artificial intelligence, aiming to protect homebuyers from misleading images as AI use becomes widespread.
- [HOA Fees on the Rise as Associations Cover a Larger Share of U.S. Homes](https://themortgagepoint.com/2026/01/27/homeowners-associations-continue-to-increase-in-numbers-price-in-2025/) - Condos and townhomes are more likely to have HOAs than single-family homes, and new construction is more likely to have HOAs than existing homes, but the share of listings with HOAs is rising in all these categories in recent years.
- [Home Prices Slip in 106 Major Markets While National Values Inch Higher ](https://themortgagepoint.com/2026/01/26/106-u-s-housing-markets-experiencing-falling-home-prices-none-in-the-midwest/) - Home prices are up year-over-year as of December 2025, marking a deceleration from the growth rate a year earlier. However, that's not the case in 106 of the nation's top 300 markets where prices are falling, according to an analysis.
- [Trump Floats Idea of Extending Business Tax Break to Homeowners ](https://themortgagepoint.com/2026/01/26/trump-floats-idea-of-extending-business-tax-break-to-homeowners/) - During a speech at the World Economic Forum in Davos, Switzerland, the President floated the idea of allowing depreciation for personal residences, among other ideas to boost homeownership.
- [Housing Finance Chief Expands Mortgage Bond Buying ](https://themortgagepoint.com/2026/01/26/housing-finance-chief-oks-more-mortgage-spending-adds-risk-for-fannie-and-freddie/) - Federal Housing Finance Agency Director Bill Pulte has lifted long-standing caps on how much mortgage-backed debt Fannie Mae and Freddie Mac can hold, a move designed to provide relief to the housing market, but which critics warn could expose the GSEs to expanded risk.
- [December Pending Home Sales Slide Despite Earlier Signs of Recovery](https://themortgagepoint.com/2026/01/23/nar-pending-home-sales-report-reveals-9-3-decline-in-december/) - After several months of improving contract activity, pending home sales reversed course in December, signaling continued fragility in the housing market as inventory fell to the lowest level of 2025.
- [Trump Pushes Back on 401(k) Down Payment Plan Floated by Top Adviser ](https://themortgagepoint.com/2026/01/23/trump-not-huge-fan-of-housing-plan-to-allow-401ks-for-down-payments/) - President Trump said late Thursday he does not support his administration’s proposal to allow people to tap into their 401(k)s to secure down payments for homes, stating, “one of the reasons I don’t like it is that their 401(k)s are doing so well.”
- [President Trump Sues Jamie Dimon, JPMorgan Chase Alleging 'Political' Debanking](https://themortgagepoint.com/2026/01/22/president-trump-sues-jamie-dimon-jpmorgan-chase-alleging-political-debanking/) - President Trump has filed a $5 billion lawsuit against JPMorgan Chase and CEO Jamie Dimon, alleging the bank closed his accounts in 2021 for political reasons—claims the bank denies, citing regulatory obligations.
- [America’s Housing Crisis Is Pushing Families Toward Riskier Places to Live ](https://themortgagepoint.com/2026/01/22/americas-housing-crisis-is-pushing-families-toward-riskier-places-to-live/) - As housing costs soar in safer regions, millions of Americans are moving to more affordable but more climate-vulnerable areas, turning affordability into a safety tradeoff.
- [Despite More Legalized Housing, Sticky Tax Policies Still Hurt Builders and Buyers](https://themortgagepoint.com/2026/01/22/despite-more-legalized-housing-sticky-tax-policies-still-hurt-builders-and-buyers/) - Cities and states have passed roughly 225 pro-housing bills since 2023, a simple idea to encourage more housing with the promise that more supply will follow. That promise has hit a wall.
- [Down Payments: Here’s How Much Cash Homebuyers Need in Every State](https://themortgagepoint.com/2026/01/22/down-payments-heres-how-much-cash-buyers-need-in-every-state/) - A new LendingTree study reveals that median down payments are rising faster than incomes, now accounting for larger shares of both loan amounts and borrowers’
- [Trump Signals He May Have a Favorite to Replace Powell as Fed Chair](https://themortgagepoint.com/2026/01/22/trump-signals-he-may-have-a-favorite-to-replace-powell-as-fed-chair/) - President Donald Trump said on during an interview on CNBC Wednesday that he is nearing the end of a search to replace Federal Reserve Chair Jerome Powell and hinted he has his candidate in mind.
- [FHLBank System Promotes Housing and Community Development Lending ](https://themortgagepoint.com/2026/01/22/fhlbank-system-promotes-housing-and-community-development-lending/) - According to a new study from Urban Institute, FHLBank provides liquidity to 6,500 member banks, credit unions, insurance companies, and community development financial institutions.
- [Buyers Get a Boost: Home Sellers Exceed Buyers by a Historic Margin ](https://themortgagepoint.com/2026/01/21/home-sellers-exceed-buyers-by-a-historic-margin-increasing-buyers-negotiating-power/) - There were more home sellers than buyers in the U.S. housing market in December, according to a new report from Redfin—representing the largest gap in records dating back to 2013.
- [Zillow Reveals 2026's Hottest U.S. Markets](https://themortgagepoint.com/2026/01/21/zillow-reveals-2026s-hottest-u-s-markets/) - A new Zillow report predicts the hottest housing markets of 2026, expecting a few price cuts, fast-moving listings, and strong price growth.
- [A Year After L.A. Wildfires, Home Values Are Still Struggling to Recover](https://themortgagepoint.com/2026/01/21/a-year-after-l-a-wildfires-home-values-are-still-struggling-to-recover/) - New housing data shows billions in lost property value across Pacific Palisades and Altadena, as rebuilding moves slowly and many residents remain displaced.
- [Executive Order Focuses on Investors’ Single-Family Homes Purchases ](https://themortgagepoint.com/2026/01/21/trump-signs-executive-order-banning-wall-street-investors-from-buying-single-family-homes/) - President Trump has directed federal agencies to curb large institutional investors’ access to single-family homes financed through government-backed mortgages, positioning the move as part of a broader push to improve housing affordability ahead of the midterm elections.
- [Trump Tells Davos, 'America Will Not Become a Nation of Renters'](https://themortgagepoint.com/2026/01/21/trump-tells-davos-america-will-not-become-a-nation-of-renters/) - Speaking at the World Economic Forum, President Trump argued for a housing strategy focused on boosting homeownership without eroding existing homeowners’ equity, but he didn’t go into detail on many of the ideas recently floated by his administration.
- [Rate Cuts Likely in 2026, But Mortgage Relief May Be Limited](https://themortgagepoint.com/2026/01/20/rate-cuts-likely-in-2026-but-mortgage-relief-may-be-limited/) - While Bankrate expects additional Fed rate cuts this year, analysts caution that mortgage rates may not fall in lockstep if investors grow concerned about inflation risks, economic weakness, or political pressure on the central bank.
- ['Frozen Tsunami:' Why Inherited Homes Won't Solve Housing Supply Challenges](https://themortgagepoint.com/2026/01/20/frozen-tsunami-heres-why-inherited-homes-wont-solve-u-s-housing-crisis/) - A hoped-for "Silver Tsunami" of aging baby boomers unlocking their homes and returning them to the market has, instead, hit like a gentle, rolling wave that is having minimal effects on the real estate economy.
- [Mortgage Swappers Impacting Nationwide Lock-In Effect](https://themortgagepoint.com/2026/01/20/mortgage-swappers-altering-nationwide-lock-in-effect/) - In the latter half of 2025, the U.S. housing market experienced a turning point, as the proportion of homeowners with mortgages over 6% exceeded that of those with rates under 3%, indicating a reduction in the "lock-in effect."
- [Which Southern Metroplex Earns the Title of Fastest Growing? ](https://themortgagepoint.com/2026/01/20/u-haul-releases-fastest-growing-u-s-metros-cities/) - These Texas regions have once again topped the U-Haul Growth Index, mirroring their 2024 achievements with the largest net increases of one-way customers in 2025.
- [Harvard Study: Federal Assistance Is Preventing a Deeper Housing Affordability Crisis   ](https://themortgagepoint.com/2026/01/20/federal-aid-is-softening-the-blow-of-americas-housing-crisis/) - As rent consumes more household income, programs such as SNAP and Medicaid are helping millions of renters survive, but looming cuts could deepen the strain.
- [Fannie Mae Ad Uses Trump’s Voice Generated by AI With His Permission](https://themortgagepoint.com/2026/01/20/fannie-mae-ad-uses-trumps-voice-generated-by-ai-with-his-permission/) - The advertisement comes as the Trump administration pushes to show voters that it is responding to their concerns about affordability, including in the housing market, ahead of the midterm elections.
- [Foreclosures Tick Higher: Signs of Distress or Recalibration? ](https://themortgagepoint.com/2026/01/19/rising-foreclosure-activity-in-2025-affecting-u-s-housing-market/) - More than 367,000 U.S. properties saw foreclosure filings last year, marking a rise from 2024. But how will strong homeowner equity levels and more disciplined post-pandemic lending standards mean for the months ahead?
- [Housing Affordability and Driving Costs Collide as Consumer Habits Shift ](https://themortgagepoint.com/2026/01/19/driving-homebuying-consumers-weigh-in-on-housing-commuting-affordability/) - A new Realtor.com report revealed that younger adults are delaying car ownership, homeownership, and driving less in general due to severe affordability pressure. Do trends suggest a less mobile population in the months ahead?
- [Rep. Khanna Revives Bill Targeting Institutional Homebuyers After Trump Endorsement ](https://themortgagepoint.com/2026/01/19/khanna-refloats-bill-to-block-investors-from-buying-up-homes-after-trump-proposal/) - The Stop Wall Street Landlords Act would strip tax benefits and restrict GSE-backed financing for large institutional buyers, as lawmakers from both parties shine more spotlight investor activity amid housing affordability concerns.
- [Renting Is Cheaper Than Owning in Every Large U.S. Metro ](https://themortgagepoint.com/2026/01/19/lendingtree-renting-is-cheaper-than-owning-in-every-large-u-s-metro/) - A new LendingTree analysis shows that renters now pay significantly less per month than homeowners with a mortgage, underscoring how high home prices and elevated interest rates continue to tilt affordability across large metro areas.
- [Hassett’s Fed Chair Prospects Clouded After Trump Voices Doubts ](https://themortgagepoint.com/2026/01/19/hassetts-fed-chair-bid-thrown-into-doubt-by-trump/) - President Trump has signaled hesitance about tapping his top economic adviser for the top job at the Fed, shaking up the contest over who will lead the central bank.
- [Rent Declines Favor Higher Earners as Low-Income Renters Face Greater Pressure](https://themortgagepoint.com/2026/01/16/rent-reductions-beneficial-to-high-earners-while-low-income-households-see-disproportionate-gains/) - While asking rents have declined nationally since 2023, higher-income renters have benefited most from recent price relief, according to Realtor.com.
- [U.S. Home Insurance Gap Widens as Natural Disasters Expose Undercoverage ](https://themortgagepoint.com/2026/01/16/u-s-home-insurance-gap-widened-by-natural-disasters/) - A growing number of homeowners are discovering that their insurance policies fall far short of rebuilding costs after natural disasters, according to a new Bloomberg report.
- [Fed's Kashkari Upbeat on 2026, Expects Inflation to Moderate](https://themortgagepoint.com/2026/01/16/feds-kashkari-upbeat-on-2026-expects-inflation-to-moderate/) - Federal Reserve Bank of Minneapolis President Neel Kashkari said the "U.S. economy is one of pretty good growth going forward." He signaled particular confidence that housing-related inflation will ease as the economy proves more resilient than expected.
- [Hassett: Trump Plan Would let Homebuyers Tap 401(k)s for Down Payments ](https://themortgagepoint.com/2026/01/16/hassett-trump-plan-would-let-homebuyers-tap-401ks-for-down-payments/) - National Economic Council Director Kevin Hassett said the Trump administration is considering allowing homebuyers to withdraw 401(k) funds for down payments as part of a broader housing affordability package. The proposal aims to ease liquidity constraints for buyers but could raise concerns about long-term retirement savings.
- [FHLB Dallas Announces 2026 Affordable Housing Advisory Council Appointments](https://themortgagepoint.com/2026/01/16/fhlb-dallas-announces-2026-affordable-housing-advisory-council-appointments/) - The member-owned cooperative supports housing and community development by providing competitively priced loans and other credit products to about 800 members and associated institutions in Arkansas, Louisiana, Mississippi, New Mexico, and Texas.
- [Nobel Laureate Economist Offers Insights on U.S. Affordability ](https://themortgagepoint.com/2026/01/15/nobel-laureate-economist-offers-insight-on-u-s-affordability-improvements/) - President Donald Trump has outlined plans to address everything from energy costs to credit card debt to mortgage rates. However, economist Paul Krugman believes those alternatives are insignificant compared to one action Trump could take to make many things more affordable for Americans.
- [Housing Affordability Improves as Income Growth Outpaces Home Price Gains ](https://themortgagepoint.com/2026/01/15/affordability-improves-despite-income-growth-outpacing-property-price-increases/) - Although housing inventory has increased and homebuyers now have more options than they did a year ago, mortgage rate lock-ins and continued uncertainty will likely limit growth in existing-home sales in 2026, according to Odeta Kushi, Deputy Chief Economist at First American.
- [Housing Expert: Pre-pandemic Home Prices May Never Return in America](https://themortgagepoint.com/2026/01/15/housing-expert-pre-pandemic-affordability-may-never-return-in-america/) - We've been told for years that housing affordability eventually would "normalize," but an industry expert says the numbers indicate that might not happen.
- [Experts: How Will Trump's $200B Mortgage Buying Spree Impact Rates?](https://themortgagepoint.com/2026/01/15/experts-trumps-200b-mortgage-buying-spree-unlikely-to-move-rates-much/) - While the move may modestly tighten spreads, experts said broader forces such as inflation, Federal Reserve policy, and global risk will continue to dominate rate movements.
- [FHFA Director Admonishes Homebuilders Against Stock Buybacks](https://themortgagepoint.com/2026/01/15/fhfa-director-slams-homebuilders-for-stock-buybacks/) - Director Bill Pulte suggested homebuilders should prioritize lowering home prices over returning cash to shareholders, warning that companies engaging in stock buybacks could face consequences if they rely on Fannie Mae and Freddie Mac financing.
- [CFPB, DOJ Withdraw Fair Lending Guidance for Noncitizen Borrowers](https://themortgagepoint.com/2026/01/14/cfpb-doj-withdraw-joint-statement-on-fair-lending-and-credit-opportunities-for-noncitizen-borrowers/) - The CFPB and the Department of Justice said they withdrew the joint statement to avoid any conflict with the express language of the Equal Credit Opportunity Act and its implementing regulation, Regulation B.
- [Agency, GSE Portfolios Lead Q3 Growth in Commercial Mortgage Debt ](https://themortgagepoint.com/2026/01/14/q3-commercial-multifamily-mortgage-debt-outstanding-ticks-upward/) - Due to significant rises in multifamily lending, commercial and multifamily mortgage debt continued to grow during Q3 of last year. Reggie Booker, MBA’s AVP of Commercial Research, reported that, "While economic and market uncertainty persists, agency and GSE portfolios once again led the market, with banks and life insurance companies also posting solid gains."
- [Consumer Anxiety Over Spending, Debt, Job Security Clouds Housing Outlook ](https://themortgagepoint.com/2026/01/14/consumers-express-anxiety-economic-concerns-about-household-spending-home-costs/) - According to a recent Bright MLS survey, rising consumer anxiety over spending, job security, and debt persists in 2026, and reveals which U.S. households report the highest levels of stress.
- [Ackman: Prepayment Penalties on Fannie, Freddie Mortgages Could Lower Rates](https://themortgagepoint.com/2026/01/14/ackman-prepayment-penalties-on-fannie-freddie-mortgages-could-lower-rates/) - Pershing Square Chief Investor Bill Ackman called for President Trump and Treasury Secretary Scott Bessent's intervention to aid investors in mortgage-backed securities.
- [California’s AI Windfall Could Spell Trouble for State's Housing Market](https://themortgagepoint.com/2026/01/13/californias-ai-windfall-could-spell-trouble-for-the-housing-market/) - As AI-fueled gains have kept money flowing through the tech sector, they’ve propped up high-end home demand in technology centers such as San Francisco. However, Realtor.com warns that the wealth concentration could leave the state’s housing market exposed.
- [These U.S. Cities Offer First-Time Buyers a Path to Homeownership in 2026 ](https://themortgagepoint.com/2026/01/13/first-time-buyers-may-find-these-u-s-cities-a-start-to-homeownership/) - The top 10 U.S. markets where homebuyers can find stable employment, affordable mortgage payments, and a high quality of life are highlighted in Neighbors Bank's latest list of the Best Cities for First-Time Homebuyers in 2026, spotlighting where housing costs are in line with local incomes and daily expenses are easier to manage than in major coastal cities.
- [Vought Requests $145M in Federal Reserve Funding for CFPB ](https://themortgagepoint.com/2026/01/13/vought-makes-request-for-145m-in-cfpb-funding/) - The request comes after a federal judge's order that CFPB funding cannot lapse and keeps the agency afloat and operating despite efforts by the Trump administration to shrink the CFPB.
- [Redfin CEO Glenn Kelman Steps Down After Two Decades ](https://themortgagepoint.com/2026/01/13/redfin-ceo-kelman-announces-hes-leaving-company/) - Glenn Kelman announced on LinkedIn that he's leaving, Redfin which became part of the Rocket Companies in March 2025 when Rocket acquired the brokerage and portal for $1.75 billion.
- [Global Central Bankers, Ex-Fed Chiefs Show Support for Powell](https://themortgagepoint.com/2026/01/13/global-central-bankers-ex-fed-chiefs-show-support-for-powell/) - The support for the Fed Chair comes after he issued a statement confirming that federal prosecutors had launched a criminal investigation into the $2.5 billion renovation of the central bank’s headquarters in Washington, D.C., and his related testimony to Congress.
- [Budget Office Anticipating Rate Cut by the Fed in 2026](https://themortgagepoint.com/2026/01/09/budget-office-anticipating-rate-cut-by-the-fed-in-2026/) - The nonpartisan Congressional Budget Office released a new statement on Thursday, predicting that the Federal Reserve will lower short-term rates in 2026 and will settle its benchmark interest rate toward the end of President Trump's term in office in 2028.
- [U.S. Housing Demand Softens Amid Rising Inventories](https://themortgagepoint.com/2026/01/08/u-s-housing-demand-softens-amid-rising-inventory/) - The U.S. housing market concluded a slow and difficult year in December, with supply continuously growing and demand remaining modest, and according to Realtor.com, active listings increased year-over-year but declined month-over-month.
- [Americans Continue to Struggle with Housing Affordability](https://themortgagepoint.com/2026/01/08/americans-continue-to-struggle-with-housing-affordability/) - Some 99% of counties have homes that are less expensive than historical norms, while many properties were less expensive in Q4 of 2025 compared to Q3 in the majority of the counties examined in ATTOM's latest U.S. Home Affordability Report.
- [President Trump Orders $200B Bond Purchase in Bid to Lower Mortgage Rates ](https://themortgagepoint.com/2026/01/09/president-trump-orders-200b-bond-purchase-in-bid-to-lower-mortgage-rates/) - The president suggested the Fannie Mae and Freddie Mac purchase would reduce borrowing costs, but analysts warn benefits may be short-lived.
- [Outgoing Fed Governor Weighs in on 2026 Rate Cuts ](https://themortgagepoint.com/2026/01/09/outgoing-fed-governor-looks-for-rate-cut-of-150-basis-points-this-year/) - Stephen Miran, whose term ends this month, told Bloomberg Television's Surveillance program that Fed officials had room to further reduce rates, given his opinion that underlying inflation was likely running at 2.3%.
- [Powell Warns DOJ Subpoenas Threaten Federal Reserve Independence ](https://themortgagepoint.com/2026/01/12/powell-says-doj-has-subpoenaed-the-fed-and-threatens-him-with-criminal-indictment/) - Federal Reserve Chair Jerome Powell calls the move “unprecedented,” warning it threatens central bank independence amid tensions over interest rates between the Fed and the White House.
- [FHFA: Home Prices Continue Slow Upward Trend ](https://themortgagepoint.com/2026/01/12/u-s-home-prices-tick-up-again-in-october/) - New federal data shows modest price growth nationwide, with gains uneven across regions as the housing market remains cautious.
- [Federal Judge Blocks Mamdani's Intervention in Sale of NYC Rent-Stabilized Properties](https://themortgagepoint.com/2026/01/12/federal-judge-blocks-mamdanis-intervention-in-sale-of-rent-stabilized-properties-in-nyc/) - New York Mayor Zohran Mamdani wanted to slow the sale after tenants complained that the seller, Pinnacle Group, had maintained the properties poorly and were worried that the prospective buyer, Summit Properties USA, would have similar issues.
- [Pulte Pulls Back on 50-Year Mortgage Plan](https://themortgagepoint.com/2026/01/12/pulte-pulls-back-on-50-year-mortgage-idea-pushed-by-administration/) - The Federal Housing Director said the Trump administration will offer other measures targeting housing affordability and has already started buying mortgage bonds.
- [Report Identifies Top 10 Riskiest U.S. Housing Markets ](https://themortgagepoint.com/2026/01/07/report-identifies-top-10-highest-risk-u-s-housing-markets-in-q3-2025/) - ATTOM’s recently released Q3 2025 U.S. Housing Risk Report highlights county-level housing markets that were vulnerable to declines in Q3 2025, based on home affordability, equity levels, and other key indicators.
- [Trump Floats Ban on Institutional Investors Buying Single-Family Homes](https://themortgagepoint.com/2026/01/08/trump-threatens-ban-on-institutional-investors-buying-single-family-homes/) - The president suggested large investors are crowding out homebuyers. However, the proposal sent housing stocks lower and drew mixed reactions from lawmakers and economists.
- [Treasury Secretary: More Fed Rate Cuts are ‘Only Ingredient Missing’ for Stronger Economy](https://themortgagepoint.com/2026/01/08/treasury-secretary-more-fed-rate-cuts-are-only-ingredient-missing-for-stronger-economy/) - In a speech delivered Thursday, Scott Bessent urged the Fed to cut rates further, even as markets expect a slower pace of easing in 2026 and the central bank prepares for a new Chair.
- [CFPB Issues Final HPML Asset Exemption Threshold Adjustment](https://themortgagepoint.com/2026/01/07/cfpb-issues-final-hpml-asset-exemption-threshold-adjustment/) - The CFPB said that Regulation Z generally requires creditors to maintain an escrow account for the payment of taxes and insurance on a first-lien higher-priced mortgage loan (HPML), but there are exemptions.
- [First-Time Homebuyers Can Find the Best Bargains Here ](https://themortgagepoint.com/2026/01/07/first-time-homebuyers-can-find-the-best-bargains-here/) - To help young Americans looking for a place to settle down and find the best value in terms of cost, availability, amenities, and more, Realtor.com identified the top 10 markets for first-time homebuyers.
- [FHLBanks Grant Millions to Affordable Housing Programs](https://themortgagepoint.com/2026/01/07/fhlbanks-grant-millions-to-affordable-housing-programs/) - "Our members are at the heart of their communities and work closely with nonprofits and developers who are expanding safe, stable and affordable housing opportunities," said Jeff Kuzbel, FHLBank Topeka President and CEO.
- [First Federal Bank Acquires NOLA Lending Group,  Fidelity Bank's Mortgage Division ](https://themortgagepoint.com/2026/01/07/first-federal-bank-acquires-nola-lending-group-fidelity-banks-mortgage-division/) - The acquisition expands First Federal Bank’s retail mortgage services while retaining NOLA Lending’s locations, staff, and branding.
- [FEMA Staff Bracing for Dismissal of 1,000 Disaster Workers](https://themortgagepoint.com/2026/01/07/fema-staff-bracing-for-dismissal-of-1000-disaster-workers/) - The New York Times reported documents indicate that the FEMA cuts would involve on-call employees who facilitate disaster recovery and emergency preparedness.
- [New York City’s New Mayor Launches Housing Affordability Push](https://themortgagepoint.com/2026/01/06/new-york-citys-new-mayor-announces-action-to-make-housing-more-affordable/) - Zohran Mamdani hit the ground running, signing three executive orders he said are designed to swiftly tackle the city's housing crisis.
- [Mortgage Rate Pressures Change the Math for Home Flippers ](https://themortgagepoint.com/2026/01/06/rising-mortgage-rates-affecting-home-flipping-nationwide/) - A new Realtor.com analysis shows flipped homes still attract buyers, but higher mortgage rates are forcing sellers to cut prices and accept slimmer margins.
- [Agents Chime in on Effects of Online Research](https://themortgagepoint.com/2026/01/06/agents-chime-in-on-effects-of-online-research/) - "Repeat buyers now make up the majority of today's market, and they're coming back with a very different mindset than they had even a few years ago," said Amanda Pendleton, Zillow's home trends expert. "These 'comeback buyers' have lived through multiple market cycles.”
- [Minneapolis Fed President Suggests Interest Rate Cuts May Be Pausing](https://themortgagepoint.com/2026/01/06/minneapolis-fed-president-says-interest-rates-dont-need-to-be-cut-more/) - Neel Kashkari said in a CNBC interview he thinks the central bank is near the point at which it should stop lowering interest rates. Here’s how factors such as a slowing labor market and inflation may factor in.
- [Vacant Lots Surge After L.A. Wildfires as Investors Scoop Up Land ](https://themortgagepoint.com/2026/01/06/vacant-lots-for-sale-pile-up-after-the-l-a-fires-and-investors-are-snatching-them-up/) - According to a Redfin study, real estate investors are buying roughly a significant portion of the land selling in areas impacted by the LA wildfires, with rebuilding delays, insurance gaps, and rising listings pushing more homeowners to sell.
- [A Small Thaw in the Housing Market as Mortgage Lock-In Factor Eases ](https://themortgagepoint.com/2026/01/05/a-small-thaw-in-the-housing-market-as-mortgage-lock-in-slowly-eases/) - Home sales remain slow, but a gradual loosening of mortgage rate lock-in is helping more homeowners move, especially where life changes outweigh rate concerns, according to First American. The housing market may finally have gotten a modest holiday boost. After years of frozen activity, signs are emerging that mortgage rate lock-in (the force keeping many homeowners stuck in place) is beginning to loosen its
- [NAR Unveils Top 10 2026 Homebuying Hot Spots ](https://themortgagepoint.com/2026/01/05/nar-unveils-top-10-homebuying-hot-spots-for-2026/) - The top 10 housing hot spots are markets that outperform the average market in the U.S. on at least five of 10 economic, demographic, and housing indicators; have populations over 250,000; and demonstrate meaningful 2026 opportunities for homebuyers and agents who are Realtors.
- [Eight Rural Cities Luring New Residents With Mover Incentives ](https://themortgagepoint.com/2026/01/05/eight-cities-luring-new-residents-with-mover-incentives-big-enough-to-get-into-a-home/) - Across rural America, some cities are offering generous cash incentives to attract new residents. Here's which city is offering a big enough incentive to cover almost a 20% down payment on a home.
- [Warren Probes ‘Zombie Mortgages’ Linked to National Mortgage Settlement ](https://themortgagepoint.com/2026/01/05/zombie-mortgages-are-under-close-examination-after-debt-collectors-profit/) - Sen. Elizabeth Warren is now pressing for documentation on second mortgages homeowners believed were forgiven after the Great Financial Crisis, as revived debts raise foreclosure and consumer protection concerns.
- [Treasury Yield Curve Steepens as Long-Term Yields Rise After Fed Cuts ](https://themortgagepoint.com/2026/01/05/treasury-yield-curve-steepens-yields-from-2-years-to-30-years-rise-after-the-fed-cut-three-times/) - According to a new report, despite 2025’s interest-rate cuts, rising long-term Treasury yields and inflation concerns have sharply steepened the yield curve, complicating the outlook for borrowing costs.
- [Home Prices up in November; More Increases Expected in 2026 ](https://themortgagepoint.com/2025/12/31/home-prices-up-in-november-more-increases-expected-in-2026/) - Sales prices are increasing even with falling demand because total inventory is dwindling.
- [How Long Does It Take to Save for a Down Payment on a Home?](https://themortgagepoint.com/2026/01/02/how-long-does-it-take-to-save-for-a-down-payment-on-a-home/) - The typical U.S. homebuyer now requires about seven years to save for a down payment, but the timeline varies dramatically by region, according to Realtor.com
- [Powell's Future at The Fed After May: Mum's The Word](https://themortgagepoint.com/2026/01/02/powells-future-at-the-fed-after-may-mums-the-word/) - Chairman Jerome Powell leaves that post in May, and central bank observers are not sure if he will stay at the Fed after that. And, he’s not saying.
- [The A-Eye Test: AI-Generated Home Listing Photos Present Dilemma for Potential Buyers](https://themortgagepoint.com/2026/01/02/the-eye-test-ai-generated-home-listing-photos-present-dilemma-for-potential-buyers/) - AI-generated photos online of listed homes for sale can mislead potential homebuyers by showing them what is real and what is not, according to Yahoo! Finance.
- [Delistings Surge as Frustrated Sellers Retreat, Hurting Pandemic Boomtowns Most ](https://themortgagepoint.com/2025/12/31/delistings-surge-as-frustrated-sellers-retreat-and-pandemic-boomtowns-feel-it-most/) - Realtor.com’s latest data shows sellers pulling homes off the market at the fastest pace since tracking began in 2022, with Miami, Denver, and Houston emerging as the biggest pressure points.
- [Officials Divided Over December Rate Cut](https://themortgagepoint.com/2025/12/31/officials-divided-over-december-rate-cut/) - “Most participants judged that further downward adjustments to the target range for the federal funds rate would likely be appropriate if inflation declined over time as expected,” the document stated. With that, misgivings came over how aggressive the FOMC is projected to be in the future.
- [Buyer’s Agent Commissions Inch Up as Slower Market Shifts Leverage to Buyers ](https://themortgagepoint.com/2025/12/31/buyers-agent-commissions-inch-up-as-slower-market-shifts-leverage-to-buyers/) - Redfin reports the average U.S. buyer’s agent fee rose slightly year-over-year in Q3, holding steady even as new commission rules mark their first full anniversary.
- [FHA's Annual Report on MMI Fund Notes Capital Strength is Stable](https://themortgagepoint.com/2025/12/31/fhas-annual-report-on-mutual-mortgage-insurance-fund-capital-strength-is-stable/) - The report to Congress reflects FHA’s stewardship of the MMI Fund’s $1.6 trillion single-family mortgage portfolio.
- [FHFA Q3 Analysis Discloses Foreclosure Prevention, Refinance Trends & More](https://themortgagepoint.com/2025/12/31/fhfa-q3-analysis-discloses-foreclosure-prevention-refinance-trends-more/) - The Enterprises completed thousands of foreclosure prevention actions in the first nine months of 2025, heightening the total since the start of conservatorships in September 2008.
- [Mortgage Concentration Risk Rises, Report Says](https://themortgagepoint.com/2025/12/31/mortgage-concentration-risk-rises-report/) - Mortgage credit risk concentration is getting worse, according to an NYU Furman Center blog. While the government took several steps to avoid such concentration following the 2008 Great Financial Crisis, the two GSEs, Fannie Mae and Freddie Mac, were largely exempted.
- [Federal Judge Orders Trump Administration to Continue to Seek Funding for CFPB](https://themortgagepoint.com/2025/12/31/federal-judge-orders-trump-administration-to-continue-to-seek-funding-for-cfpb/) - Judge Amy Berman Jackson said the administration's efforts to scuttle the agency "would be tantamount to closing what is left of the bureau," and upholds her previous injunction to ensure the CFPB would continue to exist.
- [For Homebuilders, It’s Time to Embrace the Future of AI ](https://themortgagepoint.com/2025/12/31/for-homebuilders-its-time-to-embrace-the-future-of-ai/) - Most builders are still on the sidelines when it comes to AI — but the National Association of Homebuilders said that early signs suggest change might be on the horizon.
- [South Carolina Markets Buck National Housing Slowdown](https://themortgagepoint.com/2025/12/30/u-s-home-prices-rise-as-nationwide-inventory-falls/) - While the U.S. housing market remains uncertain for many for Americans, many neighborhoods in South Carolina are turning into housing magnets.
- [What do Forecasts Suggest About Mortgage Rates in 2026?](https://themortgagepoint.com/2025/12/30/what-do-forecasts-say-about-falling-mortgage-rates-in-2026/) - Even if the Fed cuts rates in 2026, mortgage rates may not fall in tandem, analysts warn. Here’s what further analysis from Investopedia has to say about the months ahead
- [St. Louis Suburb Leads Nation in Lowest Housing Cost Burden ](https://themortgagepoint.com/2025/12/30/st-louis-suburbs-are-the-most-affordable-place-to-buy-a-home/) - The Midwest and South dominate Redfin’s list as pressures sideline buyers in higher-cost markets. Here’s what else Redfin’s data reveals.
- [Affordability Improves for Homebuyers, But Savings Gap Remains ](https://themortgagepoint.com/2025/12/30/home-prices-are-slightly-more-affordable-but-down-payments-hold-buyers-back/) - According to CNBC, the typical homebuyer still needs about seven years to save for a down payment, despite improving market conditions.
- [Auction Dispositions Outperform Traditional REO by Record Margin, Report Finds ](https://themortgagepoint.com/2025/12/29/dispositions-outperform-traditional-reo-by-record-percentage-points-in-net-proceeds/) - According to Auction.com's 2025 Disposition Strategy Report, earlier dispositions delivered a new record in net-proceeds advantage over traditional REO through Q3 2025, while average REO inventory increased for traditional sales.
- [Home Price Growth Slowed Further in November ](https://themortgagepoint.com/2025/12/29/housing-market-trends-home-prices-experience-shift-in-november/) - "Housing affordability improved year-over-year for the eighth consecutive month in October 2025, reaching its best level since the summer of 2022," said Mark Fleming, Chief Economist at First American. "While that’s a welcome milestone, affordability remains more than 64% below the pre-pandemic five-year average—but the trend is durably heading in the right direction."
- [The Future of Non-QM Lending](https://themortgagepoint.com/2025/12/23/the-future-of-non-qm-lending/) - Non-QM Loans have evolved from a niche product to an important pathway for homeownership in an evolving market.
- [Trump Promises ‘Aggressive’ Housing Reform in 2026](https://themortgagepoint.com/2025/12/26/after-trump-promises-aggressive-housing-reform-in-2026-heres-what-to-expect-for-home-prices/) - Next year could mark a turning point for the U.S. housing market, CNN says, with many economists showing optimism.
- [New Rankings Reveal Most Livable U.S. Metros for 2026](https://themortgagepoint.com/2025/12/24/new-rankings-reveal-most-livable-u-s-metros-for-2026/) - A new RentCafe.com report highlights metro areas where affordability, quality of life, and community come together, showing that living well doesn’t always mean spending more.
- [How Are Immigration Declines Impacting Household, Homeowner Projections?](https://themortgagepoint.com/2025/12/28/how-are-immigration-declines-impacting-household-homeowner-projections/) - A new study from the Harvard Joint Center for Housing Studies suggests reduced immigration could potentially dampen future housing demand. Here’s what the research found.
- [Housing Market Stalls as Inventory Rises but Buyers Pull Back](https://themortgagepoint.com/2025/12/28/housing-market-stalls-as-inventory-rises-but-buyers-pull-back/) - Realtor.com’s latest data shows the post-pandemic inventory recovery continuing for a 25th month, but soft demand, rising delistings, and a shift toward lower-priced “refuge markets” are reshaping where, and how, Americans buy homes.
- [Home Builders' Market Confidence Still in Negative Territory Despite December Rise ](https://themortgagepoint.com/2025/12/26/home-builders-market-confidence-rises-slightly-in-december-but-still-in-negative-territory/) - According to the NAHB, builders are still contending with rising construction costs as well as economic and tariff-related uncertainty, with many potential buyers remaining on the sidelines due to affordability concerns.
- [U.S. Department of Justice, LivCor Announce Lawsuit Settlement](https://themortgagepoint.com/2025/12/26/u-s-department-of-justice-livcor-announce-lawsuit-settlement/) - The DOJ had sued six large landlords, including LivCor, alleging the companies used software created by RealPage to unlawfully share non-public information about rental pricing.
- [How Property Preservation Firms Are Realigning](https://themortgagepoint.com/2025/12/22/how-property-preservation-firms-are-realigning-for-2026/) - With rising costs, labor shortages, and tighter regulatory scrutiny reshaping property preservation, AREMCO SVP Clellan Kane explains how operational resilience, vendor accountability, and real-time technology are helping servicers and investors stay compliant and prepared heading into 2026.
- [It's a Buyer's Market: U.S. Housing Market Has More Sellers Than Buyers](https://themortgagepoint.com/2025/12/24/its-a-buyers-market-u-s-housing-market-has-37-more-sellers-than-buyers/) - A new report from Redfin says that there are more than half a million more home sellers than homebuyers, creating a buyers' market nationwide. It's the largest gap in records dating back to 2013
- [Fed Chair Candidate: U.S. is 'Way Behind' the Curve on Lowering Interest Rates ](https://themortgagepoint.com/2025/12/24/fed-chair-candidate-u-s-is-way-behind-the-curve-on-lowering-interest-rates/) - National Economic Council Director Kevin Hassett, a leading contender to be nominated as Fed Chair, said the Federal Reserve is not cutting interest rates quickly enough, even though the nation's economy grew at a much faster-than-expected pace in the third quarter. Hassett is considered a contender to succeed Federal Reserve Chair Jerome Powell when his
- [Fair Market Rents Show Significant Rise in Largest Metros](https://themortgagepoint.com/2025/12/24/fair-market-rents-show-significant-rise-in-largest-metros/) - While fair market rent increases can cause a strain on consumers, rising incomes can help mitigate the impact, analysts say.
- [NAR Report: High Mortgage Rates Steer Homebuyers Toward All-Cash Purchases](https://themortgagepoint.com/2025/12/24/nar-report-high-mortgage-rates-steer-homebuyers-toward-all-cash-purchases/) - For the last three years, more than a quarter of all home sales nationwide involved all-cash buyers who did not require a mortgage
- [Experts Offer Strategies to Boost Home Equity](https://themortgagepoint.com/2025/12/23/want-to-boost-your-home-equity-in-2026-heres-how/) - With home price growth expected to cool in 2026, experts outline strategies homeowners can use to strengthen their equity position.
- [Optimism Meets Reality in Affordable Housing](https://themortgagepoint.com/2025/12/23/optimism-meets-reality-in-affordable-housing/) - As optimism grows for expanded access and development, rising costs, regulatory uncertainty, and widening shortages challenge affordable housing leaders heading into the new year.
- [The Cost of Readiness: Scaling AI Without Losing the Human Touch](https://themortgagepoint.com/2025/12/23/the-cost-of-readiness-scaling-ai-without-losing-the-human-touch/) - As labor shortages, pricing pressure, and climate risk reshape property preservation, Safeguard COO Mike Greenbaum details how AI-powered inspections, vendor analytics, and mobile-first tools are enabling scale while preserving quality and judgment in the field.
- [Pricing Perils, AI, and the Growing Risks to Property Preservation](https://themortgagepoint.com/2025/12/23/pricing-perils-ai-and-the-growing-risks-to-property-preservation/) - As reimbursement rates strain contractors and push qualified vendors out of the market, Genstone SVP Denia Ray explains how AI-driven quality control, shared services, and weather-based risk monitoring are helping preservation firms stay compliant amid mounting industry pressure.
- [Pricing Pressures and Technology’s Role in Field Services](https://themortgagepoint.com/2025/12/23/pricing-pressures-and-technologys-role-in-field-services/) - As outdated pricing structures strain contractors and thin the field services workforce, ServiceLink VP Raquel Pasala explains how automation, AI-driven quality control, and end-to-end platforms are helping preserve industry service quality and compliance.
- [Using AI to Strengthen Compliance and Efficiency in Property Preservation](https://themortgagepoint.com/2025/12/22/using-ai-to-strengthen-compliance-and-efficiency-in-property-preservation/) - As rising costs, labor shortages, and outdated pricing structures strain field services, Cyprexx EVP Tony Maher explains how AI-powered inspections, risk scoring, and predictive QA are helping preservation firms.
- [How AI Can Help Mortgage Default Law Firms Work Smarter and Stay Compliant](https://themortgagepoint.com/2025/12/23/how-ai-can-help-mortgage-default-law-firms-work-smarter-and-stay-compliant/) - Mortgage default firms are cautious but increasingly curious about AI. Here's how technology can streamline workflows while maintaining strict compliance.
- [Fed Quietly Restarts Treasury Purchases Alongside Rate Cut](https://themortgagepoint.com/2025/12/23/the-fed-made-an-overlooked-decision-thats-more-important-than-its-rate-cut/) - The Federal Open Market Committee said it believed the Fed's reserve balances had declined to "ample levels," and that it would start buying short-term U.S. Treasuries "on an ongoing basis."
- [Luxury Home Market Shows Varied Selling Speeds, Mixed Pricing](https://themortgagepoint.com/2025/12/23/luxury-home-market-shows-varied-selling-speeds-mixed-pricing/) - According to Realtor.com, national luxury home prices softened in November, while selling speeds varied widely by metro, reflecting a market increasingly shaped by local conditions.
- [Freddie Mac CRT Issuance Was Nearly $5.1B in 2025](https://themortgagepoint.com/2025/12/23/freddie-mac-crt-issuance-was-nearly-5-1b-in-2025/) - The Single-Family credit risk transfer (CRT) issuance is a program by Fannie Mae and Freddie Mac to shift a portion of the financial risk associated with single-family mortgages from U.S. taxpayers to private investors and insurance companies.
- [Litigation Trends, FAPA Risks, and the Future of Default Law](https://themortgagepoint.com/2025/12/22/litigation-trends-fapa-risks-and-the-future-of-default-law/) - In this month’s Counsel’s Corner, Friedman Vartolo Managing Partner Adam J. Friedman discusses the firm’s litigation-driven model, emerging legal risks from New York to Maryland, and how AI will reshape the role of law firms in servicing.
- [Rate Shopping Can Save Homebuyers Hundreds a Month ](https://themortgagepoint.com/2025/12/22/zillow-rate-shopping-can-save-homebuyers-hundreds-a-month/) - A Zillow report noted that small rate differences can expand the number of homes within reach for buyers facing strained affordability, making it important for potential homebuyers to invest in a little rate-shopping.
- [Home Prices Surge in Rural Counties, Outpace Top Urban Areas](https://themortgagepoint.com/2025/12/22/home-prices-surge-in-rural-counties-outpace-top-urban-areas/) - According to a Realtor.com analysis, home prices in rural counties have surged far faster than in major metro areas over the past six years, driven by migration and affordability dynamics.
- [Fed Chair Contender: Trump's Views Don't Outweigh Committee](https://themortgagepoint.com/2025/12/22/fed-chair-contender-trumps-views-dont-outweigh-committee/) - Chair contender Kevin Hassett said in an interview that the members of the The Federal Open Market Committee could say no to President Donald Trump's views if they chose.
- [United Wholesale Mortgage Acquires Mortgage Servicer Two Harbors in $1.3B Deal](https://themortgagepoint.com/2025/12/22/united-wholesale-mortgage-acquires-mortgage-servicer-two-harbors-in-1-3b-all-stock-deal/) - The deal significantly expands Michigan-based United Wholesale Mortgage Holdings' footprint in the mortgage servicing landscape, the company said.
- [Will Refinancing Help U.S. Homeowner Affordability?](https://themortgagepoint.com/2025/12/19/will-refinancing-help-u-s-homeowner-affordability/) - In a new report. Jake Krimmel, Senior Economist at Realtor.com, revealed that knowing whether a move passes a rule known as the "breakeven point," which examines whether upfront expenditures are outweighed by the savings from a lower rate, is crucial to refinancing strategy.
- [More Homebuyers Turn to ARMs as High Mortgage Rates Persist](https://themortgagepoint.com/2025/12/19/more-homebuyers-turn-to-arms-the-mortgages-that-fueled-2008-housing-crisis/) - According to Investopedia, roughly 10% of borrowers in September took out an adjustable-rate mortgage to buy a home. ARMs contributed significantly to the 2008 housing crisis, as many borrowers with poor credit struggled to make payments when their rates increased.
- [Is the 30% Rule for Rent Still Relevant? ](https://themortgagepoint.com/2025/12/19/experts-weigh-in-on-whether-the-30-rule-for-rent-is-still-relevant/) - With rent costs outpacing income growth in many cities, experts say the 30% guideline offers context, but not a one-size-fits-all solution.
- [Senate Confirms New HUD Leadership Across FHA, Ginnie Mae, and Key Housing Offices](https://themortgagepoint.com/2025/12/19/senior-hud-leaders-confirmed-by-u-s-senate/) - The U.S. Senate has confirmed a slate of senior leaders at HUD, formalizing appointments across FHA, Ginnie Mae, PIH, CPD, and other key offices shaping federal housing policy.
- [Existing-Home Sales Jump as Buyers Remain Hesitant](https://themortgagepoint.com/2025/12/19/existing-home-sales-jump-as-buyers-remain-hesitant/) - "Existing-home sales increased for the third straight month due to lower mortgage rates this autumn," said NAR Chief Economist Lawrence Yun. "However, ... with distressed property sales at historic lows and housing wealth at an all-time high, homeowners are in no rush to list their properties during the winter months."
- [Federal Reserve Officials Signal Split Views on Future Rate Path ](https://themortgagepoint.com/2025/12/16/fed-policy-makers-remain-divided-on-where-rates-should-head/) - Three members of the Federal Reserve's policy committee talked about interest rates last week, and they offered three different viewpoints about interest rate strategy.
- [Experts Share 2026 Housing Market, Affordability Forecast](https://themortgagepoint.com/2025/12/17/experts-share-2026-housing-market-affordability-forecast/) - Matt Schulz, Chief Consumer Finance Analyst at LendingTree, shared his U.S. housing market predictions for the upcoming year, detailing the trajectory of home affordability, mortgage debt, delinquencies, potential rate drops, and more.
- [U.S. Asking Rents Fall as Affordability Improves for Minimum-Wage Earners](https://themortgagepoint.com/2025/12/18/u-s-asking-rents-fall-as-affordability-improves-for-minimum-wage-earners/) - As rents continue to fall nationwide, new Realtor.com data revealed metros where two minimum-wage workers working 40 hours per week could afford the median rental unit.
- [Freddie Mac Names Kenny M. Smith as its New CEO](https://themortgagepoint.com/2025/12/16/freddie-mac-names-kenny-m-smith-as-its-new-ceo/) - Smith brings nearly four decades of financial services experience, including 27 years at Deloitte Consulting. Michael Hutchins, who has served as interim CEO, will continue as the company's President.
- [VRM Mortgage Services Promotes Industry Vet to Interim COO](https://themortgagepoint.com/2025/12/16/vrm-mortgage-services-promotes-industry-vet-to-interim-coo/) - Following the passing of former EVP and COO Dr. Cheryl Travis-Johnson, VRM Mortgage Services has appointed Tiffany Fletcher, longtime SVP of Compliance, to the role of Interim COO.
- [Why Paying Off a Mortgage Early Isn’t Always the Best Move ](https://themortgagepoint.com/2025/12/17/paying-off-your-mortgage-early-might-be-a-mistake-heres-why/) - Experts point to opportunity costs, emergency liquidity, and tax implications homeowners should weigh before accelerating payments.
- [Farmer Mac Securitizes $313.5 Million in Ag Mortgage Loans ](https://themortgagepoint.com/2025/12/17/farmer-mac-securitizes-313-5-million-in-ag-mortgage-loans/) - The latest FARM Series transaction reflects continued institutional demand for ag assets despite ongoing macroeconomic volatility.
- [Insurance, Tax Hikes Push Homeownership Further Out of Reach in High-Risk Areas](https://themortgagepoint.com/2025/12/17/insurance-tax-hikes-push-homeownership-further-out-of-reach-in-high-risk-areas/) - Rising insurance premiums and higher property taxes tied to climate and hazard risks are squeezing affordability, with sharper increases projected for 2026 and beyond.
- [a360inc Enhances Notarization Services With New Acquisition ](https://themortgagepoint.com/2025/12/17/a360inc-enhances-notarization-services-with-new-acquisition/) - a360inc has expanded its digital signing and remote online notarization capabilities by acquiring Notary Hub, strengthening a360inc’s increasing credit risk management solutions across both the financial services and legal markets.
- [Mortgage Applications Dip After Fed Rate Cut, MBA Data Shows ](https://themortgagepoint.com/2025/12/17/mortgage-applications-lower-in-latest-mba-weekly-survey/) - MBA data showed both purchase and refinance applications declined as mortgage rates edged higher following the Fed’s December rate cut.
- [Fannie Mae, Freddie Mac Reportedly Bulking Up Their Balance Sheets](https://themortgagepoint.com/2025/12/16/fannie-mae-freddie-mac-reportedly-bulking-up-their-balance-sheets/) - Analysts say the GSEs’ growing balance sheets could help support mortgage pricing while positioning them for a return to public markets.
- [CFPB Finalizes Five Rule Adjustments to Allowable Dollar Thresholds](https://themortgagepoint.com/2025/12/17/cfpb-announces-increase-in-allowable-disclosure-charge/) - The Consumer Financial Protection Bureau said the new thresholds, which impact Regulations Z, M, and V, including HOEPA, qualified mortgages, appraisal exemptions, and credit report disclosure fees, will take effect on Jan. 1.
- [Housing Inventory Growth Slows as New Listings Post Biggest Decline of 2025 ](https://themortgagepoint.com/2025/12/16/housing-supply-stiffens-as-new-listings-experience-sharpest-decline-in-two-years/) - With the Christmas season underway, prospective homebuyers and sellers are pulling back from the housing market, reflecting a decline in both new listings and pending sales nationwide.
- [Home Prices Surge in Rural Vacation Markets Amid Remote-Work Migration ](https://themortgagepoint.com/2025/12/16/rural-vacation-regions-experience-swift-rise-in-home-prices/) - According to a recent study from Harvard's Joint Center for Housing Studies, home prices for second homes in the U.S. increased at a never-before-seen rate after the pandemic began, with previous research revealing that price growth during this time was particularly rapid in remote areas such as rural counties.
- [Gen Z Veterans Drive Sharp Rebound in VA Loan Activity ](https://themortgagepoint.com/2025/12/16/gen-z-buyers-fuel-27-surge-in-va-loan-program/) - A new analysis from Veterans United Home Loans shows that the VA loan program rebounded nicely in Fiscal Year 2025, reversing last year's slowdown.
- [Op-Ed: Research Quantifies Billions in Economic Value Delivered by Federal Home Loan Banks ](https://themortgagepoint.com/2025/12/11/op-ed-new-research-quantifies-billions-in-economic-value-delivered-by-federal-home-loan-banks/) - Ryan Donovan, President and CEO for the Council of Federal Home Loan Banks, discusses how the FHLBanks’ liquidity backstop reduces systemic stress, strengthens local lenders, and fuels community-level economic growth.
- [Adaptive Reuse for Apartments, Hotels Surges to New Record](https://themortgagepoint.com/2025/12/15/adaptive-reuse-for-apartments-hotels-surge-to-new-record/) - According to recent RentCafe research, adaptive reuse projects are expanding at an unprecedented rate as the number of apartments from converted buildings increased after experiencing modest rises and even some declines in the years following the pandemic.
- [Mortgage Lock-In Effect Leaves Homeowners Trapped as Payments Jump ](https://themortgagepoint.com/2025/12/15/homeowners-feel-trapped-as-monthly-mortgage-payments-jump/) - New Realtor.com data has shown that ultra-low mortgage rates from 2020–2021 continue to discourage home sales as the cost of moving climbs sharply.
- [Housing Market Forecast Hints at More Balance, Inventory Recovery in 2026 ](https://themortgagepoint.com/2025/12/12/housing-market-forecast-hints-toward-more-balance-inventory-recovery-in-2026/) - Realtor.com data anticipates a more stable housing market next year, with slowing price growth, rate relief providing more breathing room, and a bump in negotiating power for buyers.
- [Fannie Mae Moving San Francisco Office to Alabama](https://themortgagepoint.com/2025/12/15/fannie-mae-moving-san-francisco-office-to-alabama/) - Officials at Fannie Mae said that it would be relocating its San Francisco office to Birmingham next year. Here’s what factors they say are behind the change.
- [Fed Reappoints All Regional Bank Presidents After Bessent Signals Changes ](https://themortgagepoint.com/2025/12/15/fed-reappoints-all-regional-bank-presidents-after-besssent-floats-changes-to-the-process/) - The presidents of the 12 regional Federal Reserve banks across the country wield nearly as much influence over interest rates as permanent Fed governors. Treasury Secretary Scott Bessent earlier suggested changes might be in the offing.
- [Redfin Finds Climate-Risk Views Spike After Wildfires, Hurricanes ](https://themortgagepoint.com/2025/12/15/redfin-homebuyers-more-likely-to-view-climate-risk-data-after-major-disasters/) - The urgency for disaster information is fleeting, Redfin said, likely because humans have a short memory span when it comes to natural disasters.
- [Could Assumable Mortgages Help Stimulate the Housing Market?](https://themortgagepoint.com/2025/12/12/urban-institute-assumable-mortgages-unlikely-to-stimulate-the-housing-market/) - The Urban Institute listed four reasons why assumable mortgages, which allow a homebuyer to assume a seller's low-interest balance, might not help alleviate housing supply concerns.
- [Cotality Examines National Mortgage Delinquency Rate ](https://themortgagepoint.com/2025/12/12/national-mortgage-delinquency-rate-stays-steady-at-3-in-september/) - While overall delinquencies remain low by historical standards, foreclosure increases in nearly 40% of metros signal growing strain, according to the latest report.
- [Q3 Home-Flipping Trends, Rates & ROI Profits ](https://themortgagepoint.com/2025/12/12/q3-home-flipping-trends-rates-roi-profits/) - According to ATTOM's Q3 2025 U.S. Home Flipping Report, with profits down and timelines up, investors face a dramatically altered flipping landscape compared with the boom years.
- [Powell: Rate Cuts Won't Make Big Difference as Housing Sector Struggles](https://themortgagepoint.com/2025/12/12/powell-rate-ruts-wont-make-big-difference-as-housing-sector-struggles/) - Federal Reserve Chair Jerome Powell has tempered expectations for the recent rate cut's impact, warning that the housing sector's struggles likely will continue.
- [Hopeful Homebuyers Facing Homeownership Hurdles ](https://themortgagepoint.com/2025/12/10/hopeful-homebuyers-facing-homeownership-hurdles/) - Millions of Americans are experiencing homebuying woes, as there a limited number of homes they can afford and too much competition for the ones that are in their price range, according to a new Bankrate study.
- [U.S. Housing Markets Projected to Steady in 2026](https://themortgagepoint.com/2025/12/11/u-s-housing-markets-projected-to-steady-in-2026/) - With affordability still topping the list of priorities for homebuyers, Realtor.com research reports that buyers still prefer value hubs such as those found in the Northeast and Midwest.
- [Insurance Gaps Pose a Problem for Renters at Risk of Climate Disasters](https://themortgagepoint.com/2025/12/11/insurance-gaps-pose-a-problem-for-renters-at-risk-of-climate-disasters/) - According to a recent report by Harvard's Joint Center for Housing Studies, renters may be financially and physically vulnerable in the event of a disaster due to gaps in government disaster recovery programs and property insurance markets.
- [Bessent Proposes Major Overhaul of FSOC](https://themortgagepoint.com/2025/12/11/bessent-to-propose-overhaul-of-regulatory-body-created-from-financial-crisis-of-2008/) - Bessent's proposals push for looser regulation and a freer approach for the Financial Stability Oversight Council, a switch from its current focus on tightening regulations and oversight.
- [Fed Rate Cut Could Make Mortgages, Refinancing More Affordable](https://themortgagepoint.com/2025/12/11/fed-rate-cut-could-make-mortgages-refinancing-more-affordable/) - The rate announcement doesn't guarantee an immediate impact, as many lenders anticipated the cut and already have adjusted their rate sheets.
- [Demand for FHA Loans Ticks Up Alongside Refi Applications ](https://themortgagepoint.com/2025/12/10/demand-for-fha-loans-tick-up-alongside-refi-applications/) - Many Americans who own their properties are looking for the best rates and any savings they can get, a new CNBC report revealed, as refinance demand for FHA loans jumped last week, providing an outlet for homeowners nationwide.
- [Over the Next Two Years, Homeowners Could Experience Rise in Insurance Costs](https://themortgagepoint.com/2025/12/10/over-the-next-2-years-homeowners-could-experience-rise-in-insurance-costs/) - Real estate analytics firm Cotality has projected that the average homeowner insurance premium is expected to rise 8% in 2026, with another 8% in 2027.
- [Fed Committee Votes to Lower Interest Rates a Quarter Point](https://themortgagepoint.com/2025/12/10/fed-committee-votes-to-lower-interest-rates-quarter-point/) - The Open Market Committee vote carried caution flags about where policy is headed and featured “no” votes from three members, something that hasn’t happened since September 2019.
- [Milliman Acquires MorVest Capital to Expand Leadership in Mortgage Sector, MSR Analytics](https://themortgagepoint.com/2025/12/10/milliman-acquires-morvest-capital-to-expand-leadership-in-mortgage-sector-msr-analytics/) - The strategic acquisition reinforces Milliman's commitment to delivering comprehensive analytical solutions to the mortgage sector and expands its capabilities with MSR valuation, financing, hedging, and brokering.
- [HUD Temporarily Pauses Homelessness Funding Overhaul Ahead of Court Hearing ](https://themortgagepoint.com/2025/12/09/hud-temporarily-pauses-homelessness-funding-overhaul-ahead-of-court-hearing/) - HUD withdrew the notice of funding opportunity about 90 minutes before a Monday afternoon court hearing regarding two lawsuits challenging the agency’s recent changes to the Continuum of Care program. Here’s what’s in play.
- [Foreclosures Keep Rising Nationwide as Market ‘Normalizes’](https://themortgagepoint.com/2025/12/09/foreclosures-rise-annually-for-ninth-straight-month-as-2025-trend-continues/) - ATTOM's report noted that nationwide, one in every 3,992 housing units had a foreclosure filing in November. Despite national increases, markets like Boston, Miami, and Sacramento saw fewer starts, suggesting uneven pressure across regions.
- [October’s Housing Market: Sales and Listings Stagnant](https://themortgagepoint.com/2025/12/09/octobers-housing-market-stagnant-with-sales-and-listings-barely-moving/) - October data shows minimal movement across sales, listings, and price growth, signaling a stagnating market as buyers and sellers remain sidelined.
- [FHFA Announces Deemed-Issuance Ratio for 2026](https://themortgagepoint.com/2025/12/09/fhfa-announces-deemed-issuance-ratio-for-2026/) - The deemed-issuance ratio is used for diversification reporting on the bonds ultimately delivered to the buyer until the bonds have been disposed of.
- [CRE Deal Volume Falls for First Time in Nearly Two Years](https://themortgagepoint.com/2025/12/09/cre-deal-volume-falls-for-first-time-in-nearly-two-years/) - Monthly data provided by Moody's as a media exclusive to CNBC's Property Plan, showed that October was the first month of negative year-over-year transaction volume growth since the post-Fed rate hike recovery began in early 2024.
- [C3 Index: Consumer Lenders Turn Optimistic Despite a Challenging Q3](https://themortgagepoint.com/2025/12/09/c3-index-consumer-lenders-turn-optimistic-despite-a-challenging-q3/) - More members reported that business conditions worsened than reported they improved, AFSA said. Still, there's optimism in the report for the future.
- [U.S. Home Prices Continued Slow, Steady Rise This Fall ](https://themortgagepoint.com/2025/12/08/u-s-home-prices-continued-slow-steady-rise-in-october/) - A small monthly uptick and fewer metro-area declines point to a stabilizing market, though demand remains weak and affordability tight.
- [Labor Concerns Likely to Heavily Factor Into This Week’s Fed Cut Decision ](https://themortgagepoint.com/2025/12/08/fed-expected-to-cut-rate-for-third-straight-time-amid-labor-concerns/) - With layoffs climbing and inflation still elevated, the Fed faces competing pressures ahead of an expected third consecutive rate reduction.
- [Nearly Half of U.S. Renters Anticipate Buying a Home Within Four Years ](https://themortgagepoint.com/2025/12/08/nearly-half-of-u-s-renters-anticipate-buying-a-home-within-four-years/) - A new study from Experian says that almost half of renters believe they will be ready to buy a home in the next four years.
- [ICE Mortgage Monitor: Refinance Retention Hits Multi-Year High](https://themortgagepoint.com/2025/12/08/ice-mortgage-monitor-mortgage-refinance-retention-hits-multi-year-high/) - Servicer refinance retention rose to a 3.5-year high in the third quarter. Falling interest rates show more homeowner eagerness to cut monthly payments for lower returns than in past cycles.
- [Cost-Conscious Homebuyers Flock to Affordable ‘Refuge Markets’ ](https://themortgagepoint.com/2025/12/08/cost-conscious-homebuyers-flock-to-affordable-refuge-markets/) - Most of the "refuge markets" are in the Midwest and recorded some of the year's strongest price gains, according to Realtor.com.
- [Starter-Home Sales Tick Up as Housing Supply Hits Near-Decade High ](https://themortgagepoint.com/2025/12/05/starter-home-sales-tick-up-as-housing-supply-hits-near-decade-high/) - October experienced a year-over-year increase in starter-home sales as homebuyers took advantage of more inventory options and modest price increases nationwide, according to recent Redfin research.
- [Experts Offer Housing Affordability Predictions for 2026](https://themortgagepoint.com/2025/12/05/experts-offer-housing-affordability-predictions-for-2026/) - Housing affordability improved year-over-year for the seventh consecutive month in September, marking the longest stretch of annual gains from late-2019 to early-2020. Mark Fleming, Chief Economist at First American, revealed that recent trends may point to a slow but "meaningful shift" in the market’s trajectory.
- [Insurer Lifts Cap on California Homeowners Policies](https://themortgagepoint.com/2025/12/05/insurer-lifts-cap-on-california-homeowners-policies-but-theres-a-cost/) - Farmers Insurance's move is a significant step for a state that has wanted to rebuild its private insurance market for years.
- [Fair Market Rents Are Up Dramatically Since 2021](https://themortgagepoint.com/2025/12/05/fair-market-rents-are-up-dramatically-since-2021/) - In its study, LendingTree said the increased costs of Fair Market Rents show how quickly and drastically the rental market has shifted for new and renewing tenants.
- [Government News Roundup: Bessent Talks Recession Risks; FHFA Announces Caps, Loan Limits ](https://themortgagepoint.com/2025/11/25/treasury-secretary-u-s-not-at-risk-of-recession-in-2026/) - Scott Bessent says he is confident Americans will feel economic relief next year generated by President Donald Trump’s tariff agenda and trade deals. U.S. Federal Housing makes major announcements.
- [Study Identifies Most At-Risk U.S. Housing Markets ](https://themortgagepoint.com/2025/12/04/study-reveals-most-at-risk-housing-markets-amid-rising-mortgage-activity/) - With home prices still high nationwide, ATTOM's latest Housing Risk Report revealed the U.S.'s most at-risk counties, the safest cities, those with the highest unemployment rates, foreclosure activity, and more.
- [Generational Pessimism: Young Adults Giving Up on Homeownership ](https://themortgagepoint.com/2025/12/01/generational-pessimism-young-adults-giving-up-on-homeownership/) - With housing affordability at historic lows, a new study showed that younger generations such as Gen Z are increasingly turning to cryptocurrency and ‘economic nihilism.’
- [U.S. Housing Affordability Expected to Improve in 2026 ](https://themortgagepoint.com/2025/12/03/u-s-housing-affordability-experiences-slight-improvement/) - Improving incomes, softening mortgage rates, and cooling inflation are expected to give homebuyers slight relief, even as home prices continue to rise modestly.
- [Home Prices Rise Across Most States as FHFA Reports Solid Q3 2025 Growth ](https://themortgagepoint.com/2025/12/02/home-prices-up-yoy-from-q3-2025/) - New FHFA House Price Index data shows broad annual appreciation, with 44 states posting gains and the Northeast leading national growth.
- [Off-Site Construction Emerges as a Faster, Lower-Cost Tool for Community Developers](https://themortgagepoint.com/2025/12/05/off-site-construction-emerges-as-a-faster-lower-cost-tool-for-community-developers/) - A new report shows how community-based organizations are using factory-built methods to deliver affordable homes more quickly, when planning, design, and coordination line up.
- [Why Is Quality Control So Essential Within Mortgage Servicing?](https://themortgagepoint.com/2025/02/06/why-is-quality-control-so-essential-within-mortgage-servicing/) - Laura Hall of Selene explains how having a proper system of quality control can help a mortgage servicer better manage their operations and avoid servicing risk. (Sponsored Content)
- [Inside Servbank: A Higher Standard in Subservicing and Banking](https://themortgagepoint.com/2025/05/13/servbank-excellence-in-subservicing/) - Many in the industry have begun to turn to outsourcing as maintaining a competitive edge, while managing compliance and operational costs, is becoming increasingly difficult for many firms.
- [Why Customer Retention Is the Most Urgent Priority in a Shifting Mortgage Market](https://themortgagepoint.com/2025/09/22/why-customer-retention-is-the-most-urgent-priority-in-a-shifting-mortgage-market/) - Historically, retention has been viewed as a sales or origination function, but the truth is, servicing is the single most consistent and enduring touchpoint homeowners have with a lender.
- [Student Loan Delinquencies Among Renters Double in Early 2025](https://themortgagepoint.com/2025/12/04/student-loan-delinquencies-among-renters-double-in-early-2025-new-analysis-shows/) - According to new report from TransUnion, resumption of student loan payments has caused a financial strain that is reshaping the nation's rental market and creating new challenges for property managers who depend on credit-based scoring to assess risk.
- [Treasury Secretary: Fed Board Could 'Veto' Future Regional Presidents ](https://themortgagepoint.com/2025/12/04/treasury-secretary-fed-board-could-veto-future-regional-presidents/) - The proposal would allow the Fed Board, and effectively the White House, to veto candidates who haven’t lived three years in their district.
- [Weak Housing Market Dampens Enthusiasm for Home Remodeling](https://themortgagepoint.com/2025/12/04/weak-housing-market-dampens-enthusiasm-for-home-remodeling/) - Spending for remodeling projects is expected to remain steady through the end of the year and into mid-2026 despite softness in the economy.
- [LIHTC's Longstanding Stability Faces Turbulent Headwinds](https://themortgagepoint.com/2025/12/04/lihtcs-longstanding-stability-faces-turbulent-headwinds/) - Since 2024, things have shifted for the Low-Income Housing Tax Credit program, once thought of as a stable force that has delivered more than 130,000 units since 2018. Now, the program is being strained by multiple forces.
- [Study: Retail Workers Still Can’t Afford the ‘Typical’ Apartment ](https://themortgagepoint.com/2025/12/03/how-much-does-the-typical-retail-worker-need-to-afford-a-comfortable-apartment/) - A new Redfin study has revealed how much a basic retail worker would need to afford a typical apartment in the U.S., and the price tag may come as surprising to some.
- [The Child-Care Property Market Attracting Developers, REITs, and Big Capital](https://themortgagepoint.com/2025/12/03/niche-real-estate-sector-draws-big-money-for-little-kids-care/) - A new report shows the child-care real estate sector is booming as demand from parents far exceeds available facilities, drawing investors, developers, and national chains into the market.
- [Rural America Rebounds: Migration Fuels Growth After Years of Decline](https://themortgagepoint.com/2025/12/03/rural-america-rebounds-migration-fuels-growth-after-years-of-decline/) - Once losing residents, rural communities are seeing population gains as new domestic and international arrivals offset natural declines, though not all small towns share equally in the recovery.
- [Trump Says He Will Announce Fed Chief Nominee Early Next Year](https://themortgagepoint.com/2025/12/03/trump-says-he-will-announce-fed-chief-nominee-early-next-year/) - President Donald Trump further teased a months-long audition process for the next Fed chief during comments at a cabinet meeting in the White House.
- [Potential Homebuyers Remaining on the Sidelines ](https://themortgagepoint.com/2025/12/02/potential-homebuyers-remain-on-the-sidelines-as-home-prices-heighten/) - Would-be homebuyers remain hesitant to purchase, concerned about economic uncertainty and still-high home costs, as a shrinking pool of housing supply is increasing prices—leaving many home shoppers on the fence.
- [Honoring the Women Shaping the Future of Housing](https://themortgagepoint.com/2025/12/02/honoring-the-women-shaping-the-future-of-housing/) - MortgagePoint shares insights from the 2025 Women in Housing Leadership Award recipients to discuss their proudest achievements, mentors who inspired them, and advice for the next generation of industry leaders.
- [Bayview Asset Management Closes Guild Holdings Acquisition](https://themortgagepoint.com/2025/12/02/bayview-asset-management-closes-guild-holdings-acquisition/) - Guild Holdings, which originates, sells, and services residential mortgage loans in the United States, will operate as a privately held independent entity of Bayview's MSR Fund, which also owns Lakeview Loan Servicing LLC, a leading mortgage servicer.
- [Apartment Rents Drop Further, Vacancies Hit Record High](https://themortgagepoint.com/2025/12/02/apartment-rents-drop-further-vacancies-hit-record-high/) - Apartment prices fell 1% in November from October, and stand at $1,367. That was the fourth consecutive month-over-month decline. Meanwhile, the national multifamily vacancy rate remained at 7.2% in November.
- [Zillow Removes Climate Data From Listings Site](https://themortgagepoint.com/2025/12/01/zillow-removes-climate-data-from-listings-site/) - Zillow has halted the display of wildfire, flood, and extreme-heat scores across more than 1 million listings, redirecting users to First Street’s website instead. Here’s why.
- [New-Home Price & Construction Trends Driving Existing-Home Sales ](https://themortgagepoint.com/2025/12/01/new-home-price-construction-trends-drive-existing-home-sales/) - According to the latest data from Realtor.com, new-home pricing, builder incentives, and regional inventory shifts are reshaping affordability and narrowing the gap between new and existing homes.
- [Wall Street Banks Assess Fallout From SitusAMC Hack](https://themortgagepoint.com/2025/12/01/wall-street-banks-assess-fallout-from-data-firm-hack/) - The FBI is investigating the hack at real estate data firm SitusAMC, which says the unauthorized access affected account records and legal agreements, triggering reviews across major Wall Street banks.
- [Commercial Real Estate Confidence Remains Steady as Market Finds Its Footing ](https://themortgagepoint.com/2025/12/01/commercial-real-estate-confidence-remains-steady-as-market-finds-its-footing/) - The Real Estate Roundtable’s Q4 2025 Sentiment Index shows optimism returning to commercial real estate as markets stabilize, though policy uncertainty and tariffs still weigh on outlooks.
- [Homebuyer Regret Falls Sharply as Market Slowdown Boosts Confidence ](https://themortgagepoint.com/2025/11/21/homebuyer-regret-trends-downward-nationwide/) - Buyer's remorse is trending downward as the U.S. housing market has recently changed from a fast-paced sellers' market to one that gives home purchasers more breathing room, as many Americans are taking more time to consider their options and make confident decisions.
- [National Mortgage Fraud Risk Rises as Investors Take on Multiple Properties ](https://themortgagepoint.com/2025/11/19/examining-national-mortgage-fraud-risk/) - “Undisclosed real estate was once again the fraud segment with the highest increase," said Matt Seguin, Senior Principal of Cotality Fraud Solutions. "As the percentage of investors grows, more borrowers have multiple properties and mortgages."
- [U.S. Home Price Growth Slows to ‘Weakest Performance Since Mid-2023’ ](https://themortgagepoint.com/2025/11/25/u-s-national-home-price-nsa-index-posts-yearly-gains/) - September’s Case-Shiller data shows decelerating national gains, widespread monthly declines, and sharp weakness across Sun Belt metros as higher mortgage rates cool demand.
- [Housing Market Outlook 2026: Resets, Risks, and Road to Recovery](https://themortgagepoint.com/2025/11/26/housing-market-outlook-2026-resets-risks-and-road-to-recovery/) - From affordability pressures to investor dynamics and the industry’s blind spots, Rick Sharga offers a data-driven look at what will shape housing in 2026.
- [Small Investors Dominate as Investor Purchases Hold Steady ](https://themortgagepoint.com/2025/11/26/small-investors-dominate-as-investor-purchases-hold-steady/) - Investor buying stayed stable through mid-2025, even as total home sales slowed. Smaller investors are taking a bigger role while large players pull back, with activity concentrated in the South and Midwest.
- [RealPage Agrees to Settle Antitrust Lawsuit With DOJ Over Rent Algorithm](https://themortgagepoint.com/2025/11/26/realpage-agrees-to-settle-antitrust-lawsuit-with-doj-over-its-rent-algorithm/) - Prosecutors contended the company's algorithm illegally helped landlords drive up prices through the use of confidential data. Under the settlement, RealPage won't have to pay any damages or admit any wrongdoing.
- [Fed Rate Cut in December May Be More Likely as Officials Signal Support](https://themortgagepoint.com/2025/11/26/fed-rate-cut-in-december-may-be-more-likely-as-key-officials-signal-support/) - Both New York Fed President John Williams and San Francisco Fed President Mary Daly signaled they support a rate cut when The Federal Open Market Committee next votes on rate policy on Dec. 10.
- [ICE First Look: Mortgage Prepayments Hit 3.5-Year High ](https://themortgagepoint.com/2025/11/25/ice-first-look-increased-refinance-activity-drives-mortgage-prepayments-to-3-5-year-high/) - Andy Walden, Head of Mortgage and Housing Market Research at ICE said softening mortgage rates have helped push prepayments to the highest point in years.
- [Pending Home Sales on the Rise as Lower Rates Unlock Pent-Up Demand ](https://themortgagepoint.com/2025/11/25/u-s-pending-home-sales-on-the-uptick/) - The National Association of Realtors has reported that contract signings increased from September but remain below last year’s levels, reflecting affordability challenges and uneven regional demand.
- [MortgagePoint Webinar - The Human Multiplier: Where AI Stops and Expert Ops Begin](https://themortgagepoint.com/2025/11/25/mortgagepoint-webinar-the-human-multiplier-where-ai-stops-and-expert-ops-begin/) - Join MortgagePoint, Global Strategic, and Rocktop for an exclusive webinar that will delve into how lenders can move beyond pure AI automation and build “human-in-the-loop” operating models that drive quality, cost control, and scale.
- [Gen Z and Millennials Gain Ground in Homeownership as Market Shifts ](https://themortgagepoint.com/2025/11/24/next-gen-opportunities-on-the-uplook-as-opportunities-rise/) - “…Millennials and Gen Z remind us that, while the journey to homeownership may lengthen, the destination remains the same,”said Sam Williamson, Senior Economist at First American.
- [Great Financial Crisis: How Two Major Sources of Risk Have Been Contained](https://themortgagepoint.com/2025/11/24/great-financial-crisis-how-2-major-sources-of-risk-have-been-contained/) - Writing for the NYU Furman Center, former Freddie Mac CEO Donald Layton examines the lasting effects of the Great Financial Crisis in a two-part series. In Part 1: How did the government, central bankers, and the financial industry react?
- [Jobs Report, Slowing Labor Market Complicate Fed's December Rate Decision](https://themortgagepoint.com/2025/11/24/jobs-report-slowing-labor-market-complicate-feds-december-rate-decision/) - "Hold or cut, there will likely be multiple dissents," one economist said. The Fed vote could be a close call.
- [Housing Market Outlook 2026: Moderate Growth Amid Market Crosscurrents](https://themortgagepoint.com/2025/11/24/housing-market-outlook-2026-moderate-growth-amid-market-crosscurrents/) - MBA Chief Economist Michael Fratantoni discusses origination volume, rate-path risks, fading lock-in effects, and the shifting labor market’s impact on credit quality. (Editor’s note: This piece originally appeared in MortgagePoint magazine.)
- [Mortgage Originations Dip in Q3 Despite Gains in Refis, HELOCs ](https://themortgagepoint.com/2025/11/21/u-s-mortgage-originations-fall-2-percent-in-q3/) - According to ATTOM's Q3 2025 U.S. Residential Property Mortgage Origination Report, U.S. mortgage originations fell as mortgage activity eased.
- [Senate Banking Committee Advances Key Senior Administration Nominees](https://themortgagepoint.com/2025/11/20/senate-banking-committee-advances-key-senior-administration-nominees/) - FDIC, HUD, Ginnie Mae, and Treasury leadership picks move forward amid calls for stronger housing affordability and financial stability.
- [New Home Listings Rise Toward Pre-Pandemic Levels ](https://themortgagepoint.com/2025/11/21/new-listings-to-drive-u-s-housing-market-as-supply-remains-limited/) - According to new commentary from Odeta Kushi, Deputy Chief Economist at First American, improving inventory is a crucial component of a long-term recovery for the nationwide housing market, as seen by the high correlation between an increase of new listings and the number of home sales.
- [Analysis Shows Cities With Highest Mortgage Delinquency Rates](https://themortgagepoint.com/2025/11/21/analysis-shows-cities-with-highest-mortgage-delinquency-rates/) - A new study shows surging delinquency nationwide, with several cities facing the steepest increases amid high housing costs and financial strain.
- [Housing Market Outlook 2026: Affordability, Rate Lock-In, and the Risks Ahead](https://themortgagepoint.com/2025/11/21/housing-market-outlook-2026-affordability-rate-lock-in-and-the-risks-ahead/) - First American’s Chief Economist Mark Fleming breaks down affordability trends, life-event-driven demand, geographic price corrections, and the biggest risks shaping 2026.
- [NAR Existing-Home Sales Report Shows Rise in October ](https://themortgagepoint.com/2025/11/20/nar-existing-home-sales-report-shows-1-2-rise-in-october/) - Sales increased in the Midwest and South, were unchanged in the Northeast, and fell in the West in October, the NAR reported.
- [Housing Market Outlook 2026: Key Risks, Policy Shifts, and What Comes Next](https://themortgagepoint.com/2025/11/20/housing-market-outlook-2026-key-risks-policy-shifts-and-what-comes-next/) - From affordability fixes to insurance-market stress and the future of credit flow, John Comeau of the Council of Federal Home Loan Banks shares what to watch in the year ahead.
- [U.S. Rents Continue Slide as Housing Trends Shift ](https://themortgagepoint.com/2025/11/20/u-s-rents-fall-for-27th-consecutive-month-as-housing-trends-shift/) - October 2025 marked the 27th straight month of year-over-year rent declines for 0–2-bedroom properties, with 20 of the 50 largest metros having transitioned from being dominated by local renters to being driven more by out-of-market demand over the past six years.
- [Greystar Agrees to $7M Settlement in Rent‑Setting Algorithm Suit](https://themortgagepoint.com/2025/11/20/greystar-agrees-to-7m-settlement-in-rent‑setting-algorithm-suit/) - The nation’s largest landlord will stop using software that incorporates competitors’ data, resolving a multi-state antitrust suit tied to RealPage-powered rent pricing.
- [Getting First-Time Homebuyers Into the Game ](https://themortgagepoint.com/2025/11/17/getting-first-time-homebuyers-into-the-game/) - A new article authored by Matt Young, SVP of Sales at Enact Mortgage Insurance, details the complex process of buying your first home in this economic environment, as many first-time buyers feel like the odds are stacked against them—as mortgage rates, home prices, and even insurance costs remain elevated.
- [President Hints at Choice for Next Fed Chair](https://themortgagepoint.com/2025/11/19/trump-thinks-he-already-knows-choice-for-next-fed-chair/) - Treasury Secretary Scott Bessent is leading the search and said the list has been narrowed to about five people, with President Trump suggesting he has a preferred candidate.
- [More Low-Income Americans Living Paycheck to Paycheck](https://themortgagepoint.com/2025/11/19/more-low-income-americans-live-paycheck-to-paycheck/) - Lower-wage workers experienced strong wage growth during the pandemic and subsequent economic recovery, but that increase slowed sharply since late 2022.
- [Housing Market Outlook 2026: Economist Molly Boesel on Structural Threats Ahead](https://themortgagepoint.com/2025/11/19/housing-market-outlook-2026-economist-molly-boesel-on-the-structural-threats-ahead/) - Cotality Principal Economist Molly Boesel discusses the supply deficit, affordability strain, and rising non-mortgage costs reshaping the 2026 housing landscape.
- [Trump Administration Nominates Levenbach to Lead CFPB](https://themortgagepoint.com/2025/11/19/trump-administration-nominates-levenbach-to-lead-cfpb/) - Office of Management and Budget official Stuart Levenbach has been nominated by the Trump administration to serve a five-year term as Director of the Consumer Financial Protection Bureau.
- [House Prices Accelerate for First Time in Almost a Year](https://themortgagepoint.com/2025/11/18/house-prices-accelerate-for-first-time-in-almost-a-year/) - The First American Data & Analytics HPI divides home price changes at the metro level into three price tiers.
- [JPMorgan Chase, Fintechs Agree on Data Payments](https://themortgagepoint.com/2025/11/18/jpmorgan-chase-fintechs-agree-on-data-payments/) - The agreement ends a long-standing dispute over third-party data access, with JPMorgan securing payments while fintechs seek regulatory certainty.
- [Builder Mortgage Rate Buydowns Surge as Affordability Pressures Mount](https://themortgagepoint.com/2025/11/18/builder-mortgage-rate-buydowns-surge-as-affordability-pressures-mount/) - According to an AEI report, new-home builders increasingly favor rate buydowns over price reductions, citing lower costs and risks tied to valuation.
- [New Growth Ahead: Tapping Into Home Equity and Non-QM Synergies](https://themortgagepoint.com/2025/11/18/new-growth-ahead-tapping-into-home-equity-and-non-qm-synergies/) - With second-lien volumes at 17-year highs and non-QM sales projected to hit $100 billion, lenders are finding growth at the intersection of flexibility and borrower need.
- [NPPC 25 Takes Center Stage in D.C.](https://themortgagepoint.com/2025/11/18/nppc-25-takes-center-stage-in-d-c/) - The 21st annual National Property Preservation Conference gathered industry leaders, economists, and servicers to discuss AI adoption, affordability concerns, GSE reform, and technology shaping preservation strategies.
- [‘Portable Mortgage’ Proposal Gains Attention ](https://themortgagepoint.com/2025/11/17/as-50-year-mortgages-face-criticism-portable-mortgage-proposal-gains-attention/) - With more than half of U.S. borrowers locked into sub-4% rates, policymakers say mortgage portability could potentially improve affordability and increase housing supply—but how would it work?
- [New Research Links U.S. Fertility Decline to High Housing Costs ](https://themortgagepoint.com/2025/11/17/plunging-u-s-birth-rates-intensifying-already-pricey-housing-costs/) - According to a recent research paper authored by Benjamin K. Couillard, one of the primary causes of declining birth rates within the U.S.—one of many countries with historically low figures—is the rising cost of housing, which he revealed may further heighten in the coming years.
- [Most Metro Areas Saw Home-Price Gains in Q3 Despite Sluggish Sales](https://themortgagepoint.com/2025/11/17/home-prices-keep-rising-in-most-u-s-metros-as-affordability-remains-tight/) - NAR’s latest quarterly report shows a majority of metros posting year-over-year gains, even as sales lag, supply remains tight, and affordability lingers near record lows.
- [Study: Mortgage Satisfaction Jumps as Originators Embrace High-Touch, Hybrid Service](https://themortgagepoint.com/2025/11/17/originators-implement-new-lending-approach-strengthening-customer-satisfaction/) - Lenders have significantly altered their customer service practices, according to J.D. Power's 2025 U.S. Mortgage Origination Satisfaction Study, while new mortgage origination volumes are rising again after a four-year downturn.
- [How Tough Conversations Help Loan Officers Reach Their Full Potential](https://themortgagepoint.com/2025/11/17/how-tough-conversations-help-loan-officers-reach-their-full-potential/) - Franco Terango of Certainty Home Lending discusses how delivering constructive feedback with empathy can turn independence into impact.
- [Executives Who Challenged Fannie Mae Data Sharing Forced Out, AP Says](https://themortgagepoint.com/2025/11/14/executives-who-challenged-fannie-mae-data-sharing-forced-out-ap-says/) - The report details internal fallout at Fannie Mae, concerns over data-sharing, and escalating political criticism directed at FHFA Director Bill Pulte.
- [Increasing Borrower Satisfaction Starts with Modernizing Servicing Communications ](https://themortgagepoint.com/2025/11/14/increasing-borrower-satisfaction-starts-with-modernizing-servicing-communications/) - Patrick Kehoe, EVP of Product Management at Messagepoint, Inc., detailed his professional insight surrounding mortgage servicing, originations, borrower trends, and more after the release of J.D. Power’s 2025 U.S. Mortgage Servicer Satisfaction Study.
- [U.S. Home Supply Forecast to Increase Amid 'Recovering Housing Market'](https://themortgagepoint.com/2025/11/14/u-s-home-supply-forecast-to-increase-amid-recovering-housing-market/) - According to First American's latest 2025 forecast, "The 2025 housing market is poised to make strides forward—offering progress, but still far from perfection."
- [U.S. Foreclosures Continue Gradual Climb Amid Higher Housing Costs ](https://themortgagepoint.com/2025/11/13/u-s-foreclosure-starts-completions-up-yoy/) - Foreclosure activity continued its steady upward trend in October, the eighth straight month of year-over-year increases, as foreclosure starts and completed foreclosures were up significantly from last year.
- [Housing Supply Expands Again (But There’s a But) ](https://themortgagepoint.com/2025/11/14/inventory-climbs-for-24th-straight-month-but-housing-market-shows-signs-of-decline/) - Realtor.com data shows inventory rising across all major regions and metros, while soft demand, slower sales, and growing price cuts point to a housing market losing steam.
- [Prospective Homebuyers Waiting for Lower Rates](https://themortgagepoint.com/2025/11/14/prospective-homebuyers-wait-for-lower-rates-as-uncertain-economic-clarity-persists/) - Homes on the market that are selling are taking even more time to find buyers, who remain cautious about high housing costs and unstable economic conditions, according to recent Redfin research.
- [Inside the Future of Mortgage Servicing](https://themortgagepoint.com/2025/11/14/inside-the-future-of-mortgage-servicing/) - Join us for an exclusive webinar featuring Freedom Mortgage President of Residential Servicing David Sheeler, as he shares insights on leadership, loss mitigation, and preparing servicing teams for the market ahead.
- [Inside NPPC 2025: Keynotes, Panels & What to Expect Next Week](https://themortgagepoint.com/2025/11/13/inside-nppc-2025-keynotes-panels-what-to-expect-next-week/) - Safeguard Properties’ annual National Property Preservation Conference returns November 17–19, bringing together servicers, regulators, tech innovators, and field services leaders for three days of panels, keynotes, and collaboration.
- [FHLBanks Drive Liquidity and Affordability With Surge in AMA Mortgage Purchases ](https://themortgagepoint.com/2025/11/13/fhlbanks-ama-programs-keep-homeownership-within-reach/) - Federal Home Loan Banks are expanding mortgage liquidity and community lending through $14.6 billion in 2024 acquisitions, with Acquired Member Asset (AMA) Programs at the forefront of recent activity.
- [Bostic to Retire as Fed Committee Seat Set to Open](https://themortgagepoint.com/2025/11/13/bostic-to-retire-as-fed-committee-seat-set-to-open/) - At a time when President Donald Trump is attempting to increase authority over the central bank, Raphael Bostic, President of the Federal Reserve Bank of Atlanta, will retire at the end of his current term in February, creating a new position on the Fed's interest-rate setting committee.
- [Fed Cuts, Higher Mortgage Rates: Atlanta Fed Explains the Disconnect](https://themortgagepoint.com/2025/11/13/fed-cuts-higher-mortgage-rates-atlanta-fed-explains-the-disconnect/) - Research from the Atlanta Fed explores how long-term Treasury yields, not Fed policy, are the key drivers behind today’s stubbornly high mortgage rates.
- [Leading With Gratitude: Anna Lin on Leadership and Growing Through the Ranks](https://themortgagepoint.com/2025/11/11/leading-with-gratitude-anna-lin-on-leadership-gratitude-and-growing-through-the-ranks/) - In this installment of Counsel’s Corner, Anna Lin reflects on her rise from law student to firm president, her philosophy of gratitude and authenticity, and what it takes to thrive in New York’s complex foreclosure landscape.
- [Best Days to Buy: Purchasers Target Lowest Premiums Above AVM](https://themortgagepoint.com/2025/11/12/best-day-to-buy-purchasers-target-lowest-premiums-above-avm/) - The greatest days of the year to buy a home are highlighted in ATTOM's annual report, and according to the survey, two late-year months feature the lowest premiums for buyers and the best overall day to purchase a home.
- [Shopping Around for Mortgage Refi Rates Could Save Homeowners Thousands](https://themortgagepoint.com/2025/11/11/shopping-around-for-mortgage-refi-rates-could-save-homeowners-thousands/) - According to a recent LendingTree study, if American homeowners refinance their properties at the best rate available, they may be able to save more than $50,000 on their current mortgage.
- [Young Adults Face Growing Struggles in Jobs and Housing](https://themortgagepoint.com/2025/11/12/young-adults-face-growing-struggles-in-jobs-and-housing/) - Rising unemployment and limited housing support are leaving millions of Americans priced out of homes and living with family, according to new data from the Harvard Joint Center for Housing Studies.
- [Fannie Mae Removes FICO Floor for Desktop Underwriter, Expands Access to Mortgages](https://themortgagepoint.com/2025/11/12/fannie-mae-removes-fico-floor-for-desktop-underwriter-expands-access-to-mortgages/) - Fannie Mae’s latest updates shift focus from credit scores to a comprehensive evaluation of borrower risk factors, while offering enforcement relief for certain undisclosed non-mortgage debt.
- [Sidebar With Stan: AI, Mortgage Rates, and What’s Next for 2026](https://themortgagepoint.com/2025/11/12/sidebar-with-stan-ai-mortgage-rates-and-whats-next-for-2026/) - Freedom Mortgage CEO Stan Middleman sees opportunity ahead if the industry can shake off complacency, manage risk, and prepare for AI’s deflationary impact on jobs and rates.
- [Where Are America’s Most House-Poor Cities? ](https://themortgagepoint.com/2025/11/11/where-are-the-most-house-poor-cities-in-america/) - Even as national affordability inches upward, a new report reveals how unevenly housing burdens are felt across various U.S. cities.
- [Homeownership Still Pays Off as Affordability Shows Signs of Recovery ](https://themortgagepoint.com/2025/11/11/homeownership-still-pays-off-as-affordability-slowly-improves/) - A new study from First American revealed that equity gains are continuing to build long-term wealth, even as many U.S. households weigh whether to rent or buy.
- [Nearly Half of Americans Say Government Shutdown Hurting Housing and Finances ](https://themortgagepoint.com/2025/11/11/government-shutdown-affecting-u-s-homeowners-property-purchases-more/) - A new Redfin survey revealed that Americans are less likely to make a major purchase due to the government shutdown, with many reporting the shutdown has had a negative impact on their life.
- [Fed’s December Rate Cut Uncertain as Officials Send Mixed Signals](https://themortgagepoint.com/2025/11/11/feds-december-rate-cut-uncertain-as-officials-send-mixed-signals/) - While markets once anticipated another rate cut in December, shifting data, a prolonged government shutdown, and mixed Fed messaging have shaken that confidence.
- [Experts Warn of Hidden Risks in Proposed 50-Year Mortgage Plan ](https://themortgagepoint.com/2025/11/10/experts-warn-of-hidden-risks-in-proposed-50-year-mortgage-plan/) - Industry leaders and economists warn that President Trump’s proposed 50-year mortgage could saddle borrowers with lifetime debt, higher interest costs, and delayed home equity growth.
- [HUD Extends Energy Efficiency Compliance Deadline to 2026 ](https://themortgagepoint.com/2025/11/10/hud-extends-energy-efficiency-compliance-deadline-to-2026/) - The compliance extension covers FHA-insured multifamily housing and other federally supported programs as HUD reviews nearly 100 public comments on its energy code adoption.
- [Report: Housing Market Stalls as House Hunters Remain Hesitant ](https://themortgagepoint.com/2025/11/10/pending-sales-experience-minimal-increases-as-house-hunters-remain-hesitant/) - Despite a slight decline in U.S. mortgage rates, a new Redfin report showed that homes are selling at the slowest pace for this time of year since 2019—representing the smallest increase in four months—as many Americans remain cautious about entering the current housing market.
- [Strong Growth in Office, Retail, and Hotel Originations ](https://themortgagepoint.com/2025/11/10/mba-report-q3-commercial-multifamily-borrowing-ticks-up/) - “Commercial and multifamily borrowing has now increased for five straight quarters on both a quarterly and annual basis,” said Reggie Booker, MBA’s Associate VP of Commercial/Multifamily Research.
- [House Republicans, Insurance Groups Urge FHFA to Reverse Home Insurance Guidance](https://themortgagepoint.com/2025/11/10/house-republicans-insurance-groups-urge-fhfa-to-reverse-home-insurance-guidance/) - More than 45 House Republicans joined major insurance associations in urging FHFA Director William Pulte to withdraw new guidance restricting Actual Cash Value homeowners’ policies for federally backed mortgages.
- [Report Finds Many Americans Are Fleeing Flood-Prone Areas  ](https://themortgagepoint.com/2025/11/07/report-finds-many-americans-are-fleeing-flood-prone-areas/) - A new Redfin analysis finds that for the first time since 2019, more Americans are fleeing high-flood-risk areas than moving in, driven by soaring insurance rates, rising home costs, and climate disasters.
- [International Buyers Still Favor U.S. Homes, But Demand Shows Signs of Cooling ](https://themortgagepoint.com/2025/11/07/international-buyers-still-favor-u-s-homes-but-demand-shows-signs-of-cooling/) - New data from Realtor.com showed that Miami, New York, and Los Angeles lead in interest migration as Canada remains the top source of international traffic despite a declining share.
- [Consumer, Civil Rights Groups Warn FHFA’s 2026–2028 Goals Could Deepen Housing Crisis](https://themortgagepoint.com/2025/11/07/consumer-civil-rights-groups-warn-fhfas-2026-2028-goals-could-deepen-housing-crisis/) - By lowering affordable housing targets for Fannie Mae and Freddie Mac, the FHFA could block as many as 177,000 families from achieving homeownership, advocates say.
- [FHLBanks Back FHFA’s Efforts to Modernize Oversight, Expand Housing Supply](https://themortgagepoint.com/2025/11/05/council-of-fhlbanks-applauds-fhfas-initiatives-to-improve-housing-supply-streamline-regulations/) - A letter from the Council of FHLBanks expressed strong support for FHFA’s modernization agenda and urged continued reform to help the System deliver on its housing mission.
- [FHLB Dallas Awards $73.5M to Boost Affordable Housing Across Six States](https://themortgagepoint.com/2025/11/07/fhlb-dallas-awards-73-5m-to-boost-affordable-housing-across-six-states/) - The Affordable Housing Program grants will fund 53 projects and more than 3,700 homes across Texas, Louisiana, Arkansas, Mississippi, Colorado, and New Mexico.
- [MCS Announces Agreement to Sell Mortgage Services Business Line to Stewart](https://themortgagepoint.com/2025/11/07/mcs-announces-agreement-to-sell-mortgage-services-business-line-to-stewart/) - Upon completion of the sale, MCS will continue to operate the MCS Commercial, MCS Residential, and MCS Government Services businesses, along with the associated sub brands of each of those entities.
- [50 Years of Housing: Tech Hubs Surge, Industrial Cities Stagnate](https://themortgagepoint.com/2025/11/06/half-a-century-of-housing-coastal-tech-hubs-soar-while-industrial-cities-stall/) - Realtor.com’s half-century housing study shows how the tech revolution reshaped U.S. housing, creating million-dollar coastal markets and leaving former factory towns behind.
- [Zacks Downgrades Fannie Mae as Conservatorship, Leadership Uncertainty Linger](https://themortgagepoint.com/2025/11/06/zacks-downgrades-fannie-mae-as-conservatorship-leadership-uncertainty-linger/) - Despite the downgrade, Fannie Mae’s stock gained slightly this week as the GSE navigates CEO turnover, workforce reductions, and questions over its long-term structure.
- [Opportunity Zones Experience Price Gains in Q2 ](https://themortgagepoint.com/2025/11/06/opportunity-zones-experience-price-gains-in-q2/) - Despite widespread gains, ATTOM’s latest data reveals that lower-priced Opportunity Zones lagged behind, highlighting ongoing disparities in housing market recovery.
- [Chicago Fed’s Goolsbee Signals Uncertainty on More Rate Cuts Amid Data Gaps](https://themortgagepoint.com/2025/11/06/chicago-feds-goolsbee-signals-uncertainty-on-more-rate-cuts-amid-data-gaps/) - As key inflation reports remain delayed, Goolsbee warns that the Fed should move carefully on rate cuts until the economic picture becomes clearer.
- [Share of For-Sale Newly Built Homes Hits Four-Year Low](https://themortgagepoint.com/2025/11/06/share-of-for-sale-newly-built-homes-hits-four-year-low/) - A new Redfin report showed that as more homeowners list and properties remain on the market, the pool of current inventory is growing; however, in an effort to reduce inventory, some builders are delaying the start of new projects.
- [FHFA: Loan Mods, Forbearances Edge Down; Refi Volume Climbs](https://themortgagepoint.com/2025/11/05/fhfa-report-unveils-foreclosure-prevention-plans-refi-trends-more/) - The Federal Housing Finance Agency (FHFA) has released a new report that revealed the share of completed foreclosure prevention activities in August, along with trends in loan modification strategies, refinance activity, and more.
- [Luxury Housing Market Cools, but $1M Still Goes Far in These Cities](https://themortgagepoint.com/2025/11/05/luxury-housing-market-cools-slightly-but-1-million-still-goes-far-in-some-cities/) - September data shows luxury prices dipping slightly, and listings lingering longer on the market, signaling a gradual normalization after years of record-breaking activity.
- [U.S. Household Debt Climbs to $18.6 Trillion](https://themortgagepoint.com/2025/11/05/report-u-s-household-debt-climbs-to-18-6-trillion/) - The New York Fed reports that household debt increased by $197 billion in Q3 2025, even as delinquency rates held steady thanks to strong home equity and disciplined lending.
- [Fed Injects $125B Into Banking System as Liquidity Tightens](https://themortgagepoint.com/2025/11/05/fed-injects-125b-into-banking-system-as-liquidity-tightens/) - With reserves at $2.8 trillion and balance sheet runoff ending, the Fed’s $125 billion injection marks a turning point in its tightening cycle.
- [Government Shutdown Forces HUD Layoffs, Delaying Key Housing Services](https://themortgagepoint.com/2025/10/14/hud-feeling-impact-of-government-shutdown/) - The HUD layoffs could delay rental aid, public housing management, and grant approvals, adding pressure to already vulnerable communities.
- [Millions of Boomers Still Renting Homes Rather Than Buying](https://themortgagepoint.com/2025/11/04/millions-of-boomers-still-renting-homes-rather-than-buying/) - Some may believe that baby boomers had an easier time becoming homeowners than later generations; however, according to recent LendingTree research, a sizable portion of boomers are choosing to forego homeownership and rent instead.
- [Down Payments Hold Steady as Affordability Pressures Keep Buyers on the Sidelines](https://themortgagepoint.com/2025/11/04/down-payments-hold-steady-as-affordability-pressures-keep-buyers-on-the-sidelines/) - With housing costs still high and mortgage rates stubbornly elevated, typical down payments remain steady but far above pre-2020 norms.
- [Report: Trump Administration Removes FHFA Inspector General Joe Allen](https://themortgagepoint.com/2025/11/04/report-trump-administration-removes-fhfa-inspector-general-joe-allen/) - The Trump administration’s removal of FHFA watchdog Joe Allen has sparked alarm from critics over the independence of regulators overseeing America’s housing finance system.
- [Homes Changing Hands: Housing Turnover Reaches Lowest Level in Decades ](https://themortgagepoint.com/2025/11/04/homes-changing-hands-housing-turnover-reaches-lowest-level-in-decades/) - “America’s housing market is defined right now by caution,” said Chen Zhao, Head of Economics Research at Redfin. “Buyers are walking away from deals more often, sometimes due to affordability issues and sometimes because they’re re-evaluating whether now is the right moment to commit.”
- [Inflation Debate Heats Up as Treasury, Trump Offer Differing Views](https://themortgagepoint.com/2025/11/04/inflation-debate-heats-up-as-treasury-trump-offer-conflicting-views/) - While President Trump insists inflation is no longer a concern, Treasury data shows price growth remains stubbornly above the Fed’s 2% goal, with housing and energy still driving costs.
- [Bessent Says Housing Market in ‘Recession,’ Urges Fed to Act Faster on Rates ](https://themortgagepoint.com/2025/11/03/bessent-says-housing-market-in-recession-urges-fed-to-act-faster-on-rates/) - While the Fed has made two consecutive rate cuts, Treasury Secretary Scott Bessent says slow action could deepen the slump in housing and expose the economy’s reliance on the tech sector.
- [Senate Hearing Exposes Tensions Over HUD Layoffs and Housing Access](https://themortgagepoint.com/2025/11/03/senate-hearing-exposes-tensions-over-hud-layoffs-and-housing-access/) - Lawmakers expressed bipartisan concern that recent HUD layoffs could weaken the department’s housing-access programs, as nominees for FHA and Ginnie Mae leadership pledged to maintain stability and affordability.
- [How Generational Shifts Will Reshape Homeownership Through 2060 ](https://themortgagepoint.com/2025/11/03/generational-homeownership-shifts-as-housing-trends-continue-to-change/) - New data from First American revealed which generations dominate homeownership today and which will soak up the millions of family homes expected to be available after elderly age groups age out, sustaining demand for decades.
- [Gen Z Keeps Homeownership Dreams Alive Despite Record Affordability Challenges ](https://themortgagepoint.com/2025/11/03/gen-z-confronts-housing-affordability-but-keeps-the-dream-alive/) - Half of Gen Z respondents say career advancement outweighs homeownership for now, but most still view buying a home as key to financial security and the American dream.
- [Growing Divide Among Consumers Persists as Credit Risk Takes a Turn ](https://themortgagepoint.com/2025/11/03/growing-divide-among-consumers-persists-as-credit-risk-takes-a-turn/) - According to TransUnion's Q3 2025 Credit Industry Insights Report, recent trends in consumer credit risk point to a widening gap among U.S. consumers, with some exhibiting greater financial resilience and many others facing increasing difficulties.
- [FHFA Details Housing Goal Performance, Mortgage Acquisitions ](https://themortgagepoint.com/2025/10/31/fhfa-annual-housing-report-reveals-housing-goal-performance-mortgage-activity-more/) - The FHFA’s latest report outlines how the Enterprises performed on key housing affordability and access goals amid evolving market conditions.
- [Rents Keep Falling Across Many U.S. Metro Areas](https://themortgagepoint.com/2025/10/30/u-s-rents-keep-falling-boosting-affordability-across-many-u-s-metro-areas/) - Nationwide, September marks the 26th straight month of rent declines, with typical renters now spending less of their income on housing.
- [Former Fannie Mae President David Benson Returns in New Role ](https://themortgagepoint.com/2025/10/31/former-president-of-fannie-mae-and-industry-veteran-returns-as-senior-adviser/) - After stepping down from his role in November 2023, Benson is rejoining the government-sponsored enterprise in the capacity of Senior Adviser.
- [Despite Falling Mortgage Rates, Home Prices Keeping Buyers Sidelined](https://themortgagepoint.com/2025/10/31/despite-falling-mortgage-rates-home-prices-keeping-buyers-sidelined/) - Even with borrowing costs down, affordability remains out of reach for most Americans as home prices sit at record highs.
- [Remembering John Bell III, Formerly of VA Loan Guaranty Service](https://themortgagepoint.com/2025/10/30/remembering-john-bell-iii-formerly-of-va-loan-guaranty-service/) - As Executive Director of VA's Loan Guaranty Service, Bell had extensive mortgage industry experience, having served in leadership roles with nationwide lenders for over 20 years before starting his career with VA in 2010.
- [How Zombie Foreclosures, Vacancy Rates Are Trending Nationwide ](https://themortgagepoint.com/2025/10/30/zombie-foreclosures-vacancy-rates-decline-nationwide/) - Even as foreclosure filings rise, fewer properties are being abandoned, signaling continued strength in housing demand, according to ATTOM’s new report.
- [FOMC Delivers Expected Rate Cut](https://themortgagepoint.com/2025/10/29/fomc-delivers-expected-rate-cut/) - The Federal Reserve’s quarter-point cut could ease borrowing costs and spur mortgage demand, though analysts say rate relief for homebuyers may take time to materialize.
- [FHFA House Price Index Reveals Recent Changes in Market Trends](https://themortgagepoint.com/2025/10/29/fhfa-house-price-index-reveals-recent-changes-in-market-trends/) - The U.S. Federal Housing Finance Agency (FHFA) has released its findings from the monthly House Price Index (HPI), revealing new data surrounding home price increases, housing growth, the percentage of U.S. price drops, and more.
- [S&P Case-Shiller Index Shows Weakest Home Price Gains in Over Two Years](https://themortgagepoint.com/2025/10/28/august-2025-sp-capital-market-case-shiller-index-reports-annual-gains/) - "August's data shows U.S. home prices continuing to slow," said Nicholas Godec, CFA, CAIA, CIPM, Head of Fixed Income Tradables & Commodities at S&P Dow Jones Indices, adding that the gains fall "well below the 3% inflation rate.”
- [Haunted Homes: Homebuyers Ain't Afraid of No Ghosts ](https://themortgagepoint.com/2025/10/30/haunted-homes-homebuyers-willing-to-live-with-ghosts/) - To achieve the American Dream, many U.S. homebuyers are willing to look past the frightful prospect of a haunted home, with a new LendingTree report revealing the share of buyers that would consider buying a home they believed was haunted...and those who would pay more for the experience.
- [Chicago Housing Authority Sues HUD Over New Funding Restrictions](https://themortgagepoint.com/2025/10/30/chicago-housing-authority-sues-hud-over-new-funding-restrictions/) - The lawsuit challenges HUD’s new certification rules tied to $185 million in federal housing subsidies, which CHA says threaten over $1 billion in total funding.
- [Fannie Mae’s Profits Climb, Freddie Mac’s Fall in Divergent Q3 Results](https://themortgagepoint.com/2025/10/30/fannie-maes-profits-climb-freddie-macs-fall-in-divergent-q3-results/) - The two GSEs reported mixed performance this quarter as Fannie boosted earnings and net worth while Freddie saw income drop on reserve adjustments and multifamily delinquencies.
- [Federal Court Halts CFPB’s Open Banking Rule Amid Data Security Concerns](https://themortgagepoint.com/2025/10/30/federal-court-halts-cfpbs-open-banking-rule-amid-data-security-concerns/) - A Kentucky district court has paused implementation of the CFPB’s Personal Financial Data Rights Rule, citing unresolved questions about compliance standards and consumer data protection.
- [In Memoriam: Dr. Cheryl Travis-Johnson of VRM Mortgage Services](https://themortgagepoint.com/2025/10/30/in-memoriam-dr-cheryl-travis-johnson-of-vrm-mortgage-services/) - A trailblazer in mortgage servicing and community empowerment, Dr. Cheryl Travis-Johnson leaves behind a legacy of leadership, integrity, and impact that will continue to guide the industry she helped shape.
- [How Much Could Falling Mortgage Rates Save Over the Lifetime of a Loan? ](https://themortgagepoint.com/2025/10/29/falling-mortgage-rates-could-mean-a-40k-savings-over-the-lifetime-of-loan/) - In a new report, LendingTree revealed how the Fed’s cutting rates and other factors are keeping more money in homeowners’ pockets, and what falling mortgage rates could mean for aspiring buyers.
- [Pending Home Sales Flat in September ](https://themortgagepoint.com/2025/10/29/u-s-pending-home-sales-remained-stagnant-in-september/) - Despite easing mortgage rates and a strong stock market, contract signings plateaued in September, reflecting a cautious housing market and uneven regional trends.
- [Republicans Press HUD for 'Careful Implementation' of Homeless Program Cuts](https://themortgagepoint.com/2025/10/29/republicans-press-hud-for-careful-implementation-of-homeless-program-cuts/) - More than 20 House Republicans have called on HUD to extend critical homelessness grants and prevent funding gaps that could destabilize care for vulnerable populations.
- [Office Conversions Hit Record High as Cities Embrace Adaptive Reuse ](https://themortgagepoint.com/2025/10/28/office-conversions-hit-record-high-as-cities-embrace-adaptive-reuse/) - Conversions soared as developers transformed unused buildings into homes, with three northeastern cities leading the charge.
- [CFPB Reaffirms Federal Preemption of State Credit Reporting Laws](https://themortgagepoint.com/2025/10/28/cfpb-reaffirms-federal-preemption-of-state-credit-reporting-laws/) - By reaffirming that the Fair Credit Reporting Act preempts state laws, the CFPB has reestablished a single national framework for credit data, but critics warn it could limit protections for consumers.
- [Consumers Split on Expected Fed Rate Cut as Borrowing Costs Stay High](https://themortgagepoint.com/2025/10/28/consumers-split-on-expected-fed-rate-cut-as-borrowing-costs-stay-high/) - A new survey finds that most Americans are indifferent, or even frustrated, by the Fed’s expected 25-basis-point rate cut, with many saying it won’t affect their financial lives.
- [Mortgage Rates Hit 2025 Low, Offering Hope for a Sluggish Housing Market](https://themortgagepoint.com/2025/10/28/mortgage-rates-drop-to-their-lowest-point-in-more-than-a-year/) - Due to a decline in 10-year Treasury yields and heightened economic uncertainty brought on by the prolonged federal government shutdown, mortgage rates have dipped to their lowest level in more than a year.
- [Cash Buyers Call the Shots in the First Half of 2025 ](https://themortgagepoint.com/2025/10/27/cash-buyers-call-the-shots-in-the-first-half-of-2025/) - New data shows cash buyers are thriving in 2025, dominating both the high-end luxury and low-priced housing segments as financing costs remain elevated.
- [Mortgage Performance Remains Strong as FHA Foreclosures Edge Higher ](https://themortgagepoint.com/2025/10/27/rise-in-fha-foreclosures-unfazes-positive-mortgage-performance/) - After years of naturally low volumes, foreclosure activity is returning to normal ranges, according to ICE Mortgage Technology’s September 2025 First Look report—which revealed what type of loans are still exhibiting symptoms of significant stress.
- [Fannie Mae Announces New Roles for Two Long-Time Industry Veterans](https://themortgagepoint.com/2025/10/27/fannie-mae-announces-appointment-of-two-long-time-industry-veterans/) - The GSE has announced the promotion of two seasoned industry experts to lead the Single-Family business and General Counsel's office. FHFA Director Bill Pulte called Jake Williamson and Tom Klein “highly respected leaders will help lead the company to increased safety and soundness and accelerated profitability.”
- [FOMC Likely to Deliver Back-to-Back Rate Cuts Amid Data Gaps, Market Pressure](https://themortgagepoint.com/2025/10/27/fomc-likely-to-deliver-back-to-back-rate-cuts-amid-data-gaps-market-pressure/) - With odds favoring another cut, economists say the Fed is balancing uncertainty, inflation, and limited data access as mortgage rates dip near three-year lows.
- [Open Banking Debate Heats Up as CFPB Closes Comment Period on Section 1033](https://themortgagepoint.com/2025/10/27/open-banking-debate-heats-up-as-cfpb-closes-comment-period-on-section-1033/) - While Sen. Cynthia Lummis calls Section 1033 a “bright spot” for financial freedom, critics say the CFPB’s proposed changes could create security risks and disrupt existing fintech connections.
- [Inflation Rate Hits 40-Year High, Affecting Americans Nationwide](https://themortgagepoint.com/2025/10/24/inflation-rate-hits-40-year-high-affecting-americans-nationwide/) - “Inflation edged higher in September, just as the Federal Reserve prepares to lower interest rates again next week in an effort to support a cooling labor market," said Sam Williamson, Senior Economist at First American. “Despite the uptick, the Fed is still expected to prioritize addressing growing signs of labor market softness over further progress against inflation and cut rates at its meeting next week.”
- [Homeowners May Be Forced to Let Go of Low Mortgage Rates, Whether They Want to or Not ](https://themortgagepoint.com/2025/10/24/homeowners-may-be-forced-to-let-go-of-low-mortgage-rates-whether-they-want-to-or-not/) - According to recent data from Realtor.com, the "lock-in effect" may lessen over time when homeowners are forced to sell despite their extremely low mortgage rates due to life events including marriage, divorce, job relocation, and retirement.
- [Home Sales Rebound in September; Inventory Hits Five-Year High](https://themortgagepoint.com/2025/10/23/existing-home-sales-tick-up-in-september/) - Home prices rose for the 27th straight month while inventory hit a five-year high, signaling a stabilizing housing market, with Lawrence Yun, NAR Chief Economist, noting that "Improving housing affordability is also contributing to the increase in sales.”
- [CFPB’s Uncertain Future Could Redefine Open Banking and Competition](https://themortgagepoint.com/2025/10/22/cfpbs-uncertain-future-could-redefine-open-banking-and-mortgage-competition/) - As the Bureau faces potential dissolution, its open banking rule and HMDA reforms could reshape how lenders, fintechs, and credit unions handle consumer financial data.
- [Fannie Mae Reshapes Executive Team: Peter Akwaboah to Serve as Acting CEO](https://themortgagepoint.com/2025/10/22/fannie-mae-reshapes-executive-team-peter-akwaboah-to-serve-as-acting-ceo/) - Veteran executive Peter Akwaboah assumes the role of Acting CEO, while John Roscoe and Brandon Hamara are promoted to Co-Presidents to drive stability and growth.
- [Higher Risk, Higher Reward: Data and Automation Strategies Improve Investors’ Yields on Home Equity Portfolios](https://themortgagepoint.com/2025/10/22/higher-risk-higher-reward-data-and-automation-strategies-improve-investors-yields-on-home-equity-portfolios/) - With home equity lending on the rise, investors are turning to AI-driven diligence, automation, and blockchain strategies to manage risk and unlock higher yields.
- [Are the First Brands and Tricolor Collapses a ‘Canary in the Coal Mine’?](https://themortgagepoint.com/2025/10/24/are-the-first-brands-and-tricolor-collapses-a-canary-in-the-coal-mine/) - Bank of England Governor Andrew Bailey and JPMorgan CEO Jamie Dimon warn that the bankruptcies of First Brands and Tricolor could signal deeper instability in private credit markets.
- [Report: Tens of Thousands of NYC Affordable Homes at Risk of Losing Protections](https://themortgagepoint.com/2025/10/24/report-tens-of-thousands-of-nyc-affordable-homes-at-risk-of-losing-protections/) - Advocates warn that nearly 170,000 NYC homes are approaching the end of affordability restrictions, threatening decades of housing investment and stability.
- [Equity Levels Cool in Q3 With Underwater Properties on the Rise ](https://themortgagepoint.com/2025/10/23/q3-home-equity-rates-slide-downward/) - After years of rapid equity growth, new data from ATTOM shows a gradual cooling across most states, with fewer homeowners sitting on deep equity.
- [How Many More Fed Rate Cuts Expected Amid Data Blackout?](https://themortgagepoint.com/2025/10/23/how-many-more-fed-rate-cuts-expected-amid-data-blackout/) - Despite limited federal data during the shutdown, here’s what economists are forecasting as the Fed aims to support growth.
- [Distressed Property Volume Climbs as Investor Demand Softens](https://themortgagepoint.com/2025/10/23/distressed-property-volume-climbs-as-investor-demand-softens/) - Foreclosure and REO auction volumes rose sharply in Q3 2025, but buyer participation and bids declined amid rising costs and recession fears.
- [Climate Disasters Strain State FAIR Plans, Raising Questions About Insurance Reform](https://themortgagepoint.com/2025/10/22/climate-disasters-strain-state-fair-plans-raising-questions-about-insurance-reform/) - As wildfires, floods, and storms intensify, FAIR plans face mounting financial risk, and experts say reforms are critical to keep coverage affordable and available.
- [Housing Groups Call for Federal Intervention to Close Mortgage Rate Gap](https://themortgagepoint.com/2025/10/22/housing-groups-call-for-federal-intervention-to-close-mortgage-rate-gap/) - Community lenders propose targeted Treasury and FHFA action to reduce the spread and restore affordability to strained mortgage markets.
- [MBA Warns of Years of Elevated Mortgage Rates for Years to Come  ](https://themortgagepoint.com/2025/10/21/mba-warns-of-years-of-elevated-mortgage-rates-for-years-to-come/) - Despite expected Fed cuts, economists say high government debt and sticky inflation will keep long-term yields and borrowing costs stubbornly high.
- [Supreme Court Rebuffs FAPA Appeal, Shifting Spotlight to New York Courts ](https://themortgagepoint.com/2025/10/21/with-implications-for-the-fapa-u-s-supreme-court-rejects-petition-for-certiorari/) - The U.S. Supreme Court’s refusal to review the Fox judgment keeps uncertainty alive over whether New York’s Foreclosure Abuse Prevention Act applies retroactively—a key issue for lenders, borrowers, and servicers.
- [FHFA Director Suggests Fannie Mae, Freddie Mac Could Go Public by Year’s End](https://themortgagepoint.com/2025/10/21/u-s-government-update-gse-chief-teases-ipo/) - Director Bill Pulte says President Trump is “evaluating an offering” for the GSEs, signaling renewed momentum for privatization after years of government conservatorship.
- [Legal League Webinar to Tackle New Challenges in Foreclosure Litigation](https://themortgagepoint.com/2025/10/21/legal-league-webinar-to-tackle-new-challenges-in-foreclosure-litigation/) - Industry attorneys and servicers will unpack the latest tactics, HELOC statute-of-limitations issues, and pro se lawsuits in a must-attend Legal League session.
- [Watchdog Group Accuses FHFA of Withholding Records](https://themortgagepoint.com/2025/10/21/watchdog-group-accuses-fhfa-of-withholding-records/) - Democracy Forward is seeking the release of records tied to alleged political misuse of mortgage data in criminal referrals against several public officials, including New York AG Letitia James.
- [Fed, OCC, and FDIC Roll Back Climate Risk Rules Amid Policy Shifts ](https://themortgagepoint.com/2025/10/20/regulations-forcing-banks-to-prepare-for-climate-change-repealed-by-u-s-authorities/) - Regulators recently announced they were repealing controversial rules that forced banks to account for losses in the event of climate-related disasters. But the changes have drawn criticism from some, including Fed Governor Michael Barr.
- [Cooling Market Gives Homebuyers the Upper Hand ](https://themortgagepoint.com/2025/10/20/buyers-score-more-discounts-as-sluggish-market-affects-homebuying-activity/) - A lackluster housing market has given homebuyers the ability to negotiate, with new Redfin data showing the average property sold last month for less than its final list price—representing the largest September reduction in six years.
- [Regulators Outline Rules for Flood Zone Lending During NFIP Suspension](https://themortgagepoint.com/2025/10/20/regulators-outline-rules-for-flood-zone-lending-during-nfip-suspension/) - Even without federal authorization, agencies are allowing loans to continue, with strong cautions about legal and safety risks for lenders.
- [Survey Reveals the Realities Facing Today’s Real Estate Agents](https://themortgagepoint.com/2025/10/20/survey-reveals-the-realities-facing-todays-real-estate-agents/) - A new industry report highlights what’s driving agents in 2025, from earnings potential and AI adoption to optimism about the market ahead.
- [Goldman Sachs: Is a Growing ‘Financial Vortex’ In Our Midst?](https://themortgagepoint.com/2025/10/20/goldman-sachs-weighs-in-is-a-growing-financial-vortex-in-our-midst/) - A new report from Goldman Sachs finds rising costs in housing, health care, and education are straining Americans’ ability to save, fueling fears of a widening financial crisis.
- [Builder Expectations on the Rise Despite Market Difficulties ](https://themortgagepoint.com/2025/10/17/builder-expectations-increase-in-october-despite-market-difficulties/) - For the first time since last January, future sales estimates exceeded the 50-point breakeven point in October, indicating a strong increase in sentiment levels despite builders' ongoing struggles with market and macroeconomic uncertainty.
- [Government Shutdown Threatens Real-Estate-Heavy State Economies](https://themortgagepoint.com/2025/10/17/shutdown-strains-real-estate-driven-states-a-warning-shot-for-broader-growth/) - Florida, Arizona, and other housing-driven states could face ripple effects as federal services halt, testing the resilience of local markets and investor confidence.
- [Credit Quality Concerns Ripple Through Banking Sector](https://themortgagepoint.com/2025/10/17/credit-quality-concerns-ripple-through-banking-sector/) - Warnings from major lenders and analysts, including JPMorgan’s Jamie Dimon, signal mounting worries over credit quality and potential ripple effects on mortgages.
- [Home-Sale Profit Margins Hit Level Highest in Over a Year ](https://themortgagepoint.com/2025/10/17/q3-home-sales-profits-jump-to-a-margin-of-nearly-50/) - “Profit margins remained steady and high throughout the traditionally busier summer selling season,” said Rob Barber, CEO of ATTOM. “While continuously rising prices could have chased away buyers and slackened demand, the recent dip in mortgage rates may be helping to keep more people in the market.”
- [Peoples Bank to be Acquired by Cornerstone Capital Bank](https://themortgagepoint.com/2025/10/17/peoples-bank-to-be-acquired-by-cornerstone-capital-bank/) - The deal marks Cornerstone’s first major acquisition since 2022, boosting deposits, scale, and mortgage capacity across the fast-growing Texas market.
- [The Great Flip: Renting Beats Buying Across Major U.S. Markets](https://themortgagepoint.com/2025/10/16/the-great-flip-renting-beats-buying-across-major-u-s-markets/) - A new report finds 39 of the 50 largest metro areas flipped since 2021 as rising mortgage rates and record home prices made renting the better deal nationwide.
- [Home Prices Near Record Highs as Affordability Hits New Lows](https://themortgagepoint.com/2025/10/16/home-prices-near-record-highs-as-affordability-hits-new-lows/) - The gap between home prices and household incomes continues to widen, leaving millions of would-be buyers priced out of homeownership in many metros.
- [FHFA Outlines Five-Year Plan to Strengthen Oversight and Efficiency](https://themortgagepoint.com/2025/10/16/fhfa-outlines-five-year-plan-to-strengthen-oversight-and-efficiency/) - The agency’s 2026–2030 Strategic Plan targets safety and soundness for Fannie Mae, Freddie Mac, and the FHLBank system, while aiming to streamline federal housing operations.
- [FHLBank Indianapolis Offers Disaster Relief for Storm, Flood Victims](https://themortgagepoint.com/2025/10/16/fhlbank-indianapolis-offers-disaster-relief-for-storm-flood-victims/) - The bank’s Disaster Relief Program provides grants to help repair homes damaged by spring storms and summer flooding across dozens of Indiana counties.
- [CFPB Shutdown Plan Sparks Legal Battles and Industry Uncertainty](https://themortgagepoint.com/2025/10/16/cfpb-shutdown-plan-sparks-legal-battles-and-industry-uncertainty/) - With Russell Vought stating that the consumer watchdog’s days are numbered, lawsuits, layoffs, and political fights are underway as the mortgage world weighs what comes next.
- [Bill Proposed to Protect Federal Employees From Shutdown-Related Foreclosures, Evictions ](https://themortgagepoint.com/2025/10/15/bill-proposed-to-protect-federal-employees-from-shutdown-related-foreclosures-evictions/) - "Right now, hundreds of thousands of federal workers, federal contractor employees, and their families don’t know whether they’ll be able to pay rent and make ends meet," said Sen. Brian Schatz, D-Hawaii, in a statement. "Our bill will protect these workers and make sure they aren’t harmed during this shutdown."
- [Existing-Home Market Shows Signs of Recovery](https://themortgagepoint.com/2025/10/15/existing-home-market-shows-signs-of-recovery/) - Marriage, growing families, changing jobs, and divorce are among the life events that have fueled the housing market's recovery and return to normal, according to a new analysis, with sales activity ticking up slightly as mortgage rates have softened and affordability has improved.
- [HUD Eyes Overhaul of Reverse Mortgage System, Seeks Comment](https://themortgagepoint.com/2025/10/15/hud-eyes-overhaul-of-reverse-mortgage-system-seeks-comment/) - Facing a sharp drop in participation, HUD and Ginnie Mae are reevaluating how their reverse mortgage and mortgage-backed securities programs can better help senior homeowners tap into home equity.
- [The Best Month for Homebuyers May be Drawing Near](https://themortgagepoint.com/2025/10/15/the-best-month-for-homebuyers-may-be-drawing-near/) - A new analysis shows that homebuyers who purchase during one overlooked month save thousands compared to peak buying season.
- [Powell: Fed Could Soon Slow Balance Sheet Runoff](https://themortgagepoint.com/2025/10/15/powell-fed-could-soon-slow-balance-sheet-runoff/) - Powell told economists the Fed may be nearing a “somewhat ample” reserve level, suggesting an end to balance sheet reduction could be close.
- [Smaller Homes, Bigger Prices: New-Home Costs on the Rise](https://themortgagepoint.com/2025/10/14/smaller-homes-bigger-prices-new-home-costs-on-the-rise/) - From 2014 to 2024, new homes got smaller across most U.S. regions, but prices per square foot skyrocketed nationwide, highlighting growing affordability pressures.
- [Craig Trainor Confirmed as HUD Assistant Secretary](https://themortgagepoint.com/2025/10/14/hud-gets-a-new-leader-and-it-could-mean-big-things-for-lenders/) - Recently confirmed by the U.S. Senate, Craig Trainor brings a strong policy and enforcement background to HUD, potentially reshaping how the agency approaches fair housing and mortgage compliance.
- [Study: One in Three Older Households Is Cost Burdened](https://themortgagepoint.com/2025/10/14/one-in-three-older-households-is-cost-burdened/) - In 2023, over one-third (34%) of older households were cost burdened, paying more than 30% of their income for housing, per the Joint Center for Housing Studies’ recently released housing affordability report, State of the Nation’s Housing 2025. (Older households are defined as those led by someone age 65 or over.) This 34% is a
- [Washington Supreme Court Ruling Could Reopen Foreclosure Judgments After Bankruptcy](https://themortgagepoint.com/2025/10/14/washington-supreme-court-ruling-could-reopen-foreclosure-judgments-after-bankruptcy/) - The court’s decision in Luv v. West Coast Servicing gives mortgage servicers a new legal pathway to revisit previously finalized foreclosure cases when the law was unsettled.
- [Five Star's Ed Delgado to Head Industry Panel at NPPC25](https://themortgagepoint.com/2025/10/13/five-stars-ed-delgado-to-head-industry-panel-at-nppc25/) - Five Star Global Chairman Emeritus Ed Delgado will host a “State of the Mortgage Industry” panel at NPPC25 alongside executives from Fannie Mae, Rocket Mortgage, U.S. Bank, and more.
- [Former Fed Governor Larry Lindsey Drops Out of Running for Fed Chair ](https://themortgagepoint.com/2025/10/13/government-news-larry-lindsey-former-fed-governor-withdraws-nomination-as-fed-chair/) - Former U.S. Federal Reserve Governor Larry Lindsey has removed his name from consideration for the Fed Chair post, saying, "I have a very full, varied, and enjoyable life right now that I don’t want to give up to go through the mill of public life."
- [Home Price Growth Ticks Up After Eight Months of Stagnation](https://themortgagepoint.com/2025/10/13/home-price-growth-ticks-up-after-eight-months-of-stagnation/) - According to the ICE Home Price Index, home price growth reversed direction in September, after falling for eight months previously. Here's what else the latest data reveals.
- [Government Shutdown Puts USDA Home Loans on Hold](https://themortgagepoint.com/2025/10/13/government-shutdown-puts-usda-home-loans-on-hold/) - While FHA and VA loans continue processing, USDA-backed mortgages are frozen due to staff furloughs, leaving rural and low-income homebuyers waiting for approvals.
- [Treasury Confirms Major Layoffs at CDFI Fund](https://themortgagepoint.com/2025/10/13/treasury-confirms-major-layoffs-at-cdfi-fund/) - Industry leaders warn that cutting the CDFI Fund staff could halt access to capital for low-income borrowers and Native American lenders nationwide.
- [Report Reveals Which U.S. State Economies Are Nearing Recession ](https://themortgagepoint.com/2025/10/10/report-reveals-which-u-s-economies-are-nearing-recession/) - "State-level data makes it clear why the U.S. economy is on the edge of recession," wrote Mark Zandi, Moody’s Chief Economist, in a post on X.
- [FHFA, Senate Democrats Clash Over Fannie and Freddie Transparency ](https://themortgagepoint.com/2025/10/10/pulte-rejects-democrats-demand-for-transparency/) - Sen. Elizabeth Warren and colleagues urged details on possible GSE reprivatization, but FHFA Chair Pulte says the board is meeting regularly and exempt from disclosure rules.
- [Mortgage Fraud Index Climbs for Second Straight Quarter](https://themortgagepoint.com/2025/10/10/mortgage-fraud-index-climbs-for-second-straight-quarter/) - Fraud risk climbed across most loan types, led by investment and refinance activity. Two northeastern states top the list of those at the highest risk.
- [Foreclosure Starts Tick Up, Delinquencies Steady in Latest FHFA Report](https://themortgagepoint.com/2025/10/10/foreclosure-starts-tick-up-delinquencies-steady-in-latest-fhfa-report/) - FHFA reports steady mortgage performance and a modest rise in forbearance activity as Enterprises continue foreclosure prevention efforts.
- [FOMC Expressed Concern About Housing, Economy Before Rate Cut](https://themortgagepoint.com/2025/10/10/fomc-expressed-concern-about-housing-economy-before-rate-cut-minutes-show/) - Meeting minutes show Fed officials saw growing risks in housing and commercial real estate before approving last month’s rate cut.
- [What Americans Really Think About the Housing Market’s Future](https://themortgagepoint.com/2025/10/07/fannie-mae-national-housing-survey-reveals-consumer-sentiment-for-the-future/) - Fannie Mae’s latest National Housing Survey suggests sentiment is shifting in ways that could reshape demand heading into 2026.
- [Top Democrats File Brief to Block Trump’s CFPB Shutdown](https://themortgagepoint.com/2025/10/07/warren-schumer-waters-file-brief-opposing-cfpb-shutdown/) - Warren, Schumer, and Waters argue in court that dismantling the Bureau is unconstitutional and threatens consumer protections.
- [Trump Vows to ‘Unleash’ Homebuilders to Restore the American Dream ](https://themortgagepoint.com/2025/10/06/restoring-the-american-dream-trumps-promise-to-unleash-lots-for-new-home-construction/) - Amid heightened housing demand, President Donald Trump has pledged to collaborate with builders to start building new homes as part of his aim to "restore the American dream," calling on mortgage giants Freddie Mac and Fannie Mae to "get Big Homebuilders going" in a Truth Social post.
- [Jonathan McKernan Confirmed for Treasury Role](https://themortgagepoint.com/2025/10/08/examining-the-latest-trump-admin-move/) - Former FDIC official Jonathan McKernan joins the Trump administration’s Treasury team as Under Secretary for Domestic Finance, following Senate confirmation.
- [Letitia James Indicted for Alleged Mortgage Fraud](https://themortgagepoint.com/2025/10/09/letitia-james-indicted-for-alleged-mortgage-fraud/) - A federal grand jury has charged the New York Attorney General with alleged bank fraud tied to a 2020 mortgage on a Virginia property.
- [GAO Warns FEMA Staffing Crisis Could Hamper U.S. Disaster Response](https://themortgagepoint.com/2025/10/09/fema-faces-critical-staffing-shortages-as-hurricane-season-intensifies/) - The GAO warns that ongoing attrition and leadership gaps could undermine FEMA’s ability to manage multiple disasters this year.
- [Foreclosure Activity Continues Slow Annual Climb ](https://themortgagepoint.com/2025/10/09/q3-foreclosure-activity-experiences-annual-increases/) - ATTOM's Q3 2025 U.S. Foreclosure Market Report has announced the share of U.S. homes that had foreclosure filings in the third quarter of 2025, showing decreases from the previous quarter and rises from the same period last year.
- [FDIC, OCC Issue Notice of Proposed Rulemaking on Reputational Risk](https://themortgagepoint.com/2025/10/09/fdic-occ-issue-notice-of-proposed-rulemaking-on-reputational-risk/) - A new joint rulemaking aims to eliminate the use of reputational risk as grounds for regulatory criticism or account restrictions, following an executive order on fair banking access.
- [Embracing Market Discomfort: Insights from Frederick Golding](https://themortgagepoint.com/2025/05/07/embracing-market-discomfor-insights-frederick-golding/) - The mortgage industry is no stranger to change. With evolving market dynamics, professionals are often faced with uncertainty and the need to adapt swiftly. In our latest episode of the MP Access Show, we had the pleasure of speaking with Frederick Golding, who shared his expertise on navigating these challenges.
- [States Across the U.S. Pass Sweeping Housing Reforms in 2025](https://themortgagepoint.com/2025/10/08/states-across-the-u-s-pass-sweeping-housing-reforms-in-2025/) - Bipartisan coalitions in red and blue states alike are reshaping zoning, parking, and building codes to expand housing supply and lower costs.
- [Pulte Says No Definitive Plans for Fannie, Freddie IPOs](https://themortgagepoint.com/2025/10/08/pulte-says-no-definitive-plans-for-fannie-freddie-ipos/) - Despite speculation of an imminent IPO, FHFA Director Bill Pulte said President Trump has made no decisions on relisting the mortgage giants or selecting lead banks for the offering.
- [Fifth Third to Acquire Comerica, Creating Nation’s Ninth-Largest Bank](https://themortgagepoint.com/2025/10/08/fifth-third-to-acquire-comerica-creating-nations-ninth-largest-bank/) - The combined bank will have nearly $288 billion in assets and operate in 17 of the 20 fastest-growing U.S. markets, pending regulatory approval.
- [Equifax Slashes VantageScore 4.0 Pricing to Undercut FICO](https://themortgagepoint.com/2025/10/08/equifax-slashes-vantagescore-4-0-pricing-to-undercut-fico/) - Equifax cuts VantageScore 4.0 prices and offers free access through 2026, escalating competition with FICO’s new direct-licensing model.
- [Metro Growth Threatened as Immigration Declines](https://themortgagepoint.com/2025/10/07/metro-growth-threatened-as-immigration-declines-sharply/) - With border encounters falling and fewer arrivals, many U.S. metro areas risk slower population growth, shrinking household demand, and weaker housing markets.
- [Housing Market Faces Strain Amid Federal Government Shutdown](https://themortgagepoint.com/2025/10/07/u-s-housing-the-potential-impacts-of-the-government-shutdown/) - With thousands of federal workers missing paychecks and agencies halting operations, experts warn that loan processing, housing aid, and rental assistance could all stall if the shutdown drags on.
- [U.S. Considers IPO Path for Fannie Mae and Freddie Mac](https://themortgagepoint.com/2025/10/07/u-s-weighs-fannie-mae-freddie-mac-ipos/) - A move that could reshape the nation’s $12 trillion mortgage market is reportedly back on the table. Here’s what it might mean for lenders and borrowers alike.
- [Where Are the Top 10 Best Metros for First-Time Homebuyers? ](https://themortgagepoint.com/2025/10/06/where-are-the-10-best-metros-for-first-time-buyers/) - The Midwest reigns supreme in Neighbors Bank’s analysis, revealing the best metros for first-time homebuyers in 2025. Here's what else the report reveals.
- [FICO Reshapes Access to Mortgage Credit Scores](https://themortgagepoint.com/2025/10/06/fair-isaac-unveils-direct-licensing-model-for-mortgage-credit-scores/) - The analytics giant's new direct-licensing model is aimed at bringing more transparency, and possibly competition, to the mortgage credit ecosystem.
- [Declining Rates Drive Best Homebuying Affordability in Nearly Three Years](https://themortgagepoint.com/2025/10/06/declining-rates-drive-best-homebuying-affordability-in-nearly-three-years/) - According to the latest ICE Mortgage Monitor Report, as rates have eased, homebuyers’ monthly payment burdens are dropping, providing breathing room unseen since early 2023.
- [D.R. Horton, DHI Mortgage Sued Over Alleged Hidden Costs](https://themortgagepoint.com/2025/10/06/d-r-horton-dhi-mortgage-accused-of-misleading-buyers-with-suppressed-monthly-payments/) - The class action lawsuit alleges “suppressed” payments were used to lure buyers into deals that proved much costlier than promised, leading to "payment shock."
- [Survey: Real Estate Professionals Optimistic of Mortgage Landscape](https://themortgagepoint.com/2025/10/03/perspectives-offered-on-client-expectations-market-changes-the-effect-of-ai/) - A new survey found that nearly half of real estate professionals surveyed anticipate expanding their client base within the next six to 12 months, indicating a boost in business as rates steadily decline.
- [Q2 Commercial and Multifamily Mortgage Debt Outstanding Jumps](https://themortgagepoint.com/2025/10/03/q2-commercial-and-multifamily-mortgage-debt-outstanding-jumps/) - In Q2 of 2025, the amount of outstanding commercial and multifamily mortgage debt rose by $47.1 billion. More is discussed in the latest report from the Mortgage Bankers Association.
- [What Rent Concessions Do Tenants Really Want?](https://themortgagepoint.com/2025/10/03/what-rent-concessions-do-tenants-really-want/) - Rent concessions can be enticing to bring new tenants in and prevent good ones from leaving. A new study examines the tactics landlords are offering to attract potential renters.
- [New Bill Aims to Unlock Underused Land for Affordable Housing ](https://themortgagepoint.com/2025/10/03/new-bill-aims-to-unlock-underused-land-for-affordable-housing/) - The Yes in God’s Back Yard Act was drafted to help faith-based organizations and institutions of higher education transform underused property into affordable housing.
- [Luxury Home Sales Hit 10-Year August Low](https://themortgagepoint.com/2025/10/03/luxury-home-sales-hit-10-year-august-low/) - Home sales slowed across the board in August, with the luxury market mirroring the broader downturn, according to a new study.
- [Government Shutdown’s Ripple Effect on Housing ](https://themortgagepoint.com/2025/10/02/government-shutdowns-ripple-effect-on-the-housing-space/) - As the government impasse continues through its second day, the impact on the housing and homebuilding markets will depend on the duration of the shutdown, as Republicans and Democrats remain at odds over a funding package.
- [Sellers Adjust Prices to Draw in Homebuyers](https://themortgagepoint.com/2025/10/02/sellers-adjust-prices-to-draw-in-homebuyers/) - Due to increased inventory giving buyers more negotiation power, the prices of nearly one in five properties were lowered in September. More will be covered in the latest report from Realtor.com.
- [Could Merging Fannie and Freddie Be Hazardous to Housing Finance? ](https://themortgagepoint.com/2025/10/02/why-keeping-fannie-mae-and-freddie-mac-separate-should-still-be-a-priority/) - As the Trump administration considers the future of the housing finance giants, industry leaders argue that merging the two could weaken innovation, reduce consumer benefits, and heighten risk.
- [Congresswoman Waters Sounds Off](https://themortgagepoint.com/2025/10/02/congresswoman-waters-sounds-off/) - Reports that Russell Vought is thinking of putting CFPB staff on furlough during the government shutdown have alarmed Rep. Maxine Waters.
- [FICO Launches Direct License Program for Mortgage Lenders](https://themortgagepoint.com/2025/10/02/fico-launches-direct-license-program-for-mortgage-lenders/) - Credit scoring giant’s new direct-to-reseller license approach aims to streamline credit score access, allowing mortgage lenders to calculate and distribute FICO scores directly to borrowers.

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- [Company Profile: Total Expert](https://themortgagepoint.com/company-profile-total-expert/) - Total Expert www.totalexpert.com As it becomes more complex for lenders to build connections with customers in the digital age, Total Expert is humanizing the customer journey with deeper data insights and intelligent automation capabilities purpose-built for modern lenders. Its Customer Intelligence product analyzes data from multiple sources to identify key life events and intent signals, helping
- [Company Profile: Xactus](https://themortgagepoint.com/company-profile-xactus/) - Xactus www.xactus.com A leader in verification technology, Xactus is revolutionizing the mortgage industry with Intelligent Verification—a new class of technology designed to transform many manual processes into dynamically configurable workflows. Xactus360, its industry-first Intelligent Verification PlatformSM, integrates with existing LOS and POS systems to help lenders realize enhanced decisioning and greater efficiency. Xactus is committed
- [Company Profile: Veros](https://themortgagepoint.com/company-profile-veros/) - Veros Real Estate Company (Veros®) www.veros.com Veros Real Estate Solutions (Veros®) leverages predictive technology, sophisticated data analytics, and industry expertise to deliver advanced technological solutions that are integral to managing property valuation risk and increasing profits throughout the housing finance industry. In 2024, Veros partnered with a key government agency to develop iVALUATION, a powerful platform
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- [Company Profile: Valligent](https://themortgagepoint.com/company-profile-valligent/) - Valligent www.valligent.com Valligent, a Veros Software company, is transforming real estate finance by blending advanced technology with industry expertise. Offering solutions like automated valuation models, virtual valuations, and traditional appraisals, Valligent meets the evolving needs of the market. In 2024, Valligent launched the 1004D Virtual Completion Certificate, speeding up verification of appraisal report conditions for construction
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- [Company Profile: REPAY](https://themortgagepoint.com/company-profile-repay/) - REPAY www.repay.com​ Mortgage payment execution management relies heavily on manual intervention, posing challenges like human error and excessive resource investment. Automating these processes helps mortgage servicers save time and money by reducing manual tasks, minimizing errors, and streamlining workflows. When a borrower sends a paper check with a mismatched coupon amount, the funds are placed in
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- [Company Profile: Paradatec](https://themortgagepoint.com/company-profile-paradatec/) - Paradatec www.paradatec.com Paradatec’s award-winning AI-Cloud platform transforms the lending lifecycle by automating mortgage data processing with unmatched accuracy. It classifies over 975 document types, extracts more than 9,500 data points, and cross-checks extracted data against other data sources. Clients can modify and add business rules in Paradatec’s Analytics engine, which triggers data evaluation rules based on
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- [Sponsored Content](https://themortgagepoint.com/mediakit/sponsored-content/) - Sponsored Content At Five Star, we don‘t just provide digital outlets for publication; our advertisers’ content can be featured in various publications through native advertising. Published as Paid Content In addition to an article, provide up to 100-125 words for author or company profile, including link within content Dedicated landing page POSITION INVESTMENT BOTH CONTACT
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- [MP5](https://themortgagepoint.com/mediakit/mp5/) - MP5 Podcast by Mortgage Point Focusing on insightful, educational, and collaborative content, we go beyond the mechanics of individual mortgages. We strive to be the conduit that connects industry professionals and facilitates impactful conversations, innovations, and strategies with the unified objective of bettering the mortgage industry. Why Listen? Expert Interviews: Gain unparalleled access to industry
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- [Five Star Webinar Series](https://themortgagepoint.com/mediakit/five-star-webinar-series/) - Five Star Webinar Series This is your chance to seize the spotlight and showcase your company as a host for the highly-regarded Five Star webinar series! Featuring experts in their fields, this series offers you the opportunity to place yourself at the forefront of industry discussions on topics, trends, and challenges. Your brand will be
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- [Digital Advertising](https://themortgagepoint.com/mediakit/digital-advertising/) - Digital Advertising Pricing Enjoy competitive pricing on run-of-site campaigns. In addition, our marketing team can strategize and create custom-tailored campaigns that fit precisely with what you need-targeting viewers or displaying ads on specific pages. MINIMUM 50,000 IMPRESSIONS RUN OF SITE PREMIUM
- [Anniversary Book](https://themortgagepoint.com/mediakit/anniversary-book/) - Anniversary Book We want to help you spread the word and celebrate your company’s anniversary! It’s been a challenging few years in our industry. Reinforce your brand by announcing your strength and resiliance through the trying times. Our June issue will feature a unique opportunity to recognize your company’s milestone. We provide the questions. You
- [Five Star Audience (Continued)](https://themortgagepoint.com/mediakit/five-star-audience-2/) - Five Star Audience (Continued) Demographic 35-44 24% of all audience Socioeconomics 66% Full-Time Employment 46% College Degree or Higher 43% Household Size: 3-4 persons Top 5 Interests 97% Finance 96% Computer Software & Development 96% Real Estate 95% Education 90% Government
- [Five Star Webinar Series (Continued)](https://themortgagepoint.com/mediakit/five-star-webinar-series-continued/) - Five Star Webinar Series (Continued) 100% DIGITAL, 100% DELIGHT: PRIORITIZING CUSTOMERS IN THE DIGITAL ERA July 25, 2023 Smart lending strategies combine cutting-edge technology with exceptional customer service. Join Five Star and DocMagic for a conversation and demonstration of successful digital implementation that supports a core focus on personalized service to customers. We’ll explore how
- [Five Star Institute](https://themortgagepoint.com/mediakit/five-star-institute/)
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- [Journey Through Time: The Evolution of MortgagePoint & Five Star](https://themortgagepoint.com/journey-through-time-the-evolution-of-mortgagepoint-five-star/) - Journey Through Time The Evolution Of MortgagePoint and Five Star Welcome to our timeline, a journey through the evolution of MortgagePoint and Five Star Institute. You’ll discover our rich heritage in empowering mortgage industry professionals with comprehensive, timely, and accessible information. You’ll witness the transformation of DS News and MReport into MortgagePoint, a unified platform
- [Join the MortgagePoint Community: Subscribe to MortgagePoint](https://themortgagepoint.com/join-the-mortgagepoint-community-subscribe-to-mortgagepoint/) - Subscribe to MortgagePoint Join the MortgagePoint Community Welcome to the comprehensive suite of email blasts from MortgagePoint – your go-to source for all things mortgage. Our range of curated email blasts is designed to keep you informed and ahead in the industry. Start your day with the daily insights from MP Daily, get a weekly
- [About Us](https://themortgagepoint.com/about-us/) - Think of MortgagePoint as your knowledgeable yet approachable colleague in the industry. We are formal but not distant, expert yet accessible.
- [Terms and Conditions](https://themortgagepoint.com/terms-and-conditions/) - Terms and Conditions These terms and conditions outline the rules and regulations for the use of Five Star Global LLC’s website, located at TheMortgagePoint.com. By accessing this website, we assume you accept these terms and conditions. Do not continue to use TheMortgagePoint.com if you do not agree to take all of the terms and conditions
- [MP Access Show](https://themortgagepoint.com/mp-access-show/) - The MP Access Show Welcome to The MP Access Show, your go-to hub for engaging, educational, and collaborative content tailored for mortgage industry professionals. Hosted by Robert Wilson, Vice President of Experience for Five Star, our mission is to make complex topics simple and provide you with clear, actionable, and enlightening content. Explore Our Podcast
- [MP Access Show Promo Block](https://themortgagepoint.com/mp-access-show-promo-block/) - MP Access Show An Insightful Expedition: MP Access Show Delve into the world of mortgage trends and industry insights with our MP Access Show. Join us as we uncover the intricacies of the mortgage industry, one episode at a time. Discover More MP Access Show Your Gateway to Mortgage Industry Insights The MP Access Show
- [MortgagePoint Launch Page](https://themortgagepoint.com/landing/) - MortgagePoint's mission is to provide a unified platform with the latest news, data, and insights in the mortgage industry, empowering professionals to make informed decisions and stay ahead of market trends.
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## Publications

- [Mortgage Point June 2026](https://themortgagepoint.com/publications/mortgage-point-june-2026/)
- [MorgagePoint May 2026](https://themortgagepoint.com/publications/morgagepoint-may-2026/)
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- [DS News December 2022](https://themortgagepoint.com/publications/ds-news-december-2022/)
- [DS News November 2022](https://themortgagepoint.com/publications/ds-news-november-2022/)
- [DS News October 2022](https://themortgagepoint.com/publications/ds-news-october-2022/)
- [DS News September 2022](https://themortgagepoint.com/publications/ds-news-september-2022/)
- [REO Red Book 2022](https://themortgagepoint.com/publications/reo-red-book-2022/)

## Podcasts

- [MP Access - Mortgage Moves: Smarter Homebuying in Today’s Market | Solomon Skolnick](https://themortgagepoint.com/podcast/mortgage-moves-smarter-homebuying/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Real Estate Investing Strategies with Keith Stone](https://themortgagepoint.com/podcast/real-estate-investing-strategies/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Property Preservation: Challenges and Innovations | Amanda Koontz](https://themortgagepoint.com/podcast/property-preservation-challenges-and-innovations/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - US Housing Market Correction Analysis | Daren Blomquist](https://themortgagepoint.com/podcast/us-housing-market-correction-analysis/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Mortgage Servicing: Innovation & Homeowner Support | Michael Keaton](https://themortgagepoint.com/podcast/mortgage-servicing-innovation-homeowner-support/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Bankruptcy Trends and Servicer Challenges | Dagoberto Hernandez](https://themortgagepoint.com/podcast/bankruptcy-trends-servicer-challenges/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Risk Management and AI in Banking | Shayna Arrington](https://themortgagepoint.com/podcast/risk-management-and-ai-in-banking/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access - Trust, Technology, and Better Servicing | Wes Iseley](https://themortgagepoint.com/podcast/trust-technology-better-servicing/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [Market Trends and Lending Insights with Patrick Journy](https://themortgagepoint.com/podcast/market-trends-and-lending-insights/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [MP Access Show: Housing Affordability, Supply, and Regulation With Joseph Gyourko](https://themortgagepoint.com/podcast/housing-affordability-supply-vs-regulation/) - Joseph Gyourko, a professor at the Wharton School, joins the MP Access Show podcast to discuss his research on institutional investors in the single-family rental market. Tune in to learn which factors Gyourko pinpoints as primary barriers to increasing housing stock.
- [Finding the X Factor in Leadership with Joe Lara](https://themortgagepoint.com/podcast/finding-the-x-factor-in-leadership/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [Dr. Selma Hepp on What’s Really Happening in the U.S. Housing Market](https://themortgagepoint.com/podcast/whats-happening-in-us-housing-market/) - In this edition of the MP Access Show, Dr. Selma Hepp, a leading housing economist from Cotality, discusses the complex interplay of housing prices, demand, and inventory, highlighting regional variations and the persistent affordability challenges impacting home sales nationwide.
- [Foreclosure Litigation Trends and Strategies w/ Clayton Gordon](https://themortgagepoint.com/podcast/foreclosure-litigation-trends-and-strategies/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [Housing Affordability: Policy and Production](https://themortgagepoint.com/podcast/housing-affordability-policy-production/) - Edward Pinto, a housing policy expert, discusses critical factors impacting housing affordability and production.
- [Navigating REO Properties](https://themortgagepoint.com/podcast/navigating-reo-properties/) - Expert Caroline Gimwalks us through her REO journey and shares practical tips for handling challenging situations in the evolving California real estate market.
- [Big Picture Thinking in a High-Pressure Industry](https://themortgagepoint.com/podcast/big-picture-thinking-in-high-pressure-industry/)
- [Deals, People, and the Future of Real Estate](https://themortgagepoint.com/podcast/deals-people-and-future-real-estate/)
- [Insights into the Mortgage Market](https://themortgagepoint.com/podcast/insights-into-mortgage-market/)
- [Understanding Foreclosure Law: Key Insights and Challenges](https://themortgagepoint.com/podcast/understanding-foreclosure-law/)
- [Empowering Veterans Through Home Ownership](https://themortgagepoint.com/podcast/empowering-vetrerans-through-home-ownership/)
- [Why Education and Collaboration Matter in Asset Management Law with Reneau Longoria](https://themortgagepoint.com/podcast/why-education-and-collaboration-matter-reneau-longoria/)
- [Why Legal Education and Collaboration Matter: A Conversation with David Demers](https://themortgagepoint.com/podcast/why-legal-education-matter-david-demers/)
- [From Service to Stability: Jaye VanBoening on Transition, PTSD & Finding Purpose](https://themortgagepoint.com/podcast/jaye-vanboening-transisiton-ptsd-finding-purpose/)
- [Insights from a Bankruptcy Law Expert](https://themortgagepoint.com/podcast/insights-from-bankruptcy-law-expert-jeffrey-fraser/)
- [Strength Beyond Loss: A Conversation with Gold Star Spouse Jessica Ardron](https://themortgagepoint.com/podcast/conversation-with-gold-star-spouse-jessica-ardron/)
- [Understanding FHA Claims and Market Dynamics with Candace Russell](https://themortgagepoint.com/podcast/understanding-fha-claims-candace-russell-2/)
- [The Journey of Robert Forster: From Reluctance to Legal Success](https://themortgagepoint.com/podcast/robert-forster-from-reluctance-to-legal-success/)
- [Derek Austin's Inspiring Military Journey](https://themortgagepoint.com/podcast/derek-austins-inspiring-military-journey/)
- [Eric Delgado's Entrepreneurial Journey and Insights](https://themortgagepoint.com/podcast/eric-delgados-entrepreneurial-insights/)
- [Understanding Default Mortgage Servicing with Patrick O'Brien](https://themortgagepoint.com/podcast/understanding-default-mortgage-servicing-with-patrick-obrien/)
- [Navigating Real Estate: Insights from the Five Star Conference with Kimberly McClinton](https://themortgagepoint.com/podcast/navigating-real-estate-insights-with-kimberly-mcclinton/)
- [Navigating the Complexities of Foreclosure Law with Michael Merritt](https://themortgagepoint.com/podcast/navigating-the-complexities-of-foreclosure-law-with-michael-merritt/)
- [From Litigation to Leadership: Stephen Hladik on Mortgage Trends](https://themortgagepoint.com/podcast/from-litigation-to-leadership-stephen-hladik-on-mortgage-trends/)
- [Bankruptcy, Balance Sheets & Roundtable Real Talk with Kent McPhail](https://themortgagepoint.com/podcast/bankruptcy-balance-sheets-roundtable-real-talk-with-kent-mcphail/)
- [Foreclosure Trends, AI, and Staffing Smarts with Matt Podmenik](https://themortgagepoint.com/podcast/foreclosure-trends-ai-and-staffing-smarts-with-matt-podmenik/)
- [Embracing Market Discomfort: Insights from Frederick Golding](https://themortgagepoint.com/podcast/embracing-market-discomfort-insights-from-frederick-golding/)
- [Investing Beyond Your Backyard with Zach Lemaster](https://themortgagepoint.com/podcast/investing-beyond-your-backyard-with-zach-lemaster/)
- [From Probate to Profit: Robert Forster’s Legal Insights](https://themortgagepoint.com/podcast/from-probate-to-profit-robert-forsters-legal-insights/)
- [Rethinking the Future of Servicing with Yvette Gilmore of ServiceLink](https://themortgagepoint.com/podcast/rethinking-the-future-of-servicing-with-yvette-gilmore-of-servicelink/)

## Categories

- [Uncategorized](https://themortgagepoint.com/category/uncategorized/)
- [Lending/Originations](https://themortgagepoint.com/category/lending-originations/)
- [Market Trends](https://themortgagepoint.com/category/market-trends/)
- [Government](https://themortgagepoint.com/category/government/)
- [Default Servicing](https://themortgagepoint.com/category/default-servicing/)
- [Industry News](https://themortgagepoint.com/category/industry-news/)
- [Sponsored](https://themortgagepoint.com/category/sponsored/)
- [Webinars](https://themortgagepoint.com/category/industry-news/webinars/)
- [MP Access Show](https://themortgagepoint.com/category/mp-access-show/)
- [Current Issue](https://themortgagepoint.com/category/current-issue/)
- [Magazine](https://themortgagepoint.com/category/magazine/) - Magazine articles for /magazine monthly archive
- [Featured](https://themortgagepoint.com/category/featured/)

## Tags

- [Sponsored First](https://themortgagepoint.com/tag/sponsored-first/)
- [Sponsored Second](https://themortgagepoint.com/tag/sponsored-second/)
- [Center for American Progress](https://themortgagepoint.com/tag/center-for-american-progress/)
- [Center for Responsible Lending](https://themortgagepoint.com/tag/center-for-responsible-lending/)
- [Department of Housing and Urban Development Act](https://themortgagepoint.com/tag/department-of-housing-and-urban-development-act/)
- [Dodd-Frank Wall Street Reform Act](https://themortgagepoint.com/tag/dodd-frank-wall-street-reform-act/)
- [Fair Housing](https://themortgagepoint.com/tag/fair-housing/)
- [Federal Housing Administration (FHA)](https://themortgagepoint.com/tag/federal-housing-administration-fha/)
- [Federal Housing Finance Agency](https://themortgagepoint.com/tag/federal-housing-finance-agency/)
- [federal housing programs](https://themortgagepoint.com/tag/federal-housing-programs/)
- [Julia R. Gordon](https://themortgagepoint.com/tag/julia-r-gordon/)
- [Marcia L. Fudge](https://themortgagepoint.com/tag/marcia-l-fudge/)
- [Mortgage Insurance](https://themortgagepoint.com/tag/mortgage-insurance/)
- [National Community Stabilization Trust (NCST)](https://themortgagepoint.com/tag/national-community-stabilization-trust-ncst/)
- [Oversight of the Department of Housing and Urban Development and the Federal Housing Administration](https://themortgagepoint.com/tag/oversight-of-the-department-of-housing-and-urban-development-and-the-federal-housing-administration/)
- [President Lyndon B. Johnson](https://themortgagepoint.com/tag/president-lyndon-b-johnson/)
- [U.S. Department of Housing and Urban Development (HUD)](https://themortgagepoint.com/tag/u-s-department-of-housing-and-urban-development-hud/)
- [U.S. House Committee on Financial Services](https://themortgagepoint.com/tag/u-s-house-committee-on-financial-services/)
- [at-risk communities](https://themortgagepoint.com/tag/at-risk-communities/)
- [Color](https://themortgagepoint.com/tag/color/)
- [Disability](https://themortgagepoint.com/tag/disability/)
- [Fair Housing Act](https://themortgagepoint.com/tag/fair-housing-act/)
- [HUD OIG](https://themortgagepoint.com/tag/hud-oig/)
- [Landlords](https://themortgagepoint.com/tag/landlords/)
- [maintenance staff](https://themortgagepoint.com/tag/maintenance-staff/)
- [National Origin](https://themortgagepoint.com/tag/national-origin/)
- [Property Managers](https://themortgagepoint.com/tag/property-managers/)
- [Race](https://themortgagepoint.com/tag/race/)
- [Rae Oliver Davis](https://themortgagepoint.com/tag/rae-oliver-davis/)
- [Religion](https://themortgagepoint.com/tag/religion/)
- [Ryan K. Buchanan](https://themortgagepoint.com/tag/ryan-k-buchanan/)
- [Safe Housing Summit](https://themortgagepoint.com/tag/safe-housing-summit/)
- [Sex](https://themortgagepoint.com/tag/sex/)
- [U.S. Attorney’s Office in Atlanta](https://themortgagepoint.com/tag/u-s-attorneys-office-in-atlanta/)
- [U.S. Department of Housing and Urban Development’s Inspector General](https://themortgagepoint.com/tag/u-s-department-of-housing-and-urban-developments-inspector-general/)
- [U-Haul](https://themortgagepoint.com/tag/u-haul/)
- [U-Haul Growth Index](https://themortgagepoint.com/tag/u-haul-growth-index/)
- [Domestic Migration](https://themortgagepoint.com/tag/domestic-migration/)
- [Migration Patterns](https://themortgagepoint.com/tag/migration-patterns/)
- [Cenlar FSB](https://themortgagepoint.com/tag/cenlar-fsb/)
- [David Schneider](https://themortgagepoint.com/tag/david-schneider/)
- [Foreclosure](https://themortgagepoint.com/tag/foreclosure/)
- [REO](https://themortgagepoint.com/tag/reo/)
- [Shellpoint Mortgage Servicing](https://themortgagepoint.com/tag/shellpoint-mortgage-servicing/)
- [Wells Fargo Home Mortgage](https://themortgagepoint.com/tag/wells-fargo-home-mortgage/)
- [Housing Choice Voucher (HCV)](https://themortgagepoint.com/tag/housing-choice-voucher-hcv/)
- [public housing agencies (PHAs)](https://themortgagepoint.com/tag/public-housing-agencies-phas/)
- [Richard J. Monocchio](https://themortgagepoint.com/tag/richard-j-monocchio/)
- [conforming loan limit values (CLLs)](https://themortgagepoint.com/tag/conforming-loan-limit-values-clls/)
- [Fannie Mae](https://themortgagepoint.com/tag/fannie-mae/)
- [Federal Housing Finance Agency (FHFA)](https://themortgagepoint.com/tag/federal-housing-finance-agency-fhfa/)
- [Freddie Mac](https://themortgagepoint.com/tag/freddie-mac/)
- [Housing and Economic Recovery Act (HERA)](https://themortgagepoint.com/tag/housing-and-economic-recovery-act-hera/)
- [median home values](https://themortgagepoint.com/tag/median-home-values/)
- [Climate Change](https://themortgagepoint.com/tag/climate-change/)
- [Home Price gains](https://themortgagepoint.com/tag/home-price-gains/)
- [Home Price Growth](https://themortgagepoint.com/tag/home-price-growth/)
- [Home Price Index](https://themortgagepoint.com/tag/home-price-index/)
- [Home Prices](https://themortgagepoint.com/tag/home-prices/)
- [Migration](https://themortgagepoint.com/tag/migration/)
- [Redfin](https://themortgagepoint.com/tag/redfin/)
- [203(k) Rehabilitation Mortgage Insurance Program](https://themortgagepoint.com/tag/203k-rehabilitation-mortgage-insurance-program/)
- [Julia Gordon](https://themortgagepoint.com/tag/julia-gordon/)
- [Remodeling](https://themortgagepoint.com/tag/remodeling/)
- [Sarah Edelman](https://themortgagepoint.com/tag/sarah-edelman/)
- [structural repairs](https://themortgagepoint.com/tag/structural-repairs/)
- [Bank of America](https://themortgagepoint.com/tag/bank-of-america/)
- [Consumer Financial Protection Act](https://themortgagepoint.com/tag/consumer-financial-protection-act/)
- [Consumer Financial Protection Bureau (CFPB)](https://themortgagepoint.com/tag/consumer-financial-protection-bureau-cfpb/)
- [Home Mortgage Disclosure Act (HMDA)](https://themortgagepoint.com/tag/home-mortgage-disclosure-act-hmda/)
- [Regulation C](https://themortgagepoint.com/tag/regulation-c/)
- [ROHIT CHOPRA](https://themortgagepoint.com/tag/rohit-chopra/)
- [Ginnie Mae](https://themortgagepoint.com/tag/ginnie-mae/)
- [Housing and Economic Recovery Act of 2008 (HERA)](https://themortgagepoint.com/tag/housing-and-economic-recovery-act-of-2008-hera/)
- [mortgage-backed securities (MBS)](https://themortgagepoint.com/tag/mortgage-backed-securities-mbs/)
- [Affordability](https://themortgagepoint.com/tag/affordability/)
- [Doug Duncan](https://themortgagepoint.com/tag/doug-duncan/)
- [Home Price Expectations](https://themortgagepoint.com/tag/home-price-expectations/)
- [Home Price Index (HPI)](https://themortgagepoint.com/tag/home-price-index-hpi/)
- [Commercial Mortgage-Backed Securities](https://themortgagepoint.com/tag/commercial-mortgage-backed-securities/)
- [Mortgage Bankers Association (MBA)](https://themortgagepoint.com/tag/mortgage-bankers-association-mba/)
- [ATTOM Data](https://themortgagepoint.com/tag/attom-data/)
- [Foreclosure Completions](https://themortgagepoint.com/tag/foreclosure-completions/)
- [Foreclosure Filings](https://themortgagepoint.com/tag/foreclosure-filings/)
- [Foreclosure Starts](https://themortgagepoint.com/tag/foreclosure-starts/)
- [REOs](https://themortgagepoint.com/tag/reos/)
- [Rob Barber](https://themortgagepoint.com/tag/rob-barber/)
- [A&D Mortgage](https://themortgagepoint.com/tag/ad-mortgage/)
- [Danielle Hale](https://themortgagepoint.com/tag/danielle-hale/)
- [Federal Reserve](https://themortgagepoint.com/tag/federal-reserve/)
- [Federal Reserve’s Federal Open Market Committee (FOMC)](https://themortgagepoint.com/tag/federal-reserves-federal-open-market-committee-fomc/)
- [FOMC](https://themortgagepoint.com/tag/fomc/)
- [Max Slyusarchuk](https://themortgagepoint.com/tag/max-slyusarchuk/)
- [Nominal Interest Rate](https://themortgagepoint.com/tag/nominal-interest-rate/)
- [Realtor.com](https://themortgagepoint.com/tag/realtor-com/)
- [TransUnion](https://themortgagepoint.com/tag/transunion/)
- [Dodd-Frank Act](https://themortgagepoint.com/tag/dodd-frank-act/)
- [Quality Assurance](https://themortgagepoint.com/tag/quality-assurance/)
- [Regulatory Compliance](https://themortgagepoint.com/tag/regulatory-compliance/)
- [Technology](https://themortgagepoint.com/tag/technology/)
- [Wolters Kluwer](https://themortgagepoint.com/tag/wolters-kluwer/)
- [Existing Home Sales](https://themortgagepoint.com/tag/existing-home-sales/)
- [Housing Starts](https://themortgagepoint.com/tag/housing-starts/)
- [Lawrence Yun](https://themortgagepoint.com/tag/lawrence-yun/)
- [Mortgage Rates](https://themortgagepoint.com/tag/mortgage-rates/)
- [National Association of Realtors (NAR)](https://themortgagepoint.com/tag/national-association-of-realtors-nar/)
- [Flash Flooding](https://themortgagepoint.com/tag/flash-flooding/)
- [Flood](https://themortgagepoint.com/tag/flood/)
- [flood damage](https://themortgagepoint.com/tag/flood-damage/)
- [Flood Damage and Federally Backed Mortgages in a Changing Climate](https://themortgagepoint.com/tag/flood-damage-and-federally-backed-mortgages-in-a-changing-climate/)
- [Flood Insurance](https://themortgagepoint.com/tag/flood-insurance/)
- [Flood Zones](https://themortgagepoint.com/tag/flood-zones/)
- [National Flood Insurance Program (NFIP)](https://themortgagepoint.com/tag/national-flood-insurance-program-nfip/)
- [Black](https://themortgagepoint.com/tag/black/)
- [CNN](https://themortgagepoint.com/tag/cnn/)
- [Navy Federal Credit Union](https://themortgagepoint.com/tag/navy-federal-credit-union/)
- [People of Color](https://themortgagepoint.com/tag/people-of-color/)
- [racial](https://themortgagepoint.com/tag/racial/)
- [Racial Bias](https://themortgagepoint.com/tag/racial-bias/)
- [Racial Disparities](https://themortgagepoint.com/tag/racial-disparities/)
- [racial equity](https://themortgagepoint.com/tag/racial-equity/)
- [racial homeownership gap](https://themortgagepoint.com/tag/racial-homeownership-gap/)
- [First American](https://themortgagepoint.com/tag/first-american/)
- [First American Financial Corporation](https://themortgagepoint.com/tag/first-american-financial-corporation/)
- [Mark Fleming](https://themortgagepoint.com/tag/mark-fleming/)
- [Title Insurance](https://themortgagepoint.com/tag/title-insurance/)
- [Artificial Intelligence (AI)](https://themortgagepoint.com/tag/artificial-intelligence-ai/)
- [Black Knight Origination Technologies LLC](https://themortgagepoint.com/tag/black-knight-origination-technologies-llc/)
- [Blockchain](https://themortgagepoint.com/tag/blockchain/)
- [Constellation Software Inc.](https://themortgagepoint.com/tag/constellation-software-inc/)
- [Dark Matter Technologies](https://themortgagepoint.com/tag/dark-matter-technologies/)
- [FinTech](https://themortgagepoint.com/tag/fintech/)
- [legal](https://themortgagepoint.com/tag/legal/)
- [machine learning (ML)](https://themortgagepoint.com/tag/machine-learning-ml/)
- [Regulatory](https://themortgagepoint.com/tag/regulatory/)
- [Rich Gagliano](https://themortgagepoint.com/tag/rich-gagliano/)
- [American Dream](https://themortgagepoint.com/tag/american-dream/)
- [Cost Burdened](https://themortgagepoint.com/tag/cost-burdened/)
- [Creditnews](https://themortgagepoint.com/tag/creditnews/)
- [Interest rates](https://themortgagepoint.com/tag/interest-rates/)
- [Sam Bourgi](https://themortgagepoint.com/tag/sam-bourgi/)
- [Alicia Huey](https://themortgagepoint.com/tag/alicia-huey/)
- [Builder Confidence](https://themortgagepoint.com/tag/builder-confidence/)
- [Dr. Robert Dietz](https://themortgagepoint.com/tag/dr-robert-dietz/)
- [Economic Data](https://themortgagepoint.com/tag/economic-data/)
- [housing shortage](https://themortgagepoint.com/tag/housing-shortage/)
- [National Association of Home Builders (NAHB)](https://themortgagepoint.com/tag/national-association-of-home-builders-nahb/)
- [National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI)](https://themortgagepoint.com/tag/national-association-of-home-builders-nahb-wells-fargo-housing-market-index-hmi/)
- [Single-Family Homes](https://themortgagepoint.com/tag/single-family-homes/)
- [Blueprint for a Renters Bill of Rights](https://themortgagepoint.com/tag/blueprint-for-a-renters-bill-of-rights/)
- [Homelessness](https://themortgagepoint.com/tag/homelessness/)
- [Housing Supply Action Plan](https://themortgagepoint.com/tag/housing-supply-action-plan/)
- [Rent](https://themortgagepoint.com/tag/rent/)
- [Originations](https://themortgagepoint.com/tag/originations/)
- [Multifamily Housing](https://themortgagepoint.com/tag/multifamily-housing/)
- [Rental Housing](https://themortgagepoint.com/tag/rental-housing/)
- [Renting](https://themortgagepoint.com/tag/renting/)
- [Sara Hoffmann](https://themortgagepoint.com/tag/sara-hoffmann/)
- [Amenities](https://themortgagepoint.com/tag/amenities/)
- [Zillow](https://themortgagepoint.com/tag/zillow/)
- [Affordability Crisis](https://themortgagepoint.com/tag/affordability-crisis/)
- [Affordable Housing](https://themortgagepoint.com/tag/affordable-housing/)
- [affordable living](https://themortgagepoint.com/tag/affordable-living/)
- [Housing Affordability](https://themortgagepoint.com/tag/housing-affordability/)
- [Roy Barber](https://themortgagepoint.com/tag/roy-barber/)
- [Junk Fees](https://themortgagepoint.com/tag/junk-fees/)
- [Nonsufficient Funds Fee (NSF)](https://themortgagepoint.com/tag/nonsufficient-funds-fee-nsf/)
- [Overdraft Fees](https://themortgagepoint.com/tag/overdraft-fees/)
- [LendingTree](https://themortgagepoint.com/tag/lendingtree/)
- [Median Household Income](https://themortgagepoint.com/tag/median-household-income/)
- [U.S. Census Bureau](https://themortgagepoint.com/tag/u-s-census-bureau/)
- [CoreLogic](https://themortgagepoint.com/tag/corelogic/)
- [Dr. Selma Hepp](https://themortgagepoint.com/tag/dr-selma-hepp/)
- [Joel Kan](https://themortgagepoint.com/tag/joel-kan/)
- [MBA’s Weekly Mortgage Applications Survey](https://themortgagepoint.com/tag/mbas-weekly-mortgage-applications-survey/)
- [new residential construction](https://themortgagepoint.com/tag/new-residential-construction/)
- [Pending Home Sales Index (PHSI)](https://themortgagepoint.com/tag/pending-home-sales-index-phsi/)
- [Purchase activity](https://themortgagepoint.com/tag/purchase-activity/)
- [Purchase Index](https://themortgagepoint.com/tag/purchase-index/)
- [Refinance Index](https://themortgagepoint.com/tag/refinance-index/)
- [credit card debt](https://themortgagepoint.com/tag/credit-card-debt/)
- [Mortgage Debt](https://themortgagepoint.com/tag/mortgage-debt/)
- [Student Debt](https://themortgagepoint.com/tag/student-debt/)
- [Covid-19](https://themortgagepoint.com/tag/covid-19/)
- [Home Renovations](https://themortgagepoint.com/tag/home-renovations/)
- [Lock-In Effect](https://themortgagepoint.com/tag/lock-in-effect/)
- [Active Listings](https://themortgagepoint.com/tag/active-listings/)
- [Median Asking Price](https://themortgagepoint.com/tag/median-asking-price/)
- [Median Days on Market](https://themortgagepoint.com/tag/median-days-on-market/)
- [Median Monthly Mortgage Payment](https://themortgagepoint.com/tag/median-monthly-mortgage-payment/)
- [Median Sales Price](https://themortgagepoint.com/tag/median-sales-price/)
- [Months of Supply](https://themortgagepoint.com/tag/months-of-supply/)
- [New Listings](https://themortgagepoint.com/tag/new-listings/)
- [Pending Sales](https://themortgagepoint.com/tag/pending-sales/)
- [Shay Stein](https://themortgagepoint.com/tag/shay-stein/)
- [Bankruptcy](https://themortgagepoint.com/tag/bankruptcy/)
- [Bankruptcy Filings](https://themortgagepoint.com/tag/bankruptcy-filings/)
- [Chapter 11](https://themortgagepoint.com/tag/chapter-11/)
- [Chapter 13](https://themortgagepoint.com/tag/chapter-13/)
- [Chapter 7](https://themortgagepoint.com/tag/chapter-7/)
- [Julie Su](https://themortgagepoint.com/tag/julie-su/)
- [Labor force](https://themortgagepoint.com/tag/labor-force/)
- [total nonfarm payroll](https://themortgagepoint.com/tag/total-nonfarm-payroll/)
- [U.S. Bureau of Labor Statistics (BLS)](https://themortgagepoint.com/tag/u-s-bureau-of-labor-statistics-bls/)
- [Unemployment](https://themortgagepoint.com/tag/unemployment/)
- [Unemployment Rate](https://themortgagepoint.com/tag/unemployment-rate/)
- [Asking Rents](https://themortgagepoint.com/tag/asking-rents/)
- [Chen Zhao](https://themortgagepoint.com/tag/chen-zhao/)
- [Concessions](https://themortgagepoint.com/tag/concessions/)
- [rental market](https://themortgagepoint.com/tag/rental-market/)
- [Vacancies](https://themortgagepoint.com/tag/vacancies/)
- [foreclosures](https://themortgagepoint.com/tag/foreclosures/)
- [Xome](https://themortgagepoint.com/tag/xome/)
- [white paper](https://themortgagepoint.com/tag/white-paper/)
- [weather](https://themortgagepoint.com/tag/weather/)
- [national general lender services](https://themortgagepoint.com/tag/national-general-lender-services/)
- [climate disasters](https://themortgagepoint.com/tag/climate-disasters/)
- [wildfires](https://themortgagepoint.com/tag/wildfires/)
- [hurricanes](https://themortgagepoint.com/tag/hurricanes/)
- [Chris Marshall](https://themortgagepoint.com/tag/chris-marshall/)
- [Wells Fargo](https://themortgagepoint.com/tag/wells-fargo/)
- [JP Morgan Chase](https://themortgagepoint.com/tag/jp-morgan-chase/)
- [Jay Bray](https://themortgagepoint.com/tag/jay-bray/)
- [Mike Weinbach](https://themortgagepoint.com/tag/mike-weinbach/)
- [Home Point Capital](https://themortgagepoint.com/tag/home-point-capital/)
- [Chase Home Lending](https://themortgagepoint.com/tag/chase-home-lending/)
- [Mr. Cooper Group Inc.](https://themortgagepoint.com/tag/mr-cooper-group-inc/)
- [FHA’s Maximum Claim Amount (MCA)](https://themortgagepoint.com/tag/fhas-maximum-claim-amount-mca/)
- [Alanna McCargo](https://themortgagepoint.com/tag/alanna-mccargo/)
- [first-time homebuyer loans](https://themortgagepoint.com/tag/first-time-homebuyer-loans/)
- [HECM Loans](https://themortgagepoint.com/tag/hecm-loans/)
- [Home Equity](https://themortgagepoint.com/tag/home-equity/)
- [Home Equity Conversion Mortgage (HECM)](https://themortgagepoint.com/tag/home-equity-conversion-mortgage-hecm/)
- [liquidity constraints](https://themortgagepoint.com/tag/liquidity-constraints/)
- [MBS issuance](https://themortgagepoint.com/tag/mbs-issuance/)
- [MBS portfolio](https://themortgagepoint.com/tag/mbs-portfolio/)
- [Mortgage-Backed Securities (HMBS)](https://themortgagepoint.com/tag/mortgage-backed-securities-hmbs/)
- [Secondary Market](https://themortgagepoint.com/tag/secondary-market/)
- [Reverse Mortgage](https://themortgagepoint.com/tag/reverse-mortgage/)
- [commercial properties](https://themortgagepoint.com/tag/commercial-properties/)
- [Commercial Real Estate Finance (CREF)](https://themortgagepoint.com/tag/commercial-real-estate-finance-cref/)
- [Delinquency Rates](https://themortgagepoint.com/tag/delinquency-rates/)
- [Delinquencies](https://themortgagepoint.com/tag/delinquencies/)
- [Epiq AACER](https://themortgagepoint.com/tag/epiq-aacer/)
- [MBA’s CREF Loan Performance survey](https://themortgagepoint.com/tag/mbas-cref-loan-performance-survey/)
- [Jamie Woodwell](https://themortgagepoint.com/tag/jamie-woodwell/)
- [Michael Hunter](https://themortgagepoint.com/tag/michael-hunter/)
- [Loan Performance Survey](https://themortgagepoint.com/tag/loan-performance-survey/)
- [Fannie Mae Home Price Index](https://themortgagepoint.com/tag/fannie-mae-home-price-index/)
- [Mortgage news](https://themortgagepoint.com/tag/mortgage-news/)
- [Industry news](https://themortgagepoint.com/tag/industry-news/)
- [FHA](https://themortgagepoint.com/tag/fha/)
- [Federal Housing Administration](https://themortgagepoint.com/tag/federal-housing-administration/)
- [David H. Stevens](https://themortgagepoint.com/tag/david-h-stevens/)
- [MBA](https://themortgagepoint.com/tag/mba/)
- [Mortgage Bankers Association](https://themortgagepoint.com/tag/mortgage-bankers-association/)
- [Mortgage Servicing Executive Alliance](https://themortgagepoint.com/tag/mortgage-servicing-executive-alliance/)
- [National Mortgage Servicing Association](https://themortgagepoint.com/tag/national-mortgage-servicing-association/)
- [Five Star Global](https://themortgagepoint.com/tag/five-star-global/)
- [FSI](https://themortgagepoint.com/tag/fsi/)
- [Federal Housing Association](https://themortgagepoint.com/tag/federal-housing-association/)
- [Government](https://themortgagepoint.com/tag/government/)
- [Industry veteran](https://themortgagepoint.com/tag/industry-veteran/)
- [U.S. Department of Housing and Urban Development](https://themortgagepoint.com/tag/u-s-department-of-housing-and-urban-development/)
- [HUD](https://themortgagepoint.com/tag/hud/)
- [Daryl Fairweather](https://themortgagepoint.com/tag/daryl-fairweather/)
- [Baby Boomers](https://themortgagepoint.com/tag/baby-boomers/)
- [Gen X](https://themortgagepoint.com/tag/gen-x/)
- [Gen Z](https://themortgagepoint.com/tag/gen-z/)
- [Millennials](https://themortgagepoint.com/tag/millennials/)
- [Loophole](https://themortgagepoint.com/tag/loophole/)
- [Proposed Rule](https://themortgagepoint.com/tag/proposed-rule/)
- [Housing trends](https://themortgagepoint.com/tag/housing-trends/)
- [homeownership gender gap](https://themortgagepoint.com/tag/homeownership-gender-gap/)
- [housing markets](https://themortgagepoint.com/tag/housing-markets/)
- [housing](https://themortgagepoint.com/tag/housing/)
- [market trends](https://themortgagepoint.com/tag/market-trends/)
- [single-women homeowners](https://themortgagepoint.com/tag/single-women-homeowners/)
- [single men](https://themortgagepoint.com/tag/single-men/)
- [housing studies](https://themortgagepoint.com/tag/housing-studies/)
- [housing demand. housing supply](https://themortgagepoint.com/tag/housing-demand-housing-supply/)
- [homeownership](https://themortgagepoint.com/tag/homeownership/)
- [single-men homeowners](https://themortgagepoint.com/tag/single-men-homeowners/)
- [market studies](https://themortgagepoint.com/tag/market-studies/)
- [home sellers](https://themortgagepoint.com/tag/home-sellers/)
- [owner-occupied households](https://themortgagepoint.com/tag/owner-occupied-households/)
- [homeowners](https://themortgagepoint.com/tag/homeowners/)
- [single households](https://themortgagepoint.com/tag/single-households/)
- [women homeownership](https://themortgagepoint.com/tag/women-homeownership/)
- [single women](https://themortgagepoint.com/tag/single-women/)
- [gender disparities](https://themortgagepoint.com/tag/gender-disparities/)
- [housing costs](https://themortgagepoint.com/tag/housing-costs/)
- [homebuyers](https://themortgagepoint.com/tag/homebuyers/)
- [housing supply](https://themortgagepoint.com/tag/housing-supply/)
- [housing demand](https://themortgagepoint.com/tag/housing-demand/)
- [single-headed households](https://themortgagepoint.com/tag/single-headed-households/)
- [Editors Choice](https://themortgagepoint.com/tag/editors-choice/)
- [MP Movers and Shakers](https://themortgagepoint.com/tag/mp-movers-and-shakers/)
- [Fannie Mae's Economic and Strategic Group (ESR)](https://themortgagepoint.com/tag/fannie-maes-economic-and-strategic-group-esr/)
- [Refinance Volume](https://themortgagepoint.com/tag/refinance-volume/)
- [inventory](https://themortgagepoint.com/tag/inventory/)
- [affordable homes](https://themortgagepoint.com/tag/affordable-homes/)
- [homebuying](https://themortgagepoint.com/tag/homebuying/)
- [homebuying process](https://themortgagepoint.com/tag/homebuying-process/)
- [home sales](https://themortgagepoint.com/tag/home-sales/)
- [down payments](https://themortgagepoint.com/tag/down-payments/)
- [wages](https://themortgagepoint.com/tag/wages/)
- [mortgage applications](https://themortgagepoint.com/tag/mortgage-applications/)
- [median home prices](https://themortgagepoint.com/tag/median-home-prices/)
- [housing budgets](https://themortgagepoint.com/tag/housing-budgets/)
- [new home purchase mortgage applications](https://themortgagepoint.com/tag/new-home-purchase-mortgage-applications/)
- [affordable rentals](https://themortgagepoint.com/tag/affordable-rentals/)
- [U.S. wages](https://themortgagepoint.com/tag/u-s-wages/)
- [housing finances](https://themortgagepoint.com/tag/housing-finances/)
- [BAS](https://themortgagepoint.com/tag/bas/)
- [Builder Application Survey](https://themortgagepoint.com/tag/builder-application-survey/)
- [new home sales](https://themortgagepoint.com/tag/new-home-sales/)
- [USDA loans](https://themortgagepoint.com/tag/usda-loans/)
- [jumbo loans](https://themortgagepoint.com/tag/jumbo-loans/)
- [loans](https://themortgagepoint.com/tag/loans/)
- [VA loans](https://themortgagepoint.com/tag/va-loans/)
- [conventional loans](https://themortgagepoint.com/tag/conventional-loans/)
- [home loans](https://themortgagepoint.com/tag/home-loans/)
- [RHS loans](https://themortgagepoint.com/tag/rhs-loans/)
- [FHA loans](https://themortgagepoint.com/tag/fha-loans/)
- [Rocket Companies](https://themortgagepoint.com/tag/rocket-companies/)
- [Jonathan Mildenhall](https://themortgagepoint.com/tag/jonathan-mildenhall/)
- [CMO](https://themortgagepoint.com/tag/cmo/)
- [Chief Marketing Officer](https://themortgagepoint.com/tag/chief-marketing-officer/)
- [Industry nnews](https://themortgagepoint.com/tag/industry-nnews/)
- [Hirings](https://themortgagepoint.com/tag/hirings/)
- [Promotions](https://themortgagepoint.com/tag/promotions/)
- [Appointment](https://themortgagepoint.com/tag/appointment/)
- [Ally Financial](https://themortgagepoint.com/tag/ally-financial/)
- [Douglas Timmerman](https://themortgagepoint.com/tag/douglas-timmerman/)
- [Interim CEO](https://themortgagepoint.com/tag/interim-ceo/)
- [CEO](https://themortgagepoint.com/tag/ceo/)
- [Existing-Home Sales](https://themortgagepoint.com/tag/existing-home-sales-2/)
- [All-Cash Sales](https://themortgagepoint.com/tag/all-cash-sales/)
- [Distressed Sales](https://themortgagepoint.com/tag/distressed-sales/)
- [Pending Home Sales](https://themortgagepoint.com/tag/pending-home-sales/)
- [Homebuyer Demand](https://themortgagepoint.com/tag/homebuyer-demand/)
- [Median Home Sales Price](https://themortgagepoint.com/tag/median-home-sales-price/)
- [Days on Market](https://themortgagepoint.com/tag/days-on-market/)
- [apartment constructions](https://themortgagepoint.com/tag/apartment-constructions/)
- [office-to-apartment conversion](https://themortgagepoint.com/tag/office-to-apartment-conversion/)
- [office to living spaces](https://themortgagepoint.com/tag/office-to-living-spaces/)
- [office buildings](https://themortgagepoint.com/tag/office-buildings/)
- [purchase applications office-to-apartments](https://themortgagepoint.com/tag/purchase-applications-office-to-apartments/)
- [living spaces](https://themortgagepoint.com/tag/living-spaces/)
- [RentCafe](https://themortgagepoint.com/tag/rentcafe/)
- [square footage](https://themortgagepoint.com/tag/square-footage/)
- [international markets](https://themortgagepoint.com/tag/international-markets/)
- [starter homes](https://themortgagepoint.com/tag/starter-homes/)
- [starter home affordability](https://themortgagepoint.com/tag/starter-home-affordability/)
- [purchase applications](https://themortgagepoint.com/tag/purchase-applications/)
- [starter home prices](https://themortgagepoint.com/tag/starter-home-prices/)
- [builder sentiment](https://themortgagepoint.com/tag/builder-sentiment/)
- [builders](https://themortgagepoint.com/tag/builders/)
- [construction](https://themortgagepoint.com/tag/construction/)
- [housing developments](https://themortgagepoint.com/tag/housing-developments/)
- [National Association of Home Builders](https://themortgagepoint.com/tag/national-association-of-home-builders/)
- [NAHB](https://themortgagepoint.com/tag/nahb/)
- [Housing market index](https://themortgagepoint.com/tag/housing-market-index/)
- [Aging In Place](https://themortgagepoint.com/tag/aging-in-place/)
- [Leaf Home](https://themortgagepoint.com/tag/leaf-home/)
- [Morning Consult](https://themortgagepoint.com/tag/morning-consult/)
- [Bron](https://themortgagepoint.com/tag/bron/)
- [Aldridge Pite LLP](https://themortgagepoint.com/tag/aldridge-pite-llp/)
- [Alan Jaffa](https://themortgagepoint.com/tag/alan-jaffa/)
- [Dror Oppenheimer](https://themortgagepoint.com/tag/dror-oppenheimer/)
- [Chip Nolan](https://themortgagepoint.com/tag/chip-nolan/)
- [Ed Delgado](https://themortgagepoint.com/tag/ed-delgado/)
- [Five Star Conference](https://themortgagepoint.com/tag/five-star-conference/)
- [Eric Will](https://themortgagepoint.com/tag/eric-will/)
- [forbearance plans](https://themortgagepoint.com/tag/forbearance-plans/)
- [Sean P. Edwards](https://themortgagepoint.com/tag/sean-p-edwards/)
- [Robert Klein](https://themortgagepoint.com/tag/robert-klein/)
- [John Thibaudeau](https://themortgagepoint.com/tag/john-thibaudeau/)
- [Mortgage Policy Advisors LLC](https://themortgagepoint.com/tag/mortgage-policy-advisors-llc/)
- [joe iafigliola](https://themortgagepoint.com/tag/joe-iafigliola/)
- [Timika Scott](https://themortgagepoint.com/tag/timika-scott/)
- [property preservation space](https://themortgagepoint.com/tag/property-preservation-space/)
- [Vacant Properties](https://themortgagepoint.com/tag/vacant-properties/)
- [National Property Preservation Conference (NPPC)](https://themortgagepoint.com/tag/national-property-preservation-conference-nppc/)
- [Safeguard Properties](https://themortgagepoint.com/tag/safeguard-properties/)
- [Marcel Bryar](https://themortgagepoint.com/tag/marcel-bryar/)
- [US Bank](https://themortgagepoint.com/tag/us-bank/)
- [Linda Erkkila](https://themortgagepoint.com/tag/linda-erkkila/)
- [Property Preservation](https://themortgagepoint.com/tag/property-preservation/)
- [Gate House Strategies LLC](https://themortgagepoint.com/tag/gate-house-strategies-llc/)
- [Sandra L. Thompson](https://themortgagepoint.com/tag/sandra-l-thompson/)
- [Jeffrey Tesch](https://themortgagepoint.com/tag/jeffrey-tesch/)
- [Rick Sharga](https://themortgagepoint.com/tag/rick-sharga/)
- [rental property owners](https://themortgagepoint.com/tag/rental-property-owners/)
- [fix-and-flip investors](https://themortgagepoint.com/tag/fix-and-flip-investors/)
- [real estate investing](https://themortgagepoint.com/tag/real-estate-investing/)
- [CJ Patrick Company](https://themortgagepoint.com/tag/cj-patrick-company/)
- [Asset Recovery](https://themortgagepoint.com/tag/asset-recovery/)
- [Best Homes Title Agency (BHT)](https://themortgagepoint.com/tag/best-homes-title-agency-bht/)
- [Legal League](https://themortgagepoint.com/tag/legal-league/)
- [REO conveyance](https://themortgagepoint.com/tag/reo-conveyance/)
- [Renee O’Donnell](https://themortgagepoint.com/tag/renee-odonnell/)
- [Neil Sherman](https://themortgagepoint.com/tag/neil-sherman/)
- [mediation](https://themortgagepoint.com/tag/mediation/)
- [Schneiderman & Sherman PC](https://themortgagepoint.com/tag/schneiderman-sherman-pc/)
- [Sherman Holdings Group](https://themortgagepoint.com/tag/sherman-holdings-group/)
- [millennial parent households](https://themortgagepoint.com/tag/millennial-parent-households/)
- [empty nest households](https://themortgagepoint.com/tag/empty-nest-households/)
- [empty nesters](https://themortgagepoint.com/tag/empty-nesters/)
- [generational wealth](https://themortgagepoint.com/tag/generational-wealth/)
- [Gen Xers](https://themortgagepoint.com/tag/gen-xers/)
- [Gen Zers](https://themortgagepoint.com/tag/gen-zers/)
- [studio apartments](https://themortgagepoint.com/tag/studio-apartments/)
- [price increases](https://themortgagepoint.com/tag/price-increases/)
- [Social Bond Framework](https://themortgagepoint.com/tag/social-bond-framework/)
- [Single-Family Social Bond Framework](https://themortgagepoint.com/tag/single-family-social-bond-framework/)
- [Nick Sapirie](https://themortgagepoint.com/tag/nick-sapirie/)
- [Mission Index](https://themortgagepoint.com/tag/mission-index/)
- [International Capital Market Association’s Social Bond Principles 2023](https://themortgagepoint.com/tag/international-capital-market-associations-social-bond-principles-2023/)
- [Enhanced Disclosures Lay the Groundwork for Single-Family Social MBS](https://themortgagepoint.com/tag/enhanced-disclosures-lay-the-groundwork-for-single-family-social-mbs/)
- [Barbara Pak](https://themortgagepoint.com/tag/barbara-pak/)
- [Devang Doshi](https://themortgagepoint.com/tag/devang-doshi/)
- [Price-to-Income Ratio](https://themortgagepoint.com/tag/price-to-income-ratio/)
- [Joint Center for Housing Studies (JCHS) at Harvard University](https://themortgagepoint.com/tag/joint-center-for-housing-studies-jchs-at-harvard-university/)
- [Incomes](https://themortgagepoint.com/tag/incomes/)
- [Apartment List](https://themortgagepoint.com/tag/apartment-list/)
- [Sun Belt](https://themortgagepoint.com/tag/sun-belt/)
- [Renters](https://themortgagepoint.com/tag/renters/)
- [Home Sale](https://themortgagepoint.com/tag/home-sale/)
- [Agent Advice](https://themortgagepoint.com/tag/agent-advice/)
- [Chris Heller](https://themortgagepoint.com/tag/chris-heller/)
- [Commercial mortgage originations](https://themortgagepoint.com/tag/commercial-mortgage-originations/)
- [commercial and multifamily mortgage](https://themortgagepoint.com/tag/commercial-and-multifamily-mortgage/)
- [Commercial Real Estate](https://themortgagepoint.com/tag/commercial-real-estate/)
- [commercial real estate finance (CREF) Loan Performance Survey](https://themortgagepoint.com/tag/commercial-real-estate-finance-cref-loan-performance-survey/)
- [commercial office spaces](https://themortgagepoint.com/tag/commercial-office-spaces/)
- [property values](https://themortgagepoint.com/tag/property-values/)
- [pandemic](https://themortgagepoint.com/tag/pandemic/)
- [Resume Builder](https://themortgagepoint.com/tag/resume-builder/)
- [outstanding loan balances](https://themortgagepoint.com/tag/outstanding-loan-balances/)
- [return to office (RTO)](https://themortgagepoint.com/tag/return-to-office-rto/)
- [adjustable-rate mortgage (ARM)](https://themortgagepoint.com/tag/adjustable-rate-mortgage-arm/)
- [fixed-rate mortgage (FRM)](https://themortgagepoint.com/tag/fixed-rate-mortgage-frm/)
- [Mortgage application volume](https://themortgagepoint.com/tag/mortgage-application-volume/)
- [Primary Mortgage Market Survey (PMMS)](https://themortgagepoint.com/tag/primary-mortgage-market-survey-pmms/)
- [Redfin Home Price Index (RHPI)](https://themortgagepoint.com/tag/redfin-home-price-index-rhpi/)
- [Sam Khater](https://themortgagepoint.com/tag/sam-khater/)
- [Auction.com](https://themortgagepoint.com/tag/auction-com/)
- [brand awareness](https://themortgagepoint.com/tag/brand-awareness/)
- [Mike Jansta](https://themortgagepoint.com/tag/mike-jansta/)
- [Auction](https://themortgagepoint.com/tag/auction/)
- [Altisource](https://themortgagepoint.com/tag/altisource/)
- [property auctions](https://themortgagepoint.com/tag/property-auctions/)
- [Mike Rawls](https://themortgagepoint.com/tag/mike-rawls/)
- [Default Servicing](https://themortgagepoint.com/tag/default-servicing/)
- [Hubzu](https://themortgagepoint.com/tag/hubzu/)
- [Consumer Financial Protection Bureau (CFPB(](https://themortgagepoint.com/tag/consumer-financial-protection-bureau-cfpb-2/)
- [Notice of Proposed Rule](https://themortgagepoint.com/tag/notice-of-proposed-rule/)
- [Overdue](https://themortgagepoint.com/tag/overdue/)
- [30-Days Past DUe](https://themortgagepoint.com/tag/30-days-past-due/)
- [60-Days Past Due](https://themortgagepoint.com/tag/60-days-past-due/)
- [90-Days Past DUe](https://themortgagepoint.com/tag/90-days-past-due/)
- [Prepayment Rate](https://themortgagepoint.com/tag/prepayment-rate-2/)
- [ICE Mortgage Technology](https://themortgagepoint.com/tag/ice-mortgage-technology/)
- [Carrington Mortgage Services Wholesale Lending](https://themortgagepoint.com/tag/carrington-mortgage-services-wholesale-lending/)
- [Carrington Mortgage Services (CMS)](https://themortgagepoint.com/tag/carrington-mortgage-services-cms/)
- [Greg Austin](https://themortgagepoint.com/tag/greg-austin/)
- [LendingOne](https://themortgagepoint.com/tag/lendingone/)
- [Correspondent Sales](https://themortgagepoint.com/tag/correspondent-sales/)
- [non-QM lender](https://themortgagepoint.com/tag/non-qm-lender/)
- [Samuel Bjelac](https://themortgagepoint.com/tag/samuel-bjelac/)
- [CoreVest Finance](https://themortgagepoint.com/tag/corevest-finance/)
- [Sprout Mortgage](https://themortgagepoint.com/tag/sprout-mortgage/)
- [Third-Party Origination (TPO)](https://themortgagepoint.com/tag/third-party-origination-tpo/)
- [Brad Sherman](https://themortgagepoint.com/tag/brad-sherman/)
- [Draft Master Plan of 2016](https://themortgagepoint.com/tag/draft-master-plan-of-2016/)
- [Denis McDonough](https://themortgagepoint.com/tag/denis-mcdonough/)
- [Master Plan (MP) 2022](https://themortgagepoint.com/tag/master-plan-mp-2022/)
- [Servicemembers](https://themortgagepoint.com/tag/servicemembers/)
- [Ted W. Lieu](https://themortgagepoint.com/tag/ted-w-lieu/)
- [Veterans](https://themortgagepoint.com/tag/veterans/)
- [West LA VA](https://themortgagepoint.com/tag/west-la-va/)
- [Mortgage loan subservicer](https://themortgagepoint.com/tag/mortgage-loan-subservicer/)
- [Bill Moffett](https://themortgagepoint.com/tag/bill-moffett/)
- [loan administration](https://themortgagepoint.com/tag/loan-administration/)
- [Mortgage Loan Servicing](https://themortgagepoint.com/tag/mortgage-loan-servicing/)
- [Citibank](https://themortgagepoint.com/tag/citibank/)
- [Flagstar Bank](https://themortgagepoint.com/tag/flagstar-bank/)
- [Default Operations](https://themortgagepoint.com/tag/default-operations/)
- [call center operations](https://themortgagepoint.com/tag/call-center-operations/)
- [Loss Mitigation](https://themortgagepoint.com/tag/loss-mitigation/)
- [Ingrid Jaschok](https://themortgagepoint.com/tag/ingrid-jaschok/)
- [default servicing portfolio](https://themortgagepoint.com/tag/default-servicing-portfolio/)
- [Mr. Cooper](https://themortgagepoint.com/tag/mr-cooper/)
- [Bureau of Labor Statistics (BLS)](https://themortgagepoint.com/tag/bureau-of-labor-statistics-bls/)
- [Delinquency](https://themortgagepoint.com/tag/delinquency/)
- [Forbearance](https://themortgagepoint.com/tag/forbearance/)
- [forbearance period](https://themortgagepoint.com/tag/forbearance-period/)
- [servicers’ portfolio volume](https://themortgagepoint.com/tag/servicers-portfolio-volume/)
- [private-label securities (PLS)](https://themortgagepoint.com/tag/private-label-securities-pls/)
- [Loan Monitoring Survey](https://themortgagepoint.com/tag/loan-monitoring-survey/)
- [GSE loans](https://themortgagepoint.com/tag/gse-loans/)
- [Marina Walsh](https://themortgagepoint.com/tag/marina-walsh/)
- [Loan Modification](https://themortgagepoint.com/tag/loan-modification/)
- [Apartments](https://themortgagepoint.com/tag/apartments/)
- [Jiayi Xu](https://themortgagepoint.com/tag/jiayi-xu/)
- [Studio Apartment](https://themortgagepoint.com/tag/studio-apartment/)
- [One-Bedroom Apartment](https://themortgagepoint.com/tag/one-bedroom-apartment/)
- [Two-Bedroom Apartment](https://themortgagepoint.com/tag/two-bedroom-apartment/)
- [Three-Bedroom Apartment](https://themortgagepoint.com/tag/three-bedroom-apartment/)
- [sale-to-list price ratio](https://themortgagepoint.com/tag/sale-to-list-price-ratio/)
- [RE/MAX National Housing Report pending sales](https://themortgagepoint.com/tag/re-max-national-housing-report-pending-sales/)
- [RE/MAX](https://themortgagepoint.com/tag/re-max/)
- [30-year fixed mortgage rate](https://themortgagepoint.com/tag/30-year-fixed-mortgage-rate/)
- [Mortgage-purchase applications](https://themortgagepoint.com/tag/mortgage-purchase-applications/)
- [median sale price](https://themortgagepoint.com/tag/median-sale-price/)
- [inclement weather](https://themortgagepoint.com/tag/inclement-weather/)
- [Housing market update](https://themortgagepoint.com/tag/housing-market-update/)
- [mortgage application payments](https://themortgagepoint.com/tag/mortgage-application-payments/)
- [Purchase Applications Payment Index](https://themortgagepoint.com/tag/purchase-applications-payment-index/)
- [PAPI](https://themortgagepoint.com/tag/papi/)
- [sale-to-list price ratio MBA](https://themortgagepoint.com/tag/sale-to-list-price-ratio-mba/)
- [purchase mortgage applications](https://themortgagepoint.com/tag/purchase-mortgage-applications/)
- [bidding wars](https://themortgagepoint.com/tag/bidding-wars/)
- [Federal Open Market Committee (FOMC)](https://themortgagepoint.com/tag/federal-open-market-committee-fomc/)
- [purchasing power](https://themortgagepoint.com/tag/purchasing-power/)
- [Monthly Budget](https://themortgagepoint.com/tag/monthly-budget/)
- [Rita Falcioni](https://themortgagepoint.com/tag/rita-falcioni/)
- [Law Firms](https://themortgagepoint.com/tag/law-firms/)
- [Deloise Browne-Milner](https://themortgagepoint.com/tag/deloise-browne-milner/)
- [government-sponsored enterprises (GSEs)](https://themortgagepoint.com/tag/government-sponsored-enterprises-gses/)
- [Cooke Demers LLC](https://themortgagepoint.com/tag/cooke-demers-llc/)
- [Graham Kidner](https://themortgagepoint.com/tag/graham-kidner/)
- [Navigating the Mortgage Servicing Landscape: Insights from Government Agencies and Enterprises](https://themortgagepoint.com/tag/navigating-the-mortgage-servicing-landscape-insights-from-government-agencies-and-enterprises/)
- [David Demers](https://themortgagepoint.com/tag/david-demers/)
- [Five Star Institute](https://themortgagepoint.com/tag/five-star-institute/)
- [U.S. Department of Veterans Affairs](https://themortgagepoint.com/tag/u-s-department-of-veterans-affairs/)
- [Investors](https://themortgagepoint.com/tag/investors/)
- [Hannah Jones](https://themortgagepoint.com/tag/hannah-jones/)
- [Investor Share](https://themortgagepoint.com/tag/investor-share/)
- [International Investors](https://themortgagepoint.com/tag/international-investors/)
- [Property Investors](https://themortgagepoint.com/tag/property-investors/)
- [Home Flipping](https://themortgagepoint.com/tag/home-flipping/)
- [Flipping Investor](https://themortgagepoint.com/tag/flipping-investor/)
- [Affordable](https://themortgagepoint.com/tag/affordable/)
- [Low-Income Housing Tax Credit (LIHTC)](https://themortgagepoint.com/tag/low-income-housing-tax-credit-lihtc/)
- [Multifamily Units](https://themortgagepoint.com/tag/multifamily-units/)
- [Duty to Serve](https://themortgagepoint.com/tag/duty-to-serve/)
- [Michael Hecht](https://themortgagepoint.com/tag/michael-hecht/)
- [Greater New Orleans Inc.](https://themortgagepoint.com/tag/greater-new-orleans-inc/)
- [Dr. Daniel Kaniewski](https://themortgagepoint.com/tag/dr-daniel-kaniewski/)
- [Steve Patterson](https://themortgagepoint.com/tag/steve-patterson/)
- [flood maps](https://themortgagepoint.com/tag/flood-maps/)
- [Reauthorization of the National Flood Insurance Program: Local Perspectives on Challenges and Solutions](https://themortgagepoint.com/tag/reauthorization-of-the-national-flood-insurance-program-local-perspectives-on-challenges-and-solutions/)
- [at-risk areas](https://themortgagepoint.com/tag/at-risk-areas/)
- [Senate Banking Committee](https://themortgagepoint.com/tag/senate-banking-committee/)
- [Marsh McLennan](https://themortgagepoint.com/tag/marsh-mclennan/)
- [U.S. Treasury](https://themortgagepoint.com/tag/u-s-treasury/)
- [ATTOM](https://themortgagepoint.com/tag/attom/)
- [Home Profit](https://themortgagepoint.com/tag/home-profit/)
- [Profits](https://themortgagepoint.com/tag/profits/)
- [Selling Profits](https://themortgagepoint.com/tag/selling-profits/)
- [Federal Funding](https://themortgagepoint.com/tag/federal-funding/)
- [Continuum of Care](https://themortgagepoint.com/tag/continuum-of-care/)
- [Violence Against Women Act](https://themortgagepoint.com/tag/violence-against-women-act/)
- [The Federal Strategic Plan to Prevent and End Homelessness](https://themortgagepoint.com/tag/the-federal-strategic-plan-to-prevent-and-end-homelessness/)
- [Luxury Homes](https://themortgagepoint.com/tag/luxury-homes/)
- [non-luxury homes](https://themortgagepoint.com/tag/non-luxury-homes/)
- [Heather Mahmood-Corley](https://themortgagepoint.com/tag/heather-mahmood-corley/)
- [residential properties](https://themortgagepoint.com/tag/residential-properties/)
- [Sheharyar Bokhari](https://themortgagepoint.com/tag/sheharyar-bokhari/)
- [Housing Counseling](https://themortgagepoint.com/tag/housing-counseling/)
- [Marietta Rodriguez](https://themortgagepoint.com/tag/marietta-rodriguez/)
- [Metro Community Development](https://themortgagepoint.com/tag/metro-community-development/)
- [financial barriers](https://themortgagepoint.com/tag/financial-barriers/)
- [financial health](https://themortgagepoint.com/tag/financial-health/)
- [NeighborGood Partners](https://themortgagepoint.com/tag/neighborgood-partners/)
- [Generation X](https://themortgagepoint.com/tag/generation-x/)
- [Neighborworks America](https://themortgagepoint.com/tag/neighborworks-america/)
- [long-term renters](https://themortgagepoint.com/tag/long-term-renters/)
- [Trellis](https://themortgagepoint.com/tag/trellis/)
- [National Consumer Law Center (NCLC)](https://themortgagepoint.com/tag/national-consumer-law-center-nclc/)
- [Racial Wealth Gap](https://themortgagepoint.com/tag/racial-wealth-gap/)
- [Preventing Home Loss](https://themortgagepoint.com/tag/preventing-home-loss/)
- [Wealth Gap](https://themortgagepoint.com/tag/wealth-gap/)
- [Healthy Homes Initiative (HHI)](https://themortgagepoint.com/tag/healthy-homes-initiative-hhi/)
- [Healthy Homes Strategic plan](https://themortgagepoint.com/tag/healthy-homes-strategic-plan/)
- [low-income people](https://themortgagepoint.com/tag/low-income-people/)
- [Home health hazards](https://themortgagepoint.com/tag/home-health-hazards/)
- [Matthew Ammon](https://themortgagepoint.com/tag/matthew-ammon/)
- [Safety hazards](https://themortgagepoint.com/tag/safety-hazards/)
- [Jason Smith](https://themortgagepoint.com/tag/jason-smith/)
- [Child Tax Credit](https://themortgagepoint.com/tag/child-tax-credit/)
- [H.R. 7024](https://themortgagepoint.com/tag/h-r-7024/)
- [Robert D. Broeksmit](https://themortgagepoint.com/tag/robert-d-broeksmit/)
- [Tax Relief for American Families and Workers Act of 2024](https://themortgagepoint.com/tag/tax-relief-for-american-families-and-workers-act-of-2024/)
- [Ron Wyden](https://themortgagepoint.com/tag/ron-wyden/)
- [U.S. House of Representatives](https://themortgagepoint.com/tag/u-s-house-of-representatives/)
- [New Home Builders](https://themortgagepoint.com/tag/new-home-builders/)
- [Home Builders](https://themortgagepoint.com/tag/home-builders/)
- [Job gains](https://themortgagepoint.com/tag/job-gains/)
- [Mike Fratantoni](https://themortgagepoint.com/tag/mike-fratantoni/)
- [Ksenia Potapov](https://themortgagepoint.com/tag/ksenia-potapov/)
- [Mark Palim](https://themortgagepoint.com/tag/mark-palim/)
- [senior leader](https://themortgagepoint.com/tag/senior-leader/)
- [promotion](https://themortgagepoint.com/tag/promotion/)
- [Cenlar](https://themortgagepoint.com/tag/cenlar/)
- [hiring](https://themortgagepoint.com/tag/hiring/)
- [VP](https://themortgagepoint.com/tag/vp/)
- [position](https://themortgagepoint.com/tag/position/)
- [lending](https://themortgagepoint.com/tag/lending/)
- [role](https://themortgagepoint.com/tag/role/)
- [mortgage](https://themortgagepoint.com/tag/mortgage/)
- [servicing](https://themortgagepoint.com/tag/servicing/)
- [CFO](https://themortgagepoint.com/tag/cfo/)
- [COO](https://themortgagepoint.com/tag/coo/)
- [President](https://themortgagepoint.com/tag/president/)
- [Rutledge Claims Management](https://themortgagepoint.com/tag/rutledge-claims-management/)
- [Chief Operations Officer](https://themortgagepoint.com/tag/chief-operations-officer/)
- [Chief Financial Officer](https://themortgagepoint.com/tag/chief-financial-officer/)
- [House Financial Services Committee](https://themortgagepoint.com/tag/house-financial-services-committee/)
- [The Annual Report of the Financial Stability Oversight Council](https://themortgagepoint.com/tag/the-annual-report-of-the-financial-stability-oversight-council/)
- [Janet Yellen](https://themortgagepoint.com/tag/janet-yellen/)
- [Financial Stability Oversight Council (FSOC)](https://themortgagepoint.com/tag/financial-stability-oversight-council-fsoc/)
- [Dodd-Frank Wall Street Reform and Consumer Protection (Dodd-Frank) Act](https://themortgagepoint.com/tag/dodd-frank-wall-street-reform-and-consumer-protection-dodd-frank-act/)
- [banks](https://themortgagepoint.com/tag/banks/)
- [Office of the Comptroller of the Currency](https://themortgagepoint.com/tag/office-of-the-comptroller-of-the-currency/)
- [civil money penalty](https://themortgagepoint.com/tag/civil-money-penalty/)
- [penalty](https://themortgagepoint.com/tag/penalty/)
- [penalties](https://themortgagepoint.com/tag/penalties/)
- [OCC](https://themortgagepoint.com/tag/occ/)
- [risk management](https://themortgagepoint.com/tag/risk-management/)
- [Bank Secrecy Act](https://themortgagepoint.com/tag/bank-secrecy-act/)
- [fines](https://themortgagepoint.com/tag/fines/)
- [CNB](https://themortgagepoint.com/tag/cnb/)
- [City National Bank](https://themortgagepoint.com/tag/city-national-bank/)
- [announcement](https://themortgagepoint.com/tag/announcement/)
- [purchase applications homebuying process](https://themortgagepoint.com/tag/purchase-applications-homebuying-process/)
- [new construction](https://themortgagepoint.com/tag/new-construction/)
- [new construction homes](https://themortgagepoint.com/tag/new-construction-homes/)
- [for-sale homes](https://themortgagepoint.com/tag/for-sale-homes/)
- [First United Bank](https://themortgagepoint.com/tag/first-united-bank/)
- [Brian Johnson](https://themortgagepoint.com/tag/brian-johnson/)
- [Greg Massey](https://themortgagepoint.com/tag/greg-massey/)
- [Commerce Street Capital LLC](https://themortgagepoint.com/tag/commerce-street-capital-llc/)
- [Aspen Grove Solutions](https://themortgagepoint.com/tag/aspen-grove-solutions/)
- [Ed O’Regan](https://themortgagepoint.com/tag/ed-oregan/)
- [Mike McAuliffe](https://themortgagepoint.com/tag/mike-mcauliffe/)
- [Intercontinental Exchange](https://themortgagepoint.com/tag/intercontinental-exchange/)
- [(ICE)](https://themortgagepoint.com/tag/ice/)
- [Mortgage Monitor](https://themortgagepoint.com/tag/mortgage-monitor/)
- [ICE](https://themortgagepoint.com/tag/ice-2/)
- [Andy Walden](https://themortgagepoint.com/tag/andy-walden/)
- [Interest-Rate-Driven](https://themortgagepoint.com/tag/interest-rate-driven/)
- [Refinance Market](https://themortgagepoint.com/tag/refinance-market/)
- [Purchase Market](https://themortgagepoint.com/tag/purchase-market/)
- [First Lien Rate](https://themortgagepoint.com/tag/first-lien-rate/)
- [Rate/Term Refinance](https://themortgagepoint.com/tag/rate-term-refinance/)
- [Equity](https://themortgagepoint.com/tag/equity/)
- [Credit Scores](https://themortgagepoint.com/tag/credit-scores/)
- [area median income (AMI)](https://themortgagepoint.com/tag/area-median-income-ami/)
- [down payment](https://themortgagepoint.com/tag/down-payment/)
- [low-income borrowers](https://themortgagepoint.com/tag/low-income-borrowers/)
- [mortgage insurance premiums](https://themortgagepoint.com/tag/mortgage-insurance-premiums/)
- [rent prices](https://themortgagepoint.com/tag/rent-prices/)
- [rents](https://themortgagepoint.com/tag/rents/)
- [price drops](https://themortgagepoint.com/tag/price-drops/)
- [median asking rent](https://themortgagepoint.com/tag/median-asking-rent/)
- [price declines](https://themortgagepoint.com/tag/price-declines/)
- [non-performing loans (NPLs)](https://themortgagepoint.com/tag/non-performing-loans-npls/)
- [delinquent loans](https://themortgagepoint.com/tag/delinquent-loans/)
- [credit risk](https://themortgagepoint.com/tag/credit-risk/)
- [unpaid principal balance (UPB)](https://themortgagepoint.com/tag/unpaid-principal-balance-upb/)
- [loan-to-value (LTV)](https://themortgagepoint.com/tag/loan-to-value-ltv/)
- [renters homebuying process](https://themortgagepoint.com/tag/renters-homebuying-process/)
- [purchase applications rents](https://themortgagepoint.com/tag/purchase-applications-rents/)
- [for-sale homes pending sales](https://themortgagepoint.com/tag/for-sale-homes-pending-sales/)
- [vacant homes](https://themortgagepoint.com/tag/vacant-homes/)
- [housing shortfall](https://themortgagepoint.com/tag/housing-shortfall/)
- [home vacancies](https://themortgagepoint.com/tag/home-vacancies/)
- [housing crisis](https://themortgagepoint.com/tag/housing-crisis/)
- [MCS](https://themortgagepoint.com/tag/mcs/)
- [Jeff Connell](https://themortgagepoint.com/tag/jeff-connell/)
- [Tracy Hager](https://themortgagepoint.com/tag/tracy-hager/)
- [Chad Mosley](https://themortgagepoint.com/tag/chad-mosley/)
- [Craig Torrance](https://themortgagepoint.com/tag/craig-torrance/)
- [Elizabeth Warren](https://themortgagepoint.com/tag/elizabeth-warren/)
- [John Hickenlooper](https://themortgagepoint.com/tag/john-hickenlooper/)
- [Jacky Rosen](https://themortgagepoint.com/tag/jacky-rosen/)
- [Sheldon Whitehouse](https://themortgagepoint.com/tag/sheldon-whitehouse/)
- [Jerome Powell](https://themortgagepoint.com/tag/jerome-powell/)
- [federal funds rate](https://themortgagepoint.com/tag/federal-funds-rate/)
- [local laws](https://themortgagepoint.com/tag/local-laws/)
- [state laws](https://themortgagepoint.com/tag/state-laws/)
- [housing crisis politics](https://themortgagepoint.com/tag/housing-crisis-politics/)
- [political parties](https://themortgagepoint.com/tag/political-parties/)
- [Redfin survey](https://themortgagepoint.com/tag/redfin-survey/)
- [Federal](https://themortgagepoint.com/tag/federal/)
- [Creditnews Research](https://themortgagepoint.com/tag/creditnews-research/)
- [for-sale homes down payments](https://themortgagepoint.com/tag/for-sale-homes-down-payments/)
- [down payment assistance](https://themortgagepoint.com/tag/down-payment-assistance/)
- [DPA](https://themortgagepoint.com/tag/dpa/)
- [down payment programs](https://themortgagepoint.com/tag/down-payment-programs/)
- [Down Payment Resource](https://themortgagepoint.com/tag/down-payment-resource/)
- [Milken Institute](https://themortgagepoint.com/tag/milken-institute/)
- [Best-Performing Cities](https://themortgagepoint.com/tag/best-performing-cities/)
- [Austin](https://themortgagepoint.com/tag/austin/)
- [Provo](https://themortgagepoint.com/tag/provo/)
- [Best-Performing Cities Index](https://themortgagepoint.com/tag/best-performing-cities-index/)
- [Maggie Switek](https://themortgagepoint.com/tag/maggie-switek/)
- [Kirk Watson](https://themortgagepoint.com/tag/kirk-watson/)
- [Idaho Falls](https://themortgagepoint.com/tag/idaho-falls/)
- [consumer sentiment](https://themortgagepoint.com/tag/consumer-sentiment/)
- [homebuyer optimism homebuying process](https://themortgagepoint.com/tag/homebuyer-optimism-homebuying-process/)
- [mortgage rate sentiment](https://themortgagepoint.com/tag/mortgage-rate-sentiment/)
- [first-time homebuyers](https://themortgagepoint.com/tag/first-time-homebuyers/)
- [securitization](https://themortgagepoint.com/tag/securitization/)
- [Emanuel Cleaver II](https://themortgagepoint.com/tag/emanuel-cleaver-ii/)
- [Maxine Waters](https://themortgagepoint.com/tag/maxine-waters/)
- [Bill Foster](https://themortgagepoint.com/tag/bill-foster/)
- [Joyce Beatty](https://themortgagepoint.com/tag/joyce-beatty/)
- [Stephen Lynch](https://themortgagepoint.com/tag/stephen-lynch/)
- [Al Green](https://themortgagepoint.com/tag/al-green/)
- [Patrick McHenry](https://themortgagepoint.com/tag/patrick-mchenry/)
- [Navy Federal Credit Union (NFCU)](https://themortgagepoint.com/tag/navy-federal-credit-union-nfcu/)
- [racial lending](https://themortgagepoint.com/tag/racial-lending/)
- [Urban](https://themortgagepoint.com/tag/urban/)
- [Suburbs](https://themortgagepoint.com/tag/suburbs/)
- [Rural](https://themortgagepoint.com/tag/rural/)
- [Black homeownership](https://themortgagepoint.com/tag/black-homeownership/)
- [Black homebuyers](https://themortgagepoint.com/tag/black-homebuyers/)
- [Americans](https://themortgagepoint.com/tag/americans/)
- [Single Americans](https://themortgagepoint.com/tag/single-americans/)
- [Single homeowners](https://themortgagepoint.com/tag/single-homeowners/)
- [Single homebuyers](https://themortgagepoint.com/tag/single-homebuyers/)
- [credit bureaus](https://themortgagepoint.com/tag/credit-bureaus/)
- [Ritchie Torres](https://themortgagepoint.com/tag/ritchie-torres/)
- [Jack Reed](https://themortgagepoint.com/tag/jack-reed/)
- [S. 3502](https://themortgagepoint.com/tag/s-3502/)
- [Bill Hagerty](https://themortgagepoint.com/tag/bill-hagerty/)
- [Bob Broeksmit](https://themortgagepoint.com/tag/bob-broeksmit/)
- [John Rose](https://themortgagepoint.com/tag/john-rose/)
- [National Association of Mortgage Bankers (NAMB)](https://themortgagepoint.com/tag/national-association-of-mortgage-bankers-namb/)
- [Andy Ogles](https://themortgagepoint.com/tag/andy-ogles/)
- [Bill Posey](https://themortgagepoint.com/tag/bill-posey/)
- [Independent Community Bankers Association (ICBA)](https://themortgagepoint.com/tag/independent-community-bankers-association-icba/)
- [Wiley Nickel](https://themortgagepoint.com/tag/wiley-nickel/)
- [Broker Action Coalition](https://themortgagepoint.com/tag/broker-action-coalition/)
- [American Bankers Association (ABA)](https://themortgagepoint.com/tag/american-bankers-association-aba/)
- [Jack Bergman](https://themortgagepoint.com/tag/jack-bergman/)
- [Monica De La Cruz](https://themortgagepoint.com/tag/monica-de-la-cruz/)
- [Dusty Johns](https://themortgagepoint.com/tag/dusty-johns/)
- [Brittany Pettersen](https://themortgagepoint.com/tag/brittany-pettersen/)
- [Blaine Luetkemeyer](https://themortgagepoint.com/tag/blaine-luetkemeyer/)
- [Homebuyers Privacy Protection Act](https://themortgagepoint.com/tag/homebuyers-privacy-protection-act/)
- [French Hill](https://themortgagepoint.com/tag/french-hill/)
- [trigger lead](https://themortgagepoint.com/tag/trigger-lead/)
- [JCHS](https://themortgagepoint.com/tag/jchs/)
- [Joint Center for Housing Studies](https://themortgagepoint.com/tag/joint-center-for-housing-studies/)
- [Buyer purchasing power](https://themortgagepoint.com/tag/buyer-purchasing-power/)
- [Homebuyer power](https://themortgagepoint.com/tag/homebuyer-power/)
- [Housing Market Report](https://themortgagepoint.com/tag/housing-market-report/)
- [Tenants](https://themortgagepoint.com/tag/tenants/)
- [Avail](https://themortgagepoint.com/tag/avail/)
- [Metropolitan Areas](https://themortgagepoint.com/tag/metropolitan-areas/)
- [Fourth Quarter](https://themortgagepoint.com/tag/fourth-quarter/)
- [Median Single-Family Existing-Home Price](https://themortgagepoint.com/tag/median-single-family-existing-home-price/)
- [South](https://themortgagepoint.com/tag/south/)
- [West](https://themortgagepoint.com/tag/west/)
- [Midwest](https://themortgagepoint.com/tag/midwest/)
- [Monthly Mortgage Payments](https://themortgagepoint.com/tag/monthly-mortgage-payments/)
- [Mortgage Bankers Association’s (MBA)](https://themortgagepoint.com/tag/mortgage-bankers-associations-mba/)
- [National Delinquency Survey](https://themortgagepoint.com/tag/national-delinquency-survey/)
- [delinquency rate](https://themortgagepoint.com/tag/delinquency-rate/)
- [FHA delinquencies](https://themortgagepoint.com/tag/fha-delinquencies/)
- [mortgage originations](https://themortgagepoint.com/tag/mortgage-originations/)
- [TransUnion Q4 2023 Quarterly Credit Industry Insights Report](https://themortgagepoint.com/tag/transunion-q4-2023-quarterly-credit-industry-insights-report/)
- [credit](https://themortgagepoint.com/tag/credit/)
- [CIIR](https://themortgagepoint.com/tag/ciir/)
- [origination volumes](https://themortgagepoint.com/tag/origination-volumes/)
- [credit card balances](https://themortgagepoint.com/tag/credit-card-balances/)
- [Silent generation](https://themortgagepoint.com/tag/silent-generation/)
- [mortgage credit](https://themortgagepoint.com/tag/mortgage-credit/)
- [Mortgage Credit Availability Index (MCAI)](https://themortgagepoint.com/tag/mortgage-credit-availability-index-mcai/)
- [Conventional MCAI](https://themortgagepoint.com/tag/conventional-mcai/)
- [Jumbo MCAI](https://themortgagepoint.com/tag/jumbo-mcai/)
- [Government MCAI](https://themortgagepoint.com/tag/government-mcai/)
- [credit supply](https://themortgagepoint.com/tag/credit-supply/)
- [Biden-Harris Administration](https://themortgagepoint.com/tag/biden-harris-administration/)
- [health sectors](https://themortgagepoint.com/tag/health-sectors/)
- [Department of Housing and Urban Development](https://themortgagepoint.com/tag/department-of-housing-and-urban-development/)
- [housing assistance](https://themortgagepoint.com/tag/housing-assistance/)
- [HHS](https://themortgagepoint.com/tag/hhs/)
- [Accelerator](https://themortgagepoint.com/tag/accelerator/)
- [health resources](https://themortgagepoint.com/tag/health-resources/)
- [Housing and Services Partnership Accelerator](https://themortgagepoint.com/tag/housing-and-services-partnership-accelerator/)
- [Release](https://themortgagepoint.com/tag/release/)
- [Program](https://themortgagepoint.com/tag/program/)
- [assistance](https://themortgagepoint.com/tag/assistance/)
- [Secretary Marcia L. Fudge](https://themortgagepoint.com/tag/secretary-marcia-l-fudge/)
- [Homelessness program](https://themortgagepoint.com/tag/homelessness-program/)
- [federal programs](https://themortgagepoint.com/tag/federal-programs/)
- [resources](https://themortgagepoint.com/tag/resources/)
- [program access](https://themortgagepoint.com/tag/program-access/)
- [housing transitions](https://themortgagepoint.com/tag/housing-transitions/)
- [U.S.](https://themortgagepoint.com/tag/u-s/)
- [Press release](https://themortgagepoint.com/tag/press-release/)
- [health-related needs](https://themortgagepoint.com/tag/health-related-needs/)
- [government resources](https://themortgagepoint.com/tag/government-resources/)
- [U.S. Department of Health and Human Services](https://themortgagepoint.com/tag/u-s-department-of-health-and-human-services/)
- [Unhoused](https://themortgagepoint.com/tag/unhoused/)
- [aging](https://themortgagepoint.com/tag/aging/)
- [Unhoused people](https://themortgagepoint.com/tag/unhoused-people/)
- [Secretary Xavier Becerra](https://themortgagepoint.com/tag/secretary-xavier-becerra/)
- [housing availability](https://themortgagepoint.com/tag/housing-availability/)
- [Harvard Joint Center for Housing Studies](https://themortgagepoint.com/tag/harvard-joint-center-for-housing-studies/)
- [The Potential and Challenges of Using Manufactured Housing to Expand Homeownership Opportunities](https://themortgagepoint.com/tag/the-potential-and-challenges-of-using-manufactured-housing-to-expand-homeownership-opportunities/)
- [manufactured housing](https://themortgagepoint.com/tag/manufactured-housing/)
- [entry-level homes](https://themortgagepoint.com/tag/entry-level-homes/)
- [Chris Herbert](https://themortgagepoint.com/tag/chris-herbert/)
- [urban development](https://themortgagepoint.com/tag/urban-development/)
- [A Shared Future: Fostering Communities of Inclusion in an Era of Inequality](https://themortgagepoint.com/tag/a-shared-future-fostering-communities-of-inclusion-in-an-era-of-inequality/)
- [Homeownership Built to Last: Balancing Access](https://themortgagepoint.com/tag/homeownership-built-to-last-balancing-access/)
- [and Risk After the Housing Crisis](https://themortgagepoint.com/tag/and-risk-after-the-housing-crisis/)
- [Consumer Financial Protection Bureau](https://themortgagepoint.com/tag/consumer-financial-protection-bureau/)
- [CFPB](https://themortgagepoint.com/tag/cfpb/)
- [legal group](https://themortgagepoint.com/tag/legal-group/)
- [foreclosure relief fraud](https://themortgagepoint.com/tag/foreclosure-relief-fraud/)
- [defendants](https://themortgagepoint.com/tag/defendants/)
- [foreclosure relief scam operations](https://themortgagepoint.com/tag/foreclosure-relief-scam-operations/)
- [restitution](https://themortgagepoint.com/tag/restitution/)
- [judgment](https://themortgagepoint.com/tag/judgment/)
- [law firm](https://themortgagepoint.com/tag/law-firm/)
- [Federal Trade Commission](https://themortgagepoint.com/tag/federal-trade-commission/)
- [distressed homeowners](https://themortgagepoint.com/tag/distressed-homeowners/)
- [consumers](https://themortgagepoint.com/tag/consumers/)
- [foreclosure relief scam](https://themortgagepoint.com/tag/foreclosure-relief-scam/)
- [lawsuit](https://themortgagepoint.com/tag/lawsuit/)
- [plaintiffs](https://themortgagepoint.com/tag/plaintiffs/)
- [relief funds](https://themortgagepoint.com/tag/relief-funds/)
- [FTC](https://themortgagepoint.com/tag/ftc/)
- [enforcement action](https://themortgagepoint.com/tag/enforcement-action/)
- [Rent Growth](https://themortgagepoint.com/tag/rent-growth/)
- [Vacancy Rate](https://themortgagepoint.com/tag/vacancy-rate/)
- [Servicer Total Achievement and Rewards (STAR) Program](https://themortgagepoint.com/tag/servicer-total-achievement-and-rewards-star-program/)
- [mortgage servicers](https://themortgagepoint.com/tag/mortgage-servicers/)
- [Cyndi Danko](https://themortgagepoint.com/tag/cyndi-danko/)
- [Fifth Third Bank](https://themortgagepoint.com/tag/fifth-third-bank/)
- [Carrington Mortgage Services](https://themortgagepoint.com/tag/carrington-mortgage-services/)
- [Freedom Mortgage Corporation](https://themortgagepoint.com/tag/freedom-mortgage-corporation/)
- [Guild Mortgage Company LLC](https://themortgagepoint.com/tag/guild-mortgage-company-llc/)
- [Iowa Bankers Mortgage Corporation](https://themortgagepoint.com/tag/iowa-bankers-mortgage-corporation/)
- [JPMorgan Chase Bank](https://themortgagepoint.com/tag/jpmorgan-chase-bank/)
- [LoanCare LLC](https://themortgagepoint.com/tag/loancare-llc/)
- [Provident Funding Associates LP](https://themortgagepoint.com/tag/provident-funding-associates-lp/)
- [Regions Bank](https://themortgagepoint.com/tag/regions-bank/)
- [ServiceMac LLC](https://themortgagepoint.com/tag/servicemac-llc/)
- [Cenlar Federal Savings Bank](https://themortgagepoint.com/tag/cenlar-federal-savings-bank/)
- [Mortgage Clearing House](https://themortgagepoint.com/tag/mortgage-clearing-house/)
- [RoundPoint Mortgage Servicing LLC](https://themortgagepoint.com/tag/roundpoint-mortgage-servicing-llc/)
- [US Bank NA](https://themortgagepoint.com/tag/us-bank-na/)
- [BOKF](https://themortgagepoint.com/tag/bokf/)
- [National Association](https://themortgagepoint.com/tag/national-association/)
- [M&T Bank Corporation](https://themortgagepoint.com/tag/mt-bank-corporation/)
- [PennyMac](https://themortgagepoint.com/tag/pennymac/)
- [PHH Corporation](https://themortgagepoint.com/tag/phh-corporation/)
- [Planet Home Lending LLC](https://themortgagepoint.com/tag/planet-home-lending-llc/)
- [PNC Bank](https://themortgagepoint.com/tag/pnc-bank/)
- [Truist Bank](https://themortgagepoint.com/tag/truist-bank/)
- [Flagstar Bancorp Inc.](https://themortgagepoint.com/tag/flagstar-bancorp-inc/)
- [Wells Fargo Bank](https://themortgagepoint.com/tag/wells-fargo-bank/)
- [Rocket Mortgage LLC](https://themortgagepoint.com/tag/rocket-mortgage-llc/)
- [Newrez LLC](https://themortgagepoint.com/tag/newrez-llc/)
- [Homebuyer competition](https://themortgagepoint.com/tag/homebuyer-competition/)
- [price growth](https://themortgagepoint.com/tag/price-growth/)
- [listing activity](https://themortgagepoint.com/tag/listing-activity/)
- [Bright MLS](https://themortgagepoint.com/tag/bright-mls/)
- [2024 market forecast](https://themortgagepoint.com/tag/2024-market-forecast/)
- [affordable markets](https://themortgagepoint.com/tag/affordable-markets/)
- [FORCE Connect](https://themortgagepoint.com/tag/force-connect/)
- [FORCE members](https://themortgagepoint.com/tag/force-members/)
- [networking](https://themortgagepoint.com/tag/networking/)
- [couples](https://themortgagepoint.com/tag/couples/)
- [singles](https://themortgagepoint.com/tag/singles/)
- [Point2](https://themortgagepoint.com/tag/point2/)
- [bankruptcy case](https://themortgagepoint.com/tag/bankruptcy-case/)
- [bankruptcy estate](https://themortgagepoint.com/tag/bankruptcy-estate/)
- [homestead exemption](https://themortgagepoint.com/tag/homestead-exemption/)
- [Court of Appeals for the Ninth Circuit](https://themortgagepoint.com/tag/court-of-appeals-for-the-ninth-circuit/)
- [Chapter 7 bankruptcy](https://themortgagepoint.com/tag/chapter-7-bankruptcy/)
- [ankruptcy Appellate Panel](https://themortgagepoint.com/tag/ankruptcy-appellate-panel/)
- [Javonne Phillips Boyer](https://themortgagepoint.com/tag/javonne-phillips-boyer/)
- [McCarthy & Holthus LLP](https://themortgagepoint.com/tag/mccarthy-holthus-llp/)
- [The Money Store](https://themortgagepoint.com/tag/the-money-store/)
- [Peter Alvarez](https://themortgagepoint.com/tag/peter-alvarez/)
- [Draper and Kramer Mortgage Corporation](https://themortgagepoint.com/tag/draper-and-kramer-mortgage-corporation/)
- [Coleen Bogle](https://themortgagepoint.com/tag/coleen-bogle/)
- [marketing services](https://themortgagepoint.com/tag/marketing-services/)
- [Most desirable markets](https://themortgagepoint.com/tag/most-desirable-markets/)
- [first-time buyers](https://themortgagepoint.com/tag/first-time-buyers/)
- [worst markets](https://themortgagepoint.com/tag/worst-markets/)
- [Todd Maki](https://themortgagepoint.com/tag/todd-maki/)
- [Snapdocs](https://themortgagepoint.com/tag/snapdocs/)
- [transaction volumes](https://themortgagepoint.com/tag/transaction-volumes/)
- [Digital closings](https://themortgagepoint.com/tag/digital-closings/)
- [eClose technology](https://themortgagepoint.com/tag/eclose-technology/)
- [Mortgage Bankers Association’s (MBA) Quarterly Survey of Commercial/Multifamily Mortgage Bankers Originations](https://themortgagepoint.com/tag/mortgage-bankers-associations-mba-quarterly-survey-of-commercial-multifamily-mortgage-bankers-originations/)
- [commercial](https://themortgagepoint.com/tag/commercial/)
- [multifamily mortgage loan originations](https://themortgagepoint.com/tag/multifamily-mortgage-loan-originations/)
- [multifamily properties](https://themortgagepoint.com/tag/multifamily-properties/)
- [Air Quality](https://themortgagepoint.com/tag/air-quality/)
- [Environmental Protection Agency (EPA)](https://themortgagepoint.com/tag/environmental-protection-agency-epa/)
- [First Street](https://themortgagepoint.com/tag/first-street/)
- [Risk](https://themortgagepoint.com/tag/risk/)
- [Rent VS Own](https://themortgagepoint.com/tag/rent-vs-own/)
- [Jacob Channel](https://themortgagepoint.com/tag/jacob-channel/)
- [Median Monthly Housing Costs](https://themortgagepoint.com/tag/median-monthly-housing-costs/)
- [Median Monthly Gross Rent](https://themortgagepoint.com/tag/median-monthly-gross-rent/)
- [Median Housing Cost](https://themortgagepoint.com/tag/median-housing-cost/)
- [Executive Order 14091](https://themortgagepoint.com/tag/executive-order-14091/)
- [2023 Update to its Equity Action Plan](https://themortgagepoint.com/tag/2023-update-to-its-equity-action-plan/)
- [Biden Administration](https://themortgagepoint.com/tag/biden-administration/)
- [Advancing Racial Equity and Support for Underserved Communities Through the Federal Government](https://themortgagepoint.com/tag/advancing-racial-equity-and-support-for-underserved-communities-through-the-federal-government/)
- [HUD’s Equity Action Plan](https://themortgagepoint.com/tag/huds-equity-action-plan/)
- [Discriminatory Effects Rule](https://themortgagepoint.com/tag/discriminatory-effects-rule/)
- [Repossessions](https://themortgagepoint.com/tag/repossessions/)
- [Joel Rickman](https://themortgagepoint.com/tag/joel-rickman/)
- [Equifax](https://themortgagepoint.com/tag/equifax/)
- [The Work Number](https://themortgagepoint.com/tag/the-work-number/)
- [home equity line of credit](https://themortgagepoint.com/tag/home-equity-line-of-credit/)
- [HELOC](https://themortgagepoint.com/tag/heloc/)
- [home improvements](https://themortgagepoint.com/tag/home-improvements/)
- [debt consolidation](https://themortgagepoint.com/tag/debt-consolidation/)
- [educational expenses](https://themortgagepoint.com/tag/educational-expenses/)
- [investments](https://themortgagepoint.com/tag/investments/)
- [median home price](https://themortgagepoint.com/tag/median-home-price/)
- [Fair Credit Reporting Act (FCRA)](https://themortgagepoint.com/tag/fair-credit-reporting-act-fcra/)
- [Freddie Mac’s Primary Mortgage Market Survey (PMMS)](https://themortgagepoint.com/tag/freddie-macs-primary-mortgage-market-survey-pmms/)
- [Underwriting](https://themortgagepoint.com/tag/underwriting/)
- [debt-to-income (DTI) ratio](https://themortgagepoint.com/tag/debt-to-income-dti-ratio/)
- [Creditnews pending sales](https://themortgagepoint.com/tag/creditnews-pending-sales/)
- [most affordable homes](https://themortgagepoint.com/tag/most-affordable-homes/)
- [median rents](https://themortgagepoint.com/tag/median-rents/)
- [Affordable rent](https://themortgagepoint.com/tag/affordable-rent/)
- [Eric Wilson](https://themortgagepoint.com/tag/eric-wilson/)
- [Jonathan Kunkle](https://themortgagepoint.com/tag/jonathan-kunkle/)
- [market intelligence](https://themortgagepoint.com/tag/market-intelligence/)
- [Kevin Kauffman](https://themortgagepoint.com/tag/kevin-kauffman/)
- [Covius Holdings Inc.](https://themortgagepoint.com/tag/covius-holdings-inc/)
- [LenderLive Network](https://themortgagepoint.com/tag/lenderlive-network/)
- [Roy Swan](https://themortgagepoint.com/tag/roy-swan/)
- [Carver Federal Savings Bank](https://themortgagepoint.com/tag/carver-federal-savings-bank/)
- [Time Warner Inc.](https://themortgagepoint.com/tag/time-warner-inc/)
- [JPMorgan Chase](https://themortgagepoint.com/tag/jpmorgan-chase/)
- [Priscilla Almodovar](https://themortgagepoint.com/tag/priscilla-almodovar/)
- [Michael J. DeVito](https://themortgagepoint.com/tag/michael-j-devito/)
- [credit losses](https://themortgagepoint.com/tag/credit-losses/)
- [home purchases](https://themortgagepoint.com/tag/home-purchases/)
- [refinancings](https://themortgagepoint.com/tag/refinancings/)
- [U.S. House Committee on Veterans’ Affairs](https://themortgagepoint.com/tag/u-s-house-committee-on-veterans-affairs/)
- [mortgage interest rates](https://themortgagepoint.com/tag/mortgage-interest-rates/)
- [John E. Bell](https://themortgagepoint.com/tag/john-e-bell/)
- [Executive Director](https://themortgagepoint.com/tag/executive-director/)
- [Loan Guaranty Service](https://themortgagepoint.com/tag/loan-guaranty-service/)
- [Edward J. DeMarco](https://themortgagepoint.com/tag/edward-j-demarco/)
- [Housing Policy Council](https://themortgagepoint.com/tag/housing-policy-council/)
- [Mark Jones](https://themortgagepoint.com/tag/mark-jones/)
- [Union Home Mortgage](https://themortgagepoint.com/tag/union-home-mortgage/)
- [Union Home Mortgage on behalf of the Mortgage Bankers Association (MBA)](https://themortgagepoint.com/tag/union-home-mortgage-on-behalf-of-the-mortgage-bankers-association-mba/)
- [Steve Sharpe](https://themortgagepoint.com/tag/steve-sharpe/)
- [Staff Attorney](https://themortgagepoint.com/tag/staff-attorney/)
- [U.S. Department of Agriculture](https://themortgagepoint.com/tag/u-s-department-of-agriculture/)
- [and the government-sponsored enterprises (GSEs)](https://themortgagepoint.com/tag/and-the-government-sponsored-enterprises-gses/)
- [COVID-19 Refund Modification program](https://themortgagepoint.com/tag/covid-19-refund-modification-program/)
- [VA Servicing Purchase (VASP) program](https://themortgagepoint.com/tag/va-servicing-purchase-vasp-program/)
- [Home shoppers](https://themortgagepoint.com/tag/home-shoppers/)
- [sellers](https://themortgagepoint.com/tag/sellers/)
- [Price cuts](https://themortgagepoint.com/tag/price-cuts/)
- [rentals](https://themortgagepoint.com/tag/rentals/)
- [Consolidated Analytics (CA)](https://themortgagepoint.com/tag/consolidated-analytics-ca/)
- [loanDNA](https://themortgagepoint.com/tag/loandna/)
- [quality control](https://themortgagepoint.com/tag/quality-control/)
- [QC workflows](https://themortgagepoint.com/tag/qc-workflows/)
- [mitigate risks](https://themortgagepoint.com/tag/mitigate-risks/)
- [Arvin Wijay](https://themortgagepoint.com/tag/arvin-wijay/)
- [automated workflows](https://themortgagepoint.com/tag/automated-workflows/)
- [quality control technology](https://themortgagepoint.com/tag/quality-control-technology/)
- [Real Info Inc.](https://themortgagepoint.com/tag/real-info-inc/)
- [valuation solutions](https://themortgagepoint.com/tag/valuation-solutions/)
- [Jim Kirchmeyer](https://themortgagepoint.com/tag/jim-kirchmeyer/)
- [market value](https://themortgagepoint.com/tag/market-value/)
- [Census Tracts](https://themortgagepoint.com/tag/census-tracts/)
- [Opportunity Zones](https://themortgagepoint.com/tag/opportunity-zones/)
- [Tax Cuts and Jobs Act of 2017](https://themortgagepoint.com/tag/tax-cuts-and-jobs-act-of-2017/)
- [Low-Income Neighborhoods](https://themortgagepoint.com/tag/low-income-neighborhoods/)
- [boomers](https://themortgagepoint.com/tag/boomers/)
- [generation gap](https://themortgagepoint.com/tag/generation-gap/)
- [inventory shortage](https://themortgagepoint.com/tag/inventory-shortage/)
- [Homes](https://themortgagepoint.com/tag/homes/)

## Publication Categories

- [MReport](https://themortgagepoint.com/publication-category/mreport/)
- [DS News](https://themortgagepoint.com/publication-category/ds-news/)
- [Mortgage Point](https://themortgagepoint.com/publication-category/mortgage-point/)
- [REO Red Book](https://themortgagepoint.com/publication-category/reo-red-book/)

## Publication Tags

- [Featured](https://themortgagepoint.com/publications/featured/)