Trigger Leads Are Being Shut Down, Here’s What That Means If you’ve ever applied for a mortgage and suddenly received a flood of calls, texts, or emails from lenders you’ve never heard of, you’re not alone. But that’s changing. As…
Freddie Mac now allows up to 95% LTV on 2- to 4-unit primary residences. Effective for mortgages with settlement dates on or after September 29, 2025, Freddie Mac has updated its guidelines to expand financing opportunities for multi-unit primary residences…
Understanding the possible ripple effects on affordability and lending if Fannie Mae and Freddie Mac Go Back To Private Ever wondered how mortgage rates would shift if Fannie Mae and Freddie Mac left conservatorship and returned to full private ownership?…
Helping More Buyers Get Into Homes: Conventional 1% Down Program Buying a home is one of the biggest financial steps most people will ever take, but for many, saving up a large down payment is a real hurdle. If that…
FHFA Opens Door to Cryptocurrency in Mortgage Risk Assessments: What It Means for Borrowers and the Housing Industry In a move that could dramatically shift how we think about wealth in mortgage underwriting, the Federal Housing Finance Agency (FHFA) has…
What the CFPB Layoffs Could Mean for Mortgage Brokers, Lenders, and Consumers The Consumer Financial Protection Bureau (CFPB) recently announced a staggering round of layoffs, letting go of nearly 90% of its staff. This move has set off alarm bells…
What happens when too much leverage enters the safest market in the world. The bond market is currently under scrutiny due to a complex and potentially risky strategy known as the "basis trade," which has amassed an estimated $800 billion…
What It Means for Borrowers and the Industry In a significant policy shift, the Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to terminate their involvement in Special Purpose Credit Programs (SPCPs). The announcement, made end…
Important FHA Loan Update The Federal Housing Administration (FHA) has issued an important policy update that will impact borrower eligibility for FHA-insured mortgages. Mortgagee Letter 2025-09, released on March 26, 2025, outlines a significant change to residency requirements for FHA…
What You Need to Know About These Flexible Financing Options In today’s shifting housing market, more borrowers are turning to non-QM (non-Qualified Mortgage) loans as a flexible alternative to traditional lending. Whether you're a real estate investor, self-employed borrower, or…
