Scaling from Freelancer to Business Owner

Principal will be distributed pro rata among the senior A1 through A3 certificates, and subordinate bonds will not receive any principal until all senior classes are reduced to zero. View the full article

Three US senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing Fannie Mae and Freddie Mac to growing risks tied to climate-driven insurer failures. View the full article

A rise in issuance of nonqualified mortgages and seconds is in the forecast but home prices, credit and the GSEs may impact private-label bonds' trajectory. View the full article

Home prices rose 0.2% nationally month-over-month in November, but there were an estimated 37.2% more sellers than buyers in the market, Redfin said. View the full article

National Mortgage News takes a look back at some of the major or unique transactions which went on, or in some cases didn't happen, in the past 12 months. View the full article

Under a proposed rule, the agency would let most nationally chartered firms off the hook for heightened regulatory standards. The rule would raise the bar from $50 billion to $700 billion of assets and leave only eight firms subject to heightened regulation. View the full article

This year it took a homebuyer seven years to save for a typical down payment on a house, compared with 12, according to Realtor.com. View the full article

As CFPB oversight recedes, servicers are turning to FHA, VA and state rules for guidance, with distressed loan compliance, redefaults and local registration risks rising in 2026. View the full article

Three U.S. senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing taxpayers to growing risks tied to climate-driven insurer failures. View the full article

The new regulation, which passed overwhelmingly in the state legislature, would allow insurers to remove wildfire protections from standard homeowners policies. View the full article

National home prices grew monthly and annually in October, but considerably less than last year, according to S&P Dow Jones Indices. View the full article

AI's capabilities far exceed how the technology is being used in mortgage, but an all-in strategy will quickly put companies ahead of the pack, leaders say. View the full article

A definitive move could occur as early as fiscal year 2026 or take until 2033, depending on what the government is willing to do, according to one analyst. View the full article

The government-sponsored enterprise is under fire from dozens of the more than 100 workers it fired last spring for allegedly committing fraud. View the full article

Brinton joins the mortgage industry trade group after previously holding accounting leadership positions at a range of business organizations and nonprofits. View the full article

The impact of extreme weather remains top of mind for many, with a majority of homeowners citing it as a factor behind purchase or relocation considerations. View the full article

Late last year, commercial bank holdings of mortgage paper reached the highest level since 2023 as these depositories are flush with deposits. View the full article

"These changes reflect adjustments we're making to ensure our staffing levels, locations and expertise align with current business needs; efficiencies we have gained through technology; and progress against our transformation work," the company said in a statement. View the full article

Total lock volume increased 2% from November and finished 30% higher than last December, according to Optimal Blue's latest Market Advantage report. View the full article

Executives surveyed by American Banker said companies vying to wrestle market share from banks are a major threat to operations in the coming year. View the full article

Rates actually declined or remained flat over a two-year period in 15 states, including Florida, with natural disasters and tariffs affecting 2026's movements. View the full article

The government-sponsored enterprises plan to back off competition with the FHA and some think they'll incentivize different loan types. Part 4 in a series. View the full article

A bipartisan housing provision has emerged as a critical negotiating point for passage of an uncommonly bank-relevant defense authorization bill. View the full article