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December 2025

Manufactured housing may get lending relief in defense bill

Homebuilders, Housing markets, Originations, Regulation and compliance /

A key housing provision in the government defense spending bill currently under negotiation in Congress will expand the federal definition of manufactured housing and ultimately ease lending for such units if adopted. Tucked within the latest National Defense Authorization Act are new regulations to remove “permanent chassis” language in current codes. In addition to striking […]

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Consumer spending stalled in September, inflation in line

Economic indicators /

US consumer spending stalled in September, suggesting Americans were already stretched going into the government shutdown in the face of stubborn inflation. Consumer spending, adjusted for changes in prices, was little changed in September, according to Bureau of Economic Analysis data out Friday. That followed a downwardly revised 0.2% advance in August. The report was

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Senate Democrats want FHFA chief Pulte to testify by January

FHFA, Mortgage Fraud, Politics and policy /

Senate Democrats are pressing their Republican colleagues to summon the Trump administration’s top housing regulator to Capitol Hill for questioning about his turbulent tenure overseeing the nation’s $13 trillion mortgage market.  Federal Housing Finance Agency Director Bill Pulte should be called to testify before lawmakers no later than the end of January, the Democratic members

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Demand builds for 2026 as home buyers wait for better prices

Housing affordability, Housing markets, MARKETING TO BORROWERS, Originations /

Affordability issues have forced potential homebuyers to the rental market in recent years, but a new industry report shows many prospective buyers have plans to purchase a home in 2026. A recent consumer survey conducted by Remax found 88% of respondents said they are “very” or “somewhat likely” to purchase a home next year. At

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CFPB’s enforcement chief resigns, citing ‘no path’ forward

CFPB’s enforcement chief resigns, citing ‘no path’ forward

Litigation, Regulation and compliance, Trump administration /

Bloomberg News Key Insight: The CFPB’s enforcement chief called the November nomination of a permanent director a “technical maneuver,” with no plans for permanent leadership at the agency. What’s at Stake: Three enforcement directors have resigned from the CFPB this year, a sign of the massive upheaval created by the Trump administration. Expert Quote: “There

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NYC to get 12,000 new apartments from outdated office buildings

Construction industry, Housing Inventory, Rentals /

New York developers are transforming struggling office buildings into more than 12,000 new apartments in a bid to help offset the city’s worst housing crisis in decades.  Most of the units are either starting or completing construction next year and over 3,000 of them will be earmarked as permanently affordable homes, according to a new

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GSE stock move stirs fears of advantage for big banks

Fannie Mae, Freddie Mac, GSE Reform, GSEs, The Great American Mortgage Corporation /

As policymakers mull a potential stock offering that would distance Fannie Mae and Freddie Mac from conservatorship, speculation about the impact on various parts of the business’ ecosystem has run rife. Wall Street and big financial institutions in general, which have been in consultation with the Trump administration in regard to an offering, stand to

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From HELOCs to blockchain: home equity moves forward

From HELOCs to blockchain: home equity moves forward

Blockchain, Credit cards, HELOANs, HELOCs, Home equity loans, Underwriting /

U.S. lenders are racing to tap homeowners’ record equity, rolling out new HELOCs, non-QM loans, and even blockchain-backed products to capture market share.   Boston Consulting Group’s third quarter recap noted that banks are focusing their mortgage operations on deepening customer relationships in order to grow, and this includes increasing second-lien lending. “Lenders continue to expand

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