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December 2025

DSCR loans became an investor favorite in 2025

Fairway Home Mortgage, HWmember, LendingLife, LoanLogics, Mortgage, Non-QM, Origination, Real Estate Investing, Rental Properties, Secondary market /

For real estate investors sidelined by traditional income documentation requirements, debt-service-coverage ratio (DSCR) loans are becoming easier to access and are more widely available as lenders refine underwriting and gain confidence in the product’s performance. Like other seemingly “nontraditional” loans, lenders took some time to dip their toes into in the DSCR market. Marc Halpern, […]

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Housing market favoring buyers, but prices still tick up

Housing market favoring buyers, but prices still tick up

Home Prices, Housing markets, Industry News, Originations /

Houses stand in this aerial photograph taken near Mountain View, California, U.S., on Wednesday, Oct. 23, 2019. Facebook Inc. is following other tech titans like Microsoft Corp. and Google, pledging to use its deep pockets to ease the affordable housing shortage in West Coast cities. The social media giant said that it would commit $1

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MLO fined, barred in 21 states for alleged education fraud

CAREER & COMPENSATION, Certifications and licensing, Continuing Education, Originations, Regulation and compliance /

A mortgage loan originator has settled a coordination action brought by 21 states which permanently bars him from working in the industry in 19 of those. Processing Content Patrick Terrance Donlon, worked for Trusted American Mortgage, disputed the findings but settled the “regulatory concerns without the time, expense, and uncertainty of contesting the findings in

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400 Capital sues over alleged fee-grab tactic in CMBS loan

Distressed, Mortgage defaults, Securitization, Servicing /

A $130 million loan tied to Midtown Manhattan properties is at the center of a lawsuit that accuses a firm hired to ensure the debt is repaid of self-serving tactics. Processing Content Rialto Capital, tasked with overseeing the loan on behalf of investors, allegedly engineered a way to keep it in default so that the

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Lawmakers launch probe into key insurance rating firm in Florida

Homeowners insurance, Natural disasters, Secondary markets, Securitization /

Three U.S. senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing Fannie Mae and Freddie Mac — and ultimately taxpayers — to growing risks tied to climate-driven insurer failures. Processing Content In a letter sent Tuesday to Fannie Mae acting Chief Executive Officer Peter Akwaboah and Freddie Mac CEO Kenny Smith,

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FHLB borrowing share stayed range-bound in 2023 for most

Politics and policy, Secondary markets /

Federal Home Loan Bank members’ borrowing as a share of total assets increased in stressed environments but the majority did not see excessive increases like Silvergate’s, the Government Accountability Office found. Processing Content Former warehouse lender-turned-crypto specialist, Silvergate Bank, was an outlier in increasing its ratio 33% just before the 2023 crisis which led to

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Crypto-backed mortgages test risk and reward for lenders

Cryptocurrency, Originations, Servicing, Underwriting /

As the Trump administration pushes crypto further into the mainstream, some lenders are testing whether digital assets can open the door for borrowers who don’t fit the traditional mold and whether the trade-off is worth the risk. Processing Content In June, the Federal Housing Finance Agency director Bill Pulte urged Fannie Mae and Freddie Mac

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Turning a House Into a Home: The Benefits You Can Actually Feel

Turning a House Into a Home: The Benefits You Can Actually Feel

First-Time Buyers, For Buyers, Rent vs. Buy /

There’s a lot of conversation about home prices, mortgage rates, and affordability right now – and those things are important. But if you’re thinking about buying a home, it’s worth remembering something the headlines rarely talk about: people don’t buy homes just for financial reasons. They buy them for their lives. Because while homeownership can

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