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Land leases, ARM buydowns emerge as lending options while mortgage rates stay elevated

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Mortgage lenders are getting creative to combat the housing affordability crisis fueled by rising interest rates, rolling out novel products and blending existing options to keep borrowers in the market. Bayview Asset Management — which closed its acquisition of Guild Mortgage in November — rolled out a new program on Monday. Partnering with real estate […]

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Lenders wrestle with the nuances of modern credit score pricing

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Mortgage lenders are currently wrestling with a high-stakes puzzle: how to accurately compare the new credit score models hitting the market. The differences are significant and carry major implications for risk assessment, loan pricing and secondary market returns. In late April, the Federal Housing Finance Agency (FHFA) rolled out a program allowing the exclusive use

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Guild’s Jim Cory on Bayview deal and reverse mortgage trends

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As consolidation reshapes the mortgage landscape, Bayview Asset Management’s acquisition of Guild Mortgage is emerging as a case study in how to scale without disruption, particularly in the often-misunderstood reverse mortgage space. In a conversation with HousingWire‘s Reverse Mortgage Daily, Jim Cory, managing director of reverse mortgages at Guild Mortgage and co-chair of the board

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Mortgage lenders report strong start to 2026 homebuying season

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Mortgage lenders are entering the 2026 spring homebuying season with strengthening business pipelines, fueled by lower mortgage rates, rising refinance incentives and early signs of improving purchase demand. “We’re off to a great start,” Alex Elezaj, executive vice president and chief strategy officer for United Wholesale Mortgage (UWM) said in an interview with HousingWire. “Spring

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Real estate leaders call for data-first strategy

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Dan Duffy did not ease into his critique of the housing industry’s approach to analytics. “I’ll be the first one to admit that we are currently objectively failing at United,” the United Real Estate Group founder and CEO told attendees Tuesday at HousingWire’s 2026 Housing Economic Summit. “That’s a weird headline, to even say the

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Mortgage M&A wave creates more mega-lenders

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Terry Schmidt believes she surprised the mortgage industry. Schmidt, the director and CEO of Guild Mortgage Co., was referring to the June 2025 announcement that the company would be acquired by Bayview Asset Management. The transaction officially closed in November. “Many found that this was very surprising because we’ve been independent for so long,” Schmidt

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Bayview closes acquisition of Guild, taking lender private

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Bayview Asset Management has closed its acquisition of Guild Holdings Company, the parent of Guild Mortgage, in a deal that takes the lender private and removes it from the New York Stock Exchange. The transaction was finalized on November 28, according to a new 8-K filing. Under the agreement, shareholders received $20 per share in

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Detroit’s new 40% down payment assistance program

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The Michigan State Housing Development Authority (MSHDA) announced on Thursday that it is partnering with the Tobias Harris Homeownership Initiative, Guild Mortgage and Homium on a pilot shared-appreciation mortgage program aimed at expanding access to homeownership in Detroit. The effort is backed by Detroit Pistons basketball player Tobias Harris. The mortgage product will provide qualified

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Guild’s profit rebound and rising refi recapture bolster Bayview bid

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Guild Holdings Co., the parent company of Guild Mortgage, returned to profitability in the second quarter and posted a sharp rise in refinance recapture ahead of its proposed $1.3 billion sale to Bayview Asset Management. Guild reported net income of $18.7 million for the quarter, reversing a $23.9 million loss in Q1. Adjusted net income

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After the Bayview deal, what’s the refi strategy for Guild Mortgage?

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Bayview Asset Management’s $1.3 billion deal to acquire Guild Holding Co., the parent of Guild Mortgage, has left loan officers wondering how the traditionally purchase-focused lender would integrate refinance capabilities to leverage the $770 billion servicing portfolio of soon-to-be sister company Lakeview Loan Servicing, the nation’s second-largest mortgage servicer. Guild LOs, who spoke with HousingWire

After the Bayview deal, what’s the refi strategy for Guild Mortgage? Read More »