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CFPB prioritizes Reg X, GSE streamline refis as LO Comp hopes fade 

CFPB, Consumer Financial Protection Bureau, HWmember, LendingLife, Loan Officer, Mortgage, Mortgage Bankers Association, Mortgage Servicing, Refinancing, Regulatory /

The Consumer Financial Protection Bureau (CFPB) could finalize changes to its Regulation X servicing rules while creating a regulatory pathway for streamlined refinances through the government-sponsored enterprises (GSEs) by the end of this year, mortgage industry sources told HousingWire. Meanwhile, prospects for changes to the loan originator compensation rule (LO Comp Rule) — particularly revisions […]

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AI adoption in mortgage servicing is accelerating, BlackWolf says

Artificial Intelligence, HWmember, Mortgage, Mortgage Servicing, Servicing, Stratmor Group, Technology /

A new white paper from BlackWolf Advisory Group says adoption of artificial intelligence in mortgage servicing is accelerating as firms seek to reduce costs, improve compliance and automate routine tasks. While the paper says servicers are ready and actively adopting AI, regulatory scrutiny and legacy technology systems remain as major barriers. The paper, titled “Mortgage

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Why housing construction can’t grow at current demand levels

Construction, Data & Visuals, Homebuilders, Housing Market, Housing Market Data, Housing Starts, HWmember, New Home Sales, U.S. Census Bureau /

The U.S. has too much supply of single-family homes and not enough demand. But why can’t housing starts grow when the White House says we are 10 million homes short? I go back to the 1984 movie “Ghostbusters” and this quote from from Dan Aykroyd’s character: “Personally, I liked the university. They gave us money

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Mortgage vendors face consolidation as compliance costs rise

AMCs, Appraisals, Appraisals and Valuations, HWmember, Mergers and Acquisitions, Mortgage, Technology, Title, Title insurance /

Mortgage vendors are entering a new phase of consolidation as they respond to rising regulatory and cybersecurity pressures, according to a white paper released this week by investment banking firm Houlihan Lokey. Scale is also becoming a decisive advantage for companies that sell mortgage technology and services, a trend that follows a mergers-and-acquisition wave among

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Brokerage consolidation is not the threat, weak relationships are

Brokerage, Compass, Contributors, eXp Realty, HWmember, Mergers and Acquisitions, NextHome, Opinion, Real Estate, REMAX, The Real Brokerage /

Every few years, the real estate industry gets a jolt that sends agents scrambling to reassess their careers and where they hang their license. The current wave of consolidation — eXp acquiring Next Home, Real acquiring Remax, Compass acquiring Anywhere — is the latest version of that jolt. And if the conversations I’m having with

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Toll Brothers lifts 2026 delivery outlook as luxury demand holds

Earnings, Homebuilders, HWmember, Leadership, Luxury Real Estate, Residential Real Estate, The Builder's Daily, Toll Brothers /

The late, legendary Bob Toll once laid bare the fact that he was personally incapable of installing a curtain rod in a living room, let alone knowing the first thing about building a home from the ground up. What Bob did intuit was that the second-floor walls of a typical 1960s two-story home could be

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Why agents will ignore your expensive AI tool — and how to fix it

Agent, Artificial Intelligence, Brokerage, HWmember, Ohio, Real Estate, Real Estate Technology, REMAX /

For many real estate brokers, the dream of artificial intelligence (AI)-powered efficiency has crashed against a hard reality; agents are reluctant to use tools that force them to change habits. Tyler Morton — broker-owner of REMAX Victory + Affiliates in Beavercreek, Ohio — learned this lesson the expensive way. After his first AI platform Victoria

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HUD urges states to cut fees, simplify codes and fast-track permits 

homebuilder, Homebuilders, Housing Policy, HUD, HWmember, Policy, The Builder's Daily /

On Wednesday, the U.S. Department of Housing and Urban Development (HUD) released a detailed deregulation roadmap aimed at state and local governments that, it argues, could lower per-unit costs and shorten cycle times for homebuilders. HUD’s new “State and Local Best Practices for Home Construction” report offers a set of recommended policy changes that target

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

Adjustable-Rate Mortgage, Bank of America, Buydown, Freedom Mortgage, Guild Mortgage, HWmember, JPMorgan Chase, LendingLife, Mortgage, Mortgage Bankers Association, Origination /

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

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

ROAD wins House nod, carving BTR out from institutional investor ban

Affordable housing, build-for-rent, House of Representatives, Housing Policy, HWmember, Policy, Residential Real Estate, The Builder's Daily, U.S. House of Representatives /

The build-to-rent (BTR) industry, which has been under siege from legislative uncertainty since March, just got a modicum of welcome news.  On Wednesday, the U.S. House of Representatives passed an amended version of the U.S. Senate’s 21st Century ROAD to Housing Act by a margin of 396 to 13 that removed the proposed seven-year selloff

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