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How policy uncertainty is reshaping senior retirement plans

Baby Boomer, Center for Retirement Research, Gen X, HWmember, Mortgage, Retirement, Reverse, Reverse Mortgage Daily, Social Security /

Growing uncertainty over Social Security, Medicare and fiscal policy has left many older Americans more concerned about their financial futures — with some delaying retirement and shifting to more conservative investment strategies. Findings from a new survey analysis by the Center for Retirement Research at Boston College offer critical insights for reverse mortgage professionals as […]

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NAREB president calls for ‘optimistic underwriting’ to expand homeownership

Affordability, Appraisals and Valuations, Black Homeownership, Brokerage, FHA, First-Time Homebuyers, Homeownership, Housing Inventory, HUD, HWmember, Interest rates, Lenders, Mortgage, Mortgage Rates, National Association of Real Estate Brokers, Real Estate /

Ashley Thomas III has assumed the presidency of the National Association of Real Estate Brokers (NAREB) — the nation’s oldest and largest Black real estate organization — with an agenda focused on expanding homeownership access. Thomas, a housing policy and wealth equity strategist with more than 25 years of experience across real estate, lending and

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Optimal Blue’s Mike Vough on borrowers staying rate anchored into 2026

Adjustable-Rate Mortgage, HWmember, Mortgage, Mortgage Rates, MSRs, Optimal Blue, Origination, Refinancing, Servicing /

Borrowers are still anchored to ultra-low, pandemic-era mortgage rates, a mindset that is influencing both purchase and refinance trends as the market heads into 2026. That’s according to Mike Vough, Optimal Blue‘s senior vice president of corporate strategy, who highlighted the company’s latest Market Advantage report in a conversation this week with HousingWire at the

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Home flipping volume falls to 5-year low, margins hit 2008 levels

ATTOM, Fix and Flip, Housing Market, Mortgage, Real Estate Investing /

Home flipping activity slipped again in 2025 as investors completed 297,045 single-family home and condominium flips nationwide. That was the lowest annual total since 2020 and down 3.9% from 309,050 flips in 2024, according to ATTOM’s 2025 year-end U.S. Home Flipping Report. Flips made up 7.4% of all home sales in 2025, slightly below 7.6%

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Bank regulators unveil capital reforms to boost mortgage lending

Banking, basel III, Federal Deposit Insurance Corporation, Federal Reserve, HWmember, Mortgage, Office of the Comptroller of the Currency, Regulatory /

Federal bank regulators on Thursday introduced proposals to overhaul capital rules, affecting how depositories treat mortgage assets. The package includes three measures: revisions to the Basel III framework for large, internationally active banks; changes to the Global Systemically Important Bank (GSIB) surcharge; and updates to the U.S. standardized approach. A broader Basel III proposal introduced in 2023

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President Donald Trump: I have an idea to help first-time homebuyers

Contributors, Donald Trump, First-Time Homebuyers, Government Lending, Homebuyers, Housing Market, HWmember, Mortgage, Opinion, Origination /

Over the past several months, former President Donald Trump has floated a number of ideas aimed at helping Americans buy homes again. Among them are proposals such as 50-year mortgages and other creative financing tools intended to lower monthly payments for buyers struggling with today’s interest rates. The intention behind these ideas are novel and

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CrossCountry Mortgage to strengthen footprint with Summit M&A deal

CrossCountry Mortgage, HWmember, LendingLife, Mergers and Acquisitions, Mortgage, Origination, Retail Lending /

Cleveland-based CrossCountry Mortgage (CCM) has struck a deal to acquire Summit Funding, broadening its geographic reach, the companies announced Wednesday. Financial terms of the transaction were not disclosed. “In 2025, we financed 1 in 35 homes sold nationwide, ranking as the No. 1 retail mortgage lender,” Ron Leonhardt, founder and CEO, told HousingWire. “This acquisition

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Trump’s mortgage order sets stage for regulatory shift, draws consumer backlash

Community Bank, Consumer Financial Protection Bureau, HWmember, IMBs, LendingLife, Mortgage, Origination, Regulatory, Regulatory Compliance, Trump administration /

President Donald Trump’s executive order targeting mortgages addresses several concerns raised by banks and nonbanks, which have largely welcomed it as a road map for regulatory change. But it’s also receiving pushback from consumer advocates. Friday’s order on “promoting access to mortgage credit” aims to boost lending by community banks (with less than $30 billion

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Fannie Mae, Freddie Mac revise condo insurance standards

Affordability, Fannie Mae, FHFA, Freddie Mac, GSEs, Homeowners insurance, HWmember, Mortgage, Regulatory /

Fannie Mae and Freddie Mac on Wednesday announced updates to condominium project standards and property insurance requirements for one- to four-unit properties and project developments, with a stated goal of reducing costs for homeowners. “We are replacing a disruptive and expensive Biden insurance mandate with commonsense policies for today’s market,” Bill Pulte, director of the

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Older Americans maintain record share of housing wealth

Baby Boomer, Home Equity, Homeownership, Housing Market, HWmember, Mortgage, Mortgage Rates, Redfin, Reverse /

Older Americans now hold as much real estate wealth as middle-aged homeowners, illustrating the widening gaps in homeownership access and long-term home price gains. An analysis from Redfin, based on data from the Federal Reserve Board, found that Americans ages 70 and older controlled roughly 26% of the nation’s $48 trillion in real estate wealth

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