Housing Wire

SEPTEMBER 17, 2024

Industry-leading reverse mortgage lender Finance of America (FOA) on Tuesday announced updates and new details for a previously announced exchange offer , which would swap current investor bonds due in 2025 with new bonds due one to four years later. FOA has the discretion to change this date.

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Housing Wire

OCTOBER 25, 2024

The strongest market agitator in the first half (H1) of 2025 is not likely to be either U.S. However, this era is ending, leading to an expected increase in mortgage lending and an uptick in RMBS issuance, especially in H1 2025. unemployment or inflation caused by monetary or fiscal policy.

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Supply Chain Investors Insurance Lending 468

Housing Wire

JUNE 14, 2024

Incenter has a wonderful Enterprise Business Development team who have repeatedly proven themselves as strategic partners to lenders , servicers and investors. Incenter’s business channels include capital markets, loan diligence, student lending, insurance, property tax, accounting and marketing solutions.

Property Taxes 447

Property Taxes Clients Development Insurance 447

Housing Wire

DECEMBER 3, 2024

By helping to enable smarter, more precise lending decisions, FICO is driving innovation that supports both financial institutions and the communities they serve. We encourage mortgage investors to consider the advantages of incorporating FICO Score 10 T into their models.” updates in the fourth quarter of 2025.

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Housing Wire

SEPTEMBER 4, 2024

Debenture interest refers to the percentage of a return that an investor would receive for lending money through a debenture. 2, 2025, and will be available through July 1, 2025. The ML goes into effect on Sept. The updated rule builds upon several changes that FHA made to the HECM program on Jan.

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Housing Wire

SEPTEMBER 30, 2024

He asks both guests to outline the dynamics and trends that will take precedence through the end of 2025. Patient and passionate investors are vital to the company’s scaling process, but nothing is more important than taking a “one customer at a time” approach to the business, he adds.

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Appraisal Buzz

NOVEMBER 8, 2024

The 2025 Five Star Conference and Expo is set for Monday-Wednesday, September 29-October 1, 2025 at the Omni Dallas Hotel , located at 555 South Lamar Street in Dallas, Texas. Early-Bird Registration Now Open Early-Bird Registration is now open for the 2025 Five Star Conference.

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Housing Wire

OCTOBER 2, 2023

And recent transactions show that there’s an appetite among investors for debt in the mortgage space. The fears that investors had as to how much damage this downturn would have on companies have abated.” Investors have an appetite In September, Freedom Mortgage raised $1.3 billion in about 24 hours.

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Mortgage Marketing Investors Investing 459

Housing Wire

MARCH 20, 2024

The so-called dot-plot estimates show the Fed might make one fewer rate cut in 2025 compared to its forecast in December 2023. As with investors strengthening their bets of an initial rate cut in June, that same sentiment is shared among housing pros. “I this year before declining to a range of 6% to 7% in 2025.

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Mortgage Government Lending Investors 468

Housing Wire

NOVEMBER 5, 2024

As a result, loanDepot is retiring its Vision 2025 strategic plan, which began in July 2022 to help the company reduce its non-volume expenses by more than $730 million. Vision 2025 will be replaced by a program called Project North Star that is focused on the homeownership journey. Meanwhile, the company’s total revenues reached $314.6

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Housing Wire

OCTOBER 14, 2020

Bulfer noted, however, that StreamLoan has no desire to morph into a pure-play insurtech company, although the startup’s investors and executives are “bullish” on incorporating more insurance functionality into the platform. billion by 2025, with banks and insurance companies consuming much of the market share.

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Insurance Technology Lending Real Estate Agent 448

Housing Wire

AUGUST 8, 2023

million in the previous quarter, “primarily driven by higher pull through weighted lock volume and gain on sale margin,” the company told investors. The company said the increase is due to the Vision 2025 plan and higher direct costs attributable to increased origination volumes, which was partially offset by cost productivity.

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Human Resources Lending Investors Mortgage 370

Appraisal Buzz

SEPTEMBER 18, 2024

Mortgage Bankers Association (MBA) SVP and Chief Economist Mike Fratantoni added: “The FOMC lowered rates by 50 basis points at its September meeting and signaled that this is the first cut in a series that should bring rates down by about 2 percentage points by the end of 2025. billion in 2024, representing a year over year increase of 50%.

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Investors Mortgage Buyers Real Estate 435

Housing Wire

JANUARY 21, 2022

MAXEX has been at the forefront of creating standardized ESG-compliant loan programs with investors paying up as much as 50 basis points for these loans,” states a market-update report published by MAXEX this past December. And so that’s where non-QM lending comes into play.”. Roelof Slump, managing director of U.S. Slump added.

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Marketing Investors Development Mortgage 418

Housing Wire

SEPTEMBER 12, 2023

Investors impose these fees on lenders whenever a borrower pays off their mortgages usually within up to six months of funding. After a loan is funded, the lender usually sells it to an investor who pays a price expecting a long-term return. Andreano said rates will drop from the current levels, whether next year or 2025.

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Loan Officers Investors Mortgage Clients 418

Housing Wire

JUNE 13, 2023

Regarding EPM’s strategy in the wholesale space, Kevin DeLory, chief lending officer, said it is not chasing borrowers with specific credit scores or being aggressive in pricing. “There are people that are actually much more competitive when it comes to pricing. TGT is holding a security deposit of $9,135.49.

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Retail Loan Officers Landlords Lending 370

Housing Wire

FEBRUARY 10, 2023

And investors can expect the company to keep growing its servicing business in the months to come. The direct-to-consumer channel was responsible for 60% of total originations from September to December, with the remainder coming via correspondent lending. trillion from 2023 to 2025. Cooper’s volume declined to $3.2

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Business Mortgage Lending Investors 369

Housing Wire

AUGUST 25, 2022

The obvious starting place for nonbank lenders looking to capture volume is in jumbo lending, executives and analysts said. The investment we make today will have exponential benefits in 2023, 2024 and 2025 and beyond,” UWM CEO and Chairman Mat Ishbia said during an earnings call. ” Just a little less vanilla.

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Mortgage Loan Officers Finance Investors 418

Housing Wire

APRIL 8, 2022

We need prices to fall this year, next year, and in 2024 to ensure we are under 23% cumulative price growth for 2025. housing market, and we should never ease lending standards to try to facilitate demand. Lending standards are already liberal enough, so we don’t need to go down that avenue. Time will tell on that.

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Housing Market Marketing Inventory Lending 418

Housing Wire

FEBRUARY 7, 2023

The year ahead for the mortgage-servicing rights market is shaping up to be a lucrative play for investors, lenders and others looking to purchase MSR assets. ” He added that the MSR market, according to his firm’s projections, is expected to grow by an additional $1 trillion UPB by 2025.

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Sellers Investors Valuation Finance 321

Housing Wire

DECEMBER 29, 2023

I’m comfortable with lending there because I know I’m very familiar with the area. – Ben Cohen , managing director at Guaranteed Rate I think for sure the non-QMs – the more flexible guideline programs are going to continue to be big, especially for people who are investors or self-employed aging populations.

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Mortgage Loan Officers Inventory Business 476

Housing Wire

AUGUST 26, 2024

“Rate declines will impact companies differently based on their business model,” said Craig Freel, partner and co-chief investment officer at Rice Park Capital Management , an investor in residential mortgage assets. million clients, a number it will likely reach by early 2025 after migrating Flagstar’s customer base.

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Mortgage Business Investing Clients 459

Housing Wire

AUGUST 3, 2023

Deitz said the big national builders that are publicly traded companies and vertically integrated with lending arms and land-development companies “account for maybe a third or so of total single-family construction [volume based on units].” Those national builders are more likely to be engaged and orchestrate buydowns,” he added.

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Construction Development Finance Mortgage 370

Housing Wire

MAY 19, 2021

There was also no mention of changes to individual provisions (including the lowered MID cap and the SALT limitation) from the TCJA that will sunset after 2025. Investors in commercial estate utilize this provision to rollover capital gains from one property to a “like-kind” property.

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Housing Market Marketing Real Estate Government 505

D Fritz Appraisals

JULY 4, 2024

Residential property owners will be required to declare for the first time starting in 2025. In addition to the SVT, the BC Home Flipping Tax , effective January 1, 2025, is expected to discourage investors. today, and we can tailor an appraisal report to meet your lending, selling, and appraising needs.

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Construction Government Appraisal Transportation 110

Will Springer Realtor

AUGUST 13, 2024

Bad economic news tends to lead investors to shift their portfolios from higher-risk equities to more conservative instruments like Treasury bonds and notes. The greater the number of investors in U.S. Investors are also concerned that the Fed is responding late to cut borrowing costs to help bolster the economy.

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Buyers Investors Sellers Inventory 54

Housing Wire

SEPTEMBER 5, 2024

In return for lending money to RMF, TCB said it received a first priority lien “on certain HECM collateral,” which the bank described as “critically important” since without it, the only collateral TCB could rely on was a bankrupt company in RMF. Outside of career officials, other leaders are appointed by the President of the United States.

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Government Contracts Legal Development 459

Will Springer Realtor

SEPTEMBER 12, 2023

Many economists believe a recession isn’t likely in the last months of this year but they aren’t ruling out a downturn in 2024 and 2025. Mortgage Rates Some Fed members have recently advocated for no further rate increases of the central bank’s Federal funds rate – the interest charged when banks lend money to each other.

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Finance Inventory Construction Buyers 68

Housing Wire

JUNE 1, 2023

debt limit until January 2025 and cap government spending. Officials want to assess more economic and bank lending data and may hike rates later this summer, as the Wall Street Journal reported. On the fiscal side, President Joe Biden and House Speaker Kevin McCarthy struck a deal on Saturday to suspend the $31.4 trillion U.S.

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Mortgage Government Housing Market Marketing 397

Empire Appraisal Group

DECEMBER 26, 2024

Top 10 Issues That Will Impact Real Estate in 2025 Political uncertainty, soaring insurance costs and the growth of artificial intelligence are among the hot topics that likely will have a big impact on the real estate industry in 2025, according to the Counselors of Real Estate, a global organization of property advisers.

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Real Estate Insurance Supply Chain Construction 78

Housing Wire

DECEMBER 27, 2024

David Neylan, president and chief operating officer at retail lender Guild Mortgage , expects the landscape to remain challenging for mortgage companies in 2025. With this financial background, it aims to continue acquiring other companies to gain market share and enhance its product offerings in 2025.

Mortgage 397

Mortgage Retail Valuation Loan Officers 397

Housing Wire

NOVEMBER 11, 2024

While 2024 was certainly a challenging year for the real estate industry, 2025 may be a doozy if the Counselors of Real Estate’s (CRE) 2025 Top Ten Issues Affecting Real Estate report is to be believed. Additionally, historically many foreign investors have chosen to store money in U.S. elections. DellaPelle asked.

Real Estate 418

Real Estate Insurance Supply Chain Buyers 418

Housing Wire

DECEMBER 13, 2024

The scenarios considered include the GSEs retaining profits for an initial period of three or five years before selling their common stock to investors in order to replace the Treasurys estimated $190 billion ownership stake. This would maintain the fee at an average of 58 basis points, consistent with its projected level in 2025.

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Government Home Value Investors Law 370

Housing Wire

NOVEMBER 22, 2024

Some stats: As recently as 2023, it is estimated that investors accounted for 27% of all single-family home purchases, up from the high teens in 2019. Contrary to popular opinion, most rental properties are not owned by hedge funds, but rather small and medium-sized landlords or “mom-and-pop” investors. That is a lot of front doors.

Marketing 468

Marketing Investors Investing Housing Market 468

Housing Wire

SEPTEMBER 12, 2024

Department of Housing and Urban Development (HUD) and Ginnie Mae over a dispute involving Home Equity Conversion Mortgage (HECM)-backed Securities ( HMBS ) have been advised to be ready for a trial in September 2025. Final deadlines for expert witnesses arrive within the first two months of 2025.

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Government Development Mortgage Lending 456

Appraisal Buzz

JANUARY 13, 2025

This article originally appeared in the January 2025 edition of MortgagePoint magazine, online now. As 2025 dawns, the housing market and mortgage industry brace for a year of change. Policies that work to increase the supply of for-sale housing in 2025 would have the most impact on the housing market.

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Construction Supply Chain Government Housing Market 243

Appraisal Buzz

DECEMBER 13, 2024

Delgado asked Thibaudeau to dis[1]cuss Fannie Maes HomePath program, which allows buyers to purchase REO properties out of Fannie Maes inventory, allowing owner/occupants more chances to purchase a home without competing against institutional investors. For more information on the National Property Preservation Conference, visit nppconf.com.

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Insurance Inspection Government Real Estate 370