Housing Wire

MARCH 28, 2025

Friday’s announcement involves the Federal Reserve , the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corp. 1, 2026. Three federal banking regulators announced their intent to issue a proposal that would rescind the Community Reinvestment Act (CRA) final rule issued in October 2023.

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Housing Wire

MARCH 12, 2024

The budget also requests $400 billion in loan guarantee commitment limitation for the Mutual Mortgage Insurance (MMI) Fund through September 2026, which is “sufficient authority for insurance of all single family forward mortgages and HECMs,” the document reads. HUD is requesting $2.5

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Mortgage Insurance Training Government 458

Housing Wire

OCTOBER 24, 2023

The Office of the Comptroller of the Currency , the Federal Reserve Board and the Federal Deposit Insurance Corporation issued on Tuesday a new rule to modernize the 1977 Community Reinvestment Act (CRA), which addresses systemic inequalities in access to credit. The thresholds are adjusted annually for inflation.

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Housing Wire

JUNE 17, 2024

It assumed a 10% down payment and did not factor in property taxes or homeowners insurance. And the youngest millennials (ages 28 to 43 this year) don’t turn 30 until 2026, so there is time for this trend to shift. For millennials turning 30, the typical mortgage payment has averaged only 22.5% of their median income.

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Housing Market Property Taxes Inventory Buyers 497

Housing Wire

AUGUST 1, 2023

Mr. Cooper is paying $324 million in cash and assuming $500 million in outstanding Home Point 5% senior notes due in February 2026. “The The private New York-based company, founded in 2008, manages third-party capital on behalf of insurance companies, pension funds, hedge funds and other investors. “We

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Housing Wire

APRIL 15, 2022

If you look around the title insurance industry, there’s a decade gap in the ages of the industry’s talent pool. in 2026 — compared with 17.5% For workers 75 and older, the participation rate in 2026 is projected to be 10.8%, compared with 4.7% How do we solve the problem of attracting new entrants?

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Technology Real Estate Clients Business 370

Housing Wire

AUGUST 5, 2024

for those paying private mortgage insurance Let’s take someone with an initial credit score of 640 looking to borrow $360,000 with a 90% LTV. That higher score will knock off 65 basis points from their interest rate, saving them $158 in principal and interest and another $131 in monthly private mortgage insurance premiums.

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Tools Mortgage Investing Insurance 459

Inman

JANUARY 28, 2025

The Federal Communications Commission is pushing the Telephone Consumer Protection Act's one-to-one consent requirement to next year, due to an appeals court ruling questioning the FCC's definition of prior express consent.

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Insurance Brokerage Agents Marketing 126

Appraisal Buzz

JULY 22, 2024

Ongoing development and revitalization projects are also a draw for those seeking rental apartments in Queens, as the first phase of the Willets Point redevelopment is underway with the goal to create 880 affordable apartments by the end of 2026.

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Marketing Transportation Development Modernization 398

BiggerPockets

JULY 10, 2024

See Dave, Henry, James, and Kathy at BPCon2024 in Cancún, Mexico! Grab your ticket here! The housing market is “stuck” and may stay that way for the next two years. […]

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Appraisal Today

JANUARY 31, 2025

In the Oakland CA firestorm in 2021, many of the homes had reproduction replacement in their insurance policies. The home owners with reproduction costs got very large payments from their insurance companies. The insurance companies learned their mistake and never offered reproduction again. trillion in 2026 (previously $2.37

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Lamacchia Realty

JANUARY 30, 2025

Rising insurance premiums added to the cost of homeownership, potentially affecting affordability. The Fort Lauderdale condo market faced challenges due to rising insurance costs and climate concerns, especially in flood-prone areas. Despite challenges, the market showed resilience with strong price growth.

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Insurance Real Estate Housing Market Realty 66

Movoto

NOVEMBER 26, 2024

And so now rates are expected to remain above 6% until 2026 which maintains the pressure on inventory and limits sales recovery. JT 16:41: But the subtext I was talking about is actually the cost of homeowners insurance, whether you believe in climate change or not. you may have just seen your homeowners insurance double or triple.

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Real Estate Marketing Inventory Insurance 36

Lamacchia Realty

JANUARY 29, 2025

Rising insurance premiums added to the cost of homeownership, potentially affecting affordability. South Floridas condo market faced challenges due to rising insurance costs and climate concerns, especially in flood-prone areas. Despite challenges, the market showed resilience with strong price growth and stable demand.

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Inventory Insurance Real Estate Buyers 61

Empire Appraisal Group

OCTOBER 10, 2024

This combination of increased housing supply for sale—the damaged homes coming up for sale—coupled with strained demand—the result of spiked home prices, spiked mortgage rates, higher insurance premiums, and higher HOAs— translated into market softening across much of Southwest Florida.

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Inventory New Listings Housing Market HOA 78

Housing Wire

FEBRUARY 14, 2025

The bill shared several similarities with the HECM program, including a minimum age requirement of 62 years, the addition of insurance authority to the HFDC and a requirement for lender approval by the state authority. But now that the bill is on pause until at least 2026, its unclear if this will be a priority.

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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. million units.

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Real Estate Insurance Supply Chain Construction 78

Housing Wire

JANUARY 23, 2025

Fannie Mae s title insurance pilot program could save borrowers up to $2.19 The pilot program is slated to run through May of 2026. Under the program, in limited circumstances Fannie Mae is able to accept the results of an automated title review in lieu of traditional title insurance on refinance transactions.

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Insurance Legal Finance Mortgage 468

Housing Wire

DECEMBER 23, 2024

A coalition of six organizations representing mortgage companies and borrowers has sent a letter to the Federal Housing Administration (FHA), urging the extension of the current loss-mitigation waterfall to February 2026 while updates to the agencys servicing handbook are discussed and implemented.

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Mortgage Modernization Law Insurance 397

Appraisal Buzz

OCTOBER 28, 2024

The advance seasonally adjusted insured unemployment rate was 1.3% The advance number for seasonally adjusted insured unemployment during the week ending October 12 was 1,897,000, an increase of 28,000 from the previous week’s revised level—marking the highest level for insured unemployment since November 13, 2021, when it was 1,974,000.

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Property Taxes Insurance HOA Inventory 411

Housing Wire

APRIL 7, 2025

ICE says that with the current rate of improvement, the market would be on pace to return to pre-pandemic for-sale inventory levels in the back half of 2026. Nationally, the inventory deficit relative to pre-pandemic levels fell from -40% in February 2024 to -23% in February 2025. 6%), Austin, Texas (-5.6%), and Denver (-3.9%).

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Inventory Insurance Mortgage Housing Market 284

Appraisal Buzz

JANUARY 21, 2025

Department of Housing and Urban Development (HUD) has updated the Federal Housing Administrations (FHA) loss mitigation waterfall , giving mortgage servicers more options to help struggling borrowers with FHA-insured single-family mortgages from going into foreclosure.

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Mortgage Insurance Tools Development 195

Housing Wire

NOVEMBER 11, 2024

In order of least to most impactful, the 2025 list includes the price expectations gap, office vacancies and the tax base, sustainability, artificial intelligence, housing attainability, insurance costs, geopolitics and regional wars, loan maturities and debt repricing, the cost of financing and global and U.S.

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Real Estate Insurance Supply Chain Buyers 418

Housing Wire

APRIL 9, 2025

Mortgage innovation boosts accessibility Post-conservatorship, Fannie and Freddie can assume more risk, reducing private mortgage insurance (PMI) costs ($100$300 monthly on a $300,000 loan, per Bankrate 2025). Treasury) from 2% to 1.5%, dropping rates from 6.5% saving $150 monthly on a $300,000 loan, per Freddie Mac calculators.

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Construction Land Management Real Estate Development 356

Appraisal Today

NOVEMBER 22, 2024

But different states have different hazard zones that insurance companies have developed less tolerance for ignoring. percent from one week earlier Appraisal Business Tips Humor for Appraisers Click here to subscribe to our FREE weekly appraiser email newsletter and get the latest appraisal news! .

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Appraisal Training Contracts Mortgage 95

Appraisal Buzz

JANUARY 13, 2025

Homeowners insurance premiums have surged over the last few years, and while estimates of the increase range some, the average is about 30% to 50% since 2019, and as much as 90%+ in areas with higher exposure to natural disasters. This shock has been more significant in markets where insurance costs have surged.

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Construction Supply Chain Government Housing Market 419

Housing Wire

NOVEMBER 6, 2024

Jonathan McKernan, a board member of the Federal Deposit Insurance Corp. ” Pilot programs, mainly regarding a title insurance alternative and closed-end second loans , are also at risk under the Trump administration. At the FHFA, analysts at KBW expect Sandra Thompson to also be replaced on day one of the Trump administration.

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Mortgage Law Insurance Government 468

Housing Wire

AUGUST 1, 2024

This means moving forward with projects to cut insurance premiums , reduce fees and provide new loan products, such as Freddie Mac’s closed-end second mortgages. In response, the Fed would slow or pause rate cuts in 2026 and beyond. Meanwhile, the CFPB — which had a challenge to its funding mechanism rejected in May by the U.S.

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Housing Market Marketing Law Insurance 491

Will Springer Realtor

DECEMBER 17, 2024

home buyers pay about 42% of their income toward housing costs (insurance, mortgage, utilities), according to John Burns Research and Consulting (JBRC), and a whopping 56% of buyer incomes in Seattle metro (October report). That will be the new normal. Core CPI is currently at 3.3% (November data reported last week), down from 4.0%

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Appraisal Today

FEBRUARY 7, 2025

My insurance company, State Farm, is requesting a 22% increase in homeowners insurance. Insurers have been not renewing individual homes for various reasons. I have not seen discussions on the future of home values in risky areas. I live 10 miles from a very risky area Oakland CA hills. I am too far away to be at risk.

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