Land and Mortgages - Residential Realty Today

CoreLogic’s John Rogers on AI, climate risk and land development issues

Housing Wire

NOVEMBER 19, 2024

John Rogers is a well-known name in the world of mortgage and real estate data analysis. Rogers met with HousingWire to discuss his new role and cover a variety of topics, including artificial intelligence (AI), climate risk and land development. NP: You work directly with land developers too. We can now do that in an afternoon.

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Here’s why we won’t build millions of new homes

Housing Wire

NOVEMBER 19, 2024

Minneapolis Fed President Neel Kashkari recently stated that housing demand is high so the clearance rate (mortgage rates) should be higher. Builders pay down mortgage rates as much as possible to move products, so Kashkari’s comment on clearance rates shows that he doesn’t know what he is talking about.

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Here are the 2025 Tech100 Mortgage Honorees

Housing Wire

FEBRUARY 3, 2025

The Tech100 Mortgage award recognizes the most innovative and impactful organizations driving the mortgage industry forward. More than just an accolade, this award highlights organizations that are transforming the housing sectorenhancing efficiency, transparency, and accessibility in ways that reshape the future of mortgage lending.

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The Federal Reserve’s housing recession dilemma

Housing Wire

DECEMBER 18, 2024

Perhaps most importantly, some homebuilders have been subsidizing mortgage rates to help maintain employment and finish ongoing projects. As short-term interest rates decrease, some lending opportunities, such as land purchases and apartment financing, are improving. If mortgage rates hadn’t dropped from 7.5%

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Fannie Mae title pilot could save homeowners up to $1,692 per refi

Housing Wire

JANUARY 23, 2025

In their analysis, Nigrinis and Zywicki found that borrowers refinancing their mortgage could save an estimated $2.19 billion in total or as much as $1,692 per loan. The Federal Housing Finance Agency had previously estimated that the pilot could save consumers between $500 and $1,500 per transaction.

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Why title insurance is essential to the U.S. system of property rights

Housing Wire

JANUARY 28, 2025

By contrast, many European countries have a centralized, government-managed land registration system, which requires government review before property transfers are effective. Once the parties have closed, it is only then that we place the transfer document (deed) in the government land records. Nor are the land records authoritative.

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The labor report gives the Fed a clear pathway to land the plane

Housing Wire

APRIL 5, 2024

This bodes well for those hoping to see a soft landing, and for those hoping for lower mortgage rates. So, let’s look at where we are today with all the labor data and why mortgage rates are still high while the labor market is getting softer. Instead, I have focused on jobless claims data. is more in their comfort zone.

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Opinion: Foreign land ownership legislation and principles for protecting property rights

Housing Wire

SEPTEMBER 27, 2023

Many of these laws target specific types of real estate deemed crucial to national security, such as farmland or property near military installations, while other laws apply more broadly to all types of land. Laws should mandate that authorized state agencies record relevant documents and court orders in local land records.

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Black Friday deals on a new home? Here you go

Housing Wire

NOVEMBER 15, 2024

For instance, at Lone Star Landing in Montgomery, Texas, M/I Homes is offering discounts ranging from $7,500 to $20,000 on specific properties. Buyers using this incentive can qualify for either a 3/2/1 rate buydown on a 30-year FHA Fixed-rate Mortgage or a 3/2/1 rate buydown on a 30-year conventional fixed-rate mortgage.

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Rick Roque lands at NFM Lending

Housing Wire

AUGUST 30, 2024

Mortgage banking executive and industry mergers & acquisitions advisor Rick Roque has taken a new executive position at NFM Lending. ” Roque’s arrival at NFM comes just a few months after he joined Sierra Pacific Mortgage as executive vice president of retail. . “Looking forward to seeing what we can do together.”

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Contracts for deed are under federal mortgage protections: CFPB

Housing Wire

AUGUST 13, 2024

In these contracts – also known as “land contracts” or “bond for deed” –the seller retains the legal title to a home until the borrower completes all the payments, leading to some “traps,” according to the CFPB. Mancini – who is testifying during a CFPB field hearing on land contracts on Tuesday in St. among subprime loans.

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As the lock-in effect eases, the market for new homes is shrinking

Housing Wire

NOVEMBER 4, 2024

As high mortgage rates reshape the housing market, existing homes are making up a larger percentage of for-sale inventory, and homebuyers are taking notice. Recently, the “lock-in effect” has kept homeowners with historically low-rate mortgages from selling, but this effect is easing. million units. The sales pace was down 3.5%

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Why are mortgage rates surging?

Housing Wire

SEPTEMBER 30, 2023

Why are mortgage rates rising? The jobless claims data is my key 2023 economic data line for the bond market and mortgage rates because I don’t believe the Fed will pivot until the four-week moving average of jobless claims gets above 323,000. Land the plane, folks, land the plane!

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What Metaverse real estate means for mortgage professionals

Housing Wire

APRIL 5, 2022

But what does virtual real estate mean for real-world mortgage professionals? Actual” real estate is defined as property consisting of land or buildings, and everything that is permanently attached to the land. Today, the law is not yet clear on whether or not virtual land in the Metaverse is “actual” real estate.

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Georgia looks to protect residents from title theft with new law

Housing Wire

JANUARY 15, 2025

Title theft occurs when a criminal impersonates a property owner and sells or takes out a second mortgage on the owners property. In the worst-case scenario, the home goes into foreclosure and/or is deeded to a new purchaser.

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As boomers retire with record housing wealth, finding accessible housing is a challenge

Housing Wire

DECEMBER 2, 2024

Mortgage rates remain high and for-sale inventory remains low, while an overwhelming majority of baby boomers (78%) stated in a survey from Redfin that they have no intention of moving out of their current homes. . “There’s a lot of people in the middle, homeowners included, who are stuck.”

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Cincinnati’s housing market in a word? Unpredictable

Housing Wire

DECEMBER 10, 2024

The housing market got some much needed relief in the fall when mortgage rates began to drop, but it was short lived. Despite two interest rate cuts by the Federal Reserve, mortgage rates rose again and remain stubbornly high. It’s just become a more common theme.

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Housing resources and help for victims of the LA fires

Housing Wire

JANUARY 10, 2025

Real estate and mortgage firms are stepping up to help housing professionals and the Southern California community as wildfires ravage the area. Please reach out to our guest experience team at reservations@avantstay.com and we will do our best to find you a landing spot.

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Attempted Graceland sale exposes title, mortgage fraud tactics

Housing Wire

JUNE 4, 2024

But while a fraud attempt targeting such a famous structure and family would easily make national news, the vast majority of title theft and mortgage fraud schemes do not. An alternative scam is to submit a mortgage application in your name to get cash out of the house.

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Builders cheer up as mortgage rates fall

Housing Wire

DECEMBER 18, 2023

A decline in mortgage rates since November helped end four months of declines in builder confidence. According to NAHB Chief Economist Robert Dietz, the peak in mortgage rates for this cycle is behind us, which should help “to spur buyer demand in the coming months.”

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Surging for-sale inventory turns Florida into a buyer’s market

Housing Wire

FEBRUARY 27, 2025

Active listings landed at 212,437 at the end of January, a staggering 19.4% However, mortgage rates staying stubbornly around 7% are preventing many would-be buyers from entering the market. At 172,209 homes, its the highest reading of any month dating to when Redfin started keeping records in 2012. year-over-year jump.

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Kiavi lands another $300M in its latest RTL securitization

Housing Wire

FEBRUARY 13, 2025

As the 21st transaction made under the company’s LHOME Mortgage Trust, Kiavi’s total volume of notes offered sits at $5.8 San Francisco-based private lender Kiavi announced on Thursday that it has secured $300 million in capital after another securitization of its residential transition loans (RTLs). billion since 2019.

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Rocket settles fair lending case on tribal lands

Housing Wire

MAY 13, 2024

Rocket Mortgage , the third largest U.S. mortgage lender, has entered into a conciliation agreement with the U.S. Consequently, the borrowers got a mortgage from another lender on less favorable terms and higher interest rates. billion in mortgages in Q1 2024. Rocket originated $20.2

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Solid jobs report sends mortgage rates lower

Housing Wire

JANUARY 6, 2023

Can we have a soft landing in the economy? Mortgage rates fell aggressively down to 6.20%, putting us at more than 1% below the highs of 2022. This is why Friday’s data is exciting to see and why the bond market sent mortgage rates to 6.20% and yes — we are back on 5-handle mortgage rate watch. Job report.

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Mortgage applications stall with 8% rates

Housing Wire

OCTOBER 25, 2023

With mortgage rates still hovering around 8%, mortgage applications decreased 1% for the week ending Oct. 20 compared to the week prior , according to weekly mortgage application data from the Mortgage Bankers Association. the week prior while the share of Department of Agriculture (USDA) loan activity decreased to 0.4%

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With lower costs and other value, rural areas are enticing for older homebuyers

Housing Wire

MARCH 4, 2025

In an environment of high home prices and elevated mortgage rates , older homeowners taking a closer look at less expensive areas to make their money go further is not an isolated phenomenon. Real estate agent Lisa Di Pasquale described her success in such a scenario in a previous interview with HousingWire s Reverse Mortgage Daily (RMD).

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Eyeing expansion, Go Mortgage snags 160+ former FoA employees

Housing Wire

JANUARY 4, 2023

More than 160 employees from the now-shuttered Finance of America Mortgage have landed at Go Mortgage , a Columbus, Ohio-based lender. In the coming months, more former FoA employees are expected to “trickle in” to Go Mortgage’s retail division, which will bring the total number to 200. Go Mortgage originated $753.2

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LA fires upend rental market as residents scramble for housing

Housing Wire

JANUARY 9, 2025

Kevin Peranio , chief lending officer for Paramount Residential Mortgage Group (PRMG), lives in the Orange County area and said hes witnessed the effects of being displaced by the wildfires. Peranio is also an investor in Pacaso , a second-home co-ownership company, and said that the company is mobilizing its network to help those in need.

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Mortgage rates are falling as the labor market falters

Housing Wire

AUGUST 2, 2024

Construction employment showed a small gain, as builders continue to work to add to housing supply given the ongoing shortage,” Mike Fratantoni, the Mortgage Bankers Association’s chief economist, said in a statement. Overall, for the past year, the construction sector has added an average of 19,000 jobs per month.

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ALTA responds to CFPB’s inquiry on mortgage fees

Housing Wire

AUGUST 13, 2024

The American Land Title Association is making it clear that it won’t have the Consumer Financial Protection Bureau making drastic changes to title insurance without first at least hearing the trade groups thoughts on the issue. In a 15-page letter sent to CFPB Director Rohit Chopra on Aug.

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Proposal would allow Freddie Mac to acquire closed-end second mortgages

Housing Wire

APRIL 17, 2024

The Federal Housing Finance Agency (FHFA) this week announced a new product proposal for government-sponsored enterprise (GSE) Freddie Mac that would allow the agency to purchase certain single-family, closed-end second mortgages. FHFA Director Sandra Thompson explained that such options are needed in the current mortgage rate environment.

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Housing market “stuck” as mortgage rates remain above 7%

Housing Wire

SEPTEMBER 7, 2023

A slight cooling in mortgage rates wasn’t enough to keep mortgage applications from sinking to a 28-year low. Freddie Mac‘s Primary Mortgage Market Survey, which focuses on conventional and conforming loans with a 20% down payment, shows the 30-year fixed rate averaged 7.12% as of Sept. 7, down from last week ’s 7.18%.

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Inside the 2025 housing market: inventory growth, affordability pressure, and what comes next

Housing Wire

APRIL 11, 2025

The panel dissected the housing market’s current state marked by rising inventory, affordability challenges, elevated mortgage rates , and investor uncertainty and what it all means for the rest of 2025 and beyond. Builders may slow starts and renegotiate land options. Gross margins are now sub-20% for many builders. [06:07]

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Top LO Tim Potempa joins E Mortgage Capital

Housing Wire

MAY 2, 2024

loan officer Timothy Potempa has departed Dallas-based multichannel lender OneTrust Home Loans to join E Mortgage Capital , bringing his team of about 40 people and more than $300 million in annual production to the company headquartered in California. 7 loan officer in the country last year with a mortgage production volume of $326.5

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At last: Softer labor data sends mortgage rates lower

Housing Wire

NOVEMBER 3, 2023

The jobs report today which should move mortgage rates lower, demonstrates why it’s time for the Federal Reserve to land the plane. As I write this article, the 10-year yield is at 4.53%, and mortgage rates are heading lower! We had a solid job openings print this week and jobless claims are still near historic lows.

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VA makes major change to America’s most underutilized mortgage program

Housing Wire

MARCH 22, 2023

The program provides direct loans to Native American veterans and veterans who are married to Native American non-veterans to help with the purchase, construction or renovation of a home on trust land. Native Americans often face difficulty when accessing credit on tribal lands.

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Labor market report is good news for mortgage rates

Housing Wire

MAY 3, 2024

The labor market isn’t tight anymore and that will eventually be good news for mortgage rates. After last month’s jobs report, I talked about the path the Federal Reserve could take to land the plane based on wage growth data slowing down and getting closer to the Fed’s model. level, but it’s at least heading that way.

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Here’s another estimate of the financial losses from the LA wildfires

Housing Wire

JANUARY 30, 2025

Mike Hardy, a Los Angeles-based managing partner for Churchill Mortgage , is concerned about the preexisting housing shortage in LA. And then on top of it, there’s going to be billions of dollars of infrastructure improvements that will need to be made as well. The population is much greater than the homes available for sale or rent.

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Mortgage rates rise again following two weeks of declines

Housing Wire

SEPTEMBER 14, 2023

Mortgage rates inched back up this week and remain anchored north of 7% as investors focus on the impact of rising headline inflation ahead of next week’s Fed rate decision. By contrast, the 30-year fixed-rate mortgage was at 6.02% a year ago at this time. Other indices showed different mortgage rates this week.

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HUD announces $72.6M in new Native American community grants

Housing Wire

DECEMBER 9, 2024

The grant funds will be primarily deployed to bolster infrastructure, construction or renovation of community buildings, housing rehabilitation, land acquisition and economic development for the American Indian and Alaska Native populations. Department of Housing and Urban Development (HUD) on Monday announced the disbursement of $72.6

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Some lenders won’t survive the purchase mortgage market of 2022

Housing Wire

APRIL 14, 2022

Consolidation in the mortgage industry is likely in 2022, analysts and lending executives said. Justin Woodward has experienced the best and the worst of the mortgage industry in only 18 months. “I had not done first mortgage lending before, but I was familiar with the basics of real estate lending.

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Fed policy is set to change. How will mortgage rates respond?

Housing Wire

SEPTEMBER 17, 2024

Mortgage rates, which aren’t directly impacted by overnight interest rates, have nonetheless moved lower in recent months. At HousingWire ‘s Mortgage Rates Center on Tuesday, the average rate for a 30-year conforming loan was 6.34%. That figure was down 13 bps from a week ago and 26 bps lower than two weeks ago.

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What it’s like originating reverse mortgages in Montana

Housing Wire

JULY 16, 2024

The state of Montana may not be a key source of business for the reverse mortgage industry, but that doesn’t negate the reality that seniors who reside there might find the product useful for reaching some kind of financial goal. He joined the mortgage industry in 1990 and transitioned to the reverse channel in 2002.

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Meet the homeowners giving up 4% mortgages and opting for cash-out refis

Housing Wire

OCTOBER 19, 2023

In late August, when mortgage rates were well over 7% and beginning their climb toward 8%, Jeff Anderson had a client do what few other homeowners are willing to do: She gave up her 4% mortgage rate. By doing a cash-out refi, she landed a $340,000 FHA loan and locked in a 6.9% mortgage rate at the end of August. “At

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CoreLogic’s John Rogers on AI, climate risk and land development issues

Here’s why we won’t build millions of new homes

Trending Sources

Here are the 2025 Tech100 Mortgage Honorees

The Federal Reserve’s housing recession dilemma

Fannie Mae title pilot could save homeowners up to $1,692 per refi

Why title insurance is essential to the U.S. system of property rights

The labor report gives the Fed a clear pathway to land the plane

Opinion: Foreign land ownership legislation and principles for protecting property rights

Black Friday deals on a new home? Here you go

Rick Roque lands at NFM Lending

Contracts for deed are under federal mortgage protections: CFPB

As the lock-in effect eases, the market for new homes is shrinking

Why are mortgage rates surging?

What Metaverse real estate means for mortgage professionals

Georgia looks to protect residents from title theft with new law

As boomers retire with record housing wealth, finding accessible housing is a challenge

Cincinnati’s housing market in a word? Unpredictable

Housing resources and help for victims of the LA fires

Attempted Graceland sale exposes title, mortgage fraud tactics

Builders cheer up as mortgage rates fall

Surging for-sale inventory turns Florida into a buyer’s market

Kiavi lands another $300M in its latest RTL securitization

Rocket settles fair lending case on tribal lands

Solid jobs report sends mortgage rates lower

Mortgage applications stall with 8% rates

With lower costs and other value, rural areas are enticing for older homebuyers

Eyeing expansion, Go Mortgage snags 160+ former FoA employees

LA fires upend rental market as residents scramble for housing

Mortgage rates are falling as the labor market falters

ALTA responds to CFPB’s inquiry on mortgage fees

Proposal would allow Freddie Mac to acquire closed-end second mortgages

Housing market “stuck” as mortgage rates remain above 7%

Inside the 2025 housing market: inventory growth, affordability pressure, and what comes next

Top LO Tim Potempa joins E Mortgage Capital

At last: Softer labor data sends mortgage rates lower

VA makes major change to America’s most underutilized mortgage program

Labor market report is good news for mortgage rates

Here’s another estimate of the financial losses from the LA wildfires

Mortgage rates rise again following two weeks of declines

HUD announces $72.6M in new Native American community grants

Some lenders won’t survive the purchase mortgage market of 2022

Fed policy is set to change. How will mortgage rates respond?

What it’s like originating reverse mortgages in Montana

Meet the homeowners giving up 4% mortgages and opting for cash-out refis

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