Rate Cuts Spark Refi Boom but Housing Supply Keeps Affordability Out of Reach
Yes, the Federal Open Market Committee cut its overnight fed funds rate last week, prompting banks to reduce their prime rates, and the…
Month: September 2025
Sep. 23: HELOC, AI assistant, CE, recapture products; Erin Dee on market-based affordability; LOs and consumer data
At the recent conferences I’ve attended, including here in Atlanta at the Loan Vision Innovation Conference , talk of federal government…
The Garrett, McAuley Report: September 21, 2025
For our Clients, Colleagues, and Friends, From time to time, we look at how certain mortgage stocks have done. Here’s how some of the…
Certainty and Confidence: Why Consumer-Permissioned Data is the Key to Winning First-Time Buyers
I’ve been in mortgage since 1991. Rates were north of 10%, “apply now” meant stacks of paper, and the concept of consumer-permissioned…
Sep. 22: LO jobs; wholesaler launch, HELOC, borrower service tools; lower rates don’t automatically equal better affordability
“My Colorblind friend just moved to Denver. He says it’s the capital of Ado.” Here in Denver at the ACUMA Conference, with roughly 650…
Sep. 20: A tale about not scrimping on marketing dollars; selling a home is expensive; secondary deals; Saturday Spotlight: Flyhomes
Today is 20 th of September, which means, of course, that tomorrow is the 21 st of September, a day celebrated by any fan of 70s tunes …
Sep. 19: U/W mgt., LO jobs nationwide; appraisal, borrower mining, rev. mtg. tools; Conv. conforming news; rates creeping up
In China, red symbolizes prosperity, protection, and welcoming energy, and so is a popular front door color for occupants, especially…
Capital Markets Recap: September 19, 2025
All eyes this week were on the Federal Reserve’s September meeting. As expected, the Fed cut the federal funds rate by 25-basis points to…
Sep. 19: U/W, LO jobs nationwide; appraisal, borrower mining, rev. mtg. tools; Conv. conforming news; rates creeping up
In China, red symbolizes prosperity, protection, and welcoming energy, and so is a popular front door color for occupants, especially when facing south. Here in […]
HomeLight: Q3 2025 Lender Insights & Predictions
As the final quarter of 2025 approaches, the single-family home market remains turbulent. A number of headwinds have defined 2025,…