Mortgages in the United States don’t move in lockstep with the 30-year Treasury bond. But the same factors influence both, and right now the 30-year […]

Periods of market stress often reveal that while the tools evolve, the foundations of successful capital markets execution remain remarkably consistent. The industry’s attention sometimes is […]

For much of the past two years, the mortgage industry has operated with one eye on the present and the other fixed firmly on the hope of a return to...

What’s striking about the current environment is just how many different forces are hitting the mortgage market at the same time, and how little room there is for clean, simple...

The U.S. economy right now feels a bit like a bar stool that has lost a few of its legs. As long as the remaining ones hold, everything looks stable...

For years, I have been asked the same question in different forms. Where does blockchain actually belong in mortgage and housing finance, and where is it being oversold? It is...

Every so often, the mortgage industry finds itself in a moment where politics, policy, and markets collide loudly and all at once. This past week was one of those moments....

Behind every mortgage rate, every lock extension, and every borrower question, there is a hidden world of precision, strategy, and high-stakes timing that few ever see. For most borrowers, asking...

Although it did nothing to UWM's stock price yesterday, United Wholesale Mortgage and Two Harbors Investment Corp. (“TWO”), an MSR-focused REIT and one of the largest servicers of conventional mortgages...

In an industry accustomed to turbulence, the current mortgage environment presents a peculiar contradiction. Lenders and capital markets teams express an uneasy confidence, aware that even a sure thing in...