#promotional-lending-offers

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Real estate
fromwww.housingwire.com
1 day ago

Home Equity Emerges as a Generational Growth Strategy for Originators

Home equity is becoming a key strategy for lenders as homeowners seek liquidity without refinancing low-rate mortgages.
SF real estate
fromwww.housingwire.com
2 days ago

New credit scores models raise questions on LLPAs and liquidity

New credit score models aim to lower mortgage costs while managing lender risk, incorporating more borrower data for FHA loans.
#student-loans
Higher education
fromwww.businessinsider.com
3 days ago

Millions of student-loan borrowers are losing access to a key repayment option. A major private lender is stepping in.

Federal changes to student loans have prompted private lenders to introduce new financing options for graduate students.
fromFast Company
1 week ago
Higher education

Private student loans: A cautionary guide to your options

Filing FAFSA and applying for scholarships can help manage college costs, but cosigning private loans poses risks to parents' finances and relationships.
Higher education
fromwww.businessinsider.com
3 days ago

Millions of student-loan borrowers are losing access to a key repayment option. A major private lender is stepping in.

Federal changes to student loans have prompted private lenders to introduce new financing options for graduate students.
Higher education
fromFast Company
1 week ago

Private student loans: A cautionary guide to your options

Filing FAFSA and applying for scholarships can help manage college costs, but cosigning private loans poses risks to parents' finances and relationships.
Washington DC
fromwww.housingwire.com
3 days ago

Loan Officers are Going to Washington

The Mortgage Bankers Association mobilized 50 loan officers to advocate for housing policy in Washington, emphasizing the importance of real stories in advocacy.
Bootstrapping
fromTearsheet
4 days ago

How Block built a $200 billion credit operation by seeing customers traditional lenders can't - Tearsheet

The US credit system excludes 100 million Americans, but Block's innovative lending products aim to serve those underserved customers effectively.
Fundraising
fromwww.housingwire.com
4 days ago

These are the top brokers in HousingWire's Mortgage Rankings

Cooke is dedicated to supporting veterans through specialized mortgage services, achieving significant success in his first year with World Home Loans.
Careers
fromwww.businessinsider.com
6 days ago

One of the most stressful jobs in finance right now: private credit sales

Private credit professionals are shifting from growth to defense as redemption requests rise and concerns about credit quality increase.
#banking
Business
fromTearsheet
6 days ago

Banks had an uneventful Q1, but competition for financial flows is heating up - Tearsheet

Q1 2026 showed steady consumer spending and resilient credit metrics, with banks focusing on cash flow and customer interaction improvements.
Business
fromTearsheet
6 days ago

Banks had an uneventful Q1, but competition for financial flows is heating up - Tearsheet

Q1 2026 showed steady consumer spending and resilient credit metrics, with banks focusing on cash flow and customer interaction improvements.
#mortgage-industry
Real estate
fromwww.housingwire.com
2 days ago

We may finally be near the bottom of the mortgage market cycle

The mortgage industry is cyclical, requiring a focus on fundamentals during unstable times to ensure long-term success.
#fico
Real estate
fromwww.housingwire.com
2 days ago

The Cost of Cheaper: Why Lower Score Fees Could Raise Mortgage Costs

FICO and VantageScore present different pricing structures, but the true cost implications in mortgage markets extend beyond initial score fees.
Real estate
fromwww.housingwire.com
1 month ago

Hawley probes FICO mortgage credit score pricing

FICO's pricing practices raise concerns about monopoly power and impact on mortgage costs for borrowers, especially first-time homebuyers.
Real estate
fromwww.housingwire.com
2 days ago

The Cost of Cheaper: Why Lower Score Fees Could Raise Mortgage Costs

FICO and VantageScore present different pricing structures, but the true cost implications in mortgage markets extend beyond initial score fees.
Real estate
fromwww.housingwire.com
1 month ago

Hawley probes FICO mortgage credit score pricing

FICO's pricing practices raise concerns about monopoly power and impact on mortgage costs for borrowers, especially first-time homebuyers.
from24/7 Wall St.
1 week ago

I've Always Paid with a Debit Card, But Is a Credit Card Better?

Using a credit card can help build better credit, earn rewards like frequent flyer miles, and take advantage of other benefits that debit cards do not offer.
Cryptocurrency
Real estate
fromwww.housingwire.com
4 days ago

Mortgage industry welcomes new credit score models, urges further reform

FHA plans to adopt new credit scoring models to expand access to credit while maintaining underwriting rigor.
Bootstrapping
fromIndependent
2 weeks ago

How to avoid the moneylender pitfalls catching out vulnerable borrowers in Ireland

Short-term loans offer quick cash but often come with hidden costs due to confusing interest rates.
Real estate
fromwww.housingwire.com
5 days ago

10 Myths Loan Originators Believe about Reverse Mortgages and the Reality that Could Change their Business

Senior homeowners hold $14.6 trillion in housing wealth, presenting a significant opportunity for mortgage originators through reverse mortgages.
Real estate
fromwww.housingwire.com
6 days ago

Loan officer mobility slows again in 2025, RETR reports

Loan officer mobility is declining due to a preference for stability and consistent deal flow over compensation differences.
Bootstrapping
fromBusiness Matters
3 weeks ago

Unsecured vs Secured Business Loans: Which One Gets Approved Faster?

Approval speed is crucial for business loans, with secured loans offering lower risk and costs compared to unsecured loans.
Real estate
fromwww.housingwire.com
1 week ago

Portable credit reports could lower costs, but fraud worries persist

Consumer-controlled portable credit reports could reduce costs and repeat pulls, but may increase fraud risk according to credit reporting advocates.
Real estate
fromwww.housingwire.com
1 week ago

IMB profits per loan rise in 2025 but remain below historic norms

Profitability improved in 2025 despite rising origination costs and compressed production margins, highlighting the importance of servicing income for lenders.
Real estate
fromwww.housingwire.com
1 week ago

The rise of HELOCs: What it means for originators in today's market

Homeowners are increasingly using HELOCs to access cash while retaining low mortgage rates, creating opportunities for originators.
fromwww.housingwire.com
2 weeks ago

loanDepot, Figure team on express home loan and equity products

The 55 HomeLoan is structured to deliver approvals in as little as five minutes and funding in as few as five days, providing borrowers with a cash-like option for speed and certainty of close.
Real estate
Real estate
fromwww.housingwire.com
2 weeks ago

Borrowers have a new agent. Is your organization built for it?

AI is shifting negotiating power from lenders to borrowers, requiring institutions to adapt or risk losing competitive advantage.
SF real estate
fromwww.housingwire.com
1 month ago

From loan pools to consumer wallets: The ripple effects of credit score lender choice

The FHFA directed approval of two credit scores despite GSEs recommending only FICO 10T, and a lender-choice model between FICO and VantageScore will create pricing inconsistencies and risk measurement challenges in the secondary mortgage market.
#mortgage-underwriting
Real estate
fromwww.housingwire.com
2 weeks ago

Verification first: Why mortgage lending must rethink income and how it actually works

Mortgage underwriting needs to evolve from document-driven methods to assessing income behavior for better risk evaluation.
Real estate
fromwww.housingwire.com
1 month ago

Verification is the new credit score

The mortgage industry's core challenge is data confidence and reconciliation across multiple independent systems, not processing speed, as traditional credit scores cannot validate the consistency and reliability of increasingly complex data sources.
Miscellaneous
fromSlate Magazine
1 month ago

This 'Money-Saving Perk' Sounds Too Good to Be True. It's a Scam, Right?

Cash-back rewards are funded by interchange fees that merchants pay, ultimately passed to consumers through higher prices or reduced business options.
Marketing
fromwww.theguardian.com
2 months ago

Friends with benefits: how referral schemes can really pay off

Refer-a-friend schemes reward both referrer and referee, attract customers cost-effectively, and require honesty and consumer caution when recommending services.
Online marketing
fromSocial Media Explorer
1 month ago

Balancing Credit Building with Credit Caution - Social Media Explorer

Build credit steadily and intentionally through consistent, responsible use rather than aggressive account opening, as time and payment history matter more than rapid activity.
Marketing tech
fromAdExchanger
1 month ago

Sallie Has An Ad Business And Meta Is Declining Credit Cards | AdExchanger

Meta eliminates credit card payments for advertisers, requiring invoice-based payments to combat fraud, while Sallie Mae launches Backpack Media, a retail media network leveraging student financial data for targeted advertising.
Real estate
fromIndependent
4 weeks ago

Your money questions: Is it possible to switch my mortgage from the bank to a local credit union?

Switching mortgages to credit unions is increasingly common as members seek local financial management and competitive interest rates.
Miscellaneous
fromLondon Business News | Londonlovesbusiness.com
1 month ago

How does a personal loan work? From bank loans to alternative financing options - London Business News | Londonlovesbusiness.com

Personal loans are unsecured borrowings repaid in fixed monthly installments, approved based on credit profile and income, commonly used for debt consolidation, emergencies, and home improvements.
E-Commerce
fromwww.theguardian.com
2 months ago

Buy now, pay later: how to use it without getting into debt

Buy now, pay later spreads purchases into installments interest-free if payments are made on time, but lacks regulation until July 2024 when the FCA begins oversight to protect consumers.
Startup companies
fromwww.housingwire.com
1 month ago

Anthony Casa on UMortgage's new broker model empowering loan originators

UMortgage launched a broker model giving loan originators autonomy, higher earning potential, and access to proprietary technology, with top producers keeping 100% revenue beyond a corporate margin cap after 50 funded loans annually.
Law
fromwww.housingwire.com
1 month ago

Trigger leads restrictions rewrite mortgage outreach rules

A new federal law effective March 5 prohibits credit bureaus from selling trigger leads to lenders, significantly reducing unsolicited mortgage solicitations unless consumers opt in or lenders have existing relationships.
Business
fromIndependent
1 month ago

Money experts on the pros and cons of borrowing - and whether they have any loans themselves

Debt can be categorized as good or bad depending on whether it finances appreciating assets or depreciating expenses, making strategic borrowing potentially beneficial despite cultural stigma against all debt.
Real estate
fromwww.housingwire.com
1 month ago

NEXA Lending targets recurring income model for loan originators

NEXA's initiative allows loan originators to access recurring revenue from mortgage servicing rights, enhancing alignment with long-term loan outcomes.
Online marketing
fromwww.housingwire.com
2 months ago

Mortgage lead prices to rise as trigger lead ban disrupts lenders

Removal of low-cost trigger leads is driving lenders to bid for scarce internet and first-party leads, increasing lead costs and shifting demand to vetted sources.
fromwww.npr.org
2 months ago

A 'Shark Tank' alum needed cash to pay tariffs. This shadowy lending world was ready

"Point me in the direction of what dollar amount you need, and we'll get it priced out and funded today!" It's Bella, it's Jake, it's Zevi strangers offering quick cash to help Joshua Esnard's small business in North Carolina. How does $350,000 sound? Or $768,000 and up to $900,000? Approval in an hour, they say, money in a day. "No gimmicks, Joshua." "No hidden fees, No BS."
US news
fromLondon Business News | Londonlovesbusiness.com
2 months ago

What are my rights as a borrower? - London Business News | Londonlovesbusiness.com

Taking out a loan can feel like stepping into unfamiliar territory. Questions pile up fast. How much can they charge me? What happens if I miss a payment? Can they call my workplace? Here's what most borrowers don't realize. Singapore's Moneylenders Act grants you significant legal protections. These aren't suggestions lenders can ignore. They're enforceable rules backed by the Ministry of Law. Every licensed money lender operating in Singapore follows them. No exceptions.
Law
Miscellaneous
from24/7 Wall St.
1 month ago

3 Clear Winners When Exploring High-Yield Savings Accounts

High yield savings accounts and money market funds offer FDIC-insured returns of 3.3% or higher with full liquidity and no early withdrawal penalties, making them attractive alternatives to traditional CDs in volatile markets.
Business
fromLondon Business News | Londonlovesbusiness.com
2 months ago

Easy start feature from Cashfloat puts borrowers back in control of loan repayment flexibility - London Business News | Londonlovesbusiness.com

Cashfloat's Easy Start lets borrowers reduce initial repayments by deferring one payment to loan end, without extra interest and without changing loan terms.
fromwww.housingwire.com
1 month ago

How mentorship, not recruiting alone, builds strong loan officers

Mentorship puts an experienced professional beside another while real loans are happening, so learning happens in real time. Not in theory. Not in a webinar.
Real estate
#mortgage-lending
Real estate
fromwww.housingwire.com
1 month ago

The mortgage industry built a sales infrastructure. It now needs a navigation infrastructure

Mortgage lending's efficiency may obscure its complexities, necessitating a shift from sales infrastructure to navigation infrastructure for better borrower understanding.
Real estate
fromwww.housingwire.com
1 month ago

The mortgage industry built a sales infrastructure. It now needs a navigation infrastructure

Mortgage lending's efficiency may obscure its complexities, necessitating a shift from sales infrastructure to navigation infrastructure for better borrower understanding.
#mortgage
Real estate
fromwww.housingwire.com
1 month ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
fromwww.housingwire.com
2 months ago
Real estate

AI training for loan officers: Why AI proficiency is critical for helping borrowers

Effective AI use as an assistive tool enhances loan officers' preparation, education, and speed while preserving human judgment, accountability, and compliance.
Real estate
fromwww.housingwire.com
1 month ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
Real estate
fromwww.housingwire.com
1 month ago

IMB per-loan profits fell 44% in Q4 2025

Mortgage company production profits improved to 17 basis points in Q4 2025 from losses of 4 basis points in Q4 2024, though profits declined sequentially from Q3 2025.
Real estate
fromwww.housingwire.com
1 month ago

The industry's quiet first line of defense

Title agents perform critical fraud detection work during real estate transactions that remains largely invisible to buyers, sellers, and lenders despite being more important than the visible closing process.
Real estate
fromwww.housingwire.com
1 month ago

Banks eye mortgage growth if Basel III capital rules ease

Bank executives anticipate Basel III recalibration could increase mortgage and MSR attractiveness through lower risk weights and LTV-sensitive capital requirements, though implementation is expected to be gradual.
Real estate
fromwww.housingwire.com
1 month ago

Is it time to bring banks back to the mortgage business?

Mortgage loan origination collapsed from 14.2 million in 2021 to under 5 million in 2023, with independent mortgage banks filling the gap while maintaining quality, yet regulators and industry leaders argue banks should re-engage to restore competition and customer relationships.
Real estate
fromwww.housingwire.com
1 month ago

9 Strategies to Build Mortgage Referral Clients & Your Pipeline

Strong mortgage pipelines develop through intentional, trust-based referral partnerships that prioritize relationship-driven introductions over transactional leads, requiring deliberate actions that create genuine value for partners.
Real estate
fromwww.housingwire.com
1 month ago

5 Referral Partners Every Loan Officer Needs to Build a Resilient Pipeline

Loan officers must cultivate diverse referral partnerships across multiple partner types to build stable, sustainable pipelines that withstand market cycles and unpredictable homebuying demand.
fromRedfin | Real Estate Tips for Home Buying, Selling & More
1 month ago

Can You Get a Mortgage on Land? Land Loan vs Mortgage Explained

In most cases, lenders will not issue a traditional mortgage for land that does not already have a home or building on it. Mortgages are designed for developed properties because houses provide immediate collateral value and are generally easier to sell if a borrower defaults.
Real estate
Real estate
fromwww.housingwire.com
1 month ago

Logan Finance rolls out new product tier for high-balance non-QMs

Logan Finance launches Open Road Elevated, a high-balance non-QM lending program offering up to $5 million loans through four specialized pathways for borrowers with complex financial profiles.
Real estate
fromwww.housingwire.com
1 month ago

Lender choice relies on the myth of adverse selection

Mortgage lenders choosing between FICO Classic and VantageScore 4.0 credit scores will not cause adverse selection because regulatory frameworks and GSE controls prevent gaming, and VantageScore 4.0 provides superior risk assessment.
Real estate
fromwww.housingwire.com
1 month ago

loanDepot reenters wholesale lending after 2022 exit

loanDepot is re-entering the wholesale mortgage channel after shutting it down in 2022, positioning itself to compete in a market dominated by UWM, Rocket Mortgage, and Pennymac.
Real estate
fromwww.housingwire.com
1 month ago

Private credit didn't fix middle-market CRE. It delayed a reckoning

Private credit's market expansion masked fundamental inefficiencies in commercial real estate lending that now surface as refinancing accelerates in a higher-rate environment.
Real estate
fromwww.housingwire.com
1 month ago

Why mortgage licensing must be a priority for private lenders In 2026

Mortgage licensing is a critical legal and deal-enabling priority for private lenders, not an operational afterthought, with significant consequences for non-compliance including usury exposure, penalties, and loan enforceability risks.
Real estate
fromwww.housingwire.com
2 months ago

Regulators urged to ease bank capital rules for mortgages

Trade groups asked regulators to recalibrate bank capital requirements for residential mortgages, MSRs, and warehouse lending to better reflect current risk and protections.
Real estate
fromwww.housingwire.com
1 month ago

The 200-Basis-point gap: Why many lenders are leaving money on the table

A persistent 200 basis point performance gap between top and bottom tier lenders reflects structural industry inefficiency, not cyclical conditions, with top lenders earning 139 basis points while bottom lenders lose 70 basis points.
Real estate
fromwww.housingwire.com
2 months ago

Mortgage applications dip 0.3% as FHA and ARM shares rise

Mortgage applications were largely flat as 30-year fixed rates held at 6.21%, FHA and ARM shares rose while conventional applications fell.
Real estate
fromwww.housingwire.com
1 month ago

Experian imposes another price increase on mortgage lenders

Credit report prices for mortgage lenders have increased up to 50% in 2026 as competition intensifies among credit scoring providers following FHFA's approval of VantageScore 4.0 as an alternative to FICO.
Real estate
fromwww.housingwire.com
2 months ago

Foyer, Prosperity Home Mortgage partner on savings platform

Foyer and Prosperity launched a partnership providing savings-match, credit education and live advisers to help first-time buyers save for down payments and build readiness.
Real estate
fromwww.housingwire.com
2 months ago

UMortgage launches flat-fee model to recruit 1,000 loan officers

UMortgage moved to a flat-fee broker model that eliminates the $995 fee after 50 funded loans and aims to expand to 1,000 loan officers.
fromwww.housingwire.com
1 month ago

Mortgage applications jump 11%, refinances lead the gains

Refinance applications increased for the fourth straight week to the strongest pace since 2022, with conventional refinances up 20%. The increase in the average loan size for refinances indicates that more borrowers with larger loan sizes are seeking to lower their monthly payments.
Real estate
fromwww.housingwire.com
1 month ago

AD Mortgage launches its largest non-QM securitization yet

The deal represents a defining milestone for the firm. It reflects not only the continued strength of the non-QM RMBS market, but also the confidence investors place in our platform and in AD non-QM mortgages as a premier asset class.
Real estate
Real estate
fromwww.housingwire.com
1 month ago

UWM, Chase roll out temporary mortgage pricing incentives

UWM and Chase Home Lending launched limited-time mortgage rate incentives to attract borrowers, following strong 2025 earnings growth and previous promotional campaigns.
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