Fannie Mae & Freddie Mac Loosen Credit Standards for 2026 Buyers
Thursday, December 18
The mortgage world received a surprise that few expected this late in the year. Fannie Mae officially removed its long standing 620 minimum FICO requirement for Desktop Underwriter submissions, bringing it in line with Freddie Mac’s Loan Product Advisor. Instead of relying on a hard credit score...
How a K-Shaped Economy Is Changing California Homeownership & Lending
Thursday, December 11
There is a strange tension in the air right now when people talk about money. On one hand, the headlines celebrate record stock gains, rising home values and an economy that looks strong on paper. On the other hand, borrowers, homeowners, and even seasoned professionals quietly admit that everyd...
Mortgage Rates Hit 3-Year Low: What Buyers & Investors Expect 2026
Thursday, December 04
Mortgage rates took a noticeable dip recently and the change felt different from the small ups and downs we have seen over the past year. It has been a long stretch of choppy movement and cautious optimism, so seeing rates fall back to levels we have not had since late 2022 brought a new kind of...
Non QM, Bridge Loans & Flexible Lending: Finding Opportunities Today
Tuesday, November 25
As we move deeper into the fourth quarter, there is no denying that the market feels different this year. While rates, policy changes, and economic data remain in the headlines, many brokers are quietly turning toward creative and flexible lending programs, to keep pipelines full and clients mov...
Social Security Reforms May Be Coming and What It Means for Today’s In
Thursday, November 20
The topic of Social Security might not sound exciting, but it has quietly become one of the biggest financial conversations of 2025. Earlier this year, the Social Security Administration updated its projection, estimating that the program could run short of funds by 2032. It will not disappear, ...
Could 50-Year Mortgages Really Fix Housing Affordability?
Thursday, November 13
Every few years, something new comes along in housing that makes everyone stop and ask, “Would that really work?” The latest headline comes straight from Washington, where President Donald Trump has floated the idea of a 50-year mortgage as part of a broader push to make homeownership more afford...