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The latest proposal for the two government-sponsored enterprises' affordable housing targets scales down some benchmarks for a tough market, but also raises one.

Lower interest rates could bolster loan demand, credit quality and securities portfolios. But they could also curb lending profitability faster than they ease deposit costs, crimping net interest margins and eating into near-term profits.

The company will fund the discount across the first two years through a special escrow account.

Naish Berran is senior sales executive director, INSTANDA for North America. He has spent more than a decade in the insurance technology and software industry and is responsible for business development initiatives at INSTANDA. Naish, his wife and two young daughters live in the Greater Philadelphia area, where he is a die-hard Philadelphia sports fan. Naish earned a bachelor's degree in business administration from Bloomsburg University. He can be reached at Naish.Berran@Instanda.com.

The Federal Reserve Chair's words were enough to send Treasury yields and the dollar lower and stocks higher on Friday as investors perceived a green light to take on risk. 

The firm's Buy Before You Sell product for lenders has tapped over $655 million in homeowner equity in the past 18 months.

The top metro saw a 106.9% increase in value of new residential housing units between Q4 2022 and Q4 2023

Trade groups welcome a proposed reverse-mortgage option for buyouts and are working with Ginnie Mae to hammer out the final operational details.

Researchers from Lehigh University concluded that telling commercially available language learning models, like ChatGPT, to "use no bias" significantly minimized it.

Martin Shillig is the CHRO at Casumo.