Digital mortgages

Diversity initiatives for home appraisers would cut down the racism and bias within the valuation process.

When the economy inevitably slides, leaders with a culture based on the mantra, "Treat people like family, and the money will take care of itself," won't need a miracle to survive.

Whether low rates will continue to outweigh health and employment concerns for millennials and Generation Z remains to be seen.

Each state has a different set of laws that governs electronic notarization, and companies have varying interpretations, which can lead to delayed closings.

The Mortgage Industry Standards Maintenance Organization drew up the recommended wording in consultation with a group of lenders and investors after the passage of the Taxpayers First Act last year.