Loan Think

As 2025 approaches, some lenders are already scaling operations, hiring talent, and preparing for the next cycle, despite ongoing market uncertainty, write leaders from Pennymac.

The unusual nature of a recent lawsuit from the Department of Justice has put a multi-billion-dollar industry in the position of deciding either to violate federal law or run afoul of the DOJ, writes the former Chief Legal Officer of Research In Motion Ltd.

Existing efforts to reform the Federal Home Loan Bank System may look dead on arrival in a Trump administration, but the proposed Department of Government Efficiency may not be able to resist such low-hanging fruit.

President Trump is likely to sign the revisions to Executive Order 12866, which will compel all federal agencies to "report up" to the White House and the Office of Management & Budget on initiatives that are not specifically authorized by Congress, writes the Chairman of Whalen Global Advisors.

The next administration should look for areas in title insurance, homeowners' insurance, and appraisals to pass savings back to homebuyers which could translate into homebuying power for those on the brink of accomplishing their goals, writes Vishal Garg.

A big part of the trouble with the RBC rule is that Ginnie Mae is essentially using its limited legal authority to qualify government issuers to impose sweeping changes on how IMBs operate writes the Chairman of Whalen Global Advisors.

Depending on who wins, it will be four years of progressive policy chaos or four years of indifference towards the housing market.

writes the Senior Economist for LendingTree

Using AI inferences to sensitive questions based on limited data within the mortgage industry could easily result in fair servicing violations if they, for example, prompted repeated outreach attempts to borrowers based on protected characteristics, writes the

Subsidies for first-time homebuyers, such as the one proposed by Democratic Presidential nominee Kamala Harris, will only stoke demand and exacerbate the crisis, writes the chairman of Whalen Global Advisors.