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img.h-2.mr-1 {
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@media screen and (min-width: 760px) {
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}

div#ad-header {
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.site-main .type-page a {
	text-decoration: revert;
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/** research page **/
.hbspt-form .hs-submit .hs-button:hover {
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/** hide right column for default research whitepaper **/
.postid-460959 .cell.large-shrink.small-order-1.medium-order-2 {
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}

/** membership page **/
.page-id-297874 .box-border,
.page-id-227805 .box-border {
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	padding: 20px;
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.page-id-297874 .box-border:hover,
.page-id-227805 .box-border:hover {
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.page-id-297874 #main,
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.widget-area section#custom_html-2 {
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}

/*** MRC page ***/
.page-id-369971 .site-main blockquote.wp-block-quote {
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}

/*** default cover block - no padding ***/
.page-id-369971 .site-header.sticky-header,
.page-id-464074 .site-header.sticky-header, 
.page-id-467761 .site-header.sticky-header,
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.page-id-474706 .site-header.sticky-header,
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}

.page-id-369971 #main .entry-content,
.page-id-464074 #main .entry-content,
.page-id-467761 #main .entry-content,
.page-id-476693 #main .entry-content,
.page-id-474706 #main .entry-content,
.page-id-493097 #main .entry-content {
	margin-top: 0 !important;
}

.page-id-369971 .site-main,
.page-id-464074 .site-main,
.page-id-467761 .site-main,
.page-id-476693 .site-main,
.page-id-474706 .site-main,
.page-id-493097 .site-main {
	padding-top: 0 !important;
}

/*** commission lawsuit event page ***/
.postid-437476 .cell.large-shrink.small-order-1.medium-order-2 {
	display: none;
}

/*** HousingWeek page ***/
.qi-block-timeline .qodef-e-title a {
	text-decoration: underline !important;
}

.page-id-437536 .qi-block-timeline .qodef-e-image img {
	max-width: 300px;
}

.page-id-437536 header.site-header {
	margin-bottom: 0 !important;
}

.page-id-437536 .site-main,
.page-id-437536 .entry-content {
	margin-top: 0 !important;
	padding-top: 0 !important;
}

/*** Real Estate landing page***/
.page-id-376444 header#masthead {
	margin-bottom: 0;
}

.page-id-376444 .site-main {
	padding-top: 0;
}

.page-id-376444 .entry-content {
	margin-top: 0;
}

/*** RMD Reverse landing page ***/
.page-id-419529 .regulation-news .featured-post--horizontal,
.page-id-419529 .lenders-news .featured-post--horizontal {
	display: block;
}

.page-id-419529 .regulation-news .featured-post--horizontal .container__img, 
.page-id-419529 .lenders-news .featured-post--horizontal .container__img {
	width: 100%;
}

.hero-paragraph {
	width: 80%;
}

.page-id-419529 .rmd-events-feed .date-posted,
.page-id-419529 .rmd-events-feed .author {
	display: none;
}

.page-id-419529 .rmd-podcast-feed .container__img {
	display: none;
}

/*** MRC Logan feature copy ***/
.mortgage-rates-feature {
	width: 80%;
	margin: 10px auto;
}

/***
eggshell: #F8F7F4
Roof Black: #1A1F22
bg: #e5e2de
***/
/** Bo style **/
/** featured post */
/* .home .tag-post-outer .featured-image {
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.hero-posts .featured-image:hover .featured-overlay {
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.home .tag-post-outer .featured-image .featured-overlay .read-now a {
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	border: 1px solid #1A1F22;
	background-color: #1A1F22;
}

.home .tag-post-outer .featured-image .featured-overlay .entry-title .hwplus-text {
	display: none;
}

.home .posts-list h3.bottom-border {
	border-bottom: 1px solid #1a1f22 !important;
}

/** piano overrides **/
h3.cx-item.text-only:hover {
	text-decoration: none !important;
}

.cx-flex-module[data-cx_zgn1] {
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}

/* .tp-cxense-placeholder-inline .container__view--category {
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.container__view--category span, .container__view span {
	border-left: .625rem solid #E8E2DE;
}

.button.view {
	color: #000;
	background-color: #E8E2DE;
	border: 1px solid #1A1F22;
	font-size: .8125rem;
	font-weight: 400;
	width: 4.75rem;
	margin-top: 10px;
}

/* .cx-flex-module[data-cx_zgn1] .cx-item.text-only,
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    font-weight: 600 !important;
    padding: 0.875rem !important;
    border-bottom: 1px solid #1A1F22 !important;
	margin:0 !important;
	min-height: 70px;
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.post-template-default .posts-list__item.container__txt.bottom-border a {
	font-weight: 600;
	font-size: 1rem;
}

li.posts-list__item.container__txt.bottom-border.post-419786.post.type-post.status-publish.format-standard.has-post-thumbnail.hentry {
	margin-bottom: 0;
}

.posts-list--articles .posts-list__item:nth-last-of-type(2), 
.cx-flex-module[data-cx_zgn1] .cx-item.text-only,
li.posts-list__item.container__txt.bottom-border.post-419748.post.type-post.status-publish.format-standard.has-post-thumbnail.hentry.bottom-border {
	border-bottom: 1px solid #1a1f22;
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li.posts-list__item.container__txt.bottom-border.hentry {
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}

/* .site-header .menu-top-bar-menu-container {
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	color: #1A1F22 !important;
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.site-header .menu-top-bar-menu-container ul li:hover a {
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}

.home li.posts-list__item {
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	padding: 0;
	margin: 0;
}

.cx-text-module[data-cx_28rn] p.author, 
.cx-flex-module[data-cx_m5av] p.author {
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.cx-flex-module[data-cx_m5av] span.readmore a {
	color: inherit;
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.cx-flex-module[data-cx_m5av] span.readmore a .arrow-right {
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.single-sponsored-content .sponsored-content-header-content .cat-links:not(.tag-links) a {
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/*** default empty style ***/
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	border-radius:0;
}
.post-tag-list ul li a:hover,
.entry-header .cat-links a:hover {
	background-color:#1A1F22;
	color:#F8F7F4 !important;
} */
/* .single-sponsored-content .sponsored-content-header-content.charcoal-theme .cat-links.tag-links a {
	border: 1px solid #F8F7F4 !important;
	border-radius:0;
}
.single-sponsored-content .sponsored-content-header-content.charcoal-theme .cat-links.tag-links a:hover {
	color:#1a1f22 !important;
} */
footer h3.widget-title {
	color: #fff;
}

blockquote.wp-block-quote {
	font-weight: normal;
	border-left: 0;
/* color: #fff; */
	border: 1px solid #1a1f22;
	background-color: #f8f7f4;
}

.page-id-369971 blockquote.wp-block-quote p {
	max-width: 85%;
	margin: 15px auto;
}

.has-black-background-color {
	background-color: #1a1f22;
}

/*** end ***/
/*** newsletter block ***/
.newsletter-cta.has-background {
	background-color: #F8F7F4 !important;
	margin-right: 0;
	margin-left: 0;
}

.newsletter-cta.has-background .wp-block-button__link {
	background-color: transparent;
	color: #1A1F22;
	border: 1px solid #1A1F22;
}

.newsletter-cta.has-background .wp-block-button__link:hover {
	background-color: #1A1F22;
	color: #F8F7F4;
	border: 1px solid #F8F7F4;
}

button.wp-block-button__link.button__subscribe.button__category {
	border: 1px solid #F8F7F4 !important;
	color: #F8F7F4;
}

button.wp-block-button__link.button__subscribe.button__category:hover {
	background-color: #F8F7F4;
	color: #1A1F22;
}

.newsletter-category-form .wp-block-buttons button.wp-block-button__link.button__subscribe.button__category {
	background-color: transparent;
}

.newsletter-category-form .wp-block-buttons button.wp-block-button__link.button__subscribe.button__category:hover {
	background-color: #F8F7F4;
}

.newsletter-category-form .gdpr-label input[type=checkbox]:checked+span::before {
	background: transparent;
	border-color: #F8F7F4;
}

.newsletter-category-form .gdpr-label a {
	color: #F8F7F4;
}

/*** end ***/
.main-navigation .extras__login {
	background: transparent;
	color: #1A1F22 !important;
}

.div-highlight-background {
	background-color: #f8f7f4 !important;
}

.main-navigation .extras__login:hover {
	background: transparent;
	color: #767672 !important;
}

a:hover {
	color: #767672;
}

.search .widget_search .enterprise-search-filters-widget__filter-list li label.checked:before,
input#submit {
	background-color: #1a1f22;
	border-color: #1a1f22;
}

button.button__search:hover,
input#submit:hover {
	color: #F8F7F4;
	background-color: #1a1f22 !important;
}

.has-red-line:after, 
.has-red-line:before {
	background-color: #1A1F22;
	height: .125rem;
	top: -8px;
}

/* .super-nav-bar, footer {
	background: #1A1F22;
} */
.page-id-297874 .featured-post .container__txt p {
	font-size: .875rem;
}

/* body,
.main-navigation .overlay, 
.site-header.sticky-header {
	background-color:#e5e2de;
} 
body, .button__search, .main-navigation .extras__hamburger button, h1, h2, h3, .faq .accordion-title:before  {
	color: #1A1F22;
}
a {
	color:#1A1F22;
} */
.posts-list .author, .posts-list .author a, .featured-post--horizontal .author, .featured-post--horizontal .author a {
	color: #1c1f22;
}

.posts-list .date-posted {
	color: #1c1f22;
}

#main {
	background: transparent;
}

/* .main-navigation .overlay {
	border-color:#1A1F22;
} */
h2 a.entry-title,
.post-item,
.cx-text-module[data-cx_ldnh] {
	color: #1A1F22;
	background-color: transparent !important;
	font-size: .875rem;
	line-height: 1rem;
	font-weight: 600;
}

.category-archive h2 {
	color: #f8f7f4;
}

.category-archive h2.has-red-line {
	color: #1A1F22;
}

#infinite-handle span {
	background-color: transparent !important;
	border: 1px solid #1a1f22 !important;
	color: #1a1f22 !important;
}

#infinite-handle span:hover {
	background-color: #1a1f22 !important;
	border: 1px solid #1a1f22 !important;
	color: #f8f7f4 !important;
}

/* #loadmore a, .button, .post-type-archive-how_event #next-event-loadmore a, .post-type-archive-how_event #pre-event-loadmore a, .post-type-archive-how_webinar #pre-webinar-loadmore a, button, input[type=button], input[type=reset], input[type=submit] {
    border: 1px solid #1A1F22;
    background-color: transparent;
    color: #1A1F22;
} */
/** end **/
/** comments **/
.comments-area footer {
	background-color: transparent;
}

.comments-area .comment {
	border-bottom: 1px solid #1A1F22;
}

/** end **/
/** top bar **/
.text-center.exclusive-content-logo {
	display: none;
}

/*.top-bar-posts .single:not(:last-child) {
    border-right: 1px solid #999;
}
.top-bar-posts .single .content {
    padding-left: 0;
    line-height: 1;
    width: 100%;
}
.top-bar-posts .cell.small-3.align-middle.image {
    display: none;
}
.top-bar-posts .single .content a {
    font-size: 0.875rem;
    font-weight: 600;
    text-decoration: none;
    line-height: 1.4;
}*/
/** end top bar **/
.home .tag-post-outer .featured-image .featured-overlay .entry-title {
	color: #F8F7F4 !important;
}

/* .page-id-367197 .posts-list__item.hw-main-site.bottom-border {
	padding-bottom:0;
} */
.page-id-367197 .cell.featured-post.grey-background.flex-container.flex-dir-column {
	position: relative;
	overflow: hidden;
}

.featured-post.grey-background.flex-container.flex-dir-column {
	border-bottom: 1px solid #000;
}

.page-id-367197 .cell.featured-post.grey-background.flex-container.flex-dir-column:hover .container__txt.flex-container.flex-dir-column.align-justify {
	top: auto;
	bottom: 0;
	transition: all .3s ease;
	max-height: 300px !important;
}

.page-id-367197 .cell.featured-post.grey-background.flex-container.flex-dir-column .entry-title {
	color: #F8F7F4;
	font-size: .875rem;
	margin-bottom: 10px;
}

.page-id-367197 aside.widget-area {
	padding-top: .675rem;
}

.wp-block-housingwire-piano-member .tp-container-inner:before {
	background: -webkit-linear-gradient(top,hsla(0,0%,98.4%,0), #e5e2de);
}

/** post pages **/
.featured-post--horizontal.grey-background.flex-container.flex-dir-column,
.featured-post.grey-background.flex-container.flex-dir-column {
	background-color: transparent;
}

.featured-post--horizontal a, .featured-post--pulse a {
	font-size: 1.25rem;
	font-weight: 600;
}

.posts-list__item.container__txt a.entry-title {
	font-weight: 600;
}

.featured-post--video .container__img:before, .featured-post .type-how_video .container__img:before {
	background-color: #1a1f22;
}

.has-red-line--no-after:before {
	background-color: #1a1f22;
}

.blog .search .posts-list .container__txt {
	border-bottom: 1px solid #1a1f22;
}

/** events **/
.post-type-archive-how_event .featured-section {
	background: #cecac5;
}

.post-type-archive-how_event .featured-section .event-list .event-card .button-outer .button, 
.event-list .event-card .event-data .button-outer .button, 
.event-filters .flex-container .button {
	color: #f8f7f4;
	border: 1px solid #1c1f22;
}

.post-type-archive-how_event .featured-section .event-list .event-card .button-outer .button:hover, 
.event-list .event-card .event-data .button-outer .button:hover, 
.event-filters .flex-container .button:hover {
	color: #1c1f22;
	background: transparent;
	border: 1px solid #1c1f22;
}

.event-list .event-card .event-data {
	border: 1px solid #ccc !important;
}

.event-list .event-card .event-data:hover {
	border: 1px solid #1c1f22 !important;
}

.post-type-archive-how_event .category-archive h2 {
	color: #1c1f22;
}

.event-data .topic {
	background: #cecac5;
	color: #1c1f22;
}

.featured-post--video .container__img {
	min-height: 0;
}

/** end events **/
@media (min-width: 64em) {
	.h1.page-title, h1.page-title {
		font-size: 2.5rem;
		line-height: 1.35em;
	}
}

/** mobile **/
@media (max-width: 480px) {
	h1.page-title {
		font-size: 1.5rem;
		line-height: 2rem;
	}
	
	.entry-header p.sub-title {
		font-size: 1rem;
	}
	
	.container__img,
												#cx-first-item .container__img {
		min-height: auto !important;
	}
	
	.container__txt.flex-container.flex-dir-column.align-justify,
												.container__txt.flex-container.flex-dir-column.align-justify, .home .tag-post-outer .featured-image .featured-overlay {
		position: relative !important;
		bottom: auto !important;
		max-height: none !important;
		background-color: #1A1F22 !important;
	}
	
	.site-header.sticky-header.overlay-active {
		background-color: #1c1f22;
	}
	
	.main-navigation .overlay {
		background-color: transparent;
	}
	
	.site-header.overlay-active .extras__hamburger button {
		color: #f8f7f4;
	}
	
	.site-header.overlay-active #main-menu-top .menu-item-has-children .sub-menu,
												.site-header.overlay-active .menu-top-bar-menu-container ul {
		background-color: #151617;
	}
	
	button.overlay__newsletter,
												button.login-link {
		border: 1px solid #f8f7f4;
		color: #f8f7f4;
	}
	
	#main-menu-top .menu-item-has-children button.mob-down-arrow {
		color: #f8f7f4;
	}
	
	.post-tag-list ul li a, .entry-header .cat-links a {
		line-height: 1rem;
		font-size: .8rem;
		padding: .2rem;
		display: inline-block;
	}
	
	#cx-first-item .container__txt.flex-container.flex-dir-column.align-justify, 
												.cx-flex-module[data-cx_zgn1] .cx-item, 
												.article-single .featured-post a.entry-title,
												.article-single .type-post.featured-post {
		color: #F8F7F4;
	}
	
	.cx-flex-module[data-cx_zgn1] .cx-item {
		width: 100%;
		margin: 0;
	}
	
	/** sponsored content template **/
	.single-sponsored-content #div-gpt-ad-1598481400060-0 {
		display: none;
	}
}

/*end Bo styles **/
/** gift page styles **/
.page-id-368814 header#masthead, 
.page-id-419529 header#masthead {
	margin-bottom: 0;
}

.page-id-368814 .site-main,
.page-id-419529 .site-main {
	padding-top: 0;
}

.page-id-419529 .entry-content, .entry-summary, .page-content {
	margin-top: 0;
}

/** test page css **/
/** breaking news **/
/* .breaking-news {
    background: #c3c0b0;
    min-height: 1.25rem;
    padding: 0.225rem 3.75rem;
    font-size: .626rem;
}
.breaking-news p {
    font-size: .85rem;
    color: #1A1F22;
    font-weight: 500;
} */
.breaking-news .breaking-news-close, 
.page-id-297874.post-item .readmore .icon {
	color: #1A1F22 !important;
}

.page-id-297874 .post-item .readmore .icon .arrow {
	border-color: #1A1F22 !important;
}

/* .breaking-news .button {
	color:#F8F7F4 !important;
	background-color:#1A1F22;
	border-radius:0;
} */
/** end breaking news **/
.page-id-297874 .cx-flex-module[data-cx_zgn1] .cx-item.text-only {
	box-sizing: border-box;
	display: block;
	font-size: .875rem;
	font-weight: 600;
	padding: .875rem !important;
	border-bottom: 1px solid #1A1F22;
}

.page-id-297874 .cx-flex-module[data-cx_zgn1] .cx-item {
	color: #fff;
	margin: 0;
	width: 100%;
	font-size: .875rem;
}

.page-id-297874 .cx-flex-module[data-cx_zgn1] {
	background-color: transparent;
}

.page-id-367197 .featured-post .container__img {
	height: auto;
	min-height: 375px;
}

.home .container__txt.flex-container.flex-dir-column.align-justify {
	position: absolute;
	bottom: -60px;
	background-color: rgba(26, 31, 34, 0.9);
	color: #fff;
	font-size: .875rem;
	max-height: 135px;
}

.home #cx-first-item:hover .container__txt.flex-container.flex-dir-column.align-justify {
	max-height: 300px;
}

.page-id-297874 #cx-first-item {
	margin: 0 0 1.5rem;
	position: relative;
	overflow: hidden;
	font-size: .875rem;
	transition: all .3s ease;
}

.page-id-297874 #cx-first-item:hover .container__txt.flex-container.flex-dir-column.align-justify {
	top: auto;
	bottom: 0 !important;
	transition: all .3s ease;
	max-height: 300px !important;
}

.page-id-297874 .featured-post .container__txt p {
	font-size: .875rem;
}

.page-id-297874,
.page-id-297874 .main-navigation .overlay, 
.page-id-297874 .site-header.sticky-header {
	background-color: #e5e2de;
}

.page-id-297874 #main {
	background: transparent;
}

.page-id-297874 .main-navigation .overlay {
	border-color: #1A1F22;
}

.page-id-297874 h2 a.entry-title,
.page-id-297874 .post-item,
.page-id-297874 .cx-text-module[data-cx_ldnh] {
	color: #1A1F22;
	background-color: transparent !important;
	font-size: .875rem;
	line-height: 1rem;
	font-weight: 600;
}

.page-id-297874 .post-item:hover {
	background-color: #F8F7F4 !important;
	border-left: 12px solid #1A1F22;
}

.page-id-297874 .post-item {
	border-bottom: 1px solid #1A1F22;
}

.page-id-297874 .has-red-line:after, 
.page-id-297874 .has-red-line:before {
	background-color: #1A1F22;
	height: .125rem;
	top: -8px;
}

.page-id-297874 .super-nav-bar, footer {
	background: #1A1F22;
}

/** end **/
/*** header login btn. ***/
/* #pn-btn-login .tp-container-inner.no-width, 
#pn-btn-login .tp-container-inner.no-width iframe,
#pn-btn-login .tp-container-inner, 
#pn-btn-login .tp-container-inner iframe {
    width: 100px !important;
	  margin:0 10px;
} */
/*** technology page tech 100 table ***/
@media screen and (max-width: 480px) {
	#wpdtSimpleTable-5 tr:nth-child(1) {
		display: none !important;
	}
	
	table#wpdtSimpleTable-5 td:nth-child(1):before {
		content: "Company";
		font-weight: bold;
		display: -webkit-inline-box;
	}
	
	table#wpdtSimpleTable-5 td:nth-child(2):before {
		content: "Website";
		font-weight: bold;
		display: -webkit-inline-box;
	}
	
	table#wpdtSimpleTable-5 td:nth-child(3):before {
		content: "Markets Served";
		font-weight: bold;
		display: -webkit-inline-box;
	}
	
	table#wpdtSimpleTable-5 td:nth-child(4):before {
		content: "Company HQ";
		font-weight: bold;
		display: -webkit-inline-box;
	}
}

/*** tech page ***/
.page-id-376747 .wp-block-columns.has-background .wp-block-image,
.page-id-376747 .wp-block-columns.has-background .wp-block-image img {
	margin-bottom: 0;
}

/*** demo day on demand page ***/
.page-id-391218 .tabs-panel div, 
.page-id-391218 .tabs-panel h2, 
.page-id-391218 .tabs-panel h3 {
	margin-bottom: 15px;
}

.page-id-391218 .wp-block-image {
	min-height: 140px;
}

.page-id-391218 .tabs-content img {
	max-width: 150px;
	max-height: 100px;
	width: auto;
}

.page-id-389845 .site-header.sticky-header,
.page-id-415283 .site-header.sticky-header {
	margin-bottom: 0 !important;
}

.page-id-389845 .site-main,
.page-id-415283 .site-main {
	padding-top: 0 !important;
}

.page-id-389845 .sticky-navigation a {
	color: #fff;
}

/*** webinar center ***/
.postid-385219 .grid-container .grid-x {
	margin: 0 auto;
}

/*** Optimal blue ***/
h2.optimal-blue {
	position: relative;
	min-height: 60px;
}

span.OB-image {
	position: absolute;
	right: 0;
	z-index: 1;
	top: 0;
	background-color: #e5e2de !important;
	max-width: 215px;
	padding: 0 0 0 20px;
}

/*** ICE logo ***/
h2.ICE {
	position: relative;
	min-height: 100px;
}

span.ICE-image {
	position: absolute;
	right: 0;
	z-index: 1;
	top: -2px;
	background-color: #E2E2DE !important;
	max-width: 100px;
	padding: 0 0 0 20px;
}

/*** Longbridge logo ***/
h2.Longbridge {
	position: relative;
	min-height: 100px;
	padding-top: 25px;
}

span.Longbridge-image {
	position: absolute;
	right: 0;
	z-index: 1;
	top: -2px;
	background-color: #E2E2DE !important;
	max-width: 145px;
	padding: 0 0 0 20px;
}

/*** homes dot come ***/
/*** Longbridge logo ***/
h2.homesdotcom {
	position: relative;
	min-height: 100px;
	padding-top: 25px;
}

span.homesdotcom-image {
	position: absolute;
	right: 0;
	z-index: 1;
	top: 20px;
	background-color: #E2E2DE !important;
	max-width: 165px;
	padding: 0 0 0 20px;
}

.hide-mobile {
	display: block;
}

.show-mobile {
	display: none;
}

@media screen and (max-width: 480px) {
	span.OB-image {
		max-width: 140px;
		padding: 0 0 0 10px;
	}
	
	.OBticker {
		height: 450px;
	}
	
	.hide-mobile {
		display: none;
	}
	
	.show-mobile {
		display: block;
	}
	
	.mobile-accordion .block-padding {
		padding: 0 !important;
	}
}

/*** Company Profile ***/
.how_company_profile-template-default h2.page-category {
	display: none;
}

/*** Timeline tabs css***/
.timeline .timeline-tabs .tabs-title>a {
	font-size: 1rem;
	padding: 1rem;
}

.timeline .timeline-tabs .tabs-title>a:focus, .timeline .timeline-tabs .tabs-title>a[aria-selected=true] {
	font-weight: 700;
}

/*** Mortgage, Tech and Real Estate landing page sidebar CSS ***/
.page-id-369971 .sidebar-featured .featured-post--horizontal .container__img,
.page-id-376321 .sidebar-featured .featured-post--horizontal .container__img, 
.page-id-376444 .sidebar-featured .featured-post--horizontal .container__img, 
.page-id-376747 .sidebar-featured .featured-post--horizontal .container__img {
	width: 100%;
	min-width: 100%;
}

.page-id-369971 h3 a.entry-title,
.page-id-376321 h3 a.entry-title,
.page-id-376444 h3 a.entry-title,
.page-id-376747 h3 a.entry-title,
.page-id-404472 h3 a.entry-title,
.page-id-404658 h3 a.entry-title {
	font-size: 1rem;
}

.sidebar-featured .featured-post--horizontal {
	flex-direction: column;
}

/*** hiding sidebar text ***/
.page-id-369971 .sidebar-featured .container__txt p {
	display: none;
}

/*** podcast page ***/
.page-id-209457 .wp-block-column.has-background:hover {
	border: 1px solid #1c1f22;
}

.page-id-209457 .wp-block-column.has-background {
	padding: 20px;
	border-radius: 5px;
	border: 1px solid #ccc;
}

.page-id-209457 a.wp-block-button__link:after {
	content: "▶";
	margin-left: 10px;
}

/*** comments ***/
#respond.show {
	display: block !important;
}

/*** HW Annual inline gate ***/
.page-id-370547 .wp-block-housingwire-piano-member .tp-container-inner:before {
	background: transparent !important;
}

/*** BUTTON BORDER ***/
.wp-block-button__link {
	border: none;
}

p.ex1 {
	padding-right: 50px;
}

/*** Gift notification ***/
#pn-top-ribbon {
	position: relative;
	top: 0;
	width: 100%;
	z-index: 1000;
}

#pn-top-ribbon body {
	background-color: transparent !important;
}

/**@media (max-width: 480px) {
	#pn-top-ribbon {
		display:none;
	}
}**/
/*** Bottom Ribbon CSS ***/
.pn-sticky-banner {
	position: fixed;
	bottom: 0;
	left: 0;
	width: 100%;
	z-index: 100000;
}

.gateShadow {
	background: rgba(0,0,0,.5);
	flex-grow: 1;
	width: 100%;
	position: fixed;
	top: 0;
	left: 0;
}

/*** Mortgage Rates Center Sidebar - category subscribe column***/
.page-id-369971 .mrc .wp-container-1.wp-block-column {
	display: none;
}

.mrc-landing-page .container__img {
	display: none;
}

.mrc-landing-page .featured-post--horizontal h3 a {
	font-size: 1rem !important;
}

/*** Housing Market Sidebar - cateogry subscribe column***/
.mrc .wp-container-1.wp-block-column {
	display: none;
}

.housing-market-sidebar .container__img {
	display: none;
}

.housing-market-sidebar .featured-post--horizontal h3 a {
	font-size: 1rem !important;
}

/*** Testimonial Block ***/
.block-testimonial-posts .section-title {
	text-align: center;
}

.testimonial-posts-top em {
	font-size: 20px;
	color: #777;
}

.testimonial-posts-top em:before {
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<h1 class="wp-block-heading has-text-align-center has-large-font-size" id="h-reverse-mortgage-news-and-analysis"><strong>Reverse Mortgage News and Analysis</strong></h1>



<p class="has-text-align-center hero-paragraph">Reverse Mortgage Daily (RMD) is now a part of HousingWire. Edited by Neil Pierson and the HousingWire Newsroom, RMD provides dedicated reverse mortgage news, insights and commentary. HousingWire is investing in more reverse mortgage news coverage and analysis to provide you with the full picture.</p>



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<p class="has-text-color" style="color:#f8f7f4">A daily newsletter featuring our latest reverse mortgage news and analysis. Enter your email below to get on the list!</p>



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				<span class="date-posted">Apr 03, 2026</span><span class="author">By <a href="https://www.housingwire.com/author/sarahwolak/" title="Posts by Sarah Wolak" class="author url fn" rel="author">Sarah Wolak</a></span>			</span>
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  <span class="date-posted">Apr 01, 2026</span><span class="author">By <a href="https://www.housingwire.com/author/neilpierson/" title="Posts by Neil Pierson" class="author url fn" rel="author">Neil Pierson</a> and <a href="https://www.housingwire.com/author/housingwire-automation/" title="Posts by HousingWire Automation" class="author url fn" rel="author">HousingWire Automation</a></span>    </div>
  
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				<span class="date-posted">Mar 04, 2026</span><span class="author">By <a href="https://www.housingwire.com/author/alaforgia/" title="Posts by Allison La Forgia" class="author url fn" rel="author">Allison La Forgia</a></span>			</span>
			<p>Home equity has re-emerged as one of the most active and strategically important segments of today’s mortgage market — serving as both a growth channel and a signal of evolving risk. Its impact extends beyond second liens, influencing borrower behavior, valuation strategy, and operational efficiency across first mortgage portfolios as well. In this data-driven session, [&hellip;]</p>
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	<h3><a class="entry-title" href="https://www.housingwire.com/events/after-the-state-of-the-union-what-the-trump-administrations-housing-agenda-means-for-the-industry/" rel="bookmark">After the State of the Union: what the Trump administration’s housing agenda means for the industry&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Feb 16, 2026</span><span class="author">By <a href="https://www.housingwire.com/author/alaforgia/" title="Posts by Allison La Forgia" class="author url fn" rel="author">Allison La Forgia</a></span>    </div>
  
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	<h3><a class="entry-title" href="https://www.housingwire.com/events/from-vision-to-value-how-ai-is-taking-shape-in-mortgage/" rel="bookmark">From vision to value: How AI is taking shape in mortgage&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Feb 12, 2026</span><span class="author">By <a href="https://www.housingwire.com/author/alaforgia/" title="Posts by Allison La Forgia" class="author url fn" rel="author">Allison La Forgia</a></span>    </div>
  
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<h2 class="wp-block-heading has-red-line" id="h-longbridge-financial-library">Longbridge Financial Library</h2>



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<p><strong>Reverse purchase financing: The financing option no one is talking about</strong></p>



<p>With reverse purchase financing, older homebuyers can increase their purchasing power with fewer financial limitations as they move towards retirement.</p>
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<p><strong>How Reverse for Purchase can help baby boomer borrowers</strong></p>



<p>Older Americans are sitting on more than $12 trillion in home equity, according to the&nbsp;<strong><a href="https://www.housingwire.com/tag/national-reverse-mortgage-lenders-association/" target="_blank" rel="noreferrer noopener">National Reverse Mortgage Lenders Association</a></strong>&nbsp;(NRMLA)/<strong>Riskspan</strong>&nbsp;<a href="https://www.nrmlaonline.org/about/press-releases/senior-home-equity-levels-fall-slightly-to-12-39t-in-q4" target="_blank" rel="noreferrer noopener">Reverse Mortgage Market Index</a>. These homeowners are seeking different&nbsp;<a href="https://www.housingwire.com/tag/retirement/" target="_blank" rel="noreferrer noopener">retirement</a>&nbsp;solutions to help allocate their&nbsp;<a href="https://www.housingwire.com/tag/home-equity/" target="_blank" rel="noreferrer noopener">home equity</a>&nbsp;and make it more durable over the next 20 to 30 years.</p>
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<p><strong>How one company is empowering homeowners and brokers with home equity products</strong></p>



<p>HW Media Managing Editor of Content Solutions Maleesa Smith sits down with Adrian Prieto, SVP of Wholesale at Longbridge Financial, to discuss the home equity conversion mortgage and its advantages for homeowners aged 62 and up.</p>
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<p><strong>HECM vs. HELOC: What are the advantages?</strong></p>



<p>Today’s&nbsp;<a href="https://www.housingwire.com/category/real-estate/housing-market/" target="_blank" rel="noreferrer noopener">housing market</a>&nbsp;has many looking for ways to cash in their equity, especially older homeowners. However, the standard HELOC isn’t the right choice for everyone. HousingWire recently spoke with Adrian Prieto, SVP of wholesale and third-party relationships at Longbridge Financial, about the advantages of HECMs and how they better serve homeowners aged 62 and older.&nbsp;</p>
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<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.housingwire.com/articles/hecm-vs-heloc-what-are-the-advantages/">Read More</a></div>
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<p><strong>Chris Mayer: Housing policy, securitization and building the nation’s largest wholesale reverse mortgage lender</strong></p>



<p>On this episode, HW Media CEO Clayton Collins sits down with Chris Mayer, CEO of the fastest-growing major reverse mortgage lender,&nbsp;<strong>Longbridge Financial.</strong>&nbsp;Chris is also a professor of finance at&nbsp;<strong>Columbia Business School</strong>, has held positions at the&nbsp;<strong>Federal Reserve</strong>&nbsp;and has spent his career publishing his writing on housing and mortgages in top academic journals.</p>
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<div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="https://www.housingwire.com/articles/hecm-vs-heloc-what-are-the-advantages/">Listen Now</a></div>
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			<h3><a class="entry-title" href="https://www.housingwire.com/podcast/chris-clow-on-the-new-bipartisan-real-estate-caucus-in-congress/" rel="bookmark">Chris Clow on the new bipartisan Real Estate Caucus in Congress&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>			<span>
				<span class="date-posted">May 07, 2024</span><span class="author">By <a href="https://www.housingwire.com/author/cclow/" title="Posts by Chris Clow" class="author url fn" rel="author">Chris Clow</a></span>			</span>
			<p>On today’s episode, Editor in Chief Sarah Wheeler talks with Editor Chris Clow about the newly formed Real Estate Caucus in Congress and what they might accomplish, as well as the latest in reverse news. Related to this episode: The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we [&hellip;]</p>
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	<h3><a class="entry-title" href="https://www.housingwire.com/podcast/kristen-sieffert-on-the-state-of-the-reverse-mortgage-industry/" rel="bookmark">Kristen Sieffert on the state of the reverse mortgage industry&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Dec 20, 2023</span><span class="author">By <a href="https://www.housingwire.com/author/cclow/" title="Posts by Chris Clow" class="author url fn" rel="author">Chris Clow</a></span>    </div>
  
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	<h3><a class="entry-title" href="https://www.housingwire.com/podcast/rmd-podcast-50-reactions-to-nrmla-annual-from-government-leaders-industry-professionals/" rel="bookmark">RMD Podcast #50: Reactions to NRMLA Annual from government leaders, industry professionals&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Nov 28, 2023</span><span class="author">By <a href="https://www.housingwire.com/author/cclow/" title="Posts by Chris Clow" class="author url fn" rel="author">Chris Clow</a></span>    </div>
  
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	<h3><a class="entry-title" href="https://www.housingwire.com/podcast/rmd-podcast-49-garrett-duffy-reverse-mortgage-originator-at-norcom-mortgage/" rel="bookmark">RMD Podcast #49: Garrett Duffy, reverse mortgage originator at Norcom Mortgage&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Nov 01, 2023</span><span class="author">By <a href="https://www.housingwire.com/author/cclow/" title="Posts by Chris Clow" class="author url fn" rel="author">Chris Clow</a></span>    </div>
  
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	<h3><a class="entry-title" href="https://www.housingwire.com/podcast/rmd-podcast-48-eddie-herda-vp-creative-director-and-brand-strategy-at-loandepot/" rel="bookmark">RMD Podcast #48: Eddie Herda, VP, creative director and brand strategy at loanDepot&nbsp;<span style="color: #000" class="hwplus-text"><i class="fa fa-lock"></i></span></a></h3>	  <div>
  <span class="date-posted">Sep 27, 2023</span><span class="author">By <a href="https://www.housingwire.com/author/cclow/" title="Posts by Chris Clow" class="author url fn" rel="author">Chris Clow</a></span>    </div>
  
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<script>window.displayFeed = {"housing_market_summary_link":"https:\/\/www.housingwire.com\/housing-market\/","housingwire_data_link":"https:\/\/www.housingwire.com\/enterprise-data\/","create_report_link":"https:\/\/altos.re\/signup?utm_campaign=149534450-Housingwire%20Activity%20Center&utm_source=Housingwire.com&utm_medium=Housingwire.com&utm_content=Altos%20LP","manage_feed_link":"https:\/\/www.housingwire.com\/manage-feed\/","housingwire_data_category_id":41814,"housingwire_data_category_name":"Housing Market","onboardingUrl":"https:\/\/www.housingwire.com\/welcome","nonce":"0abaa1016b","ajaxurl":"https:\/\/www.housingwire.com\/wp-admin\/admin-ajax.php","topTermsByType":{"topics":[{"term_id":1692,"name":"Mortgage","slug":"mortgage","term_group":0,"term_taxonomy_id":1692,"taxonomy":"category","description":"HousingWire\u2019s mortgage news coverage spans the market and includes the coverage you need, from what your competition is doing to how they\u2019re performing and what their future plans may be to the expert and analyst forecasts for how this unusual <a href=\"https:\/\/housingwire.com\/category\/real-estate\/housing-market\/\">housing market<\/a> will pan out in 2023 and beyond.\u00a0\r\n\r\nAnd, given the current state of the housing market, which is unlike anything we\u2019ve ever seen, it may be more important than ever to have a pulse on the latest industry news so you can pivot when new information indicates that you should. The HousingWire mortgage news coverage can equip you with the latest information you need in order to make the most informed decisions possible. If you want the latest in leading news to be delivered to your inbox on a daily basis, sign up <a href=\"https:\/\/www.housingwire.com\/newsletter\/\">here<\/a>.\r\n\r\n<b>The latest mortgage news<\/b>\r\n\r\nDecember 2022 \u2014 The entire economic landscape, including <a href=\"https:\/\/www.housingwire.com\/mortgage-rates\/\">mortgage rates<\/a>, has changed recently, starting with the Fed\u2019s talking points in early December. The honey badger labor market is still going strong, as we got another <a href=\"https:\/\/www.housingwire.com\/articles\/stronger-than-expected-job-growth-raises-specter-of-more-fed-hikes\/\">solid jobs report<\/a>, which pushed bond yields higher at first. However, the way the day ended showed that change is coming.\r\n\r\nAs housing market analyst Logan Mohtashami wrote for HousingWire, \u201cWe now have a better idea of what the Federal Reserve wants to do with their Fed rate hikes, and we have a lot of data that shows that the economy will look different 12 months from now. This will be important to think about going into 2023, especially if the labor market does what the Federal Reserve wants it to do, which is slow down enough to create a job loss recession.\u201d","parent":0,"count":34998,"filter":"raw"},{"term_id":12437,"name":"Reverse","slug":"reverse","term_group":0,"term_taxonomy_id":12437,"taxonomy":"category","description":"<span style=\"font-weight: 400\">The reverse mortgage business may comprise a small fraction of the overall housing market, but it\u2019s an important one. <\/span><span style=\"font-weight: 400\">For many retirees, reverse mortgages are the most cost-effective alternative income source because the proceeds from tapping into home equity with a reverse mortgage are not taxable. Plus,<\/span><span style=\"font-weight: 400\"> reverse mortgages can be an essential risk mitigation tool for millions of homeowners \u2014 and recent studies have shown that <\/span><span style=\"font-weight: 400\">retirement strategies that use a reverse mortgage as an alternative source of cash flow to a traditional investment portfolio hold the greatest benefit for Americans with $100,000 to $1.5 million in investable assets.<\/span>\r\n\r\n<span style=\"font-weight: 400\">Over the last couple of years, the industry experienced heightened reverse mortgage activity due to the COVID-19 pandemic, and reverse mortgage lenders are also optimistic about the recently increased Home Equity Conversion Mortgage (HECM) lending limit. The HECM limit was boosted from $970,800 in 2022 to $1,089,300 in 2023, and the new higher limit will offer more benefits to prospective borrowers while giving borrowers with a reverse mortgage the opportunity to re-qualify and obtain new loans.<\/span>\r\n\r\n<span style=\"font-weight: 400\">In addition, trillions of dollars in housing wealth has been collected by homeowners ages 62 and older in recent years because of the massive growth in property values. This means there may be even more opportunity for the reverse mortgage business to grow by providing education and insight into how reverse mortgages can benefit senior homeowners who are seeking to increase their cash flow during retirement.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">You can find comprehensive news and coverage of the reverse mortgage industry at Reverse Mortgage Daily, our sister website, located at <\/span><a href=\"https:\/\/www.housingwire.com\/\"><span style=\"font-weight: 400\">www.housingwire.com<\/span><\/a><span style=\"font-weight: 400\">.<\/span>","parent":1692,"count":14921,"filter":"raw"},{"term_id":1681,"name":"Real Estate","slug":"real-estate","term_group":0,"term_taxonomy_id":1681,"taxonomy":"category","description":"Real estate news provides vital information to mortgage and housing industry professionals, and HousingWire\u2019s real estate news coverage is focused on the top and timely information that <a href=\"https:\/\/www.housingwire.com\/category\/real-estate\/agents-brokers\/\">agents, teams and brokerages<\/a> need to know. Whether it\u2019s news about further declines in housing inventory, insight into builder pace, or updates on housing <a href=\"https:\/\/www.housingwire.com\/category\/real-estate\/housing-market\/\">market<\/a> data like home sales and home prices, HousingWire offers you the insight you need into the biggest home trends and changes in real estate.\u00a0\r\nRight now, there are numerous factors driving the real estate news cycle, not the least of which is fluctuating interest rates. Mortgage rates rose rapidly throughout 2022, which has had a massive impact on the housing market across the board \u2014 and directly affected the price and demand of real estate, home prices, and government policies related to tax incentives, deductions, and subsidies that can boost or hinder demand.\u00a0\r\nAnd, while it appears that the Federal Reserve may be prepared to slow the uptick in the Fed rate, it\u2019s likely that rates will continue to have an impact on the industry in some form throughout some or all of 2023. To stay on top of the latest real estate news, industry professionals turn to HousingWire\u2019s real estate news coverage, where they can learn about policy that is impacting lender and consumer activity, economic and market trends that are guiding strategy and opportunities for real estate and mortgage professionals, and find out about best practices being incorporated by leading industry professionals and agencies.","parent":0,"count":13253,"filter":"raw"},{"term_id":1687,"name":"Servicing","slug":"servicing","term_group":0,"term_taxonomy_id":1687,"taxonomy":"category","description":"While mortgage servicing has taken on a much more important consumer-facing perspective since the pandemic, it had previously served as more of a talking point and rally cry within the industry \u2013 especially among mortgage brokers. Several years of debate and argument have taken place, especially since the 2017 BRAWL (Brokers Rallying Against Wholetail Lending) movement, in terms of who a customer \u201cbelongs to\u201d \u2013 whether it\u2019s the mortgage broker or the lender servicing the loan. Brokers garnered a sense of resentment towards lenders that would fund their customers\u2019 loans via their wholesale division, only to later \u201cflip\u201d the customer into their own retail portfolio, essentially eliminating the broker from the equation.\r\n\r\nSince then, a greater focus has been placed on lenders and servicers that retain servicing and keep their brokers connected to the end customer. A noteworthy first-mover in the push to support brokers in their long-term customer retention efforts was\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/homepoint\/\">Homepoint<\/a>\u2019s Customer For Life program.","parent":1692,"count":4776,"filter":"raw"},{"term_id":41814,"name":"Housing Market","slug":"housing-market","term_group":0,"term_taxonomy_id":41814,"taxonomy":"category","description":"The housing market is a crucial component of the U.S. economy, a fact that was evident to both the industry professionals associated with it and the wider public throughout 2022. Throughout the last year, the uptick in <a href=\"https:\/\/www.housingwire.com\/mortgage-rates\/\">mortgage rates<\/a>, coupled with other factors, like record-low inventory rates, has had a significant impact on all facets of the housing market. But, as industry professionals know, the housing market is cyclical, so we expect to see higher rates causing a downturn in buying demand. Conversely, lower interest rates increase consumer buying power and will typically drive an increase in home buying activity.\r\n\r\nHousingWire housing market coverage lets you stay on top of the news that matters most and help to prepare you to navigate this unusual housing market. From pent-up demand in the market to<a href=\"https:\/\/www.housingwire.com\/podcast\/housing-economists-on-their-2022-market-predictions\/\"> expert forecasts for the 2023 housing market<\/a> in 2023 and beyond, HousingWire has you covered.\r\n\r\n<b>The latest market trends<\/b>\r\n\r\n<strong>December 2022<\/strong> \u2014 Housingwire lead analyst Logan Mohtashami <a href=\"https:\/\/www.housingwire.com\/articles\/cooler-inflation-data-sends-mortgage-rates-lower\/\">noted that the next 12 months<\/a> will be pivotal for the housing market, and we will likely see more rate hikes as the Fed continues to work to tame inflation. But according to Mohtashami, increasing supply is ultimately what is key to stabilizing the housing market and avoiding a recession:\r\n\r\n\u201cThe following 12 months is what matters, and the best way to fight inflation is always adding more and more supply. If you\u2019re trying to destroy inflation by killing demand by putting Americans into a job-loss recession \u2014 that isn\u2019t the best long-term solution, you\u2019re too late on the supply store.\r\n\r\nWe don\u2019t need to create a job-loss recession to bring down inflation; we need more supply. In some parts of the economy, it takes too long to get that supply on, and some are much quicker.\r\n\r\nHowever, with the mortgage rate hikes in place and knowing that the primary data line is lagging, we can hopefully assume that the Federal Reserve, which is a single-mandate Federal Reserve now and all about price stability, will move to a dual-mandate Federal Reserve. The dual mandate Fed is all about price stability and jobs. We need more time to get supply up, and we don\u2019t need to overdo with rate hikes at this stage of the economic cycle.\r\n\r\nWe are still far from the Fed\u2019s 2% inflationary target, but we don\u2019t need to destroy the economy to get there. Since all six of my recession red flags are up, and I hope the growth rate cools down, mortgage rates can fall, which will stabilize the housing market, which in turn means the U.S. could avoid a recession near term.\u201d","parent":0,"count":3377,"filter":"raw"},{"term_id":6198,"name":"People Movers","slug":"people-movers","term_group":0,"term_taxonomy_id":6198,"taxonomy":"category","description":"HousingWire covers business professionals making waves in the housing\/mortgage industries.","parent":0,"count":2481,"filter":"raw"},{"term_id":12941,"name":"Origination","slug":"origination","term_group":0,"term_taxonomy_id":12941,"taxonomy":"category","description":"<p style=\"text-align: left\"><span style=\"font-weight: 400\">Staying on top of mortgage origination news may be more important right now than ever. The mortgage industry has faced more than its fair share of challenges throughout 2022, with higher than average <a href=\"https:\/\/www.housingwire.com\/mortgage-rates\/\">mortgage rates<\/a> leading to dwindling interest from potential borrowers. In turn, the <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/the-great-mortgage-bank-consolidation-wave-is-underway\/\"><span style=\"font-weight: 400\">great mortgage bank consolidation<\/span><\/a><span style=\"font-weight: 400\"> has been underway, and a number of other seismic shifts in the industry have occurred as well.<\/span><\/p>\r\n<p style=\"text-align: left\"><span style=\"font-weight: 400\">These types of changes are expected to continue through at least the first half of 2023, although there is <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/lower-mortgage-rates-higher-demand-lead-to-optimism-for-late-2023\/\"><span style=\"font-weight: 400\">optimism<\/span><\/a><span style=\"font-weight: 400\"> that the industry may see improvement in the second half of the year. As a mortgage origination professional, you can stay up to date on the news you need with the extensive mortgage origination coverage published by HousingWire.<\/span><\/p>","parent":0,"count":2478,"filter":"raw"},{"term_id":2020,"name":"Regulatory","slug":"cfpb-regulatory","term_group":0,"term_taxonomy_id":2020,"taxonomy":"category","description":"Stay up-to-date on the world of regulation.","parent":0,"count":2258,"filter":"raw"},{"term_id":42090,"name":"Legal","slug":"legal","term_group":0,"term_taxonomy_id":42090,"taxonomy":"category","description":"Stay in-the-know on legal news for the mortgage, housing and finance industries.","parent":0,"count":2096,"filter":"raw"},{"term_id":267958,"name":"Technology","slug":"technology","term_group":0,"term_taxonomy_id":267958,"taxonomy":"category","description":"<span style=\"font-weight: 400\">With the sluggish <\/span><a href=\"https:\/\/www.housingwire.com\/housing-market\/\"><span style=\"font-weight: 400\">housing market<\/span><\/a><span style=\"font-weight: 400\">, potential recession, and other factors keeping potential homebuyers on the sidelines, <\/span><a href=\"https:\/\/www.housingwire.com\/mortgage\/\"><span style=\"font-weight: 400\">mortgage<\/span><\/a><span style=\"font-weight: 400\"> companies, along with others across the housing industry, have been looking for ways to drum up new business and stay afloat. In many cases, that has translated to making big investments into new technology to set themselves apart from the competition. In turn, fascinating advances are being made to the mortgage technology space, from <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/big-purple-dot-integrates-with-chatgpt-for-ai-powered-customer-support\/\"><span style=\"font-weight: 400\">AI-powered customer support<\/span><\/a><span style=\"font-weight: 400\"> options to new listing and lending platforms that offer potential homebuyers and sellers unique and advanced tech features.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">Given how quickly the new advances are emerging, it\u2019s important for mortgage industry professionals to keep their fingers on the mortgage technology pulse. The advances being made in this part of the industry can have a significant impact on how real estate business is conducted, and you can stay up-to-date on the mortgage technology news you\u2019re looking for with HousingWire\u2019s mortgage tech coverage.<\/span>","parent":0,"count":1873,"filter":"raw"},{"term_id":1695,"name":"Mortgage Rates","slug":"mortgage-rates","term_group":0,"term_taxonomy_id":1695,"taxonomy":"category","description":"Keep up with current interest rates and related news at HousingWire's Mortgage Rates Center. Rates are updated daily based on data from <strong>Optimal Blue<\/strong>, the <strong>Mortgage Bankers Association<\/strong> (MBA) and <strong>Freddie Mac<\/strong>'s <a href=\"http:\/\/www.freddiemac.com\/pmms\/\">Primary Mortgage Market Survey (PMMS)<\/a>.\r\n\r\nFreddie Mac\u2019s PMMS only covers purchase mortgages. In addition, the PMMS looks at rates from the first three days of the week from lender websites, while the MBA survey covers the rates on apps collected over the prior full week. Optimal Blue data is calculated using actual locked rates with consumers across 35% of all mortgage transactions nationwide.\r\n\r\n[hw_optimal_blue_widget]\r\n\r\nBelow please find the last several years of rates data from the Freddie Mac PMMS and the MBA. Below that is the latest news and trends related to mortgage rates. We publish news on rates several times per week, so be sure to check back regularly. Also, don\u2019t miss HousingWire\u2019s <a href=\"https:\/\/www.housingwire.com\/category\/mortgage\/\">Mortgage News<\/a> coverage spanning origination, secondary, and servicing. Want the latest in mortgage rates and housing market news delivered to your inbox daily? Sign up <a href=\"https:\/\/www.housingwire.com\/newsletter\/\">here<\/a>.\r\n\r\nFinally, be sure to follow our lead analyst <a href=\"https:\/\/www.housingwire.com\/author\/logan-mohtashami\/\">Logan Mohtashami<\/a>, who has been tracking and forecasting mortgage rates and the housing market for HousingWire since 2020. His <a href=\"https:\/\/www.housingwire.com\/articles\/5-indicators-that-will-show-when-the-housing-market-is-rebounding-from-covid-19\/\">America is Back<\/a> and <a href=\"https:\/\/www.housingwire.com\/articles\/sixth-recession-red-flag-raised-despite-strong-jobs-report\/\">Six Recession Red Flag<\/a> models have been acclaimed in the housing industry for their accuracy and simplicity. Logan has recently opined on <a href=\"https:\/\/www.housingwire.com\/articles\/the-case-for-mortgage-rates-to-fall-in-2023\/\">what it would take for rates to fall in 2023<\/a>. He followed up on this column with a <a href=\"https:\/\/www.housingwire.com\/podcast\/logan-mohtashami-on-when-mortgage-rates-could-drop-back-to-the-5-range\/\">guest appearance<\/a> on our industry-leading podcast <a href=\"https:\/\/www.housingwire.com\/shows\/housingwire-daily\/\">HousingWire Daily<\/a>.\r\n<div class=\"infogram-embed\" data-id=\"0b991a6b-8550-4126-99e7-f6cb4162d52f\" data-type=\"interactive\" data-title=\"Mortgage Rates\"><\/div>","parent":0,"count":1852,"filter":"raw"},{"term_id":10643,"name":"Government Lending","slug":"government-lending","term_group":0,"term_taxonomy_id":10643,"taxonomy":"category","description":"Politics and money news can have a swift and significant impact on the housing industry, whether it\u2019s related to policy changes that will directly affect the mortgage industry or a change in political leadership that is expected to trickle down and impact the mortgage and housing industries. As a housing market professional, it\u2019s important to stay informed on politics and money news and understand how it may affect the housing and mortgage industries now and in the future. \r\nHousingWire\u2019s politics and money coverage, which spans breaking news, expert commentary and more, can keep you up to date on the news and coverage that matters to you.\u00a0","parent":0,"count":1510,"filter":"raw"},{"term_id":42023,"name":"Agent","slug":"agent","term_group":0,"term_taxonomy_id":42023,"taxonomy":"category","description":"Stay updated on real estate agent news.","parent":1681,"count":1386,"filter":"raw"},{"term_id":263299,"name":"Brokerage","slug":"brokerage","term_group":0,"term_taxonomy_id":263299,"taxonomy":"category","description":"News, trends and analysis for the real estate brokerage industry.","parent":1681,"count":1078,"filter":"raw"},{"term_id":14200,"name":"Opinion","slug":"opinion","term_group":0,"term_taxonomy_id":14200,"taxonomy":"category","description":"HousingWire guests write commentary and coverage on the industry of their expertise.","parent":0,"count":924,"filter":"raw"},{"term_id":10089,"name":"Appraisals and Valuations","slug":"valuations","term_group":0,"term_taxonomy_id":10089,"taxonomy":"category","description":"<span style=\"font-weight: 400\"><a href=\"https:\/\/www.housingwire.com\/category\/real-estate\/\">Real estate<\/a> appraisals can be tough for both homebuyers and sellers. If the appraisal comes in lower than the agreed-upon purchase price of the property, it can cause big issues for both parties. In addition, real estate appraisals have also been recent obstacles for mortgage lenders and originators due to timing issues and delays.<\/span>\r\n\r\n<span style=\"font-weight: 400\">Mortgage brokers in particular have recently dealt with appraisal time delays due to wholesale lender partnerships that require appraisals to be done by third party appraisal management companies (AMCs). In turn, brokers have been frustrated with AMCs and appraisers over the service and communication issues \u2014 as well as the associated fees.<\/span>\r\n\r\n<span style=\"font-weight: 400\">Home appraisals have traditionally taken from a few days to a week to complete and issue a report, depending on the appraiser\u2019s schedule and the complexity of the property. While the <\/span><a href=\"https:\/\/www.housingwire.com\/category\/real-estate\/housing-market\/\"><span style=\"font-weight: 400\">housing market<\/span><\/a><span style=\"font-weight: 400\"> has slowed significantly in recent months due to an uptick in mortgage rates, high home prices and a lack of inventory, brokers complained at the height of the recent red-hot housing market that appraisals were taking a number of weeks to complete \u2013 which forced clients to miss closing dates.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">Heading into 2023, the housing market is unlike anything we\u2019ve seen in years past. Whether these types of real estate appraisal issues and delays will continue now that home sales have slowed to a crawl in most markets across the nation remains to be seen.\u00a0<\/span>","parent":0,"count":773,"filter":"raw"},{"term_id":219954,"name":"Title","slug":"title-escrow","term_group":0,"term_taxonomy_id":219954,"taxonomy":"category","description":"<span style=\"font-weight: 400\">The new year is well underway, but what may happen with the <\/span><a href=\"https:\/\/www.housingwire.com\/housing-market\/\"><span style=\"font-weight: 400\">housing market<\/span><\/a><span style=\"font-weight: 400\"> over the next few months in the midst of high interest rates, low<\/span><a href=\"https:\/\/www.housingwire.com\/tag\/housing-inventory\/\"><span style=\"font-weight: 400\"> inventory<\/span><\/a><span style=\"font-weight: 400\">, and elevated home prices is still anyone\u2019s guess. A combination of Fed rate increases, coupled with other surprising factors, like the recent <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/fed-delivers-a-25-bps-rate-hike-amid-bank-failures\/\"><span style=\"font-weight: 400\">bank collapses<\/span><\/a><span style=\"font-weight: 400\">, have had a widespread impact on the real estate industry. That includes title companies, which have had fewer closings and less business as a result of the sluggish home buying landscape.<\/span>\r\n\r\n<span style=\"font-weight: 400\">However, title companies typically manage to stay profitable, even in the midst of a tenuous housing market, and most have managed to fare better than many of the other parts of the housing industry over the last year. Still, the layoffs and job cuts that occurred across the title industry last year indicated that the current housing market landscape may be rough for some title companies to navigate. In addition, there are talent gaps in the title insurance industry that could make it even more difficult for companies to fill crucial roles in the future.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">But it\u2019s not all tough news for the title industry in 2023. The introduction of new <\/span><a href=\"https:\/\/www.housingwire.com\/technology\/\"><span style=\"font-weight: 400\">technology<\/span><\/a><span style=\"font-weight: 400\"> and new policy has led to a shift toward the adoption of digital closings, a trend that could change the face of the title industry in the very near future. And, there are other signs that the housing market \u2014 and, in turn, the title industry \u2014 are finding a new normal, like the recent uptick in homebuyer demand, which could help drum up more business for the title insurance industry.<\/span>\r\n\r\n<span style=\"font-weight: 400\">With the rapid shifts occurring in the housing market, it\u2019s important to stay on top of the latest title news coverage. To keep on track with the title insurance news you need, register for HousingWire\u2019s weekly ClosingTime newsletter <\/span><a href=\"https:\/\/www.housingwire.com\/newsletter\/\"><span style=\"font-weight: 400\">here<\/span><\/a><span style=\"font-weight: 400\">.<\/span>","parent":0,"count":682,"filter":"raw"},{"term_id":269593,"name":"Politics","slug":"politics","term_group":0,"term_taxonomy_id":269593,"taxonomy":"category","description":"","parent":0,"count":357,"filter":"raw"},{"term_id":269051,"name":"Data &amp; Visuals","slug":"data-visuals","term_group":0,"term_taxonomy_id":269051,"taxonomy":"category","description":"","parent":0,"count":233,"filter":"raw"},{"term_id":268148,"name":"Vetted by 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Estate","slug":"commercial-real-estate","term_group":0,"term_taxonomy_id":1725,"taxonomy":"post_tag","description":"The COVID-19 pandemic ignited widespread change in both the needs and demand surrounding commercial real estate, as businesses nationwide had employees work from home. Nearly two years later, many companies are still working primarily out of a remote setup, while others have returned to office buildings. Stemming from pandemic-related migration from cities to suburban or rural areas, there is more demand for office space in these areas. As of May 2021, just one of every 20 American office buildings had occupancy rates of more than 10 percent, according to Bloomberg.\r\n\r\nOne of the largest upcoming trends in the commercial real estate industry is the need for multi-purpose buildings. Moving forward, commercial real estate strategists will likely need to offer buildings that enable tenants to rent office space, retail stores, yoga studios, salons and any other type of businesses, in addition to residential living.\r\n\r\nProfessionals in the commercial real estate space are eyeing an increase in sustainability needs as continued climate change leads to harsher weather. Not only are investors and tenants looking for companies with strong sustainability metrics, but legal requirements are also increasing as well. Many states have implemented laws requiring commercial buildings to meet specific standards, for instance, operating via solar power.\r\n\r\nIn reality,\u00a0demand is way up for commercial investment properties albeit with less supply. High-net-worth individuals are purchasing real estate to hedge against inflation and take advantage of the low-interest rates, and, given the low supply of residential properties, they\u2019re turning to commercial properties instead.","parent":0,"count":90,"filter":"raw"},{"term_id":29907,"name":"Single-Family Housing","slug":"single-family-housing","term_group":0,"term_taxonomy_id":29907,"taxonomy":"post_tag","description":"","parent":0,"count":86,"filter":"raw"},{"term_id":21743,"name":"Property Tax","slug":"property-tax","term_group":0,"term_taxonomy_id":21743,"taxonomy":"post_tag","description":"","parent":0,"count":82,"filter":"raw"},{"term_id":268283,"name":"homebuilder","slug":"homebuilder","term_group":0,"term_taxonomy_id":268283,"taxonomy":"post_tag","description":"","parent":0,"count":82,"filter":"raw"},{"term_id":269089,"name":"Secondary market","slug":"secondary-market","term_group":0,"term_taxonomy_id":269089,"taxonomy":"post_tag","description":"","parent":0,"count":74,"filter":"raw"},{"term_id":1783,"name":"Manufactured Housing","slug":"manufactured-housing","term_group":0,"term_taxonomy_id":1783,"taxonomy":"post_tag","description":"","parent":0,"count":73,"filter":"raw"},{"term_id":269526,"name":"2025 Housing Market Forecasts","slug":"2025-housing-market-forecasts","term_group":0,"term_taxonomy_id":269526,"taxonomy":"post_tag","description":"","parent":0,"count":46,"filter":"raw"},{"term_id":36662,"name":"Rental Assistance","slug":"rental-assistance","term_group":0,"term_taxonomy_id":36662,"taxonomy":"post_tag","description":"","parent":0,"count":36,"filter":"raw"},{"term_id":1557,"name":"Property Management","slug":"property-management","term_group":0,"term_taxonomy_id":1557,"taxonomy":"post_tag","description":"","parent":0,"count":32,"filter":"raw"},{"term_id":268096,"name":"Real Estate Recruiting","slug":"real-estate-recruiting","term_group":0,"term_taxonomy_id":268096,"taxonomy":"post_tag","description":"","parent":0,"count":31,"filter":"raw"},{"term_id":42079,"name":"Rate Lock","slug":"rate-lock","term_group":0,"term_taxonomy_id":42079,"taxonomy":"post_tag","description":"","parent":0,"count":28,"filter":"raw"},{"term_id":11575,"name":"Machine Learning","slug":"machine-learning","term_group":0,"term_taxonomy_id":11575,"taxonomy":"post_tag","description":"","parent":0,"count":24,"filter":"raw"},{"term_id":16434,"name":"Subservicer","slug":"subservicer","term_group":0,"term_taxonomy_id":16434,"taxonomy":"post_tag","description":"","parent":0,"count":20,"filter":"raw"},{"term_id":269184,"name":"Realtor","slug":"realtor","term_group":0,"term_taxonomy_id":269184,"taxonomy":"post_tag","description":"","parent":0,"count":16,"filter":"raw"},{"term_id":269070,"name":"basel III","slug":"basel-iii","term_group":0,"term_taxonomy_id":269070,"taxonomy":"post_tag","description":"","parent":0,"count":7,"filter":"raw"},{"term_id":268986,"name":"Home inspections","slug":"home-inspections","term_group":0,"term_taxonomy_id":268986,"taxonomy":"post_tag","description":"","parent":0,"count":6,"filter":"raw"}],"organizations":[{"term_id":1217,"name":"Freddie Mac","slug":"freddie-mac","term_group":0,"term_taxonomy_id":1217,"taxonomy":"post_tag","description":"","parent":0,"count":4046,"filter":"raw"},{"term_id":1214,"name":"Fannie Mae","slug":"fannie-mae","term_group":0,"term_taxonomy_id":1214,"taxonomy":"post_tag","description":"<span style=\"font-weight: 400\">The Federal National Mortgage Association, or as it\u2019s more commonly known as, Fannie Mae, has a history that dates back to the Great Depression in the 1930s. Established by the U.S. Congress in 1938, the enterprise was born out of a need for more financial security in the housing market after the Great Depression resulted in a surge of foreclosures. The National Housing Act of 1934, which established the <\/span><a href=\"https:\/\/www.housingwire.com\/tag\/FHA\/\"><span style=\"font-weight: 400\">Federal Housing Administration<\/span><\/a><span style=\"font-weight: 400\"> (\u201cFHA\u201d) and the Federal Savings and Loan Insurance Corporation, was amended in 1938 to not only create Fannie Mae but also Fannie\u2019s counterpart, the Federal Home Loan Mortgage Corporation, better known as Freddie Mac.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">Fast forward to 2008 and the two enterprises were forced into the spotlight again during the Great Recession. Between an increasing number of people getting mortgages with little to no credit, a fast-growing supply of vacant homes on the market from borrowers going into default and many other factors that collided together, America\u2019s economy was in trouble and Fannie Mae and Freddie Mac were at the center of it. <\/span><span style=\"font-weight: 400\">In the aftermath of this, <\/span><span style=\"font-weight: 400\">the United States government stepped in and put the enterprises under <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/history-fannie-freddie-seized-federal-government\/\"><span style=\"font-weight: 400\">conservatorship<\/span><\/a><span style=\"font-weight: 400\">, which is how they still operate today, acting now as government-sponsored enterprises.\u00a0<\/span>\r\n\r\n<span style=\"font-weight: 400\">In today\u2019s market, Fannie Mae buys and guarantees mortgages, working with lenders in the secondary market, meaning they don\u2019t actually originate or service the mortgages. Overseen by the Federal Housing Finance Agency, which was created in 2008 to supervise the two enterprises, Fannie Mae now operates to <\/span><a href=\"https:\/\/www.fanniemae.com\/about-us\/who-we-are\"><span style=\"font-weight: 400\">ensure the availability of affordable mortgage loans<\/span><\/a><span style=\"font-weight: 400\"> and maintain the 30-year, fixed-rate mortgage.<\/span>\r\n\r\n<span style=\"font-weight: 400\">While <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/41714-mark-calabria-trump-administration-committed-to-ending-conservatorship\/\"><span style=\"font-weight: 400\">talks heightened<\/span><\/a><span style=\"font-weight: 400\"> under the Trump Administration to remove both GSEs from conservatorship, the Biden Administration has shown no interest in continuing down that road. Instead, the current acting director, Sandra Thompson, <\/span><a href=\"https:\/\/www.housingwire.com\/articles\/heres-where-the-fhfa-is-headed-under-sandra-thompson\/\"><span style=\"font-weight: 400\">is focused<\/span><\/a><span style=\"font-weight: 400\"> on achieving greater affordability in the housing market, expanding access to credit in underserved communities, fair lending and safety and soundness in the housing space. <\/span>","parent":0,"count":3845,"filter":"raw"},{"term_id":3560,"name":"HUD","slug":"hud","term_group":0,"term_taxonomy_id":3560,"taxonomy":"post_tag","description":"","parent":0,"count":2137,"filter":"raw"},{"term_id":42212,"name":"Federal Reserve","slug":"federal-reserve","term_group":0,"term_taxonomy_id":42212,"taxonomy":"post_tag","description":"The Federal Reserve started a rate-cutting cycle on Sept. 18, 2025, lowering its benchmark interest rate by 50 basis points (bps) to a range of 4.75% to 5%. The cut was the first since March 2020 after the Fed raised interest rates to a 23-year high point to cool the economy and quell inflation. The Fed cut rates two more times in 2024, each by 25 basis points. It has not cut interest rates so far in 2025.","parent":0,"count":2099,"filter":"raw"},{"term_id":2346,"name":"FHFA","slug":"fhfa","term_group":0,"term_taxonomy_id":2346,"taxonomy":"post_tag","description":"The Federal Housing Finance Agency (FHFA) announced new proposed housing goals for Fannie Mae and Freddie Mac for 2025-2027, reaffirming their mission to purchase mortgages that \u201cresponsibly promote equitable access to affordable housing that reaches low- and moderate-income families, minority communities, and other underserved populations.\u201d\r\n\r\nOn the single-family side, the FHFA proposes that 25% of the purchase mortgages acquired by Fannie and Freddie go to borrowers earning less than 80% area median income, a drop from the 28% required in the current housing goals.\r\n\r\nFHFA also set a new goal for very low-income purchases (borrowers earning less than 50% AMI) at 6%, down from 7% in the current plans. The income refinance goal of 26% as proposed is unchanged, as is the purchase sub-goal for low-income census tracts at 4%. The minority census tracts home purchase goal as proposed for 2025-2027 is 12%, up from the current 10%.\r\n\r\n\u00a0\r\n\r\n\u00a0","parent":0,"count":1599,"filter":"raw"},{"term_id":2683,"name":"FHA","slug":"fha","term_group":0,"term_taxonomy_id":2683,"taxonomy":"post_tag","description":"","parent":0,"count":1392,"filter":"raw"},{"term_id":1395,"name":"Wells Fargo","slug":"wells-fargo","term_group":0,"term_taxonomy_id":1395,"taxonomy":"post_tag","description":"Headquartered in San Francisco, California, Wells Fargo is one of the nation\u2019s largest financial services institutions, providing banking, mortgage, investing, credit card, personal, small business, and commercial financial services.\r\n\r\nOn the mortgage side of the business, Wells Fargo\u00a0finished the third quarter of 2021 ranked as the 4th largest mortgage lender in the country by volume. The company originated $51.9 billion worth of mortgages in the third quarter of 2021, down slightly from the $53.2 billion it recorded in the second quarter. Its nine-month total of $156.9 billion (including all channels) ranked behind\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/rocket-mortgage\/\">Rocket Mortgage<\/a>, PennyMac, and\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/united-wholesale-mortgage\/\">United Wholesale Mortgage<\/a>. In the retail category specifically, Wells Fargo is the second-highest originator in the country.\r\n\r\nWells Fargo had spent years as the largest retail mortgage lender in the country until it was surpassed by Rocket Mortgage (then Quicken Loans) late in 2017.\r\n\r\nWells Fargo is led by chief executive officer Charlie Scharf, who took on the role in 2019, following the company\u2019s wide-ranging sales practices scandal that first came about in 2016. Since that year, Wells Fargo has paid out close to\u00a0<a href=\"https:\/\/www.reuters.com\/article\/us-wells-fargo-regulation\/wells-fargo-close-to-settlements-with-doj-sec-over-sales-scandal-nyt-idUSKBN20F05V\">$4 billion<\/a>\u00a0in fines and penalties for sales practices that encouraged employees to allegedly open millions of unauthorized bank accounts.\r\n\r\nIn September 2021, Wells Fargo received a $250 million civil money penalty by the Office of the Comptroller of the Currency for \u201cunsafe or unsound practices\u201d related to its home lending loss mitigation program.\r\n\r\nEarlier in the year, Wells Fargo also agreed to pay $95.7 million to settle an LO comp class-action lawsuit that was brought forward by 5,377 loan officers and mortgage employees that worked at the institution between 2013 and 2019. The argument centered around wage violations in California, alleging that Wells Fargo didn\u2019t compensate mortgage professionals for non-sales work, clawed back vacation pay from commissions, and did not pay overtime wages as required by laws.","parent":0,"count":1157,"filter":"raw"},{"term_id":2012,"name":"Consumer Financial Protection Bureau","slug":"consumer-financial-protection-bureau","term_group":0,"term_taxonomy_id":2012,"taxonomy":"post_tag","description":"","parent":0,"count":1025,"filter":"raw"},{"term_id":1277,"name":"Bank of America","slug":"bank-of-america","term_group":0,"term_taxonomy_id":1277,"taxonomy":"post_tag","description":"","parent":0,"count":983,"filter":"raw"},{"term_id":2303,"name":"Cotality","slug":"cotality","term_group":0,"term_taxonomy_id":2303,"taxonomy":"post_tag","description":"CoreLogic\u2019s solutions help real estate professionals and their clients search, see, and know everything about a prospective house and the community around it.","parent":0,"count":933,"filter":"raw"},{"term_id":1476,"name":"JPMorgan Chase","slug":"jpmorgan-chase","term_group":0,"term_taxonomy_id":1476,"taxonomy":"post_tag","description":"","parent":0,"count":752,"filter":"raw"},{"term_id":5183,"name":"Redfin","slug":"redfin","term_group":0,"term_taxonomy_id":5183,"taxonomy":"post_tag","description":"Redfin is a technology-powered real estate company that supports consumers with brokerage,\u00a0<a href=\"https:\/\/www.housingwire.com\/category\/real-estate\/ibuyers\/\">iBuying<\/a>, rentals, lending, title insurance, and renovation services. The company was founded in 2006 and is headquartered in Seattle, Washington, with more than 50 offices located throughout the country. In all, Redfin serves more than 100 markets across the U.S. and Canada. The company is led by chief executive officer Glenn Kelman.\r\n\r\nRedfin integrates every step of the home buying and selling process and pairing its own agents with proprietary technology, creating a service that is faster, better and costs less. Through its Direct Access tech platform, Redfin enables homebuyers in 22 U.S. markets to tour vacant homes without an agent by using the Redfin app to unlock the home. According to Redfin, homes with Direct Access receive, on average, twice the number of tours as other homes. In conjunction with this capability, Redfin partnered with\u00a0ADT security to help equip homes with smart locks and sensors that allow buyers to easily enter and tour homes, and enable sellers to stay informed on who is entering and exiting the property. The goal is to expand this program nationwide in the future.\r\n\r\nRedfin announced that in 2020, it has saved its customers more than $1 billion since 2006 by charging a low\u00a0 1% listing fee when a customer sells and buys their next home with a Redfin agent, compared to the 2.5 to 3% listing fee that is typical of most brokerages.\r\n\r\nMoving forward, Redfin is leading efforts to make real estate fees more transparent by listing fees and buyer refund amounts publicly, as well as publishing the buyer\u2019s agent commission being offered for every listing on Redfin.com in more than 75 U.S. markets.","parent":0,"count":664,"filter":"raw"},{"term_id":1731,"name":"Department of Justice","slug":"department-of-justice","term_group":0,"term_taxonomy_id":1731,"taxonomy":"post_tag","description":"","parent":0,"count":435,"filter":"raw"},{"term_id":9857,"name":"Rocket Mortgage","slug":"rocket-mortgage","term_group":0,"term_taxonomy_id":9857,"taxonomy":"post_tag","description":"Rocket Mortgage is the nation\u2019s largest mortgage lender by volume. Formerly known as Quicken Loans before it was rebranded in 2021, Rocket primarily operates in the retail space, but also has a rapidly increasing share in the wholesale channel, under the name of Rocket Pro TPO, in addition to having a presence in the correspondent channel. Headquartered in Detroit, Michigan, Rocket Mortgage\u2019s umbrella company, Rocket Companies, is publicly traded on the NYSE under the ticker RKT.\r\n\r\nRocket Mortgage Founder and Chairman\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/dan-gilbert\/\">Dan Gilbert<\/a>\u00a0has been one of the most well-known leaders and masterminds in mortgage since he founded the company in 1985. Under Gilbert\u2019s leadership, Rocket Mortgage has been the preeminent first-mover in the online lending space. In 2011, Rocket (then Quicken Loans) became the first mortgage lender that allowed consumers to get a mortgage through a mobile app, called Rocket Mortgage.\r\n\r\nRocket Mortgage has been the No. 1 overall mortgage lender in the country since 2017. In 2020, Rocket originated $320 billion in mortgages \u2013 largely because of the refinance boom. Consumer-level awareness of Rocket Mortgage has skyrocketed because of the company\u2019s healthy advertising budget. They are a frequent advertiser in the sports entertainment world, and regularly air television and radio commercials nationally.\r\n\r\nRocket Mortgage has benefited greatly over the years from its strategic partnerships with other companies in the financial services and fintech categories, such as State Farm, Morgan Stanley, E-Trade, and Truebill, among others. These partnerships give Rocket easy access to millions of consumers who, when it comes time to purchase or refinance a home, can easily utilize Rocket\u2019s technology.","parent":0,"count":394,"filter":"raw"},{"term_id":1306,"name":"Securities and Exchange Commission","slug":"securities-and-exchange-commission","term_group":0,"term_taxonomy_id":1306,"taxonomy":"post_tag","description":"","parent":0,"count":367,"filter":"raw"},{"term_id":2202,"name":"U.S. Census Bureau","slug":"u-s-census-bureau","term_group":0,"term_taxonomy_id":2202,"taxonomy":"post_tag","description":"","parent":0,"count":321,"filter":"raw"},{"term_id":1789,"name":"Department of the Treasury","slug":"department-of-the-treasury","term_group":0,"term_taxonomy_id":1789,"taxonomy":"post_tag","description":"","parent":0,"count":300,"filter":"raw"},{"term_id":5094,"name":"REMAX","slug":"remax","term_group":0,"term_taxonomy_id":5094,"taxonomy":"post_tag","description":"","parent":0,"count":267,"filter":"raw"},{"term_id":19828,"name":"Altos","slug":"altos","term_group":0,"term_taxonomy_id":19828,"taxonomy":"post_tag","description":"","parent":0,"count":233,"filter":"raw"},{"term_id":1788,"name":"White House","slug":"white-house","term_group":0,"term_taxonomy_id":1788,"taxonomy":"post_tag","description":"","parent":0,"count":197,"filter":"raw"},{"term_id":268194,"name":"Anywhere","slug":"anywhere","term_group":0,"term_taxonomy_id":268194,"taxonomy":"post_tag","description":"","parent":0,"count":173,"filter":"raw"},{"term_id":33918,"name":"Finance of America","slug":"finance-of-america","term_group":0,"term_taxonomy_id":33918,"taxonomy":"post_tag","description":"","parent":0,"count":153,"filter":"raw"},{"term_id":10305,"name":"Department of Veterans Affairs","slug":"department-of-veterans-affairs","term_group":0,"term_taxonomy_id":10305,"taxonomy":"post_tag","description":"","parent":0,"count":130,"filter":"raw"},{"term_id":3350,"name":"Federal Trade Commission","slug":"federal-trade-commission","term_group":0,"term_taxonomy_id":3350,"taxonomy":"post_tag","description":"","parent":0,"count":127,"filter":"raw"},{"term_id":36733,"name":"Bright MLS","slug":"bright-mls","term_group":0,"term_taxonomy_id":36733,"taxonomy":"post_tag","description":"","parent":0,"count":116,"filter":"raw"},{"term_id":2072,"name":"Supreme Court","slug":"supreme-court","term_group":0,"term_taxonomy_id":2072,"taxonomy":"post_tag","description":"","parent":0,"count":92,"filter":"raw"},{"term_id":268954,"name":"The Real Brokerage","slug":"the-real-brokerage","term_group":0,"term_taxonomy_id":268954,"taxonomy":"post_tag","description":"","parent":0,"count":89,"filter":"raw"},{"term_id":11089,"name":"Douglas Elliman","slug":"douglas-elliman","term_group":0,"term_taxonomy_id":11089,"taxonomy":"post_tag","description":"","parent":0,"count":85,"filter":"raw"},{"term_id":8258,"name":"Encompass","slug":"encompass","term_group":0,"term_taxonomy_id":8258,"taxonomy":"post_tag","description":"","parent":0,"count":82,"filter":"raw"},{"term_id":3055,"name":"ALTA","slug":"alta","term_group":0,"term_taxonomy_id":3055,"taxonomy":"post_tag","description":"","parent":0,"count":71,"filter":"raw"},{"term_id":7606,"name":"Old Republic","slug":"old-republic","term_group":0,"term_taxonomy_id":7606,"taxonomy":"post_tag","description":"","parent":0,"count":53,"filter":"raw"},{"term_id":269136,"name":"Northwest MLS","slug":"northwest-mls","term_group":0,"term_taxonomy_id":269136,"taxonomy":"post_tag","description":"","parent":0,"count":35,"filter":"raw"},{"term_id":269429,"name":"Rate","slug":"rate","term_group":0,"term_taxonomy_id":269429,"taxonomy":"post_tag","description":"","parent":0,"count":29,"filter":"raw"},{"term_id":268333,"name":"NAHB","slug":"nahb","term_group":0,"term_taxonomy_id":268333,"taxonomy":"post_tag","description":"","parent":0,"count":27,"filter":"raw"},{"term_id":269432,"name":"Side","slug":"side","term_group":0,"term_taxonomy_id":269432,"taxonomy":"post_tag","description":"","parent":0,"count":15,"filter":"raw"},{"term_id":269734,"name":"Better Homes and Gardens Real Estate","slug":"better-homes-and-gardens-real-estate","term_group":0,"term_taxonomy_id":269734,"taxonomy":"post_tag","description":"","parent":0,"count":13,"filter":"raw"},{"term_id":268808,"name":"Constellation Software","slug":"constellation-software","term_group":0,"term_taxonomy_id":268808,"taxonomy":"post_tag","description":"","parent":0,"count":13,"filter":"raw"},{"term_id":31202,"name":"Title365","slug":"title365","term_group":0,"term_taxonomy_id":31202,"taxonomy":"post_tag","description":"Title365 is one of the nation\u2019s top providers of title insurance and settlement services, helping mortgage servicers and lenders streamline operations and add capacity. It was founded in 2009 by a group of settlement service veterans to provide an industry-changing combination of centralized product fulfillment, faster turnaround of title, escrow and default services, and breakthrough technology solutions.\r\n\r\nTitle365 was purchased by a subsidiary of mortgage servicer\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/mr-cooper\/\">Mr. Cooper<\/a>\u00a0in 2014 for $36 million. In June 2021, Mr. Cooper sold Title365 to Blend Labs, Inc. for $500 million, consisting of $450 million in cash and a retained interest of 9.9%.\r\n\r\nIn a release,\u00a0<a href=\"https:\/\/www.housingwire.com\/tag\/blend\/\">Blend<\/a>\u00a0said that adding Title365 will result in a digital homebuying journey that drives efficiency and cost savings for all parties by integrating title and settlement into the loan process. The goal is to simplify the process for real estate agents, lenders and servicers, insurers, and others, by leveraging our industry expertise to offer a seamless experience for consumers.\r\n\r\nTitle365\u2019s services enable users to automate title commitment upon loan application submission, digitally reconcile settlement fees in real-time, and streamline communication between lenders, settlement teams and consumers. In partnership with Blend, which allows consumers to cross-shop homeowner\u2019s insurance rates in its online marketplace, the partnership with Title365 will similarly allow lenders and consumers to cross-shop title companies, as well.","parent":0,"count":11,"filter":"raw"},{"term_id":269189,"name":"Christie's International Real Estate","slug":"christies-international-real-estate","term_group":0,"term_taxonomy_id":269189,"taxonomy":"post_tag","description":"","parent":0,"count":3,"filter":"raw"},{"term_id":269669,"name":"Silk Title","slug":"silk-title","term_group":0,"term_taxonomy_id":269669,"taxonomy":"post_tag","description":"","parent":0,"count":2,"filter":"raw"},{"term_id":269733,"name":"EA Appraisal","slug":"ea-appraisal","term_group":0,"term_taxonomy_id":269733,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"}]},"subscriberGateFields":{"subscribe_url":"https:\/\/www.housingwire.com\/subscribe\/","anonymous_users":"<ul>\n<li>Real-time snippets<\/li>\n<li>Housing market summaries<\/li>\n<li>Personalized insights<\/li>\n<li>Everything all in one place<\/li>\n<\/ul>\n","registered_users":"<ul>\n<li>Real-time snippets<\/li>\n<li>Housing market summaries<\/li>\n<li>Personalized insights<\/li>\n<li>Everything all in one place<\/li>\n<\/ul>\n"}};</script>
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