Decline in Single-Family Housing Starts Observed in January
Rising construction costs and affordability challenges are impacting the single-family housing market, presenting potential risks for private lenders.
Increasing Numbers of Over-65 Individuals Opt for Roommate Living Arrangements
Explore the trend of multi-generational households, where over 39% of roommates share a significant age gap, shaping the housing landscape and lending opportunities.
Senate Approves Bipartisan Housing Bill; Industry Responses Vary
Explore the implications of the recent bipartisan housing bill and its mixed reception from industry leaders, highlighting opportunities for private lenders.
Former Ontario Mortgage Broker Penalized $600,000 for Misconduct.
"Regulatory compliance is essential for licensed mortgage brokers, as illustrated by a recent case involving a significant penalty for misconduct."
Foreclosure Starts Increased by 14% Compared to the Previous Year
Foreclosure filings are increasingly prevalent, with one in every 3,701 housing units affected. Stay informed on market trends and implications for private lenders.
7 Essential Policies for New Private Lender Compliance Manuals
New private mortgage lenders who skip formal compliance policies expose themselves to regulatory risk, borrower disputes, and costly legal liability. These 7 written policies protect your portfolio from origination through payoff.
From Risk to Reliability: How Technology Enforces SOPs in Note Servicing
Manual checklists cannot enforce SOP adherence at scale in private mortgage note servicing. Technology-driven platforms enforce procedures through automated workflows, real-time data validation, immutable audit trails, and proactive monitoring - protecting lenders, investors, and borrowers from the compounding costs of inconsistent execution.
Mastering Carry Costs: Your Guide to Profitable Private Mortgage Note Investing
From Acquisition to Exit: Comprehensive Carry Cost Planning In the dynamic world of private mortgage notes, the journey from acquiring an asset to successfully exiting it is fraught with complexities. While the initial purchase price and potential yield often capture the spotlight, a less [...]
CFPB Scrutiny on Private Mortgages: Essential Compliance for Lenders
The CFPB's enforcement focus now extends to private mortgage servicing. Learn which federal consumer protection laws apply to your private notes, what compliance gaps regulators target first, and how to build servicing operations that are documented, consistent, and defensible under examination.
The Loan Servicer’s Role in Interest Reserve Accounts
A loan servicer manages an interest reserve account from closing setup through final disbursement—calculating draws, remitting to investors, and alerting lenders before the reserve depletes. Here is exactly what that process looks like on a private mortgage note.