Nearly half of US households faced rising home insurance costs.
Florida's home insurance rates are the highest in the nation, averaging $7,136, highlighting significant challenges for homeowners and private lenders alike.
Grace Period vs. Forbearance: Key Differences for Private Mortgage Servicers
Grace periods and forbearance both defer payment consequences, but they work in fundamentally different ways. A grace period is a built-in contractual window that requires no borrower action; forbearance is a negotiated hardship agreement that reshapes repayment terms. Confusing the two creates liability, default risk, and investor reporting problems for private mortgage servicers.
Rocket Companies Faces Lawsuit Over Allegations of Mortgage Steering
Lawsuit alleges Rocket Companies profited by exploiting home buyers' vulnerabilities, raising concerns about ethical practices in mortgage lending.
Rocket Companies and Redfin Preview Super Bowl Ad Featuring Lady Gaga
Rocket and Redfin's Super Bowl ad showcases Lady Gaga performing Mister Rogers' theme, emphasizing the importance of home and community connection in lending.
Mortgage Rates Hold Steady Before Fed Meeting Amid Spring Housing Focus
Federal Reserve policymakers conclude a two-day meeting, with mortgage rates stable in the low-6% range, signaling minimal short-term market changes for lenders.
Better Secures $175 Million Warehouse Credit Facility Renewal
Better has renewed its $175M warehouse credit, reducing equity requirements and aiming for $1B in monthly originations, enhancing operational capacity for growth.
TILA and RESPA in Seller Financing: What Changes as a Note Portfolio Grows
Whether TILA and RESPA apply to a seller-financed note depends on the loan's purpose (business or consumer), how regularly the seller extends credit, and the loan's structure. State law can add its own rules. When they do apply, the duties are continuous: disclosures, escrow handling, and inquiry responses. Those duties get harder to track by hand as the number of notes grows.
The True Cost of Non-Compliance in Private Mortgage Reporting
Private mortgage note holders who miss IRS and state reporting deadlines face escalating per-return penalties, forced audits, and reputational damage that compound across every loan in their portfolio. This post breaks down where the real costs come from and what systematic compliance actually requires.
Investors criticize CoStar’s ineffective board and unrealistic Homes.com goals.
Third Point calls on CoStar to overhaul its board following a $3 billion loss and a 27% drop in stock value, while reevaluating Homes.com strategy.
Mastering Risk: The Power of Loan Seasoning in Private Mortgages
Loan seasoning is one of the most reliable risk indicators in private mortgage investing. Learn how payment history, portfolio cohort analysis, and integrated underwriting combine to reduce default exposure and strengthen note valuations.