C2 Financial Pursues National Expansion and Seeks Top Broker Status
C2 Financial aims to enhance loan volume by leveraging AI and recruiting efforts, expanding operations from 42 to all 50 states to exceed 10,000 loans.
Interest Reserves and Carry Costs in Private Lending: A Complete Guide
An interest reserve is a funded account built into a private loan at closing, drawn monthly by the servicer to cover scheduled interest. Carry costs — property taxes, insurance, debt service, and HOA dues — accumulate throughout the hold and must be tracked separately to prevent default.
Dan Hultquist Discusses HECM Reforms and Engaging New Sales Talent
Reverse mortgage expert Dan Hultquist analyzes recent HECM reforms, emerging proprietary loan trends, and the impact of technology on industry expansion.
The Private Lender’s Playbook: Essential Economic Indicators for Smart Decisions
Private lenders who track macroeconomic data make better origination, servicing, and loss-mitigation decisions. These fifteen economic indicators form the core monitoring dashboard for any private mortgage note portfolio, signaling borrower capacity, collateral health, rate risk, and default trajectory before problems reach the payment ledger.
Essential Economic Indicators for Private Lenders: Navigating Risk and Opportunity
Private mortgage lenders and investors who track the right macroeconomic indicators — Federal Funds Rate, CPI, unemployment, home price indices, yield curve — can anticipate borrower stress, protect collateral values, and keep their note portfolios performing through any economic cycle.
Severe Winter Weather Affects Home Sales and Prices in Pennsylvania
Home sales in Pennsylvania have sharply declined due to harsh winter conditions, impacting market dynamics and property values for private lenders to consider.
Home Sales in New York State Experienced 7.5% Decline in January
"Discover how New York's rising median sales prices impact market dynamics and lending opportunities amidst a notable decline in home sales."
Trade Groups Advocate for Reduced MSR Capital Charges and Customized Risk Weights
Eight trade groups representing lenders are advocating for revisions to bank capital rules, seeking tailored risk weights for mortgages and reduced capital charges for servicing rights.
Court Affirms FinCEN’s Anti-Money Laundering Regulations for Home Sales
A federal judge has upheld FinCEN’s AML rule for cash home sales. Implementation is now delayed to March 2026 following FNF’s legal challenge, impacting private lenders.
Pending Home Sales Experienced a Decline in January
Pending home sales show mixed trends, increasing in the Midwest and West while declining in the Northeast and South, highlighting regional market dynamics.