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Date Published: August 2026 Mortgages account for roughly 70% of all household debt balances in the U.S. For decades, conventional wisdom advised homeowners to clear their mortgage entirely before entering retirement. However, over the past three decades, a massive demographic shift has taken place: more older adults are
Date Published: June 2026 Most originators market to borrowers. Very few market to life transitions. Research on aging populations consistently shows that housing decisions become increasingly interconnected with health, family caregiving, financial planning, and wealth transfer as people age. The opportunity isn’t: “Can I help
Date Published: March 2026 Few trends have reshaped housing demand as quickly as the rise of remote work. What began as a temporary pandemic shift has evolved into a lasting change in how — and where — Americans live. For the mortgage industry, this shift
Date Published: December 2025 A year ago, economists were fairly accurate in their predictions for 2025: 30-year mortgage rates remained above 6%, as expected, and home-price growth continued to slow. Forecasts for home-sale growth, however, were mixed—many experts were simply too optimistic. Depending on how
Date Published: November 2025 If you’ve been feeling like everyone around you is a little more nervous about the future these days… you’re not imagining it. Lately, there’s been a noticeable shift in consumer sentiment, and it’s showing up most clearly among younger adults and
Date Published: August 2025 When you hear the phase Independent Mortgage Banker (IMB), you might think of them emerging in the last few decades. But here’s a surprise: IMBs have been around since the 1870s. That’s more than 150 years of navigating booms, busts and everything
Date Published: August 2025 The housing market, long considered one of the most stable wealth-building vehicles in the U.S., is now experiencing record-setting home price downturns in several regions. After years of soaring values driven by historically low interest rates, pandemic-era demand surges, and tight
The National Mortgage News recently published its annual survey results of the best mortgage companies to work for. The results for 2024 were not as robust as the 2023 list, resulting in only 33 companies qualifying vs 48 firms in 2023. This ranking is the
Although Puerto Rico is technically part of the United States, it feels like a different country. Many people are flocking to this tiny Caribbean island and not just for the white sandy beaches, warm weather and cool blue water. Tax Act 60 is a hot topic.
Credit scores are based on five things: payment history, credit utilization, length of credit history, new credit, and credit mix. Sounds pretty simple, right? But delve into the world of trying to obtain the perfect credit score and you will see just how confusing it
