Is a 50-year mortgage just a new label on an old risk? ⚠️ James Bianco, head of Bianco Research L.L.C., warns that “mortgage innovation” like ultra-long terms mirrors the same creative lending that led to the 2008 crisis. With home equity making up 45% of the median homeowner’s net worth, Bianco argues that “what the public needs is lower home prices”, but questions whether Americans are prepared to accept that tradeoff. Can a society so invested in rising home values embrace affordability? Read more ⬇️ https://lnkd.in/dymzuPec #50yearmortgage

50 Year Mortgage? Good or bad? President Trump just floated the idea of 50-year mortgage and FHFA Director Bill Pulte signaled the agency is exploring it. What it could mean: smaller payments now, slower equity build over time. It's not policy yet (rules and investor buy-in would need to change). Quick take: * Why people like it? It lowers the payment hurdle for first-time buyers. * Why critics worry? Buyers pay more total interest; could push prices up by boosting demand. * Status today? An idea under discussion, not something you can lock today. If this moves forward, I'll break down who it helps, who it hurts, and real payment examples. Comment below to let me know what do you think? #50yearmortgage #buildingwealththroughrealestate #mortgagenews

Unlock homeownership for more buyers! Innovative models like VantageScore 4.0 are utilizing broader data for a clearer financial picture. Learn how the mortgage industry is evolving with Justin Demola, CMB & Joel Rickman: https://bit.ly/4nS7Auv

We recently discussed "What Happens Next?" in the mortgage industry on a special edition Market Pulse podcast with Clayton Collins (HousingWire), Justin Demola, CMB (Lenders One) and Joel Rickman (Equifax) at MBA Annual 2025. The conclusion: Competition + Advanced Data + AI is the catalyst for more affordable, inclusive homeownership. The road ahead requires change. Read the blog below. 👇 #WhatHappensNext #VantageScore

Want to know how to actually predict mortgage rates? Here’s the fail-proof system 👇 Most people watch the Federal Funds Rate, but that’s not what drives mortgage rates. The truth is, they’ve always followed something else: the 10-Year Treasury Yield. If you look back 50 years, the two lines move almost perfectly in sync. When the 10-year yield goes up, mortgage rates follow. When it drops, rates ease too. So if you want to make smart timing decisions, stop guessing! start watching the bond market. That’s where the real clues live. did you know this before, or is this new info for you? #CreditTips #CreditRepairTruth #MortgageEducation #FinancialClarity #CreditScoreHelp #SmartMoneyMoves #HomeQuestMortgage #JordanCarpenter #RealEstateAdvice #azrealtor #arizonarealestate #azrealestate #phoenixaz #scottsdale #homesrsale #ArizonaEvents #firsttimehomebuyer #homebuyingtips #RealtorTips

HUD Launches Review of Reverse Mortgage System, Invites Public Input The U.S. Department of Housing and Urban Development (HUD) is setting the stage for what could become a significant overhaul of the nation’s reverse mortgage system. On October 2, 2025, the agency issued a Request for Information (RFI) titled “Future of the HECM and HMBS Programs and Opportunities for Innovation in Accessing Home Equity.” https://lnkd.in/eQ452mkr

In the latest episode of Rick’s Room, Rick Grant talks with Kevin Breeland, Mortgage Development Officer at Happy Mortgage, about what’s really happening in today’s housing market. From Austin to the Panhandle, Kevin explains how a slower market has restored balance between buyers and sellers — and why affordability remains the biggest challenge, driven more by taxes and insurance than by interest rates alone. A grounded, real-world look from someone who helps borrowers every day. Watch the full conversation: https://lnkd.in/girYSW4p #MortgageIndustry #HousingMarket #LendingInsights #MortgageRates #TexasRealEstate #MortgageProfessionals #RicksRoom #RGA #PublicRelations

With the government reopened and data flowing again, the question becomes: where are mortgage rates headed? Let's analyze the latest financial news and collaboratively predict the trajectory leading up to the next Fed meeting. Your insights are invaluable in deciphering the complexities of the market. By working together, we can navigate the uncertainties and gain clarity on the future of mortgage rates. #MortgageRates #FinancialNews #MarketAnalysis #EconomicOutlook

Mortgage activity is ticking up! 📈 Joel Rickman, SVP of and GM of U.S. Mortgage and Verification Services at Equifax, discusses how lenders can boost efficiency, leverage automation, and use alternative data to meet demand. Read the full article: https://lnkd.in/g8fZc8cX

I’ve been reading about the latest results from Principality Building Society and their reported mortgage book growth. 📊 The figures show continued resilience in the mortgage market, reflecting strong demand and careful lending strategies. It’s a positive sign for advisers and borrowers navigating today’s financial landscape. 💡 Read my latest blog post to explore what this means for the wider mortgage industry. 👇 https://bit.ly/46QWC1S #mortgageadvice #housingmarket #financialtraining #propertyfinance #cemaptraining