The next credit gap: When BNPL, rent and trended data collide

As mortgage underwriting absorbs Buy Now, Pay Later (BNPL) activity, rent payment history and trended credit data, consumers face a new challenge: understanding how everyday financial behavior is being interpreted by increasingly sophisticated scoring systems. Credit modernization is not the problem

ROAD work ahead

A fiendishly brilliant advertising copywriter working for Benetton during the “hanging chads” Presidential election controversy in 1992 took a circa-1973 Yogi Berraism and transformed it for a New York City billboard on the heavily trafficked northbound West Side Highway. “It ain’t Oval ‘til it’s Ov

FHFA pushes GSEs to embrace chattel loans in Duty to Serve proposal

The Federal Housing Finance Agency (FHFA) has proposed replacing its existing Duty to Serve (DTS) regulation with an outcome-based framework that would change how Fannie Mae and Freddie Mac support manufactured housing, affordable housing preservation and rural housing. The proposal, released in a n

The checklist real estate agents need for estate sale referrals and timing

For a decade, the housing industry has waited for a “silver tsunami,” a wave of homes released as older owners downsize or pass away. The wave has not arrived on schedule, and recent data suggests it may never break the way it was predicted. But the homes that trickle on to the market have something