Mortgages & Home Finance
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Mortgage Costs
FHFA Directs Fannie Mae to Allow Proactive PMI Cancellation Notices
5 sources · 30d ago
Mortgage Rates
Mortgage Rates Hold Steady Above 6.5% in Late May Amid Persistent Inflation
2 sources · 144d ago
Explainer
Constant-Amortization Mortgages Cut Lifetime Interest by Front-Loading Principal Paydown
6 sources · 5d ago
More in Mortgages & Home Finance
ExplainerDuration Mismatch
Why Most Countries Cap Fixed Mortgages at Five Years Instead of Thirty
Consumer Advocates 35%Prudential Regulators 35%Macroeconomists 30%
ExplainerAppraisal Bias
Why Mortgage Appraisals Match Contract Prices in Over 90% of Home Purchases
Mortgage Lenders & GSEs 40%Appraisal Industry 30%Behavioral Economists 30%
ExplainerDebt Strategy
How Biweekly Mortgage Payments Erase Seven Years of Debt Through a Hidden 13th Installment
Financial Planners 35%Debt-Averse Homeowners 35%Consumer Advocates 30%
ExplainerPrepayment Penalties
The Mathematical Mechanics of Interest Rate Differential Formulas in Mortgage Prepayment Penalties
Consumer Advocacy Groups 35%Institutional Mortgage Lenders 35%US Financial Regulators 30%
ExplainerMortgage Escrow
RESPA Caps Mortgage Escrow Cushions at Two Months and Mandates Refunds for Surpluses Over $50
Consumer Protection Advocates 35%Mortgage Servicers 35%Regulatory Agencies 30%
ExplainerTitle Law
Why Deeds of Trust Allow Lenders to Bypass the Judicial Foreclosure Process
Lenders and Market Proponents 40%Consumer Protection Advocates 35%Real Estate Investors 25%
ExplainerProperty Law
The Three Tests That Define a Fixture and Determine Whether an Item Conveys With the Real Estate
Residential Buyers and Sellers 40%Commercial Tenants 30%Legal and Title Professionals 30%
ExplainerMortgage Underwriting
The 28/36 Rule: How the Debt-to-Income Ratio Sets the Maximum Monthly Mortgage Payment
Algorithmic Mortgage Originators 45%Traditional Financial Planners 35%Consumer Protection Advocates 20%
ExplainerMulti-Family Financing
How Owner-Occupants Use FHA Multi-Unit Financing to Acquire Fourplexes with 3.5% Down
First-Time Owner-Occupants 45%Conventional Underwriters 30%Federal Housing Regulators 25%
ExplainerMortgage Mechanics
How Mortgage Points and Fees Create the Spread Between the Note Rate and the APR
Consumer Regulators 40%Mortgage Lenders 30%Financial Analysts & Advisors 30%
ExplainerForeclosure Law
Judicial vs. Non-Judicial Foreclosure: How State Law Dictates the Timeline and Deficiency Judgment
Real Estate Investors 35%Mortgage Lenders 35%Consumer Protection Advocates 30%
ExplainerMortgage Structures
Fixed-Rate Versus Adjustable-Rate Mortgages: Allocating Interest Rate Risk and Costs
Risk-Averse Borrowers 40%Short-Term Homeowners 40%Lenders and Servicers 20%
ExplainerCondo Lending
Fannie Mae and Freddie Mac Raise Condo Reserve Minimums to 15% in Sweeping HOA Rule Change
Federal Regulators 40%HOA Advocates 35%Real Estate Industry 25%
ExplainerAppraisal Bias
Federal Mandate Gives Homebuyers a Standardized Way to Appeal Flawed Appraisals
Fair Housing Advocates 35%Data Researchers 35%Real Estate Consumers 30%
ExplainerGSE Reform
Fannie Mae Dismisses Over 10 Senior Executives in Sudden Leadership Purge Amid Market Concerns
Mortgage Industry Veterans 40%FHFA Leadership 30%Market Analysts 30%
ExplainerMortgage Regulation
CFPB Moves to Roll Back Post-2008 Mortgage Disclosure Rules, Citing Compliance Costs
Community Lenders & Credit Unions 35%Consumer Protection Advocates 35%Federal Regulators 30%
ExplainerAlternative Lending
Senate Bill Classifies Home Equity Investments as Mortgages, Subjecting Them to Federal Consumer Protections
Consumer Protection Advocates 40%Alternative Finance Industry 35%State and Federal Regulators 25%
ExplainerMortgage Pricing
FHFA's LLPA Overhaul Uses High-Credit Fees to Subsidize Lower-Score Borrowers
Housing Equity Advocates 35%Risk-Based Pricing Purists 35%Consumer Finance Analysts 30%
ExplainerHousing Policy
The Housing Affordability and Access Act Caps Investor Buys and Backs Small Mortgages
Housing Affordability Advocates 40%Mortgage Industry 35%Economic Researchers 25%
ExplainerCondo Underwriting
Fannie and Freddie's New Condo Rules End Limited Reviews and Mandate 15% Reserves
Consumer Protection Advocates 40%Mortgage Industry 30%Community Associations 30%
ExplainerMortgage Underwriting
FHFA Historical Data Prepares Mortgage Lenders for FICO 10T and VantageScore 4.0
Consumer Advocates 35%Federal Regulators 35%Mortgage Lenders 30%
ExplainerGSE Reform
A New House Bill Would Codify FHFA Rules to End Fannie and Freddie Conservatorship
Mortgage Industry 38%Legislative Reformers 31%Market Analysts & Investors 31%
ExplainerMortgage Stress
Why a 34% Jump in Foreclosure Inventory Signals Normalization, Not a Crash
Housing Economists 40%Consumer Advocates 30%Mortgage Servicers 30%
ExplainerVA Loans
VA Servicing Purchase and Broker Rules Create New Safeguards for Veteran Borrowers
Veteran Advocacy Groups 41%Mortgage Servicers & Lenders 35%Real Estate Professionals 24%
ExplainerMortgage Market
Why Slower Mortgage Payoffs Create Duration Gap Risks for Fannie Mae and Freddie Mac
Mortgage Industry Analysts 40%Systemic Risk Regulators 35%Academic Economists 25%
ExplainerMultifamily Housing
FHFA's $88 Billion Multifamily Lending Cap Balances Rental Liquidity and Private Capital
Affordable Housing Advocates 35%Commercial Real Estate Developers 35%Federal Regulators 30%
ExplainerMortgage Policy
FHA Eliminates Mandatory Appraisal Field Reviews to Lower Closing Costs
Housing Affordability Advocates 45%Appraisal Industry Professionals 35%Mortgage Risk Analysts 20%
ExplainerClimate Finance
Fannie Mae and Freddie Mac Shift Climate Disaster Risk to Private Investors
Systemic Risk Managers 40%Market Efficiency Advocates 35%Housing Equity Advocates 25%
ExplainerMortgage Strategy
Mortgage Recasting Re-Amortizes Loans to Cut Monthly Payments Without Refinancing
Debt-Minimization Advocates 40%Capital-Optimization Strategists 40%Mortgage Servicers 20%
ExplainerMortgage Strategy
Why Choosing a 15-Year Mortgage Could Save You Hundreds of Thousands
Debt-Free Advocates 35%Liquidity & Investment Prioritizers 35%Flexibility Seekers 30%
ExplainerShared Equity
How Shared-Equity Mortgages Work: The Co-Investment Model Reshaping Homeownership
Housing Accessibility Advocates 35%Institutional Investors 35%Financial Traditionalists 30%
ExplainerAssumable Loans
The 3% Mortgage Time Machine: How Assumable Loans Work in 2026
Homebuyers & Sellers 40%Mortgage Servicers 30%PropTech Innovators 30%
Deep DiveHousing Market 2026
Renting vs. Buying a Home in 2026: The Complete Financial and Lifestyle Comparison
Homeownership Advocates 35%Neutral Market Analysts 35%Flexibility & Renting Proponents 30%