Author name: Ricky Vasquez

For decades, mortgage underwriting has followed the same basic structure: verify income, review credit, apply ratios, and make a decision. The tools have improved. The thinking largely hasn’t. Automated systems like Desktop Underwriter and Loan Product Advisor can process loans faster than ever. But they still rely on a core assumption: if income can be […]

Loan officer Jason Smith, a U.S. Navy veteran who spent five years as an air traffic controller, entered the mortgage business 21 years ago. Reflecting on the similarities between the two careers, he said that he “didn’t have that epiphany until years later that you have to be in control of the situation, be authoritative

A growing number of private sector employers have quietly begun offering workers a benefit that helps them live closer to the office at a price they can afford. As housing costs soar, it has been policymakers nationwide who’ve hogged the headlines, zeroing in on zoning reform and regulatory rollbacks as fixes for America’s housing affordability