The housing market has spent three years talking about one number: the mortgage rate. That makes sense. The mortgage rate matters. It decides the monthly payment. It decides who can buy, who can refinance, who can move and who has to wait. But the lock-in has lasted long enough that the rate is no longer […]

Elevated mortgage rates, affordability pressures and economic uncertainty continue to shape the housing market in 2026, prompting homebuilders to adopt a more disciplined operating approach. Across the industry, builders are refining product mix, tightening inventory levels and pursuing strategic homebuilder consolidation opportunities as they adapt to softer buyer demand and rising capital pressures. Following the

Another portfolio of prime mortgages, which primarily finance second homes and investment properties, will secure $517.7 million in residential mortgage-backed securities (RMBS), from sponsor Onslow Bay Funding. Processing Content Kroll Bond Rating Agencies says 1,322 fixed-rate mortgages are in the collateral pool, with second homes and investment properties accounting for 25.8% and 74.2% of the