After 25 years in mortgage lending, one pattern has become difficult to ignore: Our industry is very good at helping people who are ready to transact, but inconsistent at helping people become ready. We have built faster applications, better verification tools, more precise underwriting systems and increasingly automated follow-up. Those improvements matter. But they mostly […]

Florida has taken a direct approach to one of the practical obstacles facing factory-built housing: local zoning rules that can treat a home differently simply because some or all of it was constructed somewhere other than the lot where it will ultimately sit. In 2026, the Legislature enacted section 553.385, Florida Statutes, establishing zoning parity

A few weeks ago I read an interview with the leader of a big IMB. His argument was that our only hope is to cap the rising cost of closing a loan and eventually lower it, and that technology is how we’ll get there. He’s right. Everyone reading this agrees with him. That’s the problem.