Opinion

Bringing origination and servicing together with AI

Artificial Intelligence, Contributors, HWmember, Mortgage, Opinion, Origination, Servicing / Ricky Vasquez

The mortgage industry has undergone significant changes over the past few decades. One of the most notable has been the separation of origination from servicing. This decoupling was initially driven by the desire for greater efficiency, specialization and the need to respond to growing regulatory and market pressures. However, recent technological advances, especially in artificial […]

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Narrative collapse: Ethics, antitrust, and the real estate reckoning

Agent, Brokerage, Contributors, HWmember, Opinion, Real Estate / Ricky Vasquez

The American real estate industry is collapsing under the weight of its own unresolved contradictions. With a housing market now showing unmistakable signs of sustained decline— plummeting affordability, rising rates, historic commission lawsuits, and consumer disillusionment—there is no bailout coming this time. The lessons of 2008 have not prevented history from rhyming. This time, though,

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The driving forces behind mortgage lenders moving away from third-party processors

Contributors, HWmember, Mortgage, Mortgage Rates, Opinion, Origination / Ricky Vasquez

Mortgage lenders and services today face significant operational challenges, especially when relying on third-party processors for their outsourced services. While these middlemen operators can streamline certain tasks, the benefits are outweighed by their extreme high costs as well as the limitations over operational controls. Here we will focus on the complexities involved with outsourcing, and

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NAR: Americans want a tax plan that supports the American dream

Contributors, Housing Market, HWmember, Low-Income Housing Tax Credit, National Association of Realtors, Opinion, Real Estate, Tax / Ricky Vasquez

As Congress continues its effort to rewrite major portions of the tax code, the National Association of Realtors (NAR) unveiled new polling showing just what the American people are looking for in the legislation. The national survey shows overwhelming bipartisan support for tax provisions that strengthen homeownership, support small business owners and the middle class,

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Brokerages are sleeping on AI: Here’s the playbook to wake them up

Agent, Artificial Intelligence, Contributors, HWmember, Opinion, Real Estate, Technology / Ricky Vasquez

Let’s call it what it is: most brokerages are way behind on AI. Agents? They’re scrappy. They’re downloading ChatGPT apps, playing with Canva AI, and asking Midjourney to crank out listing flyers in 30 seconds flat. They’re moving fast because they have to. Meanwhile, broker-owners are still asking, “So… how exactly would we even use

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Debt is derailing homeownership for a generation — here’s how we can fix it

Contributors, Debt, HWmember, Opinion / Ricky Vasquez

The path to homeownership in America has never been easy. But for many millennials — the largest generation in the U.S. workforce — it’s not just a challenge. It’s an increasingly distant goal, and the biggest obstacle standing in the way isn’t always high home prices. It’s often debt. We’ve seen a sharp rise in

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How “Narrow AI” is transforming mortgage servicing and cash flow management

Artificial Intelligence, Contributors, HWmember, Mortgage, Opinion, Technology / Ricky Vasquez

The mortgage servicing industry faces significant challenges in managing cash flows efficiently. In real terms, the crux of the problem isn’t so much inefficiencies as it is transparency into the extent of the problem — in investor accounting, what you don’t know can hurt you. Lenders, investors, and borrowers are all impacted by this lack

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Will cutting rates fix the housing market?

Contributors, Housing Market, HWmember, Opinion / Ricky Vasquez

Mortgage professionals are navigating one of the most challenging origination markets in recent history. Still, cutting mortgage rates would not be the end-all solution to pacify markets that many claim it to be. While lower rates might temporarily ease borrower costs or support home purchases, they would also expose the housing industry to further risk

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Purchasing a home with all cash gives buyers a big advantage

Contributors, HWmember, Opinion, Real Estate / Ricky Vasquez

The tight housing market of the last few years gave home sellers a substantial edge. Many buyers had to bid over a home’s asking price just to have their offers considered. That led some savvy shoppers to make all-cash offers on homes, as it offered more certainty for sellers (making those bids more appealing) and

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Stay the course: Why stability is a winning strategy for originators right now

Contributors, HWmember, Opinion / Ricky Vasquez

Originators are entering the spring homebuying season with a set of new challenges: President Trump’s tariffs have disrupted markets, leaving an uncertain path forward in terms of housing construction and threatening homebuyers’ purchasing power. Meanwhile, the Fed has signaled a rate cut will likely be further delayed amid continued inflation concerns. In a market full

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Bringing origination and servicing together with AI

Narrative collapse: Ethics, antitrust, and the real estate reckoning

The driving forces behind mortgage lenders moving away from third-party processors

NAR: Americans want a tax plan that supports the American dream

Brokerages are sleeping on AI: Here’s the playbook to wake them up

Debt is derailing homeownership for a generation — here’s how we can fix it

How “Narrow AI” is transforming mortgage servicing and cash flow management

Will cutting rates fix the housing market?

Purchasing a home with all cash gives buyers a big advantage

Stay the course: Why stability is a winning strategy for originators right now

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