Opinion

DIY automation isn’t always a win: What mortgage lenders need to know

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

DIY automation pitfalls/myths: It’s time to rethink your strategy In today’s mortgage industry, nearly every organization is battling inefficiencies caused by manual processes. Whether it’s a loan officer pulling data from one system to enter it into another, or underwriting teams relying on endless email threads and spreadsheets, the day-to-day operations behind most lending workflows […]

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When “transparency” becomes a weapon

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

For years, the real estate industry has leaned on “transparency” as both a shield and a sword. Whenever innovation threatens the status quo, gatekeepers quickly rally behind consumer protection. But who’s really being protected? Let’s take a step back. Not long ago, Zillow led the charge into iBuying, buying homes from sellers directly, often at

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She buys: How single women are reshaping today’s real estate conversation

Agent, Contributors, Homebuyers, Homebuying, HWmember, Opinion, Real Estate / Ricky Vasquez

Lately, I’ve found myself pausing at headlines about the rise of single women in real estate, not just as influencers, but as owners, investors and decision-makers. While it’s no secret thatwomen often drive home buying choices within families, what stands out today is howconfidently many are making those decisions independently. Here in Florida, I’ve seen

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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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DIY automation isn’t always a win: What mortgage lenders need to know

When “transparency” becomes a weapon

She buys: How single women are reshaping today’s real estate conversation

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

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