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In mortgage lending, there’s no shortage of conversation around interest rates and closing costs. But beneath that surface-level focus lies a missed opportunity—one that could dramatically improve the financial well-being of millions of homeowners. It’s the opportunity to help borrowers optimize their blended debt rate and strategically reduce their total mortgage cost over time. Most […]

Shane Lanham first heard he was being sued for racial discrimination from a New York Times reporter who called him for comment. That story ran with the headline: Home Appraised With a Black Owner: $472,000. With a White Owner: $750,000. The New York Times article described how Drs. Nathan Connolly and Shani Mott, who were

Outdated mobile homes that were built before the implementation of modern construction and safety standards in the 1970s can still be found across the country. Seniors living on fixed incomes often own these homes and don’t have a practical solution for replacing them. That’s where Bill Smith comes in. For the past decade, Smith —