Equifax’s Jesse Hardin says a deeper understanding of a borrower’s complete financial picture is the key to navigating today’s housing landscape.
Tag: op-ed
The Investors Who Will Win Next Aren’t the Biggest – They’re the Most Adaptable
Genstone’s Bryan Lysikowski says many of the investors he speaks with remain as active as they were several years ago. “What has changed is not their appetite to invest, but the environment and the level of precision now required to generate attractive returns.”
Class Valuation’s Nikkita Phanda on UAD 3.6 and Collateral Modernization: What Lenders Need to Know
The transition to UAD 3.6 is already well underway, marking the most significant update to appraisal reporting standards in more than a decade.
The Investors Who Will Win Next Aren’t the Biggest – They’re the Most Adaptable
Genstone’s Bryan Lysikowski says many of the investors he speaks with remain as active as they were several years ago. “What has changed is not their appetite to invest, but the environment and the level of precision now required to generate attractive returns.”
Mary Kay Scully: Prepping for Upcoming Uniform Residential Appraisal Report Changes
Lenders have a big change coming their way. On Nov. 2, one of the most significant updates to residential appraisal reporting in years will be mandatory. Fannie Mae and Freddie Mac are modernizing appraisal standards through the new Uniform Residential Appraisal Report.
AI in Servicing Compliance: Cutting Through the Hype to Deliver Real Regulatory Wins for Primary Servicers, Sub-Servicers
IndiSoft LLC President Camillo Melchiorre cuts through the noise to look at how AI is actually working for compliance departments.
What Mortgage Lenders Need to Know About the Vendor Risk in 2026
Survey data from 200-plus financial services professionals reveals that the vendors powering mortgage operations carry more unmanaged risk than most lenders realize–and regulators are no longer the only ones demanding answers, Ncontracts’ Amanda Farnham writes.
How Unsecured Debt Is Increasingly Driving Housing Instability
Money Management International’s Helene Raynaud writes that many unsecured debt challenges–credit-card utilization, medical collections, budget shortfalls–can potentially be addressed before they escalate into mortgage delinquency or foreclosure exposure.
The Shift to State Regulation: What Lenders Need to Know About Servicing Risk
Over the past several years, mortgage servicers have experienced a noticeable shift in regulatory momentum. While federal regulatory activity–particularly from the Consumer Financial Protection Bureau–has slowed, oversight has not disappeared. Supervisory guidance has been pulled back, certain proposals have stalled and enforcement posture has recalibrated. But this does not signal a lighter compliance burden.
AI Is Already Influencing Your Loan Decisions. Is Your Governance Keeping Up?
AI is already a part of your lending operations. It’s screening applications, flagging risk, and powering the platforms your team relies on every day. In many cases, it’s also inside your vendors’ systems, running quietly in the background of decisions your organization is ultimately responsible for.