HW+ provides career-making insights and analysis for those in Mortgage, Real Estate and FinTech. This long-form digital content provides members with news nowhere else and digs deeper into the “why” behind the daily news cycle. To join the HW+ community, click here.
How “Narrow AI” is transforming mortgage servicing and cash flow management
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 of transparency as it often results in delayed transactions, increased financial risks, and compliance challenges.
Better mortgage spreads boost housing demand in 2025
The improvement in mortgage spreads since 2023 has contributed to a noticeable positive trend in purchase application data for 2025.
Will cutting mortgage rates fix the housing market?
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 without meaningfully addressing core issues, like supply shortages or long-term affordability.
UWM rolls out construction-to-permanent loans
UWM’s construction loan covers the cost of building a home and is converted to a permanent mortgage after completion.
Borrower demand declines amid a volatile mortgage market
Mortgage apps decreased 9% for the week ending January 27 — despite lower rates.
