February 27, 2019
Asset Manager, C-Suite, Default Manager, Investor, Operations, Quality Control, Industry News, Origination, Secondary Market, ServicingTop Takeaways from the 2019 Structured Finance Industry Group Conference
1. Economic Outlook Remains Positive
Despite 4Q18 volatility and 1Q19 government disruption, the economic outlook for 2019 remains positive. While growth is expected to ease compared to a more robust 2018, key indicators still point to a solid performance.2. Healthy Consumer Credit
Tight labor markets, highlighted by low unemployment, strong job creation and accelerating wage growth, support healthy consumer credit fundamentals in 2019. Plus, consumers have meaningfully reduced their household debt-to-income since the financial crisis, placing them on more solid footing.3. Growth in RMBS
New-issue RMBS reached a post-crisis record last year with even more growth expected in 2019—especially in the non-prime and non-qualified mortgage space. More originators are moving into closed-end second mortgage and HELOC issuance amid rising interest rates and elevated home equity.4. Continued Home Price Acceleration
While home price growth has been decelerating, home prices have continued to rise nationally on a year-over-year basis. Home price appreciation is forecast to continue in 2019.5. New Technology
Blockchain and artificial intelligence are the leading technologies powering innovation in the structured finance industry. Blockchain is a system of storing digital information in an encrypted and distributed way. Artificial Intelligence employs predictive analytics to carry out intelligent tasks in real-time. Combined, the two technologies can manage immense databases, strengthen cyber-security protocols, and make the most profitable decisions in a fraction of the time.
Beyond the Rate Drop: Helping to Future-Proof Your Lending Strategy
The recent drop in interest rates may lead to an influx of purchase and refi volume for lenders. With this shift on the horizon, learn more about positioning yourself to meet customer needs and help borrowers at scale through proper use of technology and innovative solutions.
Homebuying Trends in the United States
Discover the state of homeownership in the US, including the significant disparities across racial and ethnic lines and the challenges that homebuyers face. Learn about the importance of addressing these disparities and creating more equitable pathways to homeownership for building wealth and ensuring accessibility for all.
Debunking 7 Common Mortgage Myths
The homebuying process can be exciting, but it can also be overwhelming, especially when it comes to mortgages. There's a lot of information out there, but not all of it is accurate. In this article, we debunk some common mortgage and PMI myths to help borrowers make better informed financial decisions.
Explore the Evolving Traits of First-Time Homebuyers
Our infographic explores the characteristics and behaviors of today's first-time homebuyers, who prioritize homeownership as an important part of the American Dream despite economic and societal changes.
Loan Officers' Social Media Checklist: Best Practices to Help Build Your Brand
Loan officers can benefit from social media to connect with potential borrowers, build their brand, and establish themselves as a reliable authority in the mortgage industry. Optimizing social media profiles and posting strategies can attract new business and create lasting relationships with borrowers and business professionals. Check out our checklists to get started!
5 Tips for REO Disaster Planning
Read about preventative measures you can take to minimize damage and recover quickly when a natural disaster impacts your properties.
The American Dream of Homeownership Starts with Financial Literacy
As we celebrate National Financial Literacy month this April, it’s a reminder of the important role that financial literacy plays in preparing for the homebuying journey. Learn more about financial literacy for homebuyers.
Preparing to Buy or Sell a Home in the Spring
Spring is the busiest season in real estate, with warmer weather and blooming flowers highlighting a property's best features, and buyers prioritizing home tours before family obligations. Take a look at our checklists to help buyers and sellers prepare for the upcoming busy market.
4 Simple Steps for Loan Officers to Build Lasting Relationships in 2024
Using these 4 Simple Steps, Loan Officers can help their elevate business and redefine success in 2024 by building strong relationships with real estate agents, prior clients, local community organizations, and other trusted service providers.
The Millennial and Gen Z Homebuyer
Recognizing and understanding behaviors of Millennial and Gen Z homebuyers can empower loan officers and real estate agents to engage these distinct generations of homebuyers.