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Market yield on U.S. treasury securities at 10-year constant maturity. Updated daily.Data sourced from FRED

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.

RealFi lays off employees without paying salaries, severance: sources  

Nonbank mortgage lender RealFi laid off employees in December and did not issue their last paychecks, sources told HousingWire.

Logan Mohtashami’s 2024 housing market and rate forecast 

Lead Analyst Logan Mohtashami predicts mortgage rates, home prices and home sales in this 2024 housing market forecast.

Housing inventory defied all predictions in 2023 

Going into 2023, people thought housing inventory would skyrocket, and home prices would crash. None of that happened.

How new FCC rules closing the ‘lead gen loophole’ could impact mortgage professionals 

The new rule is not likely to dismantle lead aggregators or their businesses. However, the lead generation side of the business could likely see major changes. Here’s how LOs should prepare.

The Federal Reserve delivers lower rates for Christmas 

The 10-year yield and mortgage rates fell after the Fed meeting, which gave us mortgage rates under 7% last week.

Movement accuses Summit founder Todd Scrima of corporate espionage 

Movement accuses Summit’s CEO Todd Scrima of leading a corporate raid with the help of former Movement managers.

Fannie Mae on Q4: Existing home sales will be lowest since 2010 

Fannie Mae expects Q4 seasonally adjusted existing home sales to be 3.9 million on an annualized basis – the lowest since Q3 2010.

Have we finally hit the bottom in existing home sales? 

Has the epic crash in existing home sales finally found a workable bottom to rise from? The 10-year yield will be our guide.

Existing-home sales have nowhere to go but up in 2024?  

Elevated mortgage rates and high home prices pushed sales of existing homes down again in October to the lowest monthly pace since August 2010.

What’s driving First American’s big bets on proptech 

First American Title in Q3 recorded $278 million in gains related to its tech/venture investments. We caught up with Paul Hurst for a closer look at the company’s tech strategy. HW+ Premium Content

A Crystal Ball for eClosings 

After a big leap ahead in 2020, are eClosings stalling? Here’s what you need to know about the future of digital closings. HW+ Premium Content.

Another profitable quarter for Realogy, but what’s next? 

Realogy made a profit for the fifth straight quarter. But the brokerage conglomerate faces questions about how its business is diversifying especially amid a slightly cooler housing market. HW+ Premium Content

Break Out: The Future of Valuations 

Big changes are afoot in the valuation space. Will hybrid appraisals become the new norm? Are the GSEs going to expand the use of appraisal waivers? HW+ Premium Content.

Reducing Bias is the Gold Standard for Appraisals 

There are two significant issues in our industry right now — appraisal bias and origination volume. So how does this involve appraisal modernization? HW+ Premium Content

HUD official talks appraisal bias task force 

Melody Taylor, executive director of HUD’s Property Appraisal and Valuation Equity task force, answers questions about its work on racial bias claims. HW+Premium Content

3d rendering of a row of luxury townhouses along a street

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