Mortgages

The Federal Reserve is slated to undertake a number of important rules and regulations in 2026, but decisions around agency leadership and the Trump administration's avowed effort to exert greater control over the central bank are likely to leave a lasting legacy at the agency.

A significant portion of the loans in the pool by balance, 44.5%, are designated at non-QM, according to DBRS, adding that about 50% of the loans in the pool were made to investors for business purposes.

Fannie Mae sees growth in refinance activity pushing volumes upward, but flattening purchases will temper lender momentum, according to its December report.

The national mortgage delinquency rate jumped to 3.85% in November, up 15% month over month and 2.79% year over year, according to ICE Mortgage Technology.

Our experts expect a mortgage market reset in 2026 with an uptick in originations, but warn lenders not to skimp on compliance even as the reins loosen.

While the 30-year average has hovered near the same level for weeks, the past year brought with it promising trends that may ease affordability in 2026.

The acquisition forms the eighth largest mortgage servicer nationwide, with a combined $400 billion in mortgage servicing rights.

The home purchase market, which competes for consumers with rentals, should remain subdued in 2026 because of high mortgage rates and low affordability.

After home equity surged in 2023, average gains slowed last year before falling into negative territory over the past 12 months, Cotality said.

After the end of the draw periods that range from two to five years, the amortization begins, during which borrowers have a repayment period ranging from three to 25 years.

This year Point has funded more than $2 billion in home equity investments to more than 20,000 homeowners nationwide.

The terms of NRMLT 2025-NQM7 will not allow it to advance principal and interest on loans that are delinquent by 180 days or more.

November rate locks fell seasonally but hit their strongest level since 2021, led by refis, while lenders shifted more loans to the GSE cash window.

The home equity investment provider first approached the securitization market in July 2024 to raise $217 million.

Forty percent of Americans planning to buy or sell a home in 2026 worry about a potential market crash, according to a new report from Clever Offers.

Delinquency trends split in Q3, with securitized and agency loans showing more strain while banks and life companies saw small improvements amid uneven vacancy and rent conditions.

Decision makers have voiced support for lower financing costs but researchers have said achieving it could be complicated. Part 3 in a series.

What developments around rent reporting and new credit standards portend for mortgage companies. Part 2 of a series on government-sponsored enterprise changes.

Fortress has been one of the most active home equity investment firms in November, investing $1 billion in Cornerstone.

If cumulative loss or a delinquency trigger event is in effect, then the deal will distribute principal among the class A notes before any principal allocation the class M1 or class B certificates.