HousingWire Daily

Logan Mohtashami, a lead analyst known for his insights on housing trends, joins the discussion. He unpacks the recent surge in inventory and pending sales, revealing why some data seems deceptively optimistic. Logan critiques headlines from Redfin, emphasizing the importance of understanding seasonal trends. He forecasts a healthier housing market in 2025, balancing inventory with stable pricing. The conversation also explores the impact of mortgage rates and how rate cuts can improve access for buyers, amidst a lively chat about seasonal fun.

Logan Mohtashami, a lead analyst in housing and mortgage markets, shares insights on upcoming Fed policy amidst a government shutdown. He discusses market expectations for rate cuts and their limited effect on mortgage rates. Logan delves into the Fed's internal debates and the necessity for a softer labor market, while also analyzing CPI trends and shelter inflation. Finally, he offers an optimistic outlook for the 2025 housing market, highlighting trends in existing home sales and the rise of adjustable-rate mortgages.

Logan Mohtashami, a lead analyst focused on mortgage and housing market data, joins to discuss the effects of the government shutdown on housing. He highlights concerns that ongoing delays in transactions could impact the market significantly. Logan also breaks down the factors influencing mortgage rates, particularly the 10-year yield, and how economic reports may affect future trends. He warns against the misleading nature of year-over-year home sales growth due to low baselines, providing a nuanced view of the current housing landscape.

In a captivating discussion, Matt VanFossen, CEO of Absolute Home Mortgage and chair of the MBA's State Legislative Regulatory Committee, dives into the surge of state-level mortgage regulations. He elaborates on over 200 new AI bills and the necessity for thoughtful safeguards in technology. VanFossen also highlights the challenges posed by 'zombie mortgages' and the evolving Community Reinvestment Act in the Northeast. He emphasizes the urgency for loan officers to engage locally and the importance of adapting legislation to keep pace with advancements in the industry.

Bob Broeksmit, President and CEO of the Mortgage Bankers Association, shares insights from the MBA Annual Conference. He discusses the recent approval of VantageScore as an alternative to FICO, highlighting its implications for competition in credit scores. Broeksmit challenges the need for tri-merge reports for high-score loans, arguing they're redundant. He also delves into the complexities of GSE conservatorship and the potential for capital changes, while emphasizing the need to avoid actions that could raise mortgage costs and impact affordability.

Join Mike Vough, Head of Corporate Strategy at Optimal Blue, as he dives into the recent surge in refinance opportunities driven by a 50-basis-point rate drop. He discusses the psychological barriers borrowers face around interest rates and the challenges lenders encounter in retaining these clients. Vough emphasizes how technology enhances speed and accuracy in lending processes, making outreach more effective. He also shares insights on tools that enable loan officers to provide tailored mortgage advice and previews exciting developments at Optimal Blue.

Logan Mohtashami, a lead analyst known for his insights into the housing market, shares fascinating trends in housing data. He discusses the recent positive shift in purchasing applications and new listings, attributing it to decreasing mortgage rates. Logan also emphasizes the importance of understanding inventory changes and critiques oversimplified narratives in housing forecasts. With a keen eye on economic impacts, he warns about potential risks from trade conflicts that could disrupt housing momentum.

Join Logan Mohtashami, a lead analyst specializing in mortgage markets, as he unpacks the intricate dance of mortgage rates amidst economic turmoil. He reveals his intriguing forecast of rates potentially dipping to 5.75% and explores how limited bank stress can create ripples in the market. Logan discusses the Federal Reserve's internal debates and what kind of external shocks could meaningfully impact bond yields. Tune in for insights on builder behavior and the implications of political events on mortgage rates!

In this conversation, Nate Baker, CEO of Qualia and prolific tech entrepreneur, dives into the transformative role of AI in real estate. He highlights how AI's recent evolution can now tackle real business tasks, shifting workflows and enhancing productivity. Nate dispels the myth that automation leads to job loss, emphasizing that it expands job roles instead. He also discusses the democratizing power of AI for small players, the importance of integrated data for effective AI usage, and urges leaders to experiment with these technologies personally for meaningful advancements.

Join Logan Mohtashami, a lead analyst known for his insights on mortgage markets and bond yields, as he delves into the critical relationship between the 10-year yield and mortgage rates. He discusses the impact of Fed policy, the recent market reactions to tariff news, and labor market trends. Logan also explains why mortgage rates have remained stable amid economic changes and offers insights on tracking labor indicators during uncertain times. His data-driven approach sheds light on the current housing market dynamics.