Mortgage & Economy
Mortgage rates, Federal Reserve policy, employment, inflation, and what they mean for Bay Area affordability.
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What the Fed’s Rate Hike Means for Housing
A higher fed funds rate today is the medicine the housing market needs to recover tomorrow. Greater market confidence in inflation being under control is more likely to bring mortgage rates lower in 2027 and get the recovery back on track. Unfortunately, it’s going to be a challenged end of the year for home sales…
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FOMC Raises Policy Rate to 3.75 to 4.0 Percent
The FOMC raised its policy rate to 3.75 – 4.0 percent in a unanimous, 12-0 vote. Above-target inflation and a steady labor market drove the policy adjustment.
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Is non-QM a modern-day Cinderella mortgage investment?
BofA Securities sees $100B in securitization issuance after record $20.9B non-QM RMBS in Q3 2025
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AI can read the mortgage file, but who decides which facts are true?
Conflicting payroll, LOS, tax and bank data push lenders to define when evidence is supported or unresolved
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Is your title production process creating the problem?
Four ways title companies can reduce workflow friction, improve efficiency and get more from the technology they already have
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Beyond the national number: What builders need to know about today’s insurance market
S&P GMI shows 1.8% approved rate change through July 2026, while NAIC data points to uneven pressure by region
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Beyond the back office: Finding margin in field operations
How builder-trade coordination, real-time field visibility and AI construction scheduling can reduce costly friction across the supply chain
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A case for permit shot clocks builds as approval durations drag out
Researchers tracked 1.1 million permits from 2000 to 2025, showing approvals, not construction, drive much of the delay
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Warranty standardization can unlock trapped building benchmarks
Better measurement can look worse to markets, which weakens incentives to normalize and share benchmarks
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Federal court denies Zillow injunction, sends MRED claims to arbitration
Illinois judge also paused Zillow’s claims against Compass pending arbitration results








