Real Estate Market Risk Management for Mortgage Professionals
In the mortgage lending business, real estate market conditions can change rapidly. Whether it’s a...
July 2025
How Student Loans Impact First-Time Homebuyers in the U.S.
The American dream of homeownership can feel out of reach for many first-time buyers—especially those...
How Your Credit Score Affects Mortgage Risk in the U.S.
When it comes to buying a home or applying for a mortgage in the United...
AI and Big Data in Mortgage Risk Management
In the ever-evolving U.S. mortgage landscape, risk management has become more critical—and more complex—than ever....
How Biden Administration Policies May Impact Refinancing in 2025
Introduction: The Intersection of Politics and Your Mortgage The world of mortgage refinancing isn’t shaped...
Should You Refinance from an Adjustable-Rate to a Fixed-Rate Mortgage?
Introduction: Timing the Switch from Adjustable to Fixed For homeowners with an adjustable-rate mortgage (ARM),...
Loan Default Prediction: Techniques Used by U.S. Lenders
In the world of mortgage lending, predicting loan defaults before they happen is one of...
Risk-Based Pricing: How Lenders Use It in the USA
When you apply for a loan or mortgage in the United States, you might wonder...
Should You Refinance from an Adjustable-Rate to a Fixed-Rate Mortgage?
Introduction: Timing the Switch from Adjustable to Fixed For homeowners with an adjustable-rate mortgage (ARM),...
How Mortgage Lenders in the U.S. Handle Credit Risk
Credit risk is one of the most significant challenges in the mortgage lending industry. It...