Mortgage & Loans

Managing A Pending IRS Installment Agreement When Applying For A Mortgage

Mortgage & Loans /
Managing A Pending IRS Installment Agreement When Applying For A Mortgage

Sometimes, a borrower may owe back taxes to the IRS; having an IRS installment agreement (or one that’s still pending approval) doesn’t automatically disqualify you from getting a mortgage. However, it does require specific underwriting calculations that we must apply to ensure accurate debt-to-income (DTI) ratios. Here’s How It Works When a borrower has applied […]

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AI Automation, U/W, CRM, Agency CEO Pay Cap; UAD 3.6 Update; Economic Jitters

Mortgage & Loans /
AI Automation, U/W, CRM, Agency CEO Pay Cap; UAD 3.6 Update; Economic Jitters

Lender and Broker Services, Products, and Software Warehouse lending got a major upgrade in 2025. OptiFunder has transformed the industry with the first fully connected warehouse ecosystem that brings originators and warehouse lenders together. Its WMS and Greyhound platforms automate everything, from funding requests to paydowns, so no more delays or endless spreadsheets. Originators get

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Mortgage Rates Only Slightly Lower, But Volatility Risks Remain

Mortgage & Loans /
Mortgage Rates Only Slightly Lower, But Volatility Risks Remain

There was a decent chance that rates would have made a fairly big move today in response to the release of November’s jobs report. This is the most important economic data as far as rates are concerned and today’s was the first full release since before the government shutdown. In general, weaker employment data promotes

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Cap Markets Education, Servicing, Borrower Monitoring Products; Marketing Thoughts for 2026

Mortgage & Loans /
Cap Markets Education, Servicing, Borrower Monitoring Products; Marketing Thoughts for 2026

Cap Markets Education, Servicing, Borrower Monitoring Products; Marketing Thoughts for 2026 Running a mortgage company, turns out, isn’t free, and lenders are trying to cut costs and increase efficiency everywhere. For example (and this is not a paid ad), Lenders One offers some member benefits that may be of interest: L1 Credit for

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