Podcasts about victoria wickham

Today's HousingWire Daily interview features an interview with Nancy Alley, the vice president of product strategy with ICE Mortgage Technology at Intercontinental Exchange. In this episode, Alley discusses the recent launch of the company's Encompass eClose and what it means for the mortgage industry.  HousingWire Daily examines the most compelling articles reported from across HW Media newsrooms. Each afternoon, we provide our listeners with a deeper look into the stories coming across our news desk that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features an interview with Joe Tyrrell, the president of ICE Mortgage Technology at Intercontinental Exchange. In this episode, Tyrrell discusses the current state of the mortgage industry and the recent coming together of Ellie Mae, Simplifile, and MERS to form ICE Mortgage Technology. HousingWire Daily examines the most compelling articles reported from across HW Media newsrooms. Each afternoon, we provide our listeners with a deeper look into the stories coming across our news desk that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features the tenth episode of Honest Conversations, a miniseries on minority homeownership hosted by HousingWire Digital Media Manager Alcynna Lloyd. In this episode, Lloyd interviews John Bryant, the founder, chairman, and CEO of Operation Hope, who is also the founder of The Promise Homes Company, which is one of the largest minority-controlled owners of single-family residential rental property in the United States.  In this episode, Bryant discusses why Atlanta has become a hotbed for minority entrepreneurs, and how that is impacting financial education and homeownership in the market. HousingWire Daily examines the most compelling articles reported across HW Media. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham. 

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, HousingWire's Editor in Chief Sarah Wheeler interviews Robert Dietz, chief economist and senior vice president of economics and housing policy for the National Association of Homebuilders (NAHB), about home building trends across the country as well housing supply and policy.HousingWire Daily examines the most compelling articles reported across HW Media. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a crossover episode of What's Hot in Housing, featuring Mortgage Marketing Radio's Geoff Zimpfer and HW Media Founder and CEO Clayton Collins. In this episode, the pair discuss the latest developments on Joe Biden's proposed first-time homebuyer tax credit, and whether or not the housing market is likely to crash in 2021. HousingWire Daily examines the most compelling articles reported across HW Media. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a crossover episode with RealTrending, a podcast that focuses on interviewing the brightest minds in real estate.In this episode, Steve Murray, RealTrends Advisor, and industry stalwart, takes a forward look at the housing market from 2022 to 2024, also offering input on recent litigation noise, and giving brokers insight into this year's  RealTrends 500  rankings.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features the ninth episode of Honest Conversations, a miniseries on minority homeownership hosted by HousingWire Digital Media Manager Alcynna Lloyd. In this episode, Lloyd interviews Timothy Demry, a real estate agent in San Francisco's Bay Area, about his experiences serving minority first-time homebuyers.  HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, HousingWire's Editor in Chief Sarah Wheeler interviews Lindsey Johnson, the president of USMI, about the unique challenges facing mortgage insurers and whether or not Biden's proposed first-time homebuyer tax credit could change the need for private mortgage insurance. HousingWire Daily examines the most compelling articles reported from across HW Media newsrooms. Each afternoon, we provide our listeners with a deeper look into the stories coming across our news desk that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features the eighth episode of Honest Conversations, a miniseries on minority homeownership hosted by HousingWire Digital Media Manager Alcynna Lloyd. In this episode, Lloyd interviews Fernando Paez, a franchise sales consultant at REMAX who is specifically working on expanding homeownership in the Hispanic community. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham. 

Today's HousingWire Daily features an interview with Atticus LeBlanc, the founder of PadSplit, a company that claims it's disrupting the affordable housing marketplace. In this episode, LeBlan, who is also the co-founder of Stryant Construction & Management, discusses how the nation's eviction moratoriums could cause long-term issues for housing affordability and why he believes America needs more "upzoning" to help with the affordable housing crisis.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features the seventh episode of Honest Conversations, a miniseries on minority homeownership hosted by HousingWire Digital Media Manager Alcynna Lloyd. In this episode, Lloyd interviews Charmaine Brown, the director of diversity, equity, and Inclusion at the Mortgage Bankers Association, on diversity at the executive level and what new opportunities the organization has coming down the pike.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, Brian Zitin, CEO of Reggora, talks about innovation within his company, as well as changes occurring in residential valuation.   HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features the sixth episode of Honest Conversations, a miniseries on minority homeownership hosted by HousingWire Digital Media Manager Alcynna Lloyd. In this episode, Lloyd interviews Jaya Dey, senior economist in the single-family client and community engagement at Freddie Mac, about affordable housing and how it impacts minority homeownership. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, HousingWire's Editor in Chief Sarah Wheeler interviews John Beacham, CEO of Toorak Capital Partners.During the episode, Beacham discusses his recent HousingWire article that outlines three common-sense initiatives that could immediately make a difference in affordable housing, as well as how zoning impacts the home buying process.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, Michael Bright, CEO of Structured Finance Association, discusses findings in the 2020 SFA Annual Report as well as what's ahead for the market this year in relation to LIBOR, ESG initiatives, and GSE reform.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

In this episode of HousingWire Daily, John Pataky, the EVP and chief banking officer at TIAA Bank, joins the podcast to talk about the current state of the housing market, focusing on how mortgage rates could impact homebuyer demand in 2021. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a crossover episode from HousingWire's Girlfunds podcast. During the episode, Victoria Gillespie, chief marketing and communications officer at the National Association of Realtors discusses how she helped mentor and lead her team, along with the 1.4 million realtors who the association serves, through COVID-19. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast. In this episode, Total Expert's Sue Woodard uses her unique perspective to discuss the current state of mortgage technology and explains why she believes the customer is really the hero of the story. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a crossover episode with REAL Trending, a podcast that focuses on interviewing the brightest minds in real estate.In this episode, Tracey Velt, managing editor at REAL Trends, a HousingWire sister company, interviews Ryan Gorman, president and CEO, Coldwell Banker Real Estate and Booker Pickett, broker, and owner of Coldwell Banker Pickett Fences. During the interview, the trio discusses the challenges and barriers facing minority brokers and a new program aimed at giving them a hand up. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today’s REAL Trending features an interview with Ryan Gorman, President and CEO, Coldwell Banker Real Estate and Booker Pickett, broker/owner of Coldwell Banker Pickett Fences in Land O’Lakes, Florida. In this interview, Gorman discusses the challenges and barriers for minority brokers and a new program aimed at giving them a hand up. Pickett recently signed up for the program. He’ll discuss the challenges he’s faced building his brokerage and his special focus on underserviced communities. REAL Trending features the brightest minds in real estate. Twice a month, brokerage leaders, top agents, team leaders, and industry experts share their success secrets, trends, and lessons learned navigating this ever-changing industry. Hosted by Tracey Velt and produced by Victoria Wickham.

Today's HousingWire Daily interview features an interview with Monique Winston, the vice president and a national business development executive, and chair diversity and inclusion council member at WFG National Title Insurance company. In this episode, Winston discusses her work as a nationally renowned minority business advocate. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features an interview with Caliber Home Loans' Brandon Bialkowski and Vanessa Accra. In this episode, the loan consultants discuss Arizona's hot housing market, which is experiencing a significant uptick in homebuyer migration.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a crossover episode from HousingWire's Girlfunds podcast. In this episode, Sue Yannaccone, the CEO of Realogy Franchise Group, talks about what women can do to better support other women and how she has created boundaries in order to create more balance between her work life and personal life, especially after a year like 2020.  HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham. 

Today’s REAL Trending features an interview with Linda O’Koniewski, CEO of Leading Edge Real Estate in Boston. In this interview, O’Koniewski discusses lessons learned after finding out her franchise pulled the plug, and they had to rebrand overnight. Five years later, the company is on solid footing, regaining some of the agents they lost (which wasn’t many!) and introducing new initiatives like the LEAP program, which offers a plug and play system for virtual teams and brokers.REAL Trending features the brightest minds in real estate. Twice a month, brokerage leaders, top agents, team leaders, and industry experts share their success secrets, trends, and lessons learned navigating this ever-changing industry. Hosted by Tracey Velt and produced by Victoria Wickham.

 Today's HousingWire Daily focuses on this month's Magazine issue. In this episode, HW+ Managing and Magazine Editor Brena Nath discusses what readers can expect in HousingWire's February issue, which will focus on the unique challenges Servicers will face in 2021.  HW Magazine is a product of HousingWire's HW+ premium membership. A HW+ membership will provide you with career-making insights and analysis of Mortgage, Real Estate, and FinTech, all for less than your daily cup of coffee.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily interview features a crossover episode from HousingWire's Housing News podcast.  In this episode, HomeBridgeChief Diversity & Inclusion Officer Brian “Woody” White discusses what increasing diversity within the housing finance industry looks like on a practical level. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features a Housing News podcast crossover episode with MBS Highway and CEO Barry Habib. In this episode, HousingWire Editor in Chief Sarah Wheeler and Habib launch season 5 of the podcast by discussing MBS Highway's 2021 housing market forecast.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily episode features an interview with HousingWire Managing Editor James Kleimann and William Raveis Mortgage Executive Mortgage Banker Melissa Cohn. In this episode, Kleimann and Cohn talk about the surprising group of people who are now buying in Manhattan, the rebounding state of mortgage finance in the Big Apple, what's slowing down turn-times, and what to make of all the IMBs going public. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily focuses on some of the housing topics that shaped 2020. In this episode, we take a look back at last year's biggest housing concerns and hear industry experts' commentary on what's to come in 2021.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:·      Black Knight's Walden on mortgage delinquencies in 2021·      Redfin's Daryl Fairweather on whether or not there will be a foreclosure crisis·      TIAA Bank's John Pataky on homebuyer demand·      MBA's Mike Fratantoni on next year's purchase market

Today's HousingWire Daily features a crossover episode from HousingWire's Girlfunds. In this episode, Portside Real Estate Group Founder and HousingWire 2020 Woman of Influence, Dava Davin discusses everything from her best financial tip to her No. 1 piece of advice to people starting the home-buying process.Here is a small preview of today's interview with Dava Davin. The transcript below has been lightly edited for length and clarity:Brena Nath: We are obviously passionate about home buying and purchasing tips and insight. As someone who is regularly helping people achieve their dream of homeownership, I have a basic entry-level question, how do you recommend people start the home buying process and where do you think they often go wrong when it comes to buying a home? Dava Davin: Going back to our first question about youth, I think the younger, the better when thinking about homeownership. It's important to start having good behaviors when you are young. Simple things like paying your bills on time, budgeting, saving for that down-payment and speaking with a trusted loan officer can help folks start the homebuying process a year or two in advance. They're not bothering anyone; a loan officer will be happy to have their business and help set them up. I think the typical scenario for homeownership is that you are in a long-term relationship, and then maybe you want to solidify that relationship or have a family. So, you buy a house but it doesn't have to be in that order. I think that sort of thinking is where people go wrong. They think, ‘oh, this is how I'm supposed to do it, I'm supposed to graduate from college, get the job and do it in this way.' You don't necessarily have to. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

In today's episode, Digital Producer Alcynna Lloyd joins HousingWire Editor in Chief Sarah Wheeler to discuss the hottest topics coming across HousingWire's news desk. During the episode, Lloyd and Wheeler review the recent news  that President Donald Trump signed the second COVID-19 stimulus bill and how it could impact homeowners. The pair also highlight what some economists say we should expect for the housing market in 2021 and discuss the housing inventory shortage and whether it will impact potential homebuyers.For more background on what is discussed, here is a preview of today's interview, lightly edited for length:HousingWire: Sarah, what stories really caught your eyes last week?Sarah Wheeler:  The stimulus bill was really the talk of all last week and then, of course, this weekend, with Trump finally signing the $900 billion stimulus bill. We were focused on both the bill and the implications for our industry as we knew it had quite a bit of an impact for renters and homeowners. Notably, we learned that many people who may have been in a good financial position prior to the pandemic could have saved the money they got from the last stimulus bill, which is really interesting. They didn't travel, and they weren't able to do many things they normally do, so they might be saving the funds. Currently, we're looking at the $600 one-time stimulus checks and the unemployment benefits that are going through. That being said, the House is also voting today on increasing those checks to $2,000. However, it's unclear if the Republican-led Senate will even vote on the amount or if it will pass. The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Trump signs stimulus bill: Here's what you need to knowThe good, the bad, and the likely for housing in 2021FHFA extends multifamily forbearance through March 31

Today's HousingWire Daily features a crossover episode from HousingWire's Girlfunds. In this episode, LA-based Real Estate Agent Xio Sandoval discusses how she is helping her clients lock in a home in today's competitive market, along with some creative financial ways she has helped people buy a home, such as renting out the basement.Here is a small preview of today's interview with Sandoval. The transcript below has been lightly edited for length and clarity:Sarah Wheeler: You know, we did want to ask you one question about market competition. Currently, Brena Nath is in  the process of buying a house and I just bought a second house. I know you value creating long term relationships with clients, but in today's fast paced market, how are you helping them lock in their dream home?Xio Sandoval: I have a couple of buyers right now that are just being rejected and we're submitting very aggressive offers. So, I just make sure they understand and remind them they have to be patient. I'm here for them. I don't care if I show them two houses, 20 houses or 30 houses, we're going to get in and I'm not giving up on them. Right now, a house I'm working on is paying two and a half commission to the MLS agent. I'm giving up 0.5% or 0.75% back to the seller as a credit, so they can consider my buyers offer because I rather work in volume than make money in one deal.  This means that buyer is going to stay with me. In fact, right now I'm selling houses to the children of former clients from 10-15 years ago, which is unreal. The market is crazy but that will eventually slow and that's why maintaining your relationships is important. If the agents know that you are like minded, they will eventually want to work with you.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

In today's HousingWire Daily episode HW+ Managing Editor Brena Nath joins HousingWire Editor in Chief Sarah Wheeler to discuss the biggest topics coming across the HousingWire news desk. Nath and Wheeler review the recent announcement of approval for another round of stimulus checks and examine how this could impact the housing market. The pair also discuss why three brokers are gearing up for a potential battle in court with United Wholesale Mortgage and highlight what economists say is ahead in 2021.For more background on what is discussed, here is a preview of today's interview. The transcript below has been lightly edited for length:HousingWire: What is something that we should all be watching right now regarding the news?Sarah Wheeler: I think the biggest news over the weekend was the stimulus bill going through. There was a lot of hand-wringing over the last month as many wondered the eventual shape of the bill. However, they did get it done, and we now have a stimulus bill. I think many people have focused on the $600 coming through to American households, which is certainly a big part of it, and that's just a stimulus check. But for our audience, we really want to examine the impact on homeowners or renters looking to become homeowners, which is what we're doing a deep dive on today. Jonathan Reckford, CEO of Habitat for Humanity, wrote an op-ed piece for HousingWire last week discussing what he hoped the stimulus bill would include. One of the interesting things in his take on that was that he felt like there should be money for low-income homeowners. There have been quite a few things for unemployed renters but not so much for homeowners based on how much money they make, yet that could greatly impact our industry. I don't see that in this particular stimulus bill, but we haven't dug into it all the way yet.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:How the latest stimulus impacts renters and homeownersThree brokers go to war with United Wholesale MortgageThe next coronavirus front: evictions and foreclosuresThe pandemic's impact on housing market in 2021

Today's HousingWire Daily episode features an exclusive interview with NotaryCam's CEO Rick Triola. In this episode, Triola delves into why more title industry professionals have adopted remote online notarization in 2020 and shares why he believes RON is here to stay in 2021.Here is a small preview of today's interview with Triola. The transcript below has been lightly edited for length and clarity:HousingWire: Let's get started with the main question of RON adoption; as we all know, states have changed a lot this year when it comes to RON acceptance due to COVID-19. Do you think these policies will stick around in 2021?Rick Triola: I think so. RON is pretty much here to stay. It's proven over the last couple of years for the offices that have used us as far back as three or four years ago that it has become very sticky.  Sadly, during this pandemic there's a greater need for it today than there was three or four years ago. I think going forward I think going forward; it makes a lot of sense that all of this will become sticky. I can't imagine any legislation reversal.HousingWire: Looking at a national level, what is the state of the Senate's SECURE Notarization Act?Rick Triola: It's an interesting, timely question because as of [Wednesday] the American Land Title Association has put together a letter to Congress, and I signed off on that. It's needed, as it just gives a standard that everybody could abide by. I think the challenge faced when it first came out, with the pandemic, it was a good idea. But there were a lot of things going on in the world that kind of put that on the back burner. But there's no question that in 2021 and as far as I'm aware of, there are no objections to national RON standards. I think it should go through pretty well in 2021.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:These are the top RON trends to watch for in 2021This is the single greatest factor standing in the way of RON2020 HW Vanguard: Rick Triola

In today's HousingWire Daily episode, the HousingWire Digital Team focuses on one of the hottest housing markets in the country, Austin, Texas. The episode takes a look at the city's hot housing market and examines a recent HW+ article that delves into what contributing factors could be making this red-hot market a magnet for tech companies.This article is part of our HW+ premium membership community. When you go to sign up, use the code “hwpluspodcast100” to get $100 off your annual membership.For some background on the story, here's a summary of the article: Austin, Texas, dubbed “Silicon Hills,” is already home to tech companies like IBM, Dell, Google, Facebook and Apple. Texas Gov. Greg Abbott said tech companies were flocking to Texas in “an absolute tidal wave.”On Friday, computer technology company Oracle announced in a filing with the Securities and Exchange Commission that it would be relocating its headquarters to Austin, where it already has a sizable campus. The filing said that the company believes “these moves best position Oracle for growth and provide our personnel with more flexibility about where and how they work….this means that many of our employees can choose their office location as well as continue to work from home part time or all of the time.”The number of tech and tech-adjacent companies moving to Austin just keeps growing. Over the summer, car manufacturer Tesla announced plans to open a $1.1 billion factory in Austin, claiming it could hire 5,000 people over time. And just last week, Tesla CEO Elon Musk confirmed to The Wall Street Journal that he had relocated to Texas, too.Austin is ranked the No. 4 metro by net inflow of users and their top origins by Redfin– meaning 39.5% of users who search for homes in Austin are from outside the metro area. The top out-of-state origin location is San Francisco.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:News of Tesla factory revs up hot Austin housing marketAustin now a magnet for tech workers wanting to buy homes

In today's HousingWire Daily episode HW+ Managing Editor Brena Nath joins Mortgage Editor James Kleimann to discuss the most compelling articles reported from the HousingWire newsroom. The pair review Kleimann's recent article, which is part of HW+ Premium Content, that digs deeper into the latest mortgage application pull-through rate and why LOs say some applications aren't making it to the finish line.For some background on the interview, here's a snippet of the article:Lonnie Glessner isn't normally one to turn down business. But with origination volume expected to exceed $3.4 trillion this year, stretching the capacity limits of lenders and everyone else in the housing ecosystem, some mortgage applicants simply haven't been worth his while.“I have a refinance client in California and they own a geodesic dome home,” said Glessner, a senior loan officer at Draper & Kramer Mortgage in Englewood, Colorado. “They are nearly impossible to finance, thus not worth my team's time currently. We can't be chasing rabbits all over the park right now. My team of LOAs, processors, assistant processors, underwriters and closers are still overwhelmed with business…I need to keep it easier for them.”The geo-dome owner was among the tens of thousands of mortgage applicants that didn't end up getting funded during the third quarter. According to the most recent Mortgage Bankers Association report on profits, 72% of mortgage applications in the third quarter were funded by independent mortgage banks, known as the pull-through rate.Historical data from the MBA shows a huge variance in pull-through rates. In the fourth quarter of 2019, the rate checked in at 78%. Its low point over the last five years was 67%, in the first quarter of 2020. For the most part, the pull-through rate has hovered in the low 70s over the last five years.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:After 2020's IPOs, 2021 might be the year of MSRCFPB finalizes rules on qualifying mortgagesWhy 28% of mortgage applicants never close the loan

Today's HousingWire Daily episode features an exclusive interview with First American's Chief Economist Mark Fleming. In this episode, Fleming discusses his recent report that examines the U.S. housing market's lack of housing inventory and why he believes this historic housing supply shortage is likely to continue into 2021. Here is a small preview of today's interview with Fleming. The transcript below has been lightly edited for length and clarity:HW: As this is something we've been looking at closely, let's discuss housing supply, given how hot the housing market has been this year. Your report highlights that the average homeowner's tenure length is at an all-time high of 10.5 years. How does tenure length impact would-be homebuyers, and are there any other factors to be considered?Mark Fleming: The unfortunate truth is you can't buy what's not for sale. Supply inventory comes almost entirely from existing homeowners. If that existing homeowner chooses to stay in their home longer, the tenure length measures the amount of time people are not moving or selling their home. If there's nothing to sell, there's nothing to buy. Inventory is tight; tenure length is up, existing homeowners aren't bringing their homes to market, so the potential first-time homebuyer has a really hard time finding something to buy. That then plays into house prices and becomes significant bidding wars for what is for sale, which escalates prices. We have to remember that house prices result from the supply and demand dynamic, but not something else. They're a reflection of the imbalance. As the post's title suggests, The Big Short is a significant shortage and historic shortage in housing in the United States today.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:Increase in housing starts has construction playing catch-upBuilder confidence reaches 35-year high in NovemberMortgage rates fall to another record low at 2.71%

Today's HousingWire Daily features an exclusive interview with Redfin's Daryl Fairweather. In this episode, Daryl discusses why she believes the U.S. housing market is likely to withstand a wave of foreclosures once mortgage forbearance comes to an end.Here is a small preview of today's interview with Fairweather. The transcript below has been lightly edited for length and clarity:HousingWire: Alright, now I want to focus on Redfin's latest report, which focuses on the nation's forbearance and foreclosure activity. In the article, Redfin highlights that more than 3.3. million U.S. homeowners will be on the hook for delinquent payments when mortgage forbearance ends, and while some of them will contribute to a wave of foreclosures, most will be able to work with their lenders to either refinance their mortgage or sell to cash in on rising home values. Can you explain this more in detail for our listeners? Daryl Fairweather:  During the pandemic, we've had mortgage forbearance, which has been a really great option for people who are worried about a job loss or declining income. For many, not having a mortgage payment has been one less thing to worry about. While there's uncertainty about where the economy is headed not all of those who have chosen to defer their loans are going to end up in foreclosure. The good news for them is that home values have gone up quite a bit during the pandemic. In fact, they've risen over 6%, and most people have a lot of equity in their homes. These people have options. They can refinance their mortgages, which means they'll be able to refinance to lower interest rates, potentially even reducing their payments below what they were initially paying prior to the pandemic. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles related to this episode:·      Mortgage delinquencies expected to remain above pre-pandemic levels until 2022·      Here's why we won't see a housing crisis after COVID-19·      Pandemic may lead to foreclosure crisis, CoreLogic says·      Despite moratoria, foreclosures increase 20% in October 

In today's HousingWire Daily interview, Matt Tully, Sagent's vice president of agency affairs and chief compliance officer, discusses how a Biden administration will likely impact housing regulation. During the interview, Tully also explores what the overall change in government administration means for banks and lenders when it comes to housing.For some more background on what is discussed, here's a brief summary of a recent HousingWire article on The Office of the Comptroller of the Currency's recent announcement of its' appointment of two executives to the Executive Committee: Sydney Menefee has been selected to fill the senior deputy comptroller for Midsize and Community Bank Supervision on a permanent basis, and Greg Coleman will become the next senior deputy comptroller for Large Bank Supervision.Menefee, who has served as acting senior deputy comptroller for Midsize and Community Bank Supervision since June, will lead a team of 1,600 people in the supervision of more than 1,000 national banks and federal savings associations.Menefee's resume includes two years as deputy comptroller and chief accountant. Before that, she was a professional accounting fellow and held various roles within the OCC as part of the Office of the Chief Accountant and Midsize Bank Supervision. She was commissioned a national bank examiner in 2016. Coleman, who has been a deputy comptroller for Large Bank Supervision since 2015, will direct approximately 800 employees in overseeing the country's largest national banks and federal branches and agencies, which hold more than $10 trillion in total consolidated assets.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Industry gives mixed reviews of FHFA's Final Capital RuleColeman, Menefee selected to OCC executive committee

In today's HousingWire Daily episode, HW+ Managing Editor Brena Nath joins Magazine Editor Kelsey Ramirez to discuss the most compelling articles reported from the HousingWire newsroom. Brena and Kelsey review HousingWire Magazine's latest issue, which features several 2021 economic forecasts. The issue, which is part of HW+ Premium Content, also highlights what the HousingWire editorial team believes could happen for each sector of the housing industry in next year's market. For some background on the interview, here's a brief summary of a recent HousingWire article on the 2021 housing market forecast:Even prior to the pandemic, housing inventory had hit record lows, and the problem has only gotten worse as demand continues to rise. Total home sales are outpacing new listings by a wide margin every month, and real estate tech company Homesnap foresees the shortage continuing in 2021 unless more sellers enter the market.The divide between supply and demand is striking: compared to last year, total new listings increased .22%, while total sales increased 19.29%. Homesnap said this trend could further drain inventory as 2021 approaches.Home prices have risen as a result of the mismatch in homebuyer demand and housing inventory. The average list price for properties that sold rose 6.7% from September to October this year, which Homesnap said is significantly higher than the same figure in 2018 and 2019.As median home prices keep rising, homeowners who originally planned to sell within the next three to five years might list their homes sooner, Homesnap said, freeing up more inventory.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Even with low inventory, expect a strong 2021 housing market

In today's HousingWire Daily episode, John Pataky, TIAA Bank's executive vice president, discusses the nation's lack of housing inventory and how it's impacting homebuyer demand and home prices.For some background on the interview, here's a brief summary of HousingWire's coverage on the latest housing starts report:Single-family housing starts gained for the sixth consecutive month in October on an annualized pace not seen since April 2007, a Census Bureau report revealed.Housing starts overall rose 4.9% in October compared to September's pace and to a seasonally adjusted annual pace of 1.53 million starts – the highest since this February. That growth was mostly driven by single-family housing starts, which increased by 6.4% month-over-month – up 1.18 million annualized units. Multifamily starts were virtually unchanged from September's revised number.“We expect the paths of single-family and multifamily starts to continue to diverge in the coming months,” said Doug Duncan, Chief Economist at Fannie Mae. “Low-interest rates, a tight supply of existing homes for sale, and a trend towards purchasing homes in suburban areas have contributed to strong demand for new single-family homes. In contrast, we believe a suburban shift and other COVID-19-related dynamics are putting downward pressure on multifamily demand in many urban areas.”Duncan noted the pace of new home sales over the past six months has accelerated more quickly than the construction pace, suggesting home builders will have to play catch up relative to sales going forward.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Increase in housing starts has construction playing catch-up

This week, Frank Nothaft, the chief economist at CoreLogic, joins the Housing News Podcast to discuss how the housing market has fared in 2020.During the interview, Nothaft discusses how the COVID-19 pandemic has impacted the housing market's vitality as well as the economy. Notably, Nothaft also offers his market predictions for 2021.Here is a small preview of the interview with Frank Nothaft. The transcript below has been lightly edited for length and clarity:HW: Let's talk about CoreLogic's Forecast. What are you expecting for the first quarter and first half of 2021?Frank Nothaft: We're expecting mortgage rates to remain at record low levels, possibly well below 3%. I think that's going to be the case, not only at the start of the year but for most or all of 2021. That's going to be very important in stimulating home sales, and also refinance volume. However, I'm not expecting refinance volume in 2021 to hit the same numbers that we saw in 2020, but I think it's still going to be pretty strong. In fact, I actually expect refinance volume in 2021 to be more than it was in 2019. On the home sales market, we're actually expecting home sales to be up in 2021 compared to 2020. It will be because of new single-family construction and increases in existing home sales. Notably, over the last several months, we've had an acute shortage of existing homes for sale in the United States. Part of that acute shortage of inventory for sale is directly related to the pandemic.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.

Today's HousingWire Daily features an exclusive interview with Forbes reporters David Jeans and Noah Kirsch. The pair join Mortgage Editor James Kleimann to discuss their recent article published at the end of November, titled “Mortgages, Fraud Claims and ‘Dumb Dolphins.'” The article dives into Better.com CEO Vishal Garg's controversial workplace culture and how he leads the $4 billion fintech startup that's preparing for IPO in 2021.Here is a snippet that sums of the interview with Jeans and Kirsch. The transcript below has been lightly edited for length and clarity:Noah Kirsch: I think it's important for readers or listeners to understand that our story really is two-pronged. One is that on the top layer, you have a really successful CEO leading a really successful company who's gotten a ton of positive press. And then our story is really about what's happening beneath the surface. And part of it is about the tangle of lawsuits from many different high-profile parties that have followed Vishal for a long time. The other element is what is it actually like to work for [Vishal]. In some cases, some say that it's worth it, and in some cases, some say that it was a pretty horrifying place to work. I think that's the summary.For background on Better.com, it was founded in 2016 and is a digital homeownership company whose services included mortgage, real estate, title and homeowners insurance. To date, Better.com has funded $25 in home loans and provided over $7 in cumulative coverage through Better Cover and Better Settlement Services.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Better.com, valued at $4B, prepares for IPO in 2021

Today's HousingWire Daily episode features an interview with HousingWire Lead Analyst Logan Mohtashami. In this episode, Mohtashami discusses his recent article that focuses on rapid home-price growth in the 2020 housing market and delves into factors that he believes could be driving home prices up. For some background on the story and how COVID-19 has impacted the housing market, here's a snippet of the article: Demand for housing was strong in early 2020, before the COVID-19 crisis hit. Mandated shut-down measures and the fear of what COVID would do to our economy temporarily immobilized the housing market, evinced by nine weeks of declines in the weekly purchase applications data on a year-over-year basis. Then it was as if the Housing Demographic God exerted her chronokinetic powers to snap demand back to pre-COVID levels of growth. The frozen market thawed and resumed its steady pace of growth, even making up for lost time. Instead of a housing crash, as many others predicted would be the lasting consequence of shut-down policies and massive job losses across the nation, the opposite happened as the 2020 U.S. housing market has been the most out-performing economic sector in the world.However, we now have another issue to worry about — that home prices will accelerate too quickly, unrestrained by an increase in mortgage rates. HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:The downside of the hot 2020 housing market: rapid home-price growthThe housing market is hot, but not in a bubble

In today's HousingWire Daily episode HW+ Managing Editor Brena Nath joins HousingWire Editor in Chief Sarah Wheeler to discuss the most compelling articles reported from the HousingWire newsroom. Brena and Sarah review the announcement that conforming loan limits for Fannie Mae and Freddie Mac are now expected to rise, and examine what record low mortgage rates and recent forbearance numbers could mean for the housing market.For more background on what is discussed, here is a preview of today's interview. The transcript below has been lightly edited for length:Q: What other pieces of news should we be watching out for right now?Sarah Wheeler: Even though it was a holiday, Black Knight put out their recent forbearance numbers on Friday and notably, the Mortgage Bankers Association is expected to do the same soon. Black Knight's recent numbers do show a small uptick, but just week over week and  the forbearance numbers we can see right now are still really good. That's great news for all of us. Nobody wants to see a big uptick in forbearances, but also, it just feels like a lot of the people who are in forbearance now have extensions. Those are some things that we're looking at. We're also looking at delinquencies and seeing how its progressing. It's worth mentioning, we have seen an uptick in the amount of interest in distressed properties, which are vacant properties that were probably foreclosed on before COVID-19. We're discovering some really interesting things on that, but forbearance is something we're going to be examining from here until this time next year or longer. Currently, HousingWire has a forbearance FAQ that we've done in coordination with Freddie Mac. It's just to give our industry and consumers information because we still see people coming out of forbearance who have never talked to their servicer. I mean, there's just no reason for that, and that may not be the best move. I think forbearance is always going to be something we're looking at.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Fannie, Freddie conforming loan limits increase for 2021Demand for distressed housing returningWhat is mortgage forbearance? Here's everything you need to know

Today's HousingWire Daily features an interview with Zillow Economist Matthew Speakman. In this episode, Speakman discusses Zillow's recent report that indicates strong homebuyer demand drove home sales in October.Here is a small preview of today's interview with Speakman. The transcript below has been lightly edited for length and clarity:Q: I want to start by discussing Zillow's recent report that states existing home sales continued to surge in October on the strength of buyer demand. The report, which uses data from the National Association of Realtors, indicates existing home sales rose to 6.85 million in October, climbing 4.3% from September and 26.6% from a year ago. What does this tell us about the current state of the housing market?Matthew Speakman: It's pretty remarkable. It's another strong stretch of reports on the housing market. The report says it's the strongest annual growth in more than a decade and the best pace in overall existing sales since before the Great Recession. Again, it's a reiteration that housing market activity is really strong and healthy. There is elevated buyer demand and market competition for the few homes listed on the market. Mortgage rates and other factors have enabled some people to take the leap into the housing market and offered more attractive buying conditions. Overall, it's just an emphasis that the housing market has fared really well throughout the pandemic, and that continues into the fall.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Mortgage rates break record again, down to 2.72%Existing home sales increase for the fifth month in a row

In today's HousingWire Daily episode, Mike Fratantoni, the Mortgage Bankers Association's chief economist, discusses the MBAs Mortgage Forecast, which includes revised estimates for the third and fourth quarter of 2020, as well as predictions for next year's purchase market.For some background on the interview, here's a brief summary of HousingWire's coverage on MBA's predictions:The Mortgage Bankers Association on Tuesday released revised estimates for the third and fourth quarter of 2020 and predicted record purchase volume for 2021. Although the MBA expects decreased refinancings in 2021 and a decline in overall origination to around $2.56 trillion, that would still be the second-highest origination total in the last 15 years.The rebounding economy is likely to mean higher mortgage rates, with the MBA forecasting 2.9% by the end of 2020, rising to 3.3% by Q4 2021.The MBA is forecasting a rise in purchase originations to $1.59 trillion, which would break the previous record of $1.51 trillion set in 2005. However, the MBA sees refinances decreasing to $971 billion.“The housing market has seen a meaningful rebound since the onset of the pandemic,” said Mike Fratantoni, MBA chief economist. “Record-low mortgage rates have led to a surge in orrower demand for refinances and home purchases.”For 2020, the MBA is estimating $3.39 trillion in mortgage originations – the highest since 2003 and a 50% increase from 2019.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:MBA predicts record purchase mortgage volume in 2021Mortgage forbearance rate falls 20 basis points to 5.47%

In today's HousingWire Daily episode Digital Producer Alcynna Lloyd joins HousingWire Editor in Chief Sarah Wheeler to discuss David Stevens' recent article that examines what the housing market could look like in a Biden administration. The pair also review the Federal Housing Finance Agency's Final Capital Rule and explore what it means for the GSEs.For some background on the interview, here's a brief summary of Stevens' recent article that addresses who Biden is likely to appoint for key positions:We are now under 60 days remaining until we have President Biden and Vice President Harris leading a new administration in D.C. Beyond any political views of the election and the ensuing drama, industry is asking: What will a Biden regime mean to housing and mortgages? How should we think about regulation, the GSEs, HUD and more?Here are a few thoughts to consider as to what the next four years may look like.In a general sense, Democratic regimes tend to be more bullish for government support to housing, while Republican ones are more bullish for lowering the aggressiveness of regulators and oversight. While not a universal truth, we can all remember the eight years under President Obama and the impact of a new, aggressive, regulator tasked under congressional legal mandate to implement the required rules set forth in Dodd Frank.Those were challenging years, and while the implementation was hard and every rule has imperfections, today we are past those statutory obligations as all the rules required are now in place. For that reason, I do not expect the aggressive regulatory posture overseeing mortgage lenders to be like it was under Obama.The HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:Here's what to expect from a Biden administration regarding housingFHFA issues Final Capital Rule for Fannie, FreddieWhat a Biden victory would mean for housing

Today's HousingWire Daily features an exclusive interview with Bankrate's Senior Vice president and Chief Financial Analyst Greg McBride. In this episode, McBride discusses Bankrate's recent survey on refinancing appetite and explains why many homeowners have not considered refinancing their homes. Here is a small preview of today's interview with McBride. The transcript below has been lightly edited for length and clarity:Q: According to the survey, 52% of homeowners have not considered refinancing their homes. That's a pretty high percentage. Can you explain some of the top reasons they haven't?Greg McBride: That's a very high percentage considering this has been a year of record-low mortgage rates. There are really three reasons that people point to; one is they feel it's not going to save them enough money, second, is they say that the fees or closing costs are too high and the third most common is paperwork. They say there is too much paperwork and hassle involved in the refinancing process.Q: Let's discuss the recently introduced refi fee that will be implemented on December 1. Bankrate's survey determined this fee is now impacting whether or not homeowners are choosing to refinance. Can you expand on this for our listeners?Greg McBride: There's definitely a big outrage factor as far as this fee is concerned. We found that 57% of those who haven't refinanced this year claimed the fee is why they would not refinance, including 42% who said they're much less likely to refinance as a result of the fee. We've seen most lenders reflect this in pricing by tacking on about an eighth of a percentage point to the rate. It's not something that's necessarily going to have to be paid out of pocket via a fee, it's already reflected in pricing. And that pricing is such that we're still seeing record low rates. Yes, it's out there, but it doesn't dilute the benefit of refinancing, given how low rates are today.HousingWire Daily examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.HousingWire articles covered in this episode:FHFA delays refinance fee start date to Dec. 1Mortgage rates break record again, down to 2.72%

In today's HousingWire Daily interview, features Tendayi Kapfidze, LendingTree's chief economist, discusses how the COVID-19 pandemic has altered the nation's home buying trends.Here is a small preview of the interview with Kapfidze. The transcript below has been lightly edited for length and clarity.Q: The COVID-19 pandemic has left millions of Americans financially strained as unemployment rates have climbed and job markets have shrunken. What are some impacts you've been following?Tendayi Kapfidze: Around 40 million or so Americans lost their jobs or had a negative shock to their income, and as of the most recent data, there are around 20 million Americans who are still receiving some form of income support in terms of the various unemployment benefits that are out there. So, a lot of Americans are really under a significant financial strain. And, for many who had hoped their jobs would be coming back after a few months, that's not turning out to be the case. A lot of the job losses that we saw in March, April and May, are what are called temporary job losses, which means that the person who loses their job expects to get their job back within, say, six months or so. Now, even though we're seeing fewer job losses, a lot of those original jobs didn't come back and people that are losing jobs now are enduring what is called permanent job losses. So, we've seen a transition from temporary to permanent job losses. And that means a weak economy, going forward.Q: According to LendingTree, 46% of those who responded to its survey indicated they were thinking about relocating within the next year. Of this total, 27% said they wanted to move to a new place in their current market, while 12% said they wanted to move to another city and 8% said they wanted to move to a new state entirely. Why are some homebuyers either choosing to remain at home or relocate to a different market?Tendayi Kapfidze: There are a variety of reasons. For some, it's now realizing that maybe they need more space at home, especially if they're working from home and their kids are in remote school. The home may not offer enough space for everybody to do their work without interruptions from the rest of the family.A lot of home buyers or home seekers, even people who are renting are looking for more space for activities they're not doing at home. I think even after this health crisis is over, a lot of these work from home policies are going to remain. So, you know, it's a long-run view that people are probably going to need more space at home.The Daily Download examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd and Victoria Wickham.