Point

Lower home sale returns are reshaping borrower equity, concessions, and transaction stability across U.S. markets

Digital home equity rollout and national real estate network signal a broader push to capture post-close relationships as refinance volume remains constrained

New statute reclassifies shared appreciation agreements as mortgages, signaling broader compliance, disclosure, and investor risk shifts for lenders

Platform rollout targets wider eligibility, improved pricing, and stronger broker economics as HELOC competition intensifies

Second-lien strategies and Non-QM products are helping originators unlock equity without forcing borrowers out of low-rate first mortgages

New HomeSafe second line of credit targets equity-rich homeowners seeking access to cash without refinancing into higher rates or taking on monthly payments