Guild pushes GSEs to scale residual income analysis
Guild Mortgage is advocating for Fannie Mae and Freddie Mac to adopt residual income analysis at scale through ongoing conversations and data sharing. The California-based lender has used this model since 2022 in its “Complete Rate Program” that’s available for government loans. Because Guild retain
Veteran housing policy needs a preservation strategy
America has made a promise to its veterans. Their service will be honored not just in words, but in how they live long after they return home. Yet much of the national conversation around veteran housing remains focused on homelessness and affordability, while less attention is paid to whether aging
Continuity is becoming the new competitive advantage in homebuilder sales
For decades, the homebuying journey followed a relatively predictable path. Buyers would visit communities, meet with sales representatives to gather information and gradually move toward a purchase decision. Today, that process looks dramatically different. Modern homebuyers move fluidly between we
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