Flávia Nunes

New York

Mortgage Reporter at HousingWire

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Articles

Fed holds rates steady amid inflation concerns, resilient job market

1 week ago | housingwire.com | Flávia Nunes

While the labor market remains stable and there are signs of easing price pressures, year-over-year inflation is above the 2% target. The economic impact of recent trade policies also remains uncertain. Although President Donald Trump has repeatedly pressured Fed Chair Jerome Powell to cut rates, Powell has reiterated that risks to both employment and inflation are rising. “The unemployment rate remains low, and labor market conditions remain solid.
Bayview to buy Guild for $1.3B in cash, taking lender private

1 week ago | housingwire.com | Flávia Nunes

The deal will result in Guild exiting the public markets and becoming a private entity, operating independently but in partnership with Bayview’s servicing company, Lakeview Loan Servicing. The company’s talks became public in late May. Guild’s shares were trading at $15.72 prior to the deal announcement but are now approaching $20, the amount shareholders will receive in cash for each share they hold.
Rithm closes non-QM securitization, issues $500M debt offering

1 week ago | housingwire.com | Flávia Nunes

Rithm Capital announced this week the closing of a $504 million securitization backed by nonqualified mortgages (non-QMs) serviced by its subsidiary Newrez, along with the issuance of $500 million in debt. In 2025, Rithm closed three securitizations of non-QM loans — a product that has gained popularity amid a challenging mortgage market. Non-QM loans are for borrowers who do not have traditional income sources, such as self-employed individuals, freelancers and gig workers.
GSE privatization effort must navigate 'race to the bottom'

1 week ago | housingwire.com | Flávia Nunes

“After 16 years of limbo, the time has come to move beyond conservatorship with a transparent, thoughtful and nonpartisan plan that addresses the remaining systemic flaws while preserving the vital mission of ensuring access to mortgage credit across the country,” David Dworkin, the NHC’s president and CEO, said in a statement.
MBA, FHFA explore single credit report for mortgages

2 weeks ago | housingwire.com | Flávia Nunes

Bob Broeksmit, president and CEO of the MBA, wrote in a blog post on Friday that the trade group has “begun studying the feasibility” of such a move. The trade group is “engaging with the Trump administration, and specifically FHFA, to conduct the assessments needed to reform this process and align with the rest of the consumer finance market.”The proposal comes amid rising credit report costs.
How midsize lenders are surviving the mortgage squeeze

2 weeks ago | housingwire.com | Flávia Nunes

“When we started Kind Lending, we had margins of 450 basis points, which went to 40 in April 2020,” Stearns said. “We got started in a very hostile environment, so we had to be efficient from the start of our company. We didn’t have the same ability to lean on servicing that everybody had from the last cycle.
Senate unanimously passes trigger leads bill

2 weeks ago | housingwire.com | Flávia Nunes

The Senate action follows the House Financial Services Committee’s approval of a similar bill (H.R. 2808) earlier this week. That version is now headed to the House floor for a vote. Both bills would prohibit companies from making credit offers via phone, email, text, or mail unless the consumer has provided explicit consent, or the offer comes from their mortgage originator, servicer, depository institution or credit union with an existing relationship.
REIT Chimera to acquire HomeXpress, expand into non-QM

2 weeks ago | housingwire.com | Flávia Nunes

The company, which works in the wholesale and correspondent channels, funded $2.5 billion in unpaid principal balance in 2024 and $1.2 billion from January through May 2025. It expects to reach $3.5 billion in volume by the end of this year.
Fairway makes a deal to acquire Hallmark Home Mortgage

2 weeks ago | housingwire.com | Flávia Nunes

Jacobson and Sturges worked together at Waterfield Mortgage “decades ago and have remained industry acquaintances ever since,” Jacobson said in a statement. The acquisition brings a smaller but regionally focused team into Fairway’s fold. Hallmark had 45 sponsored loan officers and 19 active branches as of Wednesday, per Nationwide Multistate Licensing System (NMLS) data. Fairway, by comparison, had 2,474 LOs and 604 branches nationwide.
UWM revives 1% down payment program

2 weeks ago | housingwire.com | Flávia Nunes

This time, however, UWM is increasing its contribution cap — from up to $4,000 in its previous version of the program to a new maximum of $7,000. In practice, UWM will contribute the lesser of 2% of the home’s value or $7,000, while the borrower covers the remaining 1% or any shortfall if UWM’s 2% contribution exceeds the cap.