Non-QM, DSCR, Automatic QC Tools; Hedging a Pipeline is Difficult at Best With Tariff Changes; DC Report

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“Over the course of 18 years, it costs over $235,000 for parents to raise a child… and that’s just for the alcohol.” Here in Dallas, plenty of people aren’t drinking, and instead they are wondering what isn’t being discussed in the capital markets. Well, here’s something to ruminate on: “How China Can Crush the U.S. Housing Market.” The article describes how China (and other countries) could unload over $1 trillion of Agency MBS. Supply and demand would suggest prices would drop and rates would go up. Let’s hope that the odds are slim. The odds are better that originators will find some valuable information in the 2025 Home Buyer Report. And lenders are always interested in who’s moving where. In 2024, 13.7 percent of homebuyers using LendingTree explored purchasing property outside their home state. South Carolina, Maine, and Delaware attracted the most out-of-state interest, while California, New York, and Massachusetts saw the least. Florida, Texas, and Washington were the top destinations for out-of-state buyers, likely influenced by their lack of state income tax. Meanwhile, residents of Alaska, Hawaii, and Rhode Island were most likely to look elsewhere, while Texans, Michiganders, and Wisconsinites were the most inclined to stay put. (Today’s podcast can be found here and this week’s is sponsored by Figure. Figure is shaking up the lending world with its five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Lenders, give your borrowers an experience they will rave about. On today’s hear an interview with Figure’s Anthony Stratis on what’s driving lender demand for embedded tech, how rising tariffs are impacting the HELOC market, and get a sneak peek at what’s next: from debt paydown tools to first lien and DSCR expansion.)

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