While the mortgage industry lobbies to reduce credit report costs, the idea of allowing borrowers to use the same file across multiple lenders has slowly emerged. In this consumer-controlled portable credit report model, borrowers would authorize the use of a single credit report during their mortga

Today was a victory for mortgage rates, but not nearly as much of a victory as the underlying bond market would suggest. The good news is that the end result is the lowest average 30yr fixed rate in just over a month.  The other news isn't bad, per se, but it is a bit confusing.  As we oft

Virginia Gov. Abigail Spanberger left in limbo legislation that would let faith-based organizations build affordable housing on their land without rezoning. Instead of vetoing or signing the Faith in Housing Act, Spanberger recommended changes. The recommendations keep the bill’s core intact but mak