Higher Scores. Lower Costs. More Questions.
Borrower savings, lender flexibility and new risk questions. See what's behind the latest shake-up in mortgage credit scoring. Read More
Who Can Hold the World’s Mortgage Credit Risk?
Greetings from Dublin, Ireland, where the Guinness is stout, the welcome warm, the weather damp and financial services regulators are divided on the answer to a simple question: “Who is allowed to hold transferred mortgage credit risk?” Read More
Gen Z’s Housing War
The “generational housing war” has become one of the loudest, least-informed debates in American life. Notably, most of the numbers fueling it don't mean what people think they mean. Read More
The $65 Billion Tax Break That Changed Everything for Homebuyers
A 2025 tax code change is helping to make homebuying more affordable, as it restores a deduction that averaged $2,364 per eligible homeowner. Learn how your homebuyers can benefit from this $65 billion tax incentive, starting with federal taxes due April 15, 2027. Read More
The Other CRT
With policymakers considering the release of Fannie Mae and Freddie Mac from conservatorship, deciding who takes on mortgage credit losses is more crucial than ever. CRT has quietly been the go-to solution for over a decade. Read More
Which Homebuying Cost Has Quietly Become MORE Affordable?
While home prices, utility costs and property taxes continue to rise, private mortgage insurance (MI) has moved in the opposite direction, becoming significantly less expensive in recent years. This shift makes it even easier to position MI — and the lower down payments it provides makes possible — as a flexible, practical option for today’s buyers. Read More
The Obvious Is Becoming a Housing Problem We Can’t Ignore
The latest entry, the California Policy Lab finding that people who leave California locate cheaper housing, inspired us to look at similarly “shocking” conclusions. Read More
PolicyCast Live Replay: Why Natural Disasters Are Changing Housing
John Rogers, Chief Data & Analytics Officer at Cotality, joins host and Capital Commentary author Kirk Willison, SVP of Global Public Affairs at Arch MI, to discuss the challenges for lenders in 2026. Read More
Pro vs. Anti-Investor Ban
The comprehensive housing bill is progressing in Congress, but the portion restricting investors remains uncertain. This issue of Capital Commentary dives into the pros and cons of an institutional investor limit. Read More
Tough File, Tight Timeline: Ask Arch MI for Clarity Now
Today’s loans often raise multifaceted questions. ASK Arch MI provides lenders with clear, scenario specific underwriting guidance, fast responses from MI experts and practical direction that helps approvals stay on track without delays. Read More