The Pulse with Greg Sher & Jennifer McGuinness

Does failing to qualify for a mortgage automatically mean you can't afford homeownership? Not necessarily.

And that's exactly the conversation we're having next on The Pulse.

Jennifer McGuinness-Lubbert & I are going to examine the gap between what borrowers demonstrate through years of consistent rental payments and what traditional mortgage underwriting requires.

From DTI and credit scoring to verified cash flow, rental history, and the true costs of ownership, we're asking some important questions: Are we measuring financial capacity correctly? Are existing underwriting tools being fully utilized? And what would a more practical, responsible path to homeownership look like?

We're gonna get into it and more next Tuesday at 1PM ET. Hope you can join us.

FHFA Director Bill Pulte announced that VantageScore® and FICO will soon be using the same LLPA grip - no more allowance for the lesser known challenger.

What does this all mean to the market and FICO?

*Released on Tuesday, Sep 15

Could housing help swing the midterms?

With affordability, mortgage rates and the cost of homeownership continuing to weigh on Americans, housing could become an increasingly important factor heading into the midterm elections.

On Episode 5 of The Pulse, Jennifer & I will break down the mortgage and real estate finance moves the administration could make, and whether they could have a meaningful impact on voters and ultimately the outcome of the midterms.

What could actually move the needle? And how much influence can housing policy really have at the ballot box?

This week on The Pulse, Jennifer & I are cut through the noise on three major stories shaping the mortgage industry:

1. Better: Genius Visionary or Fiduciary Failure?
Better’s numbers were finally improving. Did the board push Vishal Garg out just as his strategy was starting to work, or was it simply too little, too late?

2. UWM: On Its Way Out…or Reloading?
A $451M loss and a suspended dividend vs. $39.7B in quarterly originations and a $2.05B lifeline from Oaktree. Is UWM in trouble, or positioning itself to dominate wholesale when the market turns?

3. Non-QM Breaks 10% Market Share
DSCR and bank statement loans are surging as conventional lending loses ground. Is Non-QM the lifeline loan officers need, or a growing credit risk the industry should be watching?

The Pulse: Less noise. More of what’s actually moving housing.

Jennifer McGuinness-Lubbert and I are back next Tuesday breaking down three stories that could have lasting implications for the mortgage industry—not just next quarter, but for years to come.

This week's conversation:
• UWM's capital infusion from Oaktree
• loanDepot and NEXA's latest move
• Should second-lien HELOCs still have a place in today's market?

Join us next Tuesday at 1PM EST as we separate the noise from the signal.

We’re back this Tuesday.

On The Pulse, Jennifer McGuinness-Lubbert & I look beyond the headlines, separate signal from noise, and unpack the stories that could shape the future of housing.

This week:

• Should the industry be calling for a recession? Jen and I don’t agree on this one…
• Are income-based underwriting requirements broken?
• What should the Fed be prioritizing with their task forces?

Join us Tuesday at 1 PM EST.

The wait is over.

The Pulse launches today.

Jennifer McGuinness and I are bringing you the reality behind the headlines—the context, the trends, and the insights shaping where we are today and where housing goes next!

Join us for the premiere.