10 Welcoming Kitchen Breakfast Nooks (10 photos)

A cozy breakfast nook can make a kitchen feel more welcoming while adding practical function. Whether it’s a sunny spot for morning coffee, homework, family game night or casual meals, these inviting spaces create room to gather without getting in the cook’s way. The 10 kitchens below...

Lenders urged to solve business problems before adopting AI

Mortgage lenders that adopt artificial intelligence should focus first on the business problems they’re trying to solve rather than chasing the latest technology, according to panelists who spoke Tuesday at HousingWire’s AI Summit. Amanda Tucker, chief risk and compliance officer at Atlantic Bay Mortgage Group, and Michael Crockett, chief operating officer at Xactus, said the growing number of AI...

Small businesses shun retirement plans over cost, complexity fears

Only about half of U.S. private-sector workers participate in an employer-sponsored retirement plan at any given time — a gap driven almost entirely by small employers, according to new research from the Center for Retirement Research at Boston College. While more than 90% of larger employers offer retirement plans, just 49% of firms with fewer than 50 employees do so. Small businesses account for the...

Mortgage insurers face larger safety net rule for VantageScore 4.0

Mortgage insurers will be required to keep a larger safety net for mortgages originated using VantageScore 4.0 than for comparable loans using Classic FICO, according to new guidance from the government-sponsored enterprises (GSEs). In late July, Fannie Mae and Freddie Mac published a new grid for their Private Mortgage Insurer Eligibility Requirements (PMIERs) that, for the first time, includes...

Epique Realty CEO Josh Miller offers 3-point fix for agent tech adoption

Josh Miller, CEO and co-founder of Epique Realty, told attendees at Tuesday’s HousingWire AI Summit that the real estate industry’s most expensive technology investments are often the least used. He offered a three-part prescription to solve the problem. Brokerages spend thousands of dollars on tools their agents refuse to adopt, and the solution lies not in building more technology but in aligning...

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