Heather Zeller, Author at RiskWire, powered by Veros

Why Mortgage Servicing Strategies Must Move Beyond Delinquency Reports

The mortgage industry is shifting from the “rate lock” era into a phase called the Default Drift. As equity buffers thin and insurance costs spike, static delinquency reports are no longer enough. Learn how proactive collateral monitoring and new compliance rules are essential for managing Mortgage Servicing Rights (MSRs) in a stagnant 2026 housing market.

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Quantifying the True Cost of the Golden Handcuffs

Housing Market

The 15-year mortgage is making a comeback as financially disciplined homeowners look to reduce debt faster. Lenders and risk managers should note this trend, which can lower credit risk but bring portfolio management challenges. While not for every borrower, the shorter-term loan signals strategic financial planning in today’s market.

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Looking at the Return of the 15-Year Mortgage

Housing Market

Looking at the Return of the 15-Year Mortgage Read More »

The Resurgence of Multigenerational Living is Reshaping the U.S. Real Estate Market

Editors Pick, Housing Market, Local Markets

Multigenerational living is making a strong comeback in the U.S., driven by affordability challenges, elder care needs, and evolving family dynamics—reshaping both home designs and property values.

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Beyond the Coasts: Midwest Markets Gain Investor Attention

Editors Pick, Housing Market, Local Markets

Coastal cities are not the only locations worth watching in 2025. With affordability, growth, and resilience on their side, Midwest real estate markets like Detroit, St. Louis, and Cleveland are becoming smart plays for investors looking for stability and long-term gains.

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image of office conversion to residential loft

Concrete Jungles to Cozy Homes: Office Conversions Reshaping Urban Living

2025 Short-Term Rental Market: Overcoming Competition & Adapting to New Trends

Housing Market

The 2025 short-term rental market is evolving fast. Remember the boom years? Well, the rapid expansion of STR supply is now hitting the brakes. Learn how STR operators can stay competitive by embracing tech, adjusting to new regulations, and elevating the guest experience.

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How Property Taxes Shape Home Values and Affordability

Housing Market, Local Markets

Property taxes significantly influence home values. Assessed values, tax rates, and local levies affect affordability and investment returns. Lenders and buyers consider these factors, impacting market demand and financial stability. Understanding tax implications is crucial for informed real estate decisions.

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Image shows Denver metro area residential area panorama

2025 Colorado Housing Market: Opportunity or Obstacle Course?

Housing Market, Local Markets

Colorado’s 2025 housing market presents a mix of opportunity and challenge. While increased inventory and moderating price growth offer promise, affordability, wildfire risk, and regional variations require careful consideration. This article examines the key trends shaping the market and provides insights for buyers and sellers.

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The Impact of Interest Rates on Real Estate Valuations

Housing Market

Rising interest rates have reshaped real estate valuations, influencing affordability, investor returns, and market stability. As we journey into 2025, understanding how high mortgage rates impact home prices, demand, and future property values is crucial for lenders, investors, and homeowners.

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Heather Zeller

Why Mortgage Servicing Strategies Must Move Beyond Delinquency Reports

Quantifying the True Cost of the Golden Handcuffs

Looking at the Return of the 15-Year Mortgage

The Resurgence of Multigenerational Living is Reshaping the U.S. Real Estate Market

Beyond the Coasts: Midwest Markets Gain Investor Attention

Concrete Jungles to Cozy Homes: Office Conversions Reshaping Urban Living

2025 Short-Term Rental Market: Overcoming Competition & Adapting to New Trends

How Property Taxes Shape Home Values and Affordability

2025 Colorado Housing Market: Opportunity or Obstacle Course?

The Impact of Interest Rates on Real Estate Valuations

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