Many homeowners are leaning on buy now, pay later products to manage their cash flows, according to a new report from JPMorgan Chase.

The real estate brokerage adjusted the fee model for its Motto Mortgage business and cut off a number of partners.

ECGI plans to test tokenization of residential mortgages with up to $10 million of collateral.

Lenders that focus on non-qualified mortgages are optimistic that originations will continue to increase this year.

Across every demographic, Americans want to be homeowners, but there are numerous barriers to getting there, with rising inflation, mortgage rates, home prices and even increasing rents.

Only 17% of voters recently surveyed by the National Association of Realtors believe it’s a good time to buy a home.

Bank and thrift holdings of ARMs increased from the end of September to the end of December.

Holdings of first-lien mortgages at commercial banks and savings institutions increased just 0.3% from the end of the third quarter to the fourth. All of the increase was driven by a 14.6% jump in holding of adjustable-rate mortgages. (Includes data table.)

Though the value of bitcoin has dropped sharply in recent months, mortgage lenders allowing borrowers to use the crypto holding to qualify for home purchases are bullish on the product.

The $391.3 million non-qualified mortgage securitization received preliminary AAA ratings from three firms. The REIT had been selling the production primarily as whole loans until now.