#hard-money-financing

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from24/7 Wall St.
1 day ago

How Income Investors Are Using HYBL to Dodge Interest Rate Risk in 2026

HYBL attempts to solve the income problem by combining senior loans, high-yield corporate bonds, and debt tranches from U.S. collateralized loan obligations (CLOs). The result is a portfolio with lower duration and lower volatility compared to traditional high-yield funds, while still targeting high current income with monthly distributions.
Business
Cryptocurrency
fromnews.bitcoin.com
1 day ago

ViaBTC Showcases Collateral-Pledged Loan Solutions to Navigate Diverse Market Conditions

ViaBTC offers a collateral-pledged loan service to help miners maintain operations during bear markets without selling their cryptocurrencies.
SF real estate
fromwww.housingwire.com
2 days ago

Finance of America launches new reverse mortgage line of credit

HomeSafe Second Line of Credit offers a nonrevolving reverse mortgage option for accessing home equity without new monthly payments.
fromTNW | Fintech-Ecommerce
3 days ago

Credibur hits 2B in debt facility volume on its private credit infrastructure platform

Credibur has connected clients managing €2 billion in structured debt portfolios to its continuous monitoring and reconciliation platform, achieving this milestone six months after its pre-seed funding.
Venture
#401k
Intellectual property law
fromAxios
4 days ago

Private equity's next step into 401(k)s

The final rule emphasizes a rules-based framework for 401(k) investments without endorsing specific asset classes like private equity or crypto.
Retirement
from24/7 Wall St.
6 days ago

Why Doctors Are Moving Money Out of Their 401(k)s and Into This Instead

RMDs from a traditional 401(k) can lead to high effective tax rates for high-income earners, especially physicians.
Intellectual property law
fromAxios
4 days ago

Private equity's next step into 401(k)s

The final rule emphasizes a rules-based framework for 401(k) investments without endorsing specific asset classes like private equity or crypto.
Retirement
from24/7 Wall St.
6 days ago

Why Doctors Are Moving Money Out of Their 401(k)s and Into This Instead

RMDs from a traditional 401(k) can lead to high effective tax rates for high-income earners, especially physicians.
fromwww.housingwire.com
2 days ago

Mortgage lenders ramp up homebuilder divisions

Ginsburg stated that treating builder business as a core pillar rather than a side channel reflects a broader industry shift. He believes a healthy balance of builders should be around 15% to 20% of the overall retail book of business.
Real estate
from24/7 Wall St.
2 days ago

JPMorgan's Short-Duration JPIE Earned 15.24% Since Inception While the Bond Market Cratered

JPMorgan Income ETF has delivered over 50 consecutive monthly distributions since its October 2021 inception, providing stability that is the entire point of the investment strategy.
Business
#private-credit
Fundraising
fromBusiness Insider
2 months ago

There's a lot of private-credit money chasing the biggest deals. This $7 billion manager is going after 'funkier stuff.'

Large asset managers are deploying huge capital into private credit, crowding core direct lending and compressing returns while smaller niche deals retain spreads.
Business
fromFortune
1 month ago

In the $3 trillion private credit market, the 'shadow default' rate is increasing as more money chases lower-quality deals | Fortune

Private credit market enterprise value rose while debt quality weakened: slower Ebitda growth, higher leverage, increased shadow defaults, and lower investor yields.
Business
from24/7 Wall St.
1 week ago

Private Credit Could Crush the Stock Market: 5 Financial Dividend Giants With Zero Exposure

Private credit poses significant risks due to leverage and debt, with potential liquidity mismatches exacerbating financial instability.
Information security
fromBusiness Insider
4 weeks ago

Here's how private credit bosses are defending their software bets as markets scrutinize Blue Owl

Private credit firms face a reputational crisis over software loan exposure as AI threatens software-as-a-service companies, with Blue Owl experiencing record redemptions and industry leaders defending their portfolios.
Business
fromwww.businessinsider.com
1 week ago

Ares is the latest private credit player to limit withdrawals after investors ask to redeem their money

Ares Strategic Income Fund limits investor withdrawals to 5% amid a surge in redemption requests, reflecting broader concerns in the private credit market.
fromBusiness Insider
2 months ago
Fundraising

There's a lot of private-credit money chasing the biggest deals. This $7 billion manager is going after 'funkier stuff.'

fromFortune
1 month ago
Business

In the $3 trillion private credit market, the 'shadow default' rate is increasing as more money chases lower-quality deals | Fortune

SF real estate
fromwww.housingwire.com
5 days ago

C2 Financial's Urwin on reverse mortgage broker-lender evolution

New lender agreements are enhancing broker protections, but the reverse mortgage market must attract new borrowers beyond refinances.
#private-equity
fromFortune
1 month ago
Business

Private equity's playbook to shake off the zombies: meet the continuation vehicle | Fortune

Business
from24/7 Wall St.
3 days ago

What Makes a Perfect LBO Target: These 4 Stocks Fit the Profile Right Now

Private equity firms seek LBO targets with predictable cash flow, depressed valuations, and operational improvement potential.
fromFortune
1 month ago
Business

Private equity's playbook to shake off the zombies: meet the continuation vehicle | Fortune

NYC real estate
fromThe Daily Upside
2 weeks ago

How Advisors Are Finding Opportunities in Private Real Estate Right Now

Commercial real estate values remain 17% below 2022 peaks due to pandemic office vacancies and interest rate increases, presenting potential buying opportunities despite sector skepticism and illiquidity concerns.
Real estate
fromIndependent
1 week ago

Your money questions: Is it possible to switch my mortgage from the bank to a local credit union?

Switching mortgages to credit unions is increasingly common as members seek local financial management and competitive interest rates.
Business
from24/7 Wall St.
1 week ago

Can Applied Digital Get Out From Under Its Debt Overhang?

Applied Digital's financial structure and growing debt will be critical topics in the upcoming fiscal Q3 2026 results announcement.
#mortgage
fromIndependent
1 week ago
Retirement

Investing or overpaying a mortgage - which is the best use of 10,000??????????????????????

Paying off a mortgage early may not be the best use of spare cash.
Real estate
fromwww.housingwire.com
2 weeks ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
Retirement
fromIndependent
1 week ago

Investing or overpaying a mortgage - which is the best use of 10,000??????????????????????

Paying off a mortgage early may not be the best use of spare cash.
Real estate
fromwww.housingwire.com
2 weeks ago

Lower rates aren't enough: What mortgage lenders and servicers must do to set spring homebuyers up for long-term success

Interest rates easing may improve buyer sentiment, but sustainable homeownership relies more on managing cash flow than just lower rates.
Real estate
fromnews.bitcoin.com
6 days ago

Why Crypto-Backed Mortgages Matter for Expanding Access to Homeownership

Financial firms are redefining wealth evaluation with crypto-backed mortgages to address barriers to homeownership.
Real estate
fromwww.housingwire.com
1 week ago

NEXA Lending targets recurring income model for loan originators

NEXA's initiative allows loan originators to access recurring revenue from mortgage servicing rights, enhancing alignment with long-term loan outcomes.
Business
from24/7 Wall St.
1 week ago

PennantPark's 20% Yield Is Partly Funded by a Reserve Running Out in December

PennantPark Investment Corporation's monthly dividend is partially funded by prior undistributed income, indicating a widening gap between earnings and payouts.
Real estate
fromwww.housingwire.com
1 week ago

Mortgage experts weigh in on GSE condo updates

GSEs will require full project reviews for condo loans, increasing costs and documentation requirements for homeowners associations starting Aug. 3.
Higher education
fromAbove the Law
1 month ago

As Litigation Finance Grows, Law Students Have Opportunity To Get In On It Early - Above the Law

Law schools increasingly recognize litigation finance as essential knowledge, with programs like Certum Group's fellowship providing hands-on experience in how capital funds complex litigation.
Real estate
fromwww.housingwire.com
1 week ago

HighTechLending, Better partner to expand EquitySelect HELOC

HighTechLending's EquitySelect HELOC offers flexible home equity access for borrowers struggling with traditional underwriting standards.
Business
fromSilicon Canals
1 week ago

Private credit gates are spreading. Why Apollo's 45% redemption cap is a structural warning for the entire $1.7T asset class - Silicon Canals

Liquidity crises are most dangerous when distress signals are misrepresented as routine management, as seen with Apollo Global Management's redemption caps.
SF real estate
fromwww.housingwire.com
4 weeks ago

Angel Oak targets HELOCs to broaden non-QM lending

HELOCs represent significant growth opportunity in non-QM lending, with Angel Oak's portfolio share potentially doubling as homeowners leverage record equity for debt consolidation and renovations.
Miscellaneous
fromLondon Business News | Londonlovesbusiness.com
1 month ago

How does a personal loan work? From bank loans to alternative financing options - London Business News | Londonlovesbusiness.com

Personal loans are unsecured borrowings repaid in fixed monthly installments, approved based on credit profile and income, commonly used for debt consolidation, emergencies, and home improvements.
Higher education
fromAbove the Law
1 month ago

Private Loan Exchange Launches As Federal Lending Tightens The Screws On Law Students - Above the Law

Federal student loan policy changes have reduced graduate student borrowing options, forcing law students toward private loans, prompting AccessLex Institute to launch a nonprofit-curated private loan directory.
#mortgage-lending
Real estate
fromwww.housingwire.com
1 week ago

The mortgage industry built a sales infrastructure. It now needs a navigation infrastructure

Mortgage lending's efficiency may obscure its complexities, necessitating a shift from sales infrastructure to navigation infrastructure for better borrower understanding.
Real estate
fromwww.housingwire.com
1 week ago

The mortgage industry built a sales infrastructure. It now needs a navigation infrastructure

Mortgage lending's efficiency may obscure its complexities, necessitating a shift from sales infrastructure to navigation infrastructure for better borrower understanding.
Business
from24/7 Wall St.
1 week ago

High Yielding ECC's CLOs Are Unrated For A Risky Reason

Eagle Point Credit cut its monthly distribution significantly, reflecting underlying risks in its investment strategy involving unrated collateralized loan obligations.
Venture
fromBusiness Insider
1 month ago

How one firm is helping emerging hedge funds launch with hundreds of millions and virtually no staff

Lean hedge fund launches are accelerating through SMA capital, advanced technology, and outsourced operations, enabling portfolio managers to start with minimal staff.
fromBusiness Insider
1 month ago

Money managers are hungrier than ever for obscure data to give them an edge

Hedge funds and other money managers spent $2.8 billion on alternative data in 2025, according to a new report from consultancy Neudata, a 17% jump from the year before. It's more than double what asset managers spent on alternative data in 2021, which includes a wide range of non-traditional information sources. The report projects that the total spend on alternative datasets could jump to more than $23 billion in the consultancy's bull case in 2030 and just under $8 billion in the bear case.
Data science
Business
fromFortune
3 weeks ago

The $265 billion private credit meltdown: How Wall Street's hottest investment craze turned into a panic | Fortune

Private equity stocks surged dramatically from mid-2023 to early 2025, then collapsed sharply starting September 2024, erasing over $265 billion in market value as retail investors demanded redemptions from private debt funds.
Real estate
fromwww.housingwire.com
2 weeks ago

The industry's quiet first line of defense

Title agents perform critical fraud detection work during real estate transactions that remains largely invisible to buyers, sellers, and lenders despite being more important than the visible closing process.
Real estate
fromwww.housingwire.com
2 weeks ago

Banks eye mortgage growth if Basel III capital rules ease

Bank executives anticipate Basel III recalibration could increase mortgage and MSR attractiveness through lower risk weights and LTV-sensitive capital requirements, though implementation is expected to be gradual.
Venture
fromBusiness Insider
1 month ago

Meet Tekmerion: The classics-obsessed macro investor spinning out of Brevan Howard with $1 billion

Tekmerion Capital, spinning out of Brevan Howard with $1 billion in assets, represents a return to niche-focused hedge funds led by unconventional investors like CIO Zachary Squire, who combines classical education with macro investing expertise.
Education
fromwww.housingwire.com
1 month ago

Fairway, NAIFA debut Certified Home Equity Advisor program

NAIFA members can earn a CHEA credential teaching reverse-mortgage-based home-equity strategies for retirement planning, emphasizing education, ethics, and consumer protection rather than product origination.
Real estate
fromwww.housingwire.com
3 weeks ago

Is it time to bring banks back to the mortgage business?

Mortgage loan origination collapsed from 14.2 million in 2021 to under 5 million in 2023, with independent mortgage banks filling the gap while maintaining quality, yet regulators and industry leaders argue banks should re-engage to restore competition and customer relationships.
Business
fromBusiness Insider
4 weeks ago

Everything you want to know about the drama in private credit but were too afraid to ask

Private credit, a $3 trillion market where investors loan directly to businesses, faces scrutiny after major firms experienced significant redemptions and fund freezes, raising concerns about potential bubble risks.
Real estate
fromwww.housingwire.com
3 weeks ago

Private credit didn't fix middle-market CRE. It delayed a reckoning

Private credit's market expansion masked fundamental inefficiencies in commercial real estate lending that now surface as refinancing accelerates in a higher-rate environment.
US politics
fromwww.housingwire.com
2 months ago

Bill Ackman proposes prepayment penalties to lower rates

Offer borrowers a choice between a standard 30-year mortgage at ~6% or a portable, lower-rate (~5.35%) loan with prepayment penalties to improve affordability.
Real estate
fromLondon Business News | Londonlovesbusiness.com
3 weeks ago

When property investors should consider bridging loans - London Business News | Londonlovesbusiness.com

Bridging finance provides quick capital access for property investors to meet tight deadlines, purchase unmortgageable properties, and fund renovations without waiting for traditional mortgage approval.
fromwww.npr.org
1 month ago

A 'Shark Tank' alum needed cash to pay tariffs. This shadowy lending world was ready

"Point me in the direction of what dollar amount you need, and we'll get it priced out and funded today!" It's Bella, it's Jake, it's Zevi strangers offering quick cash to help Joshua Esnard's small business in North Carolina. How does $350,000 sound? Or $768,000 and up to $900,000? Approval in an hour, they say, money in a day. "No gimmicks, Joshua." "No hidden fees, No BS."
US news
Fundraising
fromLondon Business News | Londonlovesbusiness.com
2 months ago

The rise of private equity allocations and the implications for fund managers - London Business News | Londonlovesbusiness.com

Large private-market deals increasingly involve co-investments across sizes, with sovereign wealth funds and family offices boosting private equity allocations, changing execution and opportunities for managers.
fromRedfin | Real Estate Tips for Home Buying, Selling & More
3 weeks ago

Can You Get a Mortgage on Land? Land Loan vs Mortgage Explained

In most cases, lenders will not issue a traditional mortgage for land that does not already have a home or building on it. Mortgages are designed for developed properties because houses provide immediate collateral value and are generally easier to sell if a borrower defaults.
Real estate
Business
fromLondon Business News | Londonlovesbusiness.com
1 month ago

Funding Guru's Matt Haycox secured loans give firms a boost - London Business News | Londonlovesbusiness.com

Secured loans are becoming a strategic financing tool for UK businesses seeking growth capital, offering stability through longer terms and lower rates without signaling financial distress.
Real estate
fromtherealdeal.com
3 weeks ago

Syndicator lender Ready Capital reports massive losses

Ready Capital reported a $232 million loss while restructuring its commercial real estate loan book, with stock down 60% and non-accruing loans rising to 25% of its portfolio.
#non-qm-lending
Real estate
fromwww.housingwire.com
3 weeks ago

Pennymac TPO launches non-QM product suite

PennyMac offers diverse non-QM loan products with flexible qualification standards based on property cash flow, bank statements, assets, and alternative income verification instead of traditional personal income documentation.
Real estate
fromwww.housingwire.com
3 weeks ago

Logan Finance rolls out new product tier for high-balance non-QMs

Logan Finance launches Open Road Elevated, a high-balance non-QM lending program offering up to $5 million loans through four specialized pathways for borrowers with complex financial profiles.
Real estate
fromwww.housingwire.com
3 weeks ago

Pennymac TPO launches non-QM product suite

PennyMac offers diverse non-QM loan products with flexible qualification standards based on property cash flow, bank statements, assets, and alternative income verification instead of traditional personal income documentation.
Real estate
fromwww.housingwire.com
3 weeks ago

Logan Finance rolls out new product tier for high-balance non-QMs

Logan Finance launches Open Road Elevated, a high-balance non-QM lending program offering up to $5 million loans through four specialized pathways for borrowers with complex financial profiles.
Real estate
fromwww.housingwire.com
3 weeks ago

loanDepot reenters wholesale lending after 2022 exit

loanDepot is re-entering the wholesale mortgage channel after shutting it down in 2022, positioning itself to compete in a market dominated by UWM, Rocket Mortgage, and Pennymac.
Business
fromIndependent
1 month ago

Money experts on the pros and cons of borrowing - and whether they have any loans themselves

Debt can be categorized as good or bad depending on whether it finances appreciating assets or depreciating expenses, making strategic borrowing potentially beneficial despite cultural stigma against all debt.
Real estate
fromwww.housingwire.com
4 weeks ago

Redwood Trust closes $391 million non-QM securitization

Redwood Trust closed a $391 million non-QM securitization through its new Aspire platform, targeting high-quality borrowers underserved by traditional mortgage programs.
Venture
from24/7 Wall St.
2 months ago

Top 5 Private Equity Holding Companies: Publicly Traded PE Titans

Publicly traded private-equity firms let retail investors access buyouts, direct lending, infrastructure, and real estate with liquidity and lower minimums while charging management and performance fees.
Real estate
fromwww.housingwire.com
1 month ago

The 200-Basis-point gap: Why many lenders are leaving money on the table

A persistent 200 basis point performance gap between top and bottom tier lenders reflects structural industry inefficiency, not cyclical conditions, with top lenders earning 139 basis points while bottom lenders lose 70 basis points.
Real estate
fromwww.housingwire.com
1 month ago

5 Referral Partners Every Loan Officer Needs to Build a Resilient Pipeline

Loan officers must cultivate diverse referral partnerships across multiple partner types to build stable, sustainable pipelines that withstand market cycles and unpredictable homebuying demand.
Real estate
fromwww.housingwire.com
1 month ago

9 Strategies to Build Mortgage Referral Clients & Your Pipeline

Strong mortgage pipelines develop through intentional, trust-based referral partnerships that prioritize relationship-driven introductions over transactional leads, requiring deliberate actions that create genuine value for partners.
Real estate
fromwww.housingwire.com
1 month ago

Why mortgage licensing must be a priority for private lenders In 2026

Mortgage licensing is a critical legal and deal-enabling priority for private lenders, not an operational afterthought, with significant consequences for non-compliance including usury exposure, penalties, and loan enforceability risks.
fromwww.housingwire.com
1 month ago

AD Mortgage launches its largest non-QM securitization yet

The deal represents a defining milestone for the firm. It reflects not only the continued strength of the non-QM RMBS market, but also the confidence investors place in our platform and in AD non-QM mortgages as a premier asset class.
Real estate
Real estate
fromwww.housingwire.com
1 month ago

Lender choice relies on the myth of adverse selection

Mortgage lenders choosing between FICO Classic and VantageScore 4.0 credit scores will not cause adverse selection because regulatory frameworks and GSE controls prevent gaming, and VantageScore 4.0 provides superior risk assessment.
Real estate
fromwww.housingwire.com
1 month ago

Rate enables crypto assets for mortgage qualification

RateFi lets borrowers use verified, nonliquidated cryptocurrency as qualifying income and reserves for mortgages within existing non-QM frameworks, preserving control and avoiding liquidation.
fromwww.housingwire.com
2 months ago

Setpoint acquires inTENT Fulfillment, strengthens loan diligence

Setpoint, which serves more than 200 customers and supports more than 14 asset classes through its software platform for asset-backed finance, provides technology-enabled diligence and verification services designed to speed loan reviews. The company uses AI-assisted document verification, centralized collateral management, and upfront visibility into guidelines and ratings agency eligibility. The future of diligence is built on better infrastructure, said Stu Wall, co-founder and CEO of Setpoint.
Business
Real estate
fromwww.housingwire.com
1 month ago

Regulators urged to ease bank capital rules for mortgages

Trade groups asked regulators to recalibrate bank capital requirements for residential mortgages, MSRs, and warehouse lending to better reflect current risk and protections.
Business
fromwww.housingwire.com
2 months ago

Rithm Capital expands mortgage partnership with Valon

Rithm, Newrez, and Valon are partnering to modernize mortgage servicing using ValonOS to deliver efficiency, scalability, and innovation for over four million homeowners.
Real estate
fromTelecompetitor
1 month ago

Vertical Bridge completes $1.94B asset-backed securitization

Vertical Bridge issued $1.94 billion of tower revenue notes secured by 10,425 tower sites, marking the largest tower ABS issuance and attracting 78 investors.
fromBusiness Matters
2 months ago

How does a secured loan work in the UK in 2026?

A secured loan creates access to higher limits and competitive pricing, though it also places your property at risk. You gain clarity once you understand how the charge system operates, how lenders assess equity, and what shapes affordability outcomes. Writers often turn this topic into a maze, so I will keep the explanations tight. To me, it all comes down to understanding the mechanics from start to finish because knowledge in finance tends to cut confusion at the root.
Real estate
Real estate
fromwww.housingwire.com
1 month ago

Looming risk for mortgage credit and MBS investors from Lender Choice

Allowing lenders to choose between FICO and VantageScore enables adverse selection that increases credit and MBS investor risk by shifting higher-risk loans to GSEs.
Real estate
fromwww.housingwire.com
2 months ago

HighTechLending launches flexible second-lien home equity loan

HighTechLending launched a second-lien EquitySelect home equity product offering credit-card-like flexible payments to tap equity without refinancing the first mortgage.
fromwww.housingwire.com
1 month ago

What's Pennymac's strategy behind the Cenlar acquisition?

Cenlar has a subservicing platform with $740 billion in unpaid principal balance (UPB) and 2 million loans across 100 clients, generating about $460 million in revenue in 2025. But $307 billion in UPB will not transition to Pennymac because some clients mainly UWM are bringing their subservicing activities in house. Pennymac tied part of the acquisition cost $85 million in contingent consideration payable over three years to client retention.
Real estate
#mortgage-rates
Real estate
fromwww.housingwire.com
2 months ago

Finance of America tops HMBS market with 30% share

A concentrated group of issuers dominated 2025 HMBS issuance, with Finance of America holding 30.2% and the top four accounting for nearly 90%.
Real estate
fromwww.housingwire.com
2 months ago

GSEs boost foreclosure prevention as forbearances surge

Forbearance and permanent loan modifications rose sharply in October, while delinquency modestly improved, foreclosures increased, and refinance activity grew as rates fell.
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