Deborah Kearns

Deborah Kearns is a freelance editor and writer with more than 15 years of experience covering real estate, mortgages and personal finance topics. Her work has appeared in The New York Times, Forbes Advisor, The Associated Press, MarketWatch, USA Today, MSN and HuffPost, among others. Deborah previously held editorial leadership and writing roles at NerdWallet, Bankrate, LendingTree and RE/MAX World Headquarters.

Posts by Deborah Kearns

FHA

HUD to Require Proof of Citizenship, Permanent Residency to Get FHA-Insured Loans

The U.S. Department of Housing and Urban Development (HUD) announced Wednesday it will no longer allow non-permanent residents or non-U.S. citizens to obtain FHA-insured mortgages. This significant policy shift aligns with the Trump administration’s tougher stance on illegal immigration. The changes, published in Mortgagee Letter 2025-09 and Title I Letter 490, take effect May 25…

MLS

MLS Launches Industry-First Broker Profit-Sharing Incentive

Mid-America Regional Information Systems, Inc. (MARIS) has introduced what it lauds as the first tiered, metered data feed offered by a Multiple Listing Service (MLS) that directly incorporates broker profit-sharing, according to a news release. Starting this year, brokers who upload active listings to MARIS and successfully close those transactions will receive a percentage of…

Banosian

Rate Mortgage Appoints No. 1 U.S. Loan Originator Shant Banosian as President

Rate Mortgage has appointed Shant Banosian, the nation’s top-producing loan officer for six straight years, as its new president, the company announced Wednesday. Banosian will work alongside Victor Ciardelli, who continues as president and CEO of all 15 Rate Companies. The appointment completes Rate’s leadership structure, with Banosian heading the last Rate subsidiary to receive…

Reffkin

Compass CEO on Exclusive Listing Database: ‘We Want to Give Our Agents an Edge’

Real estate brokerage Compass is doubling down with gusto on its strategy of building an exclusive inventory database outside traditional Multiple Listing Services (MLS), despite industry concerns about reduced market transparency and potential conflicts of interest. During Tuesday’s earnings call, Compass CEO Robert Reffkin revealed that 35% of the company’s 22,138 listings are now either…

Keller

Keller Williams Housing Market Outlook: Uncertainty Abounds, Slow Market Could Drag Out

Above: Gary Keller (in black), Jay Papasan and Jason Abrams on stage for Keller Williams’ Family Reunion event in Las Vegas on Tuesday, Feb. 18 (photo courtesy of Keller Williams) Housing industry leaders at Keller Williams project U.S. home sales will remain at historically low levels this year, though prices will stabilize despite affordability challenges.…

Mortgage

Here’s What Moves Mortgage Rates—and Why It’s Not Always the Fed

When the Federal Reserve raises or lowers its benchmark interest rate, many people expect mortgage rates to follow suit. But the relationship isn’t that straightforward. The federal funds rate—the rate banks charge each other for overnight loans—has an indirect impact on mortgage rates. The Federal Reserve sets a target rate range for its rate—currently 4.25%…

Breaking: Trump’s Treasury Secretary Halts All CFPB Operations, Putting Pending Lawsuits, Rules on Ice

Treasury Secretary Scott Bessent has ordered a widespread shutdown of operations Monday at the Consumer Financial Protection Bureau (CFPB) following his appointment as acting director Monday after President Donald Trump fired the agency’s previous leader Rohit Chopra over the weekend. The news was first reported by Bloomberg Law. According to an internal email obtained by…

MBA

Mortgage Industry Urges CFPB to Pause Nonbank Registration Rule Amid Trump Regulatory Freeze

The Mortgage Bankers Association (MBA) called on the Consumer Financial Protection Bureau (CFPB) to postpone compliance deadlines for its Nonbank Registration Regulation, citing concerns over implementation timelines and undue regulatory burden amid a new presidential freeze on pending rules. “The Bureau has a duty to limit regulatory burden and consider costs and benefits,” MBA officials…

NAR

NAR, Michigan Real Estate Groups Fire Back in Broker Antitrust Lawsuit

The National Association of REALTORS® (NAR) and several Michigan real estate associations asked a federal court Wednesday to dismiss a proposed class-action lawsuit that challenges traditional MLS and REALTOR® membership requirements. NAR, the Michigan Association of REALTORS® and several local REALTOR® associations argue that the plaintiffs failed to make valid antitrust claims in their lawsuit,…

PropStream

Beyond the MLS: How PropStream is Revolutionizing Real Estate Data Search

Above: Brian Tepfer, CEO of PropStream As one of the leading real estate data and lead generation platforms in the country, PropStream is on a mission to provide real estate professionals with the most comprehensive solution for finding off-market property leads encompassing the latest trends and technology advancements.  Real estate and mortgage professionals can then…

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