Potomac Point Group
Boutique consulting services for the housing finance industry
PPG Industry Insights
The housing finance industry is in an exciting place. From changes in policy to technology and innovation, see what those changes mean for you and your firm.
In The News*
June 11, 2026
Source: National Mortgage Professional
MISMO released a new AI governance framework on June 11 called FRAME, giving mortgage lenders, servicers, and technology providers a structured toolkit to manage AI risk.
June 5, 2026
Source: HousingWire
The U.S. added 172,000 nonfarm payroll jobs in May, with April's numbers revised up to 179,000, while unemployment held steady at 4.3%. Job gains were concentrated in leisure and hospitality, local government, and health care, while the finance and real estate sectors both shed jobs.
February 26, 2026
Source: AP News
The 30-year fixed mortgage rate dropped below 6% for the first time since late 2022, falling to 5.98%, though economists note rates may need to fall further to motivate the majority of homeowners — nearly 69% of whom hold mortgages at 5% or below — to list their homes and meaningfully revive the market.
November 9, 2025
Source: Mortgage Professional America
The Trump administration is considering offering a 50 Year Mortage, which officials describe as a potential “game-changer” aimed at improving affordability for first-time buyers. However, industry voices warn this move could lead to significantly higher lifetime interest payments, slower equity accumulation, and greater risk for borrowers
October 29, 2025
Source: AP News
At its October rate-setting gathering, the Fed lowered its benchmark rate by a quarter of a percentage point to a new target range of 3.75%-4%. Mortgage rates fell to their lowest level in over a year and the continued easing of monetary policy may well push rates even lower.
INSIGHTS
The adoption of new models represents a hopeful future where individuals can access the credit they need to secure homes.
INSIGHTS
After almost 20 years, credit scores used in mortgage lending are finally getting an update. But is FHFA trying to move too far, too fast?
INSIGHTS
The world of SOFR is evolving quickly with the "SOFR First" initiative beginning to change market conventions and ARRC endorsed term rates. But can progress continue?
INSIGHTS
The "Climate Rule" has the potential to impact how businesses operate, but will this rule change the game for the mortgage industry? And what about the timeline?
INSIGHTS
The market wants to see robust, well-defined alternative markets before they jump in - but if everyone is waiting, how can these markets develop?
INSIGHTS
Read about the major themes, pain points, and
operational difficulties highlighted by professionals in the industry.
*Views expressed in the news are not necessarily those of Potomac Point Group and are provided here only as information currently of interest in the housing finance industry.