Our elected leaders have a unique opportunity to strengthen small businesses, sustain critical industries, combat inflation in the housing market, and make homeownership more accessible for millions of Americans.

Today’s housing market remains trapped in a cycle of limited supply and elevated costs. A central challenge is homeowners’ reluctance to sell—driven largely by the financial shock of trading a historically low mortgage rate for one that remains above 6%. Mortgage rates have stayed above that threshold since 2022, fundamentally reshaping market behavior.

As many in the title industry already understand, the conversation around technology selection has become fairly sophisticated. Agents and owners are asking sharper questions before signing contracts, doing more due diligence on vendors and thinking more carefully about implementation timelines and staff readiness. All of that is real progress.

As many in the title industry already understand, the conversation around technology selection has become fairly sophisticated. Agents and owners are asking sharper questions before signing contracts, doing more due diligence on vendors and thinking more carefully about implementation timelines and staff readiness. All of that is real progress.

With 30% of U.S. adults owning crypto, lenders face volatility, liquidity, and valuation gaps without standardized underwriting rules.

Per their website: “MBA issued a Mortgage Action Alliance (MAA) Call to Action urging members to contact their U.S. Representative to ensure…troubling provisions within the Senate-passed 21st Century ROAD to Housing Act are fixed as the House prepares its response.” A survey of quotes from various sources revealed tensions by various interest groups with the emerging bill. The National Association of Home Builders (NAHB) and the Manufactured Housing Association for Regulatory Islahat (MHARR) are among those pushing changes.

Tokenized equity could fund down payments, change PMI use, and lower HELOC-like borrowing costs if the Clarity Act passes.