Monthly securitizations of home-equity lines of credit plummeted by almost three-quarters on a month-over-month basis, while issuance of closed-end second residential mortgage-backed securities sank by more than $1 billion. Despite the monthly setback, year-to-date issuance has still surged more than 80 percent above last year’s pace. No home-equity investment bonds were rated during the month.
HEI News
News Coverage of Home Equity Investment (HEI) contracts, Home-Equity Agreements (HEAs) and Other Shared Appreciation Products
Tech, HEI Lead Home Equity Executive Activity
FREEExecutive changes across home-equity finance have recently been concentrated in roles tied to technology or home-equity investments, with some also reflecting capital markets expansion. Salaries listed for some of the open jobs range from $90,000 to $180,000.
HEI Today: Popularity Persists Amid Regulatory Ambiguity
As a bright light shines on the home-equity investment sector, a growing patchwork of state regulation casts a shadow. The industry offers access to built-up housing wealth for homeowners unable to qualify for traditional lending, an increasingly attractive option as property values have soared.
HEI Report Warns of Homeowners Unable to Access Equity
Amid unprecedented levels of home equity, millions of U.S. property owners will encounter job losses and could find themselves unable to tap into their housing asset through lending channels, a new report from a provider of home-equity investment contracts shows. Despite efforts by the sector to increase utilization of their products, HEI business still only accounts for a fraction of home-equity finance originations.
HEI, HELOC Firms Expanding Leadership
Executives with backgrounds in marketing and data are taking on senior roles at home-equity investment and technology companies, signaling continued organizational focus on growth and brand development. One home-equity line-of-credit provider is actively seeking an experienced professional to spearhead the creation and rollout of an entirely new business unit.
Banks Dominate Home Equity SEO, HEI Queries Spike YoY
Commercial banks retained their grip on search engine visibility in home-equity lending, even as credit unions regained some ground. Online queries for the term “home equity investment” surged compared to the same period last year, reflecting heightened interest. Although generative artificial intelligence continues to erode the portion of users relying on Google, a high SEO standing can translate into AI gold.
🔒CES Fuels Surge in Q1 Home Equity Issuance
Quarterly issuance of home-equity residential mortgage-backed securities accelerated sharply to start 2025, spurred by heightened activity in closed-end second mortgage transactions and more than doubling compared to the same period a year earlier. Securitizations of home-equity investment contracts were flat.
🔒Investments in HEI Continue as CES, HEI & RTL RMBS Close
In a signal of rising momentum across home-equity finance, investors closed a series of structured debt offerings linked to closed-end seconds, home-equity investment contracts and short-term fix-and-flip loans — including one transaction that grew nearly $100 million beyond initial sizing. Another capital raise supporting a tokenized HEI model underscores ongoing investor interest in this red-hot sector.
CES Share of Home Equity Triples, DTIs Deteriorate
Once a niche portion of the market, closed-end seconds have surged at depositories, tripling their share over the past five years. Even home-equity investment contracts have grabbed a small piece of the market. While combined loan-to-value ratios and credit scores have improved on home-equity products since 2017, debt-to-income ratios have worsened, according to new findings presented in a bank webinar this week.
🔒2025 Home Equity Issuance Forecasted to Rise
Securitizations of home-equity lines of credit and closed-end second mortgages are forecast to increase this year. Issuers structuring home-equity bonds differ significantly in how often they bring deals to market and in the range of originators they rely on to source collateral. Despite momentum, ongoing scrutiny from state regulators continues to focus on the legal and licensing framework surrounding home-equity investment contracts. Speed and cost effectiveness are key factors prompting originators to favor automated valuation models.
Category Pages are limited to 180 days. Please use the archive page or the search box to find older articles.