Non QM Loans Explained: A Mortgage Option for Self Employed and Non Traditional Borrowers

Heather Gennette

Published on: 23/01/2026

Many people believe that getting a mortgage requires W2s, tax returns, pay stubs, and near perfect credit. While that is true for traditional loans, it is not the only path to homeownership or refinancing. There is another option that continues to help self employed buyers, investors, retirees, and homeowners who do not fit the standard lending mold. It is called a Non QM loan.

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Millions of Homeowners Are Trapped by Capital Gains Taxes

Heather Gennette

Published on: 23/01/2026

There is a growing issue in today’s housing market that does not get nearly enough attention. Millions of homeowners want to sell their homes, but feel financially stuck. Not because they do not want to move. Not because they do not need to move. But because capital gains taxes can turn equity into a financial roadblock.

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Will AI Change the Way Homes Are Bought and Sold? Here’s What It Really Means

Heather Gennette

Published on: 15/01/2026

Will AI change the way homes are bought and sold? Yes. But the bigger story is how it changes the process, and what it does not replace. AI is getting very good at speeding up the early stages: finding options, organizing information, and helping people compare scenarios faster. We are already seeing major platforms building AI-driven search experiences that let buyers describe what they want in plain language and refine results in real time.

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Will home affordability improve in 2026?

Heather Gennette

Published on: 03/01/2026

If you are asking this question, you are not alone. A lot of buyers feel stuck between rising everyday costs and home prices that still feel out of reach. The good news is that affordability is not a single lever. It is a mix of income, home prices, financing costs, and market leverage. In 2026, we are seeing signs that the balance can improve, especially for buyers who approach the process with a plan.

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