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Why the 30-Year Mortgage Still Matters Response to Mr. Brenner’s Commentary in the WSJ, October 8, 2025 By Dain Ehring October 2025 Patrick Brenner is the President and CEO of the Southwest Public Policy Institute , a research institute dedicated to "improving the quality of life in the American Southwest" by formulating, promoting, and defending sound public policy solutions. His latest WSJ commentary, in October 2025, launches a sort of rhetorical grenade at the 30-year mor

AI, Web3, and User Sovereignty in Financial Services Lending Gets an Upgrade (Whether It Likes It or Not) By Dain Ehring October 2025...

Why Reading the Fine Print and Disclosures in Agreements Is Critical: Protecting Your Data in a Connected World By Denzil Dsouza, Oct...

photo by Eudora Welty (copyright protected) By Dain Ehring October 2025 The United States is not feeling well.  It is sick. Our wellness...

Dain Ehring, Sept 2025   In spring this year, the Wall Street Journal published an editorial, “Biden’s Mortgage ‘Relief’ Fuels Higher...

Dain Ehring April , 2025 Current FHA Loss Mitigation Process   The current workflow for the Federal Housing Administration (FHA) loan...

How Emerging Technologies Will Revolutionize Mortgage Origination, Processing, and Ownership By Denzil Dsouza, September 2025...

With the CFPB turning its attention to the use of artificial intelligence within the mortgage process, here's what ou need to know.

I have a photo of Steve Jobs and me hanging on the wall in my home office.  We both had hair. 

Separating Hype from Substance in the Age of Automated Solutions Denzil Dsouza September 2025 Introduction Artificial Intelligence (AI)...

Current State in Warehouse Lending Research Gate; Uploaded by Karen M. Pence, Board of Governors of the Federal Reserve System:   “...