Blogs
The 40-Day Time Capsule: Why Mortgage Processing is Stuck in the 1980s
Why does it still take 42-48 days to close a mortgage in 2026? Discover how outdated processing practices and the loss of institutional knowledge have kept the mortgage industry trapped in a 40-year time capsule — and how expert contract processing from The Commonwealth Group is finally breaking the cycle with proactive file scrubbing and deep Fannie Mae, Freddie Mac, FHA & VA expertise.
Beyond the Guide: Navigating the "War-Premium" in Today’s Mortgage Market
Mortgage rates hit 6.46% in April 2026 as the Iran conflict triggers a "war-premium," ending the February dip and pressuring lender pipelines. Discover how The Commonwealth Group helps stabilize February locks through fulfillment acceleration and capacity management amid rising energy inflation and "higher for longer" Fed policy.
Non-Occupant Co-Borrowers: Fannie Mae vs. Freddie Mac
Explore 2026 Fannie Mae vs Freddie Mac non-occupant co-borrower guidelines: Compare LTV limits up to 95%, DTI blending via DU, Home Possible program perks, and how family co-signers boost qualification in today's housing market with rising "Bank of Mom and Dad" support.
Navigating the Differences Between Condos and Planned Unit Developments (PUDs) Lending
Explore key differences between condominiums and Planned Unit Developments (PUDs) in ownership, HOA rules, and Fannie Mae/Freddie Mac lending guidelines. Learn how these impact mortgage eligibility, project reviews, and financing options for buyers and lenders.
Power of Attorney Requirements for Fannie Mae and Freddie Mac Mortgages
Discover Fannie Mae & Freddie Mac Power of Attorney requirements for mortgage closings: eligibility, notarization, restrictions, hardship exceptions & compliance tips.
Artificial Intelligence vs. Real Intelligence: Striking the Right Balance in the Mortgage Industry
The Commonwealth Group emphasizes integrating AI's efficiency with real human intelligence's judgment to optimize mortgage processes, ensuring compliance, risk mitigation, and superior client service.
The Stifling Grip of Dodd-Frank: How Regulations Are Hindering Innovation in Mortgage Affordability
The Dodd-Frank Act, intended to stabilize the financial system post-2008 crisis, has instead imposed rigid regulations that stifle mortgage innovation, increase compliance costs, and hinder affordability for everyday homebuyers. The Commonwealth Group is here to be the voice that advocates for mortgage empowering policies.