Insights

Divide road, wealthy gap

The Rise of the Two-Tier Housing Market

The U.S. housing market is no longer one market—it’s a bifurcated market, where only well-capitalized buyers can participate. Rising prices, elevated mortgage rates, and the disappearance of entry-level homes are pushing first-time and lower-income buyers to the sidelines. The result is a fragmented market defined by widening gaps in access, affordability, and opportunity.

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Digital Valuation Strategies for the Mortgage Executive Orders

Following the administration’s 2026 mandates to modernize mortgage credit and affordable housing, the industry faces a structural shift. Veros and Valligent provide the technology infrastructure: from AI-driven computer vision to virtual inspections, they offer what is needed to scale origination and ensure regulatory compliance in a digital-first regulatory environment.

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Are Lenders Prepared for the UAD 3.6 Transition Mandate Coming in November 2026?

Valligent COO and Veros’ Product Management Director give their take on the transition from UAD 2.6 to 3.6 this coming November. Their insights span from potential outcomes of those who have not adopted the transition, as well as what the transition may look like in the early stages.

Are Lenders Prepared for the UAD 3.6 Transition Mandate Coming in November 2026? Read More »

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