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Chart showing Mortgage, Inflation, & Federal Funds Rates (1980-2023)

The Fed Got Its Mojo Back

Mortgage interest rates have been more or less declining over the past four decades from a peak of 18.3% in October 1981 to a bottom of 2.7% in July 2021. This was mostly driven by a Federal Funds Effective Rate that dropped from 15.1% to 0.09% over the same timeframe.

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Standing Out In A Crowded Home Equity Market

How Can Home Equity Lenders Differentiate Themselves? ​ In the National Mortgage Professional’s recent article, “Standing Out in a Crowded Home Equity Market,” written by Jeremy McCarty, Founder and CEO of Valligent, shares insights on how lenders can play a crucial role in helping homeowners tap into their home equity in a high demand home …

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Home Equity Lending Needs a Tech Refresh

In Credit Union Times’ recent article, “Home Equity Lending Needs a Tech Refresh,” written by Jeremy McCarty, Founder and CEO of Valligent, shared given the surge in the demand for home equity loans, credit unions should streamline valuation processes and find ways to differentiate themselves from competitors. The article highlighted a few ways to stand …

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