Analysis & Opinion

Letter to the Editor: Brian D. Montgomery Responds to The Wall Street Journal’s “UWM Is a Government Mortgage Canary”

Brian D. Montgomery responds in The Wall Street Journal on how the FHA’s insurance fund protects taxpayers and why partial claims can cost far less than foreclosure.

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October 7, 2026

Michael Frueh Joins Gate House Team

Former VA Acting Under Secretary Michael Frueh joins Gate House as Senior Advisor. Expert insights on VA lending, GSE programs, and government mortgage policy.

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January 13, 2026

Gate House's Keith Becker on Critical VA Loan Program Changes

Keith Becker discusses the end of VASP and legislative challenges ahead for VA loan partial claims, highlighting implementation hurdles and congressional requirements.

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April 18, 2025

What Awaits our new HUD Secretary

Gate House Strategies Chairman Brian Montgomery highlights the challenges and opportunities for new HUD Secretary Scott Turner, including high mortgage rates, housing inventory shortages, and rising homelessness. Turner, who led Trump's Opportunity Zones, will manage HUD's $73 billion budget and $2.6 trillion in mortgages, addressing fair housing enforcement and FHA portfolio uncertainties. Ginnie Mae's leadership and MBS platform transition are also key focuses.

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February 6, 2025

3 Questions for Gate House’s Hunter Kurtz

What can government do to make things better for localities working to create affordable housing? Mostly get out of the way, says Gate House Strategies’ Hunter Kurtz. “The biggest hurdles that local affordable housing practitioners face are rules and regulations at both the federal and local levels, he says in this Q&A.

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January 14, 2025

3 Questions from Gate House for Steve O’Connor

Long-time Mortgage Bankers Association executive Steve O’Connor recently retired after working with industry leaders for four decades. We asked Steve to share his observations about what industry professionals should be focused on right now.

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December 2, 2024

3 Questions from Gate House for Tim Rood

Discover Tim Rood's insights on government overreach in housing regulation, rising mortgage costs, and innovative AI-driven solutions for real estate compliance...

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October 24, 2024

3 Questions for Gate House Compliance Team Member Mike Forester

Explore fair lending risks with Mike Forester, co-founder of CrossCheck Compliance. Learn about pricing, redlining, and other hidden threats lenders face. Read ...

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October 11, 2024

3 Questions for Gate House Compliance’s Dror Oppenheimer

Dror Oppenheimer, a nationally recognized credit and underwriting expert, discusses the CFPB's Reg X proposal, emphasizing the importance for mortgage servicers...

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July 24, 2024

Modern Day Redlining - Fair Lending and Servicing Compliance Challenging the industry Today

Explore the complexities of modern-day redlining and its impact on fair lending and mortgage servicing compliance. Learn how evolving regulatory expectations ch...

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June 20, 2024

The Man Who Played a Central Role in the Passage of the Fair Housing Act

Discover the pivotal role Stephen J. Pollak played in passing the 1968 Fair Housing Act. Learn how his leadership and negotiation skills helped shape one of the...

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May 22, 2024

A Time to be Vigilant

Gate House moves to support fair lending and servicing with the launch of its new subsidiary, Gate House Compliance, including a proprietary compliance manageme...

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February 13, 2024

Housing Market Update – January 7, 2024

Housing Market Update - January 7, 2024 The inflation picture in the U.S. has improved quite significantly, so much so that the Fed has appeared to have pivoted...

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January 6, 2024

Gate House Chairman Brian Montgomery weighs in on the regulatory landscape with respect to fair lending and the need for financial service executives to be proactive

Gate House Chairman Brian Montgomery weighs in on the regulatory landscape with respect to fair lending and the need for financial service executives to be proa...

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January 2, 2024

Housing Market Recap (excerpted from Gate House’s weekly note to clients) December 1, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) December 1, 2023 With FHFA indicating 5.5% home price appreciation year-over-year on l....

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November 30, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) September 1, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) September 1, 2023 As mortgage rates hit a 22-year high and existing homeowners continu....

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August 31, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 25, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) As anticipated, Chairman Powell maintained a rather hawkish tone Friday afternoon, cit....

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August 24, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 18, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) The Fed will be in Jackson Hole next week, where Chairman Jay Powell is expected to sp....

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August 17, 2023

Gate House Partner Hunter Kurtz shares his insights on the challenges for lawmakers around affordable housing at the Millennial Action Project Future Summit 2023

Gate House Partner Hunter Kurtz shares his insights on the challenges for lawmakers around affordable housing at the Millennial Action Project Future Summit 202...

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August 13, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 8, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) August 8, 2023 Eyes will be on inflation data coming out this week. The news on that f....

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August 7, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 26, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) July 26, 2023 As the market was expecting, the Fed raised interest rates another quart....

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July 25, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 19, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) July 19, 2023 Its a busy week for housing data. The National Association of Homebuild.....

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July 18, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 12, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) July 12, 2023 With U.S. 30-year fixed mortgage rates touching an average of 6.81% this....

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July 11, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 27, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) June 27, 2023 Amidst somewhat surprising signs of resilience this year in the U.S. eco....

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June 26, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 22, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) June 22, 2023 Fed Chairman Jay Powell is on the Hill delivering the Feds semiannual r.....

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June 21, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 13, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) June 13, 2023 We are awaiting the Fed Boards decision on interest rates Wednesday aft.....

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June 12, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 6, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) June 6, 2023 Although stress in the banking sector continues in this rate environment,....

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June 5, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 17, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) May 17, 2023 The Wall Street Journal reports that after the average city office occupa....

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May 16, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 10, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) May 10, 2023 Both Warren Buffett and Jamie Dimon said in the days following the JPMorga....

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May 9, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 3, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) May 3, 2023 Activity at the Feds discount window and the Bank Term Lending Program ro.....

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May 2, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) April 10, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) April 10, 2023 There continues to be a conundrum in US markets: Q1 was very strong for....

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April 9, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) April 5, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) April 5, 2023 Redfin reported more house hunters are returning to the market as mortga....

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April 4, 2023

Housing Market Recap Gate House’s weekly March 27, 2023

Housing Market Recap (excerpted from Gate Houses weekly note to clients) March 27, 2023 Markets appeared to be mollified slightly over the weekend after the FD....

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March 26, 2023

Gate House Partners Weigh in on Challenges in the Reverse Mortgage Market

Gate House Partners Weigh in on Challenges in the Reverse Mortgage Market In their recent article for Reverse Mortgage Daily, Gate House Partners Keith Becker, ...

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March 23, 2023

Gate House Partner Hunter Kurtz joins “Change Makers with Katie Goar”

Gate House Partner Hunter Kurtz joins Change Makers with Katie Goar Gate House Vice Chairman Hunter Kurtz joined @ConsultQuadel President and @Forbes_Books con.....

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July 19, 2022

Dain Ehring: AI Mortgage Genie Out Of The Bottle

Dain Ehring: AI Mortgage Genie Out Of The Bottle In a recent piece published by DS News, Gate House Digital CEO/President Dain Ehring discusses the role of Arti...

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June 20, 2022

Gate House Strategies Celebrates One Year, Announces the formation of Gate House Digital

Gate House Strategies Celebrates One Year, Announces the formation of Gate House Digital Washington, DC: Gate House Strategies, LLC is pleased to celebrate one ...

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May 4, 2022

HUD Foster Youth to Independence Initiative Received Well-Deserved Recognition for Innovative Approach

HUD Foster Youth to Independence Initiative Received Well-Deserved Recognition for Innovative Approach Gate House Vice Chairman Hunter Kurtz, when he served as ...

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December 22, 2021

The Positive Capital Ratio for the HECM Program Is No Time for Complacency

The Positive Capital Ratio for the HECM Program Is No Time for Complacency In their recent article for Reverse Mortgage Daily, Gate House Founding Partners Bria...

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November 28, 2021

Montgomery, Becker, Oppenheimer: Reverse Mortgage Capital Ratio Turns Positive, But No Time for Complacency, Reverse Mortgage Daily

Written By Brian D. Montgomery, Keith Becker and Dror Oppenheimer For the first time since 2015, the Capital Ratio for the reverse, or Home Equity Conversion Mo...

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November 20, 2021

FHA Should Prepare for the Next Storm, Hold Steady on Premiums

FHA Should Prepare for the Next Storm, Hold Steady on Premiums Gate House Chairman Brian Montgomery and CEO Keith Becker recently opined in the M Report on the ...

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November 15, 2021

America’s Call to Duty to End Veterans Homelessness

Americas Call to Duty to End Veterans Homelessness Gate House Vice Chairman Hunter Kurtz moderated a panel for the Bipartisan Policy Center (BPC) forum on the ....

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November 8, 2021

Reflections on a Career in Public Service

Reflections on a Career in Public Service Reflecting on his long career in public service, Gate House Chairman Brian Montgomery spoke with DS News about the key...

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October 7, 2021

9-11 Twenty Years On

9-11 Twenty Years On Every year since 9-11, Gate House Chairman and Co-Founder Brian Montgomery has delivered remarks reflecting on his experience on 9-11, when ...

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September 9, 2021

HECM Program Has Evolved as Secretary-Held Portfolio Has Grown, Servicing Challenges Rise

HECM Program Has Evolved as Secretary-Held Portfolio Has Grown, Servicing Challenges Rise Gate House Chairman Brian Montgomery recently spoke with Chris Clow of Reverse M...

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June 8, 2021

Two Weeks On

Two Weeks On Happy Friday. After completing a remarkable first two weeks for Gate House Strategies, I wanted to take this opportunity to thank everyone with who...

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May 20, 2021

Opportunities And Challenges Abound In Affordable Housing: Advice Needed

Opportunities and challenges abound in affordable housing: Advice needed Few issues are more salient to the challenges our country faces today than the shortage...

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May 4, 2021

Inside Voices — November 2026

The White House housing-cost Executive Order and manufactured housing task force, FHA’s opening to build-to-rent communities, AI-driven cyber risk, modernizing FHA Title I, and rising escrow advances.

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November 15, 2026

Three Questions: Shawn Telford

Shawn Telford of Cotality on UAD 3.6, the new appraisal data standard taking effect November 2, and what it means for appraisers, lenders, and FHA, plus a bonus question on the future of the appraisal profession.

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November 8, 2026

Modernizing Mortgage Credit Scores: More Competition, Open Questions About Risk

Keith Becker on the move to competing mortgage credit scores, FICO’s new pricing program, and potential implications of shifting from tri-merge to bi-merge or single-merge credit reporting.

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November 1, 2026

The Gate House Index — October 2026

housing affordability heading into the midterms — buyer sentiment, the monthly payment on a new home, renter cost burdens — plus RAD, CDBG and disaster recovery data behind this month’s Three Questions.

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October 22, 2026

Inside Voices — October 2026

HUD’s Innovative Housing Showcase, FHA’s proposed Minimum Property Requirements overhaul, new credit scores at FHA and the GSEs, GSE MBS purchases, manufactured home appreciation, AI-enabled permitting, and Matt Jones’ FHA Commissioner nomination.

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October 15, 2026

Three Questions: Hunter Kurtz

Hunter Kurtz on what the 21st Century ROAD to Housing Act changes for RAD, CDBG and disaster recovery.

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October 8, 2026

Voter Sentiment on Housing and Affordability Heading into the Midterm Elections

Brian D. Montgomery on what voters are saying about housing affordability heading into the midterm elections — and why Washington can’t promise a quick fix

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October 1, 2026

The Gate House Index — September 2026

Rising homeowners insurance premiums — how much they rose and what drove them; FHA's growing partial claims and potential RAP benefits.

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September 22, 2026

Inside Voices — September 2026

HUD's note sale strategy, the ROAD Act's small-dollar mortgage pilot, a $15.5 million force-placed insurance settlement, a widening new-vs-existing home price gap, and Fannie Mae's latest executive shake-up.

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September 15, 2026

Three Questions: Dror Oppenheimer

Dror Oppenheimer on FHA's proposed Reinstatement Advance Payment (RAP) demonstration — how it restructures partial claims, what it means for servicers, and why the comment period matters.

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September 8, 2026

A Closer Look at Homeowners Insurance Premiums, 2011–2026

Michael J. Marshall and Gerald Flood on what a decade of data says about the homeowners insurance run-up — where premiums rose fastest, why the increases were a repricing rather than a windfall, and what's changed heading into 2026.

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September 1, 2026

The Gate House Index — August 2026

FHA's DPA share hits a 16-year high, half of outstanding mortgages still carry sub-4% rates, and the data behind why rate lock-in keeps reshaping who buys, sells, and waits.

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August 22, 2026

Inside Voices — August 2026

FHA’s proposed partial claim modernization, manufactured housing’s role in the ROAD to Housing Act, renewed congressional scrutiny of the FHLBs, a CFPB regulatory reassessment, and new AI vendor-readiness requirements.

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August 15, 2026

Three Questions: Michael Marshall

Michael J. Marshall on why the mortgage rate lock-in effect is easing only in fits and starts, how locked-in homeowners are turning to second liens instead of selling, and what it means for housing turnover and affordability.

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August 8, 2026

FHA's Tenuous Road with Downpayment Assistance

Brian D. Montgomery on FHA’s long, cautionary history with downpayment assistance, the risks of a new zero-down mortgage proposal, and the lessons of the 2008 housing crisis.

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August 1, 2026

The Gate House Index — July 2026

In honor of America's 250th birthday, this month's Gate House Index charts the nation's growth from 2.5 million people to today — population, urbanization, the Homestead Act's 270 million transferred acres, homeownership rates, and the $50+ trillion in residential real estate value now underpinning the American economy.

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July 22, 2026

Inside Voices — July 2026

FHA’s modernization push through recent Mortgagee Letters, a widening gap between FHA and conventional delinquency rates, Bill Pulte’s dual mandate at FHFA and ODNI, and the housing market’s $30 trillion equity cushion.

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July 15, 2026

Three Questions: Mike Frueh

Mike Frueh on the new VA Partial Claim loss mitigation program, the VA Home Loan Affordability Act, and funding fee tradeoffs in the VA Omnibus bill.

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July 8, 2026

America’s 250th Birthday: A Housing Finance Journey Through the Nation’s History

As we approach the 250th July 4th celebration, for this special (and lengthier) edition of Think Piece, our partner Brian Montgomery reflects on the history of the housing and housing finance industry, its remarkable evolution and growth over two and a half centuries, and the ways in which it has adapted to meet the nation’s significant challenges, and even, perhaps, contributed to the Founders' vision of life, liberty, and the pursuit of happiness for ordinary Americans.

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July 1, 2026

The Gate House Index — June 2026

A look at HUD multifamily NEPA review timelines, the $17 billion in federal housing finance still running through them despite a statutory exemption, and a comparison of VantageScore 4.0 vs. Classic FICO score distributions.

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June 22, 2026

Inside Voices — June 2026

The 21st Century ROAD to Housing Act clears the House 396–13; HUD releases a construction best practices report; manufactured housing gets a potential chassis overhaul; appraisal modernization accelerates; and VA expands benefits and launches a new partial claim program.

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June 15, 2026

Three Questions: Keith Becker

FHFA and FHA approved VantageScore 4.0 alongside legacy FICO models—a major shift in mortgage underwriting. Keith Becker breaks down what changed, who benefits, and the operational and risk management challenges ahead.

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June 8, 2026

NEPA Reform: Congress Ordered the Hostages be Freed in 2023 – Loosening the Shackles on Multifamily Housing

In 2023, Congress excluded federally backed housing loans from NEPA—yet HUD and USDA still require it. Paul Compton explains what the law says, why agencies haven’t acted, and what that delay costs the industry.

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June 1, 2026

The Gate House Index — May 2026

Homeownership affordability relative to median income, cryptocurrency ownership rates and household demographics, geographic distribution of crypto wealth across U.S. households, and Bitcoin volatility trends.

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May 22, 2026

Inside Voices — May 2026

The Economic Report of the President on housing supply, Ginnie Mae’s TPP delinquency fix, VantageScore acceptance, new construction energy code rollback, and the Fed Chair transition.

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May 15, 2026

Three Questions: Michael Marshall

Michael Marshall on Fannie Mae’s new crypto asset policy, how it aligns with the GENIUS Act, and what the future of digital assets means for mortgage lending.

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May 8, 2026

President Trump Executive Orders on Housing: Key Implications for HUD and FHA

Brian Montgomery on President Trump’s housing executive orders and their key implications for HUD and FHA, including appraisal modernization, servicing reform, digitization, and housing supply.

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May 1, 2026

The Gate House Index — April 2026

Rising insurance costs, credit loss dynamics, AI adoption trends, and the growing gap between AI investment and real-world implementation in mortgage finance.

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April 22, 2026

Inside Voices — April 2026

A sweeping housing executive order, bipartisan legislation nearing the finish line, expanding HUD responsibilities, insurance policy shifts, and the growing impact of student debt on homeownership.

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April 15, 2026

Three Questions: Keith Becker

Keith Becker on rising homeowners’ insurance costs, the tradeoffs of new GSE policy shifts, and the broader implications for affordability, risk, and credit access.

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April 8, 2026

AI Regulation in Mortgage Finance: Navigating Risk and Fragmentation

Michael Marshall on AI’s rapid transformation of mortgage finance, the risks of bias and fraud, and the growing need for a clear federal regulatory framework.

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April 1, 2026

The Gate House Index — March 2026

Institutional investor ownership of single-family homes, the cost of regulations, AI in lending, bank strength, and other key housing and mortgage indicators.

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March 22, 2026

Inside Voices — March 2026

State of the Union housing signals, bipartisan manufactured housing reform efforts, debate over bank capital rules and nonbank risk governance and liquidity, and rising calls for consistent federal AI standards in mortgage lending.

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March 15, 2026

Three Questions: Rodney Hood

Rodney Hood on AI’s role in expanding financial inclusion, the importance of model transparency and governance, and the continued strength of the U.S. financial system.

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March 8, 2026

The Bipartisan Housing Deal: Where Things Stand

Len Wolfson on the bipartisan housing package advancing in Congress and what comes next.

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March 1, 2026

The Gate House Index — February 2026

VA market share trends, home price moderation, buyer/seller dynamics, sales activity, listing levels, and time-on-market indicators.

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February 22, 2026

Inside Voices — February 2026

Davos housing signals, HUD oversight priorities, FHA foreclosure updates, Ginnie Mae’s growing footprint, VA fee debates, and AI in underwriting.

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February 15, 2026

Three Questions: Michael Marshall

Michael Marshall on the emerging “buyers’ market,” persistent structural shortages, and supply-side solutions.

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February 8, 2026

Not Your Father’s VA Home Loan

Michael Frueh on the evolution of the VA Home Loan from GI Bill roots to a modern, flexible, and battle-tested mortgage program.

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February 1, 2026

The Gate House Index — January 2026

Key housing and mortgage indicators

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January 22, 2026

Inside Voices — January 2026

What we’re hearing across industry and policy circles

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January 15, 2026

Three Questions: Cecily King

Cecily King on 2026 developer challenges

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January 8, 2026

One Additional Big Change for Mortgage Finance Needed

Brian Montgomery on greater independence for Ginnie Mae and FHA

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January 1, 2026

Annual Report Reaction — January 2026

Keith Becker on FHA’s 2025 Report to Congress

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January 1, 2026

The Gate House Index — December 2025

Key 2026 forecasts for growth, inflation, rates, housing activity, and originations.

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December 22, 2025

Inside Voices — December 2025

HUD reopening, FHA delinquencies, GSE developments, AI policy debates, and CFPB updates.

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December 15, 2025

Three Questions: Joseph Gormley

Joseph Gormley on Ginnie Mae’s priorities, capital markets, and modernization efforts.

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December 8, 2025

1. What is a big change you saw happening for the housing and housing finance world in 2025?

Housing leaders reflect on 2025’s biggest shifts and what’s ahead in 2026.

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December 1, 2025

The Gate House Index — November 2025

Enforcement trends, BNPL growth and delinquency data, state activity, and historical FHA context.

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November 22, 2025

Inside Voices — November 2025

Shutdown impacts, ROAD to Housing developments, reverse mortgage reform signals, FICO changes, housing supply pressure, and rising AI-related fraud.

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November 15, 2025

Three Questions: Keith Becker

Keith Becker on Buy Now, Pay Later — data gaps, underwriting risks, and potential regulatory action.

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November 8, 2025

Managing Risk and Maximizing Opportunity Through Litigation Mitigation

Michael Waldron on litigation mitigation strategies as federal enforcement declines and state/private actions rise.

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November 1, 2025

The Gate House Index — October 2025

Home price and square-foot trends, affordability shifts, mortgage debt growth, and rising home equity — especially among seniors.

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October 22, 2025

Inside Voices — October 2025

Government shutdown risks, potential housing emergency actions, FHA waterfall updates, and CWCOT program developments.

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October 15, 2025

Three Questions: Steve Irwin

Steve Irwin on the reverse mortgage market — demographic demand, investor appetite, underwriting, and technology standardization.

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October 8, 2025

Innovation in American Home Construction Will Soon Meaningfully Alter Housing in America

Michael Marshall on how innovation in modular, manufactured, 3D-printed, and AI-driven construction could lower costs and reshape housing supply.

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October 1, 2025

The Gate House Index — September 2025

Disaster recovery appropriations trends, rising insurance premiums, and the growing role of state housing finance agencies in homeownership and rental production.

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September 22, 2025

Inside Voices — September 2025

ROAD Act progress, condo market bottlenecks, rising insurance costs, HUD language policy changes, and renewed GSE IPO speculation.

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September 15, 2025

Three Questions: Stockton Williams

Stockton Williams on the bipartisan momentum behind the ROAD to Housing Act and the critical partnership between state HFAs, lenders, and HUD.

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September 8, 2025

HUD’s Role in Natural Disaster Recovery

Earl Randall and Hunter Kurtz on HUD’s long-term role in disaster recovery, the evolution of CDBG-DR, and efforts to make the program permanent.

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September 1, 2025

The Gate House Index — August 2025

FHA market share trends, delinquency dynamics, foreclosure levels, securitization shifts, and HUD’s regulatory rollback efforts.

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August 22, 2025

Inside Voices — August 2025

Credit reporting shakeups, CWCOT scrutiny, rising hazard insurance risk, escalating mortgage fraud, HUD leadership updates, and renewed GSE exit debates.

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August 15, 2025

Three Questions: Michael Waldron

Michael Waldron on navigating a shifting enforcement environment and using compliance as a strategic advantage.

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August 8, 2025

Rescissions Streamline FHA Lending as the Administration Seeks to Cut Red Tape

Brian Montgomery on FHA rescissions, red-tape reduction, and the Administration’s push to streamline origination, servicing, and compliance standards.

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August 1, 2025

The Gate House Index — July 2025

Household growth vs. housing stock, mortgage payment-to-income pressures, competing shortage estimates, delinquency drivers, and supply-demand indicators.

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July 22, 2025

Inside Voices — July 2025

Reconciliation bill housing provisions, AI regulatory battles, FHA rescissions and foreclosure guidance, VA partial claim restoration, crypto in mortgage underwriting, CFPB shifts, BNPL scrutiny, and trigger lead reform.

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July 15, 2025

Three Questions: Dror Oppenheimer

Dror Oppenheimer on the post-pandemic loss mitigation reset, rising insurance pressures, and evolving risk management within FHA’s portfolio.

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July 8, 2025

The U.S. Housing Market’s Supply Dilemma

Michael Marshall and Gerald Flood on America’s housing supply dilemma — competing shortage estimates, structural underbuilding, affordability strain, and policy pathways to expand supply.

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July 1, 2025

The Gate House Index — June 2025

FHA partial claim trends, VA and FHA delinquency shifts, foreclosure pressures, and early signals on housing supply dynamics.

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June 22, 2025

Inside Voices — June 2025

CFPB retrenchment, FHA policy resets, FHFA reorganization and fraud focus, AI-powered underwriting advances, and rising delinquency concerns.

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June 15, 2025

Three Questions: Liz Scholz

Liz Scholz on ending Fannie Mae and Freddie Mac conservatorship — capital plans, UMBS safeguards, and managing market stability.

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June 8, 2025

A Benefit for Our Nation’s Warriors (and the VA Home Loan Program)

Keith Becker on restoring the VA partial claim — strengthening home retention for veterans while protecting taxpayers and the VA Home Loan Program.

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June 1, 2025

The Gate House Index — May 2025

FHA’s countercyclical role, delinquency drivers, foreclosure trends, Ginnie Mae market share growth, and evolving MBS dynamics.

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May 22, 2025

Inside Voices — May 2025

Rising FHA delinquencies, DACA eligibility shifts, loss mitigation transitions, SDQ trends, and the end of VASP amid calls for VA partial claim authority.

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May 15, 2025

Three Questions: Brian Montgomery

Brian Montgomery on why RESPA belongs back at HUD — restoring housing-focused oversight and regulatory clarity.

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May 8, 2025

When Allegations of Appraisal Bias Put Lenders “Between a Rock and a Hard Place”

Paul Hancock on appraisal bias allegations, TILA independence rules, FHA policy rescissions, and how lenders can navigate fair lending risk without crossing legal lines.

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May 1, 2025

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Letter to the Editor: Brian D. Montgomery Responds to The Wall Street Journal’s “UWM Is a Government Mortgage Canary”

Michael Frueh Joins Gate House Team

Gate House's Keith Becker on Critical VA Loan Program Changes

What Awaits our new HUD Secretary

3 Questions for Gate House’s Hunter Kurtz

3 Questions from Gate House for Steve O’Connor

3 Questions from Gate House for Tim Rood

3 Questions for Gate House Compliance Team Member Mike Forester

3 Questions for Gate House Compliance’s Dror Oppenheimer

Modern Day Redlining - Fair Lending and Servicing Compliance Challenging the industry Today

The Man Who Played a Central Role in the Passage of the Fair Housing Act

A Time to be Vigilant

Housing Market Update – January 7, 2024

Gate House Chairman Brian Montgomery weighs in on the regulatory landscape with respect to fair lending and the need for financial service executives to be proactive

Housing Market Recap (excerpted from Gate House’s weekly note to clients) December 1, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) September 1, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 25, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 18, 2023

Gate House Partner Hunter Kurtz shares his insights on the challenges for lawmakers around affordable housing at the Millennial Action Project Future Summit 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) August 8, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 26, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 19, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) July 12, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 27, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 22, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 13, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) June 6, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 17, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 10, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) May 3, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) April 10, 2023

Housing Market Recap (excerpted from Gate House’s weekly note to clients) April 5, 2023

Housing Market Recap Gate House’s weekly March 27, 2023

Gate House Partners Weigh in on Challenges in the Reverse Mortgage Market

Gate House Partner Hunter Kurtz joins “Change Makers with Katie Goar”

Dain Ehring: AI Mortgage Genie Out Of The Bottle

Gate House Strategies Celebrates One Year, Announces the formation of Gate House Digital

HUD Foster Youth to Independence Initiative Received Well-Deserved Recognition for Innovative Approach

The Positive Capital Ratio for the HECM Program Is No Time for Complacency

Montgomery, Becker, Oppenheimer: Reverse Mortgage Capital Ratio Turns Positive, But No Time for Complacency, Reverse Mortgage Daily

FHA Should Prepare for the Next Storm, Hold Steady on Premiums

America’s Call to Duty to End Veterans Homelessness

Reflections on a Career in Public Service

9-11 Twenty Years On

HECM Program Has Evolved as Secretary-Held Portfolio Has Grown, Servicing Challenges Rise

Two Weeks On

Opportunities And Challenges Abound In Affordable Housing: Advice Needed

Inside Voices — November 2026

Three Questions: Shawn Telford

Modernizing Mortgage Credit Scores: More Competition, Open Questions About Risk

The Gate House Index — October 2026

Inside Voices — October 2026

Three Questions: Hunter Kurtz

Voter Sentiment on Housing and Affordability Heading into the Midterm Elections

The Gate House Index — September 2026

Inside Voices — September 2026

Three Questions: Dror Oppenheimer

A Closer Look at Homeowners Insurance Premiums, 2011–2026

The Gate House Index — August 2026

Inside Voices — August 2026

Three Questions: Michael Marshall

FHA's Tenuous Road with Downpayment Assistance

The Gate House Index — July 2026

Inside Voices — July 2026

Three Questions: Mike Frueh

America’s 250th Birthday: A Housing Finance Journey Through the Nation’s History

The Gate House Index — June 2026

Inside Voices — June 2026

Three Questions: Keith Becker

NEPA Reform: Congress Ordered the Hostages be Freed in 2023 – Loosening the Shackles on Multifamily Housing

The Gate House Index — May 2026

Inside Voices — May 2026

Three Questions: Michael Marshall

President Trump Executive Orders on Housing: Key Implications for HUD and FHA

The Gate House Index — April 2026

Inside Voices — April 2026

Three Questions: Keith Becker

Powering Collaboration Between
‍Public and Private Sectors.