Deborah Kearns

Deborah Kearns is a freelance editor and writer with more than 15 years of experience covering real estate, mortgages and personal finance topics. Her work has appeared in The New York Times, Forbes Advisor, The Associated Press, MarketWatch, USA Today, MSN and HuffPost, among others. Deborah previously held editorial leadership and writing roles at NerdWallet, Bankrate, LendingTree and RE/MAX World Headquarters.

Posts by Deborah Kearns

CFPB

Fair Housing Groups Sue CFPB to Block New Anti-Discrimination Lending Rule

A coalition of fair housing and lending advocacy organizations filed a federal lawsuit against the Consumer Financial Protection Bureau (CFPB), challenging a new rule they say will lead to rampant discrimination in lending and roll back decades of fair housing protections. The National Fair Housing Alliance (NFHA), Rise Economy, BLDS LLC and SolasAI filed the…

homeownership

Report: Homeownership Costs Top 100% of Renter Income in 7 U.S. Metros

A new housing affordability index from the University of San Diego reveals that the total cost of homeownership surpassed renters’ income in some of the nation’s largest metros at the end of 2025. As the data shows, there’s a lot more that goes into the housing affordability equation that can make—or break—homebuyers’ ability to purchase…

RESPA

How High-Profile RESPA Litigation Could Reshape Mortgage, Real Estate Referrals

When Rocket Companies and Zillow find themselves in the crosshairs of federal litigation over alleged referral kickbacks, the industry takes notice. As the headlines fixate on the big players, a quieter anxiety is building among independent mortgage bankers (IMBs) and smaller lenders who lack the firepower to go toe-to-toe in a prolonged legal battle. The…

investors

Local Investors Outpace Builders in Delivering Affordable Starter Homes: Report

America’s housing affordability crisis isn’t solely caused by too few homes. It’s also because of too few usable ones. A new report from real estate marketplace New Western suggests that local fix-and-flip investors—not homebuilders—are key to helping solve the problem. The report, conducted in partnership with the National Association for Housing Revitalization (NAHR), found that…

rates

Higher Mortgage Rates Were Supposed to Cool Home Prices. How ‘Rate Lock-In Effect’ Got in the Way

When the Federal Reserve began aggressively raising interest rates in 2022, many analysts expected home prices to fall. But they didn’t. Instead, they soared. A new analysis from the Joint Center for Housing Studies (JCHS) at Harvard University helps explain why—and the answer is summed up in mortgage rate locks. From the start of 2021…

trust

Banking on Trust: How Brand Perception and Consumer Opinions Can Weigh on Your Business

The headlines about the real estate industry are everywhere. Compass acquired Anywhere Real Estate to create the largest real estate company by agent count. Zillow and Compass are locked in a Goliath-versus-Goliath legal battle over private listings. A wave of RESPA-related lawsuits alleges undisclosed referral kickbacks between real estate agents and mortgage companies. And then…

mortgage

Mixed Mortgage Message: Prepayments Tick Up on Refi Rush While FHA Foreclosure Activity Surges

Lower mortgage rates at the end of 2025 prompted a refinance rush among current homeowners, helping boost prepayment rates to their highest level in three years, according to a new report from ICE Mortgage Technology. The monthly mortgage prepayment rate rose to 0.91% in December, just below the 3.5‑year high set in October, ICE reported…

trump

Will Trump’s Flurry of Housing Proposals Move the Needle on Affordability?

President Donald Trump has floated several controversial ideas to help make housing affordable again. But his latest pitch—allowing Americans to tap 401(k) plans and 529 education savings accounts without penalties to fund their down payments—could have lasting financial consequences even if it helps with some upfront homeownership costs. According to a report from Politico, the…