Thirty years is not a relationship
Borrower trust has four mechanisms, and AI can expose invisible failures at scale
Dream Finders bets empty nesters want amenities, not age limits
Reverie active adult brand targets Gen X buyers seeking amenities and connection, while builders look to protect margins
Luminate Bank acquires select assets of First State Mortgage Services
Luminate adds volume and a larger Midwest presence
Toll Brothers luxury moat meets a tougher market test
Cash buyers were 25% of deliveries, and the average loan-to-value was 69% in fiscal Q3
