White House sets 100-home ownership cutoff in proposed institutional homebuying 'ban'

📰 It's Monday, and we are here for you. Today's newsletter is 642 words, 2 minutes.

1. White House sets 100-home ownership cutoff in proposed institutional homebuying 'ban'

The White House sent Congress proposed language to ban investors owning more than 100 single-family homes from purchasing additional properties, a threshold likely to affect hundreds of firms that had hoped for a looser restriction.

In a Thursday memo to House and Senate committee leaders, the administration outlined its investor ban for the first time, including exemptions for investors who build or heavily renovate homes specifically for rental.

The proposal gives the Treasury Secretary authority to modify criteria such as exemptions and how to define a "large institutional investor." Some Democrats are pushing back, arguing the plan includes too many exemptions and doesn't require investors to sell existing properties.

2. January foreclosures jump 32% YoY

Foreclosure activity nationwide continued its year-over-year ascent in January 2026, according to the latest ATTOM Data January 2026 U.S. Foreclosure Market Report. 

For the 11th consecutive month, annual foreclosure filings rose, signaling a continuation of a trend that first emerged in early 2025.

In January, 40,534 properties nationwide reported foreclosure filings — which include default notices, scheduled auction notices, and bank repossessions — marking a 32% increase from January 2025.

Do You Run a Coaching Program for Loan Officers?

Thousands of mortgage loan officers are actively looking for guidance, systems, and growth strategies. If you offer coaching, consulting, masterminds, or training, this is your chance to reach a highly targeted audience of 30,000+ loan professionals.

Position your program where decision-makers are already paying attention.

Reserve your placement and get in front of the loan officers who are ready to grow.

3. More Nuggets

📊 Where home prices are rising—and where they’re falling. (ResiClub)

🏦 Bank of America overhauls rewards program. (BankingDive)

🌊 The biggest home sales in January. (Redfin)

📉 HUD proposes rule that would force noncitizens from public housing. (AP News)

⚖️ Supreme Court overturns Trump’s tariffs in 6-3 decision. (Axios)

🏡 New home sales picked up in November & December. (WSJ)

4. TransUnion: Purchase mortgages to lead credit growth in 2026

Mortgage originations will continue expanding through 2026, driven by easing rates, improved affordability, and strong consumer demand, according to TransUnion's latest credit forecast.

2026 projections:

• Purchase mortgages up 4.0%

• Refinances up 4.2%

• Purchase loans account for roughly 80% of total originations

5. HUD launches investigation into Texas housing marketed to Muslims

HUD has launched a fair housing investigation into the developers of a master-planned community northeast of Dallas that has been marketed to Muslims, saying they may have engaged in religious and national origin discrimination.

EPIC Real Properties and Community Capital Partners have repeatedly said that the East Plano Islamic Center’s The Meadow development, also known as “EPIC City,” planned for the Josephine, Texas, area is open to all.

On Monday, Texas Attorney General Ken Paxton sued Double R Municipal Utility District No. 2A of Hunt and Collin Counties and its officers after a series of actions “that appear designed to evade state oversight and support the illegal East Plano Islamic Center real estate development,” per an agency press release. Paxton had also filed a suit to stop the project in December 2025.

☀️ You’re all caught up. See you on Wednesday!

🚀 Wanna help our newsletter grow? Forward it to a friend or colleague.

Would you like to receive a ready-to-send weekly marketing email for your realtors and/or clients? Start your 30-day free trial here.

Was this email forwarded to you? Subscribe here.

Interested in advertising to 40k+ loan officers? Get in touch.