A frequent topic in this Commentary is how lenders are responsible for only a small portion of the affordability issue. A big hit to affordability is insurance, and thank you to Kevin K. for passing along this story focused on fire resilience and home upgrades and how they may address insurance costs. Trying to plan for natural events is a full-time job that occupies many, as is thinking about the future of technology. On today’s Last Word presented by TRUE at 1PM ET, Brian Vieaux, Courtney Thompson, and Kevin Peranio break down a busy week across mortgage and capital markets, including hot takes on technology amid recent industry shifts. The panel also examines Venezuela’s potential market impact, shares projections for 2026, and wraps with each host offering their word or resolution for the year ahead. (Today’s podcast can be found here. Today’s has interview with loanDepot’s Jeff Dergurahian on the key data shaping 2026 forecasts, challenges to market consensus on rates and volume, and how originators can translate economic uncertainty into trusted, client-centric guidance.) PHH Webinar Series PHH Mortgage is excited to offer free webinars (live and on-demand) on a variety of topics. Next week, they will host two webinars on PHH’s non-Agency product line, FlexIQ. On Tuesday, January 13 at 1 pm EST, “PHH Mortgage Presents: Introduction to FlexIQ,” and on Thursday, January 15 at 12 pm EST, “PHH Mortgage Presents: FlexIQ Bank Statement Essentials.” Register for these courses or view archived courses here.