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PODCAST

Beyond the Buildings

Get a new perspective on property. Host Maiclaire Bolton Smith, Vice President of Product Marketing at Cotality, goes in-depth with experts to understand how the property ecosystem is evolving, glean information on how to solve housing"s greatest challenges, and see what"s going to happen next.

technology

All Episodes

26:34

Which U.S. Metros Sit in the Crosshairs of Remote...

Beyond the Buildings ·

2024/01/10

In the first episode of Season 4 of Core Conversations, Host Maiclaire Bolton Smith and CoreLogic Chief Economist Selma Hepp dive into the aftermath of the pandemic's influence on migration patterns and how remote work has reshaped the housing landscape.While the pandemic may no longer dominate headlines, it continues to exert its influence. Remote work opportunities flourished, prompting an exodus from high-cost coastal metros to more affordable regions. This migration then spurred home price

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09:50

What Is the 2024 Economic Outlook for the Property...

Beyond the Buildings ·

2023/12/06

What is the future of the U.S. economy? Host Maiclaire Bolton Smith and CoreLogic Chief Economist Selma Hepp dive into this perennial question in the final episode of Core Conversations: Season 3.From incremental home sales increases to gradually declining mortgage rates, there is a lot that we can expect to happen in 2024. However, geopolitical risks, such as oil prices and inflation, have the potential to impact the trajectory of mortgage rates and change the development of the overall housing

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24:08

2023 Economic Look Back: A Tale of Two Housing Markets

Beyond the Buildings ·

2023/11/29

In the season finale of Core Conversations, host Maiclaire Bolton Smith and CoreLogic Chief Economist Selma Hepp dive into a discussion about the dynamic landscape of the U.S. housing market in 2023.This year, mortgage rates surged by almost 500 basis points, home prices catapulted by 42% over three years and mortgage payments witnessed a staggering 60% hike. This episode peels back the layers of the housing market, exploring the sometimes-contrasting contexts of the real estate sector with the

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16:25

Why the US Mortgage System Is a Shield From Inflation

Beyond the Buildings ·

2023/11/15

Ever wondered why the U.S. mortgage market offers 30-year, fixed-rate mortgages and what impact this unique loan offering has on housing prices? This is a question that host Maiclaire Bolton Smith and CoreLogic Professional Economist Thom Malone dive into during part two of this episode on the differences between the U.S. and international housing markets.From the surprising benefits of the U.S. system for homeowners to the potential hazards in concentrating mortgage risk, this conversation explores

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23:12

Why US Property Retains Its Value Compared to Other...

Beyond the Buildings ·

2023/11/08

Property is the world’s largest asset class, so any fluctuation within this market has far-reaching effects. Just consider how property values in countries like Australia, New Zealand, Canada, the U.K., and the U.S. have sent ripples throughout the global economy.There are many factors that affect the housing market, and one is the amount of investment activity. Investors contributed to the dramatic home price growth seen in recent years. The surge in investor activity significantly impacted home

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13:31

How Could Gig Work and Automation Lead to More...

Beyond the Buildings ·

2023/10/25

Instances of mortgage fraud have remained relatively stable in recent years. In the second quarter of 2023, CoreLogic estimates that 1 in 134 applications contained fraud, up from 1 in 131 during the same period in 2022. But that doesn’t mean that lenders shouldn’t be on the lookout for warning signs.In the2023 Mortgage Fraud Report, researchers found that suspected occupancy loans have nearly tripled since 2020. This type of fraud, which is difficult to spot during origination, typically occurs

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17:46

Occupancy Fraud May Be the Next Risk for the Mortgage...

Beyond the Buildings ·

2023/10/18

Elevated interest rates have had ripple effects across the U.S. property market. From the appearance of the lock-in effect, which has slowed down home purchases, to increasing questions of affordability, the climbing cost of taking out a mortgage has spurred many to consider how to lower the price tag.One trend that CoreLogic® has spotted in the property market is an increase in suspected occupancy fraud. In the 2023 Mortgage Fraud Report, researchers found that suspected occupancy loans have nearly

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10:32

How Will Climate Change Influence Wildfires in the US?

Beyond the Buildings ·

2023/10/04

Wildfires are an annual occurrence in many areas of the U.S. However, as our climate changes, fires are beginning to ignite in areas that are traditionally at low risk. Just look at the Hawaiian island of Maui.Despite the increasing number of regions experiencing wildfires, only about 9% of U.S. properties meet the threshold for high or extreme wildfire risk. So how exactly is this risk measured and what role can mitigation play in reducing this natural danger?In this episode host Maiclaire Bolton

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19:41

Does Low Wildfire Risk Create a False Sense of...

Beyond the Buildings ·

2023/09/27

Knowing the wildfire risk of a home is becoming increasingly important — both for homeowners and insurers. However, it is insufficient to simply know that there is a probability of a wildfire occurring at a certain property. It is imperative to understand the development of historic risks into current risks and how this score will evolve in the future. After all, low risk today does not mean no risk tomorrow.While only about 9% of U.S. properties meet the threshold for high or extreme wildfire risk,

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09:00

Are Insurers Prepared for an El Niño-Fueled Hurricane...

Beyond the Buildings ·

2023/09/13

El Niño has undoubtedly impacted the 2023 hurricane season. But it is not the only weather pattern that is exerting influence. Ocean temperature — also known as sea surface temperature — is also driving the storms swirling in the Atlantic Ocean. As reports of record-breaking temperatures in the Atlantic appeared this summer, scientists at the National Oceanic and Atmospheric Administration (NOAA) began to postulate that this season will be an above-average one.As the season progresses, the question

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16:19

Will Scorching Ocean Temps or El Niño Define...

Beyond the Buildings ·

2023/09/06

The 2023 hurricane season has so far been a wild ride — but that shouldn't be a surprise. With the El Niño Southern Oscillation (ENSO) swinging into an El Niño pattern and reports of triple-digit ocean temperatures in the Gulf of Mexico, June through November was bound to bring some noteworthy activity, and that pattern could continue.But what does the combination of El Niño — which is known to dampen hurricane activity — and record-breaking sea surface temperatures in the Atlantic have to do with

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10:45

Can Wildfire Mitigation Stop the California Insurer...

Beyond the Buildings ·

2023/08/23

More and more people live in high wildfire-risk areas across the United States. In fact, according to CoreLogic’s 2023 Wildfire Risk Report, California, Colorado and Texas lead the nation in the number of at-risk homes and their total reconstruction cost value. The influx of people into these areas means that there is continued demand for insurers to provide coverage, even though climate change is increasing the potential for and the severity of these wildfires.While some insurance companies have

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14:23

How Will Property Data Help Manage the California...

Beyond the Buildings ·

2023/08/16

Home insurance is a critical consideration when applying for a mortgage. Without insurance, it’s exceedingly difficult to purchase a property. However, with climate change influencing weather patterns and contributing to the increasing severity of natural disasters, some insurers are reassessing their coverage to better manage their risk.Insurance risk management is a topic that has cropped up in several U.S. states. This summer, Allstate and State Farm announced that they would no longer write new

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16:43

How Can Property Technology Delight Mortgage...

Beyond the Buildings ·

2023/08/02

In the ever-evolving landscape of the property market, recent years have been marked by volatility and unprecedented challenges. However, amidst this shifting environment, there is an opportunity for lenders to reassess their back-of-house operations and embrace the transformative potential of modern technology.As the market cools, the stage is set for lenders to revolutionize their processes and cater to the demands of today's discerning consumers. The key lies in embracing automation and

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19:26

Why Are Automated Mortgages Real Estate Technology's...

Beyond the Buildings ·

2023/07/26

The last several years have been volatile for the property market. However, as the market is slowing,that is freeing up space for lenders to consider their back-of-house processes and rehabilitate them to accommodate the demands of modern consumers. Largely, that means automating and digitizing processes. Think automated underwriting of the borrower and the property, think about a fully digital experience to close alone.And this is really where the future lies for the mortgage industry.By separating

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14:07

What is the Future of Mortgage Interest Rates in the...

Beyond the Buildings ·

2023/07/12

When it comes to financing a home in the current real estate market, the interest rate on a loan is of chief concern for buyers. That has resulted in a growing interest in rate locks from buyers, sellers, builders and lenders.In fact, rate locks as a negotiation technique have bubbled up to the surface as another tactic for lenders looking to secure loans in the current economy.In Part 2 of this episode, host Maiclaire Bolton Smith continues the conversation with CoreLogic Principal Economist Molly

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18:01

Are Rate Locks the Negotiation Key for Lenders to...

Beyond the Buildings ·

2023/07/05

Anyone who is buying a home with a mortgage almost certainly talks to their lender about interest rates. With real estate market trends defined by some of the highest interest rates in decades andannual home price growth reaching its lowest level in more than a decade, purchasing a property is an undertaking that requires buyers to look at the data and do the math.The current environment is also opening up rate locks to become a negotiation tactic — a technique that falls in and out of favor with

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13:11

How Can Property Data Influence Processes to Simplify...

Beyond the Buildings ·

2023/06/21

Modernization can be boiled down to an equation. The more data and automation available to improve the overall mortgage origination process, the more the overall cost to originate the loan goes down.In fact, one of the industry’s largest organizations, the Mortgage Industry Standards Maintenance Organization (MISMO), is working steadily to streamline the mortgage origination process by replacing paper forms with digital processes.In this episode, host Maiclaire Bolton Smith sits down with Sage

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15:29

MISMO's Guide to Reshaping the Mortgage Industry,...

Beyond the Buildings ·

2023/06/14

The word “mortgage” evokes myriad responses depending on one’s relationship with homeownership. But one thing is certain: Mortgages are a big deal for the U.S. — and global — economy. These property payment plans support a large portion of one of the world's largest asset classes and are, therefore, highly scrutinized.This has led to the mortgage industry garnering a reputation for slow processes and a hesitation to adapt to modern technological innovations. However, reputations are not always

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18:19

A Data Scientist's Guide to the Safest Places to Live...

Beyond the Buildings ·

2023/05/31

As climate change continues to influence weather patterns, not all areas of the U.S. will be equally exposed to natural hazard risks. While some locations may not be ideal choices for property investment in the future, there are other areas that data scientists have demonstrated will be sheltered from the damaging effects of natural catastrophes.In Part 2 of this episode, host Maiclaire Bolton Smith continues the conversation with CoreLogic Chief Scientist Howard Botts to see where the safest places

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