Tag: DepthPR

BUFFALO, N.Y. /Massachusetts Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks, and brokers, today announced the latest release of the Homebuyer Intelligence Report, a quarterly summary of insights into borrower behavior during the home buying process based on data collected by the LenderLogix suite of tools. The latest report covers data collected during the pre-approval and borrower application process during the first quarter (Q1) of 2024.

LAKE ZURICH, Ill. /Massachusetts Newswire - National News/ -- Dovenmuehle Mortgage, Inc. (Dovenmuehle), a leading residential mortgage subservicer, announced today that it has hired Aaron Belovsky as Chief Data Officer (CDO). In this role, Belovsky will lead data governance, data engineering and machine learning strategies.

JACKSONVILLE, Fla. /Massachusetts Newswire - National News/ -- Dark Matter Technologies (Dark Matter), an innovative new leader in mortgage technology backed by time-tested loan origination software and leadership, today announced that its Chief Risk and Information Security Officer Michael Housch has been named to CISOs Connect(tm)'s 2024 list of the top 100 CISOs in North America. Housch was recognized for his role as Dark Matter's chief risk and information security officer as well as for his contributions to the cybersecurity community at large.

PLANO, Texas /Massachusetts Newswire - National News/ -- Optimal Blue today announced that it has elevated Rick Allen to chief operating officer (COO). Most recently serving as Optimal Blue's chief administrative officer, Allen brings more than 35 years of experience in the housing industry to his senior leadership role. Throughout his tenure at Optimal Blue, Allen has played an integral role in the enhancement and delivery of products to add exceptional value to the company's clients.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced an enhanced integration with customer engagement platform Total Expert. This collaboration enables loan originators to effortlessly send pre-populated loan applications to borrowers, leveraging the existing data within Total Expert. This feature is designed to streamline the loan origination process for lenders and enhance the application experience for borrowers by reducing redundant data entry.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting homebuyers with homebuyer assistance programs, today announced that Heartland Multiple Listing Service (MLS) has implemented its tools to notify real estate agents when homebuyers may be eligible for down payment assistance. According to a DPR analysis, 87% of Heartland MLS's listings are eligible for one or more homebuyer assistance programs.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue released its March 2024 Originations Market Monitor report, which reveals the average homebuyer credit score has reached 737 - an all-time high since the company began tracking this data in January 2018. Despite the potential buyer pool being somewhat limited to borrowers with higher credit, rate lock volume showed steady month-over-month growth of 17% in March as the spring buying season got underway.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, announced the release of its quarterly ACES Mortgage QC Industry Trends Report covering the third quarter (Q3) of 2023. The latest report analyzes post-closing quality control data derived from ACES Quality Management & Control® software.

SALT LAKE CITY, Utah /Massachusetts Newswire - National News/ -- Mobility Market Intelligence (MMI), a leader in data intelligence and market insight tools for the mortgage and real estate industries, announced today that Ryan Minard is its newest senior sales engineer. With more than 17 years of collective experience in mortgage and creative marketing, Minard's expertise lies in applying an empathetic approach to address mortgage lenders' marketing and business challenges.

GARDEN GROVE, Calif. /Massachusetts Newswire - National News/ -- Informative Research, a leading technology platform that delivers data-driven solutions to the lending community, announced the integration of Veri-Tax, the market leader in delivering the industry's fastest verifications, into its proprietary Verification Platform. The integration merges Informative Research's platform with Veri-Tax's verification services so lenders can access advanced validation tools that elevate the accuracy and reliability of borrower information.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that President and General Manager Sofia Rossato has been named as a board advisor to the newly formed board of Broker Action Coalition (BAC), a nonprofit organization created in 2022 to advocate for legislative reform and educational advancement within the independent mortgage broker community.

LAKE ZURICH, Ill. /Massachusetts Newswire - National News/ -- Dovenmuehle Mortgage, Inc. (Dovenmuehle), a leading residential mortgage subservicer, announced today that Moody's Investors Service ("Moody's") has affirmed its servicer quality (SQ) assessment as a servicer of prime residential mortgage loans at SQ2-. Moody's assessment underscores Dovenmuehle's exceptional capabilities across various key areas of mortgage servicing.

JACKSONVILLE, Fla. /Massachusetts Newswire - National News/ -- Dark Matter Technologies (Dark Matter), an innovative new leader in mortgage technology backed by time-tested loan origination software and leadership, today announced that its Chief Financial Officer (CFO) Bill Warden has been recognized on the 2024 list of The Top 25 CFOs of Jacksonville. The Top CFOs awards program honors highly respected CFOs who have driven growth in their companies and the city's business community, solidifying Jacksonville as an economic giant.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, is a 2024 recipient of the PROGRESS in Lending Association's 2024 Innovations Award honoring the most innovative companies in the U.S. mortgage industry. Argyle was recognized for its revolutionary approach to verification of income and employment (VOIE) that delivers meaningful cost savings for lenders and a superior experience for customers.

ADDISON, Texas /Massachusetts Newswire - National News/ -- Click n' Close, a multi-state mortgage lender, today announced its Preferred Partner status with The Mortgage Collaborative (TMC), a leader in mortgage cooperatives dedicated to providing its members with cutting-edge technology and expert mortgage banking resources.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, today announced the addition of Jason Cave, former chief fintech officer and deputy director of the Federal Housing Finance Agency's Division of Conservatorship Oversight and Readiness, to its board of advisors.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, the leading provider of direct-source income and employment data, has been named one of 2024's Most Innovative Companies by Fast Company. After evaluating a field of thousands of organizations worldwide, Fast Company editors, reporters and contributors ranked Argyle #5 globally for innovation in the Personal Finance category.

PLANO, Texas /Massachusetts Newswire - National News/ -- Optimal Blue announced today that it has appointed Sara Holtz as chief marketing officer. As a seasoned marketing and communications leader, Holtz brings more than 20 years of career experience, including a decade of driving change in the mortgage industry. As chief marketing officer, Holtz will drive unified marketing and communications strategies to advance Optimal Blue's business priorities and further extend the company's influence.

ADDISON, Texas /Massachusetts Newswire - National News/ -- Click n' Close, a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels, announced its latest mortgage product, One-Time Close (OTC) loan programs for government-insured mortgage products. This product is designed to aid homebuyers in rural America with down payment assistance, with availability in select markets.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, has joined The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, as a preferred partner. As a member of TMC's Preferred Partner Network, Argyle will provide the cooperative's lender members discounted access to its exemplary customer service and award-winning income and employment verification (VOIE) services, which outperform legacy verification services for a fraction of their cost.

HOUSTON, Texas /Massachusetts Newswire - National News/ -- NotaryCam®, a Stewart-owned company and leading remote online notarization (RON) provider for real estate and legal transactions, announced significant growth in 2023, expanding its independent notary platform customer base by 46% and the number of loss mitigation-related RON transactions by 115%. The company also increased its medical credentialling remote notarizations by 45%, executing transactions in 160 out of 192 countries worldwide.

SALT LAKE CITY, Utah /Massachusetts Newswire - National News/ -- Mobility Market Intelligence (MMI), a leader in data intelligence and market insight tools for the mortgage and real estate industries, today announced it ranks No. 29 on Inc. 5000 Regionals: Rocky Mountain list, the most prestigious ranking of the fastest-growing Rocky Mountain private companies, based in Montana, Idaho, Wyoming, Nevada, Utah, and Colorado.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS), today announced the launch of Lender Edition, a newly badged version of the popular mortgage point-of-sale that introduces a flexible per-loan pricing option for mortgage lenders. Floify Lender Edition is the counterpart to Broker Edition, a one-stop lending platform configured for the needs of mortgage brokers that was introduced in December 2023.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue released its February 2024 Originations Market Monitor report, which reveals that the spring homebuying season has kicked off with a jump in monthly purchase mortgage locks. The seasonal spike in purchase locks propelled a net increase in origination activity, even as higher interest rates led to steep declines in mortgage refinances.

AUSTIN, Texas /Massachusetts Newswire - National News/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced the completion of its "Pulse of the Network" survey for 2024. The full report features lenders' top five critical issues for the year, top 10 goals and anticipated strategies for success.

DES MOINES, Iowa /Massachusetts Newswire - National News/ -- iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, announced it has joined the American Credit Union Mortgage Association (ACUMA) as an affiliate member. Since its founding nearly a quarter century ago, iEmergent has worked with credit unions and other lenders to identify missed mortgage opportunities and close gaps in market coverage.

GARDEN GROVE, Calif. /Massachusetts Newswire - National News/ -- GARDEN GROVE, Calif., March 7, 2024 (SEND2PRESS NEWSWIRE) -- Informative Research, a leading technology platform that delivers data-driven solutions to the lending community, announced that lenders using Fannie Mae's Desktop Underwriter® (DU®) can now leverage a 12-month asset verification report to validate income and employment in addition to assets with a single asset report. By using direct deposit banking data to evaluate income and employment, lenders can streamline processes and improve the borrower experience.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that President and General Manager Sofia Rossato has been recognized as a National Mortgage Professional (NMP) 2024 Woman of Inspiration. The award recognizes women who are trailblazers, visionaries and leaders in the mortgage industry.

BUFFALO, N.Y. /Massachusetts Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks and brokers, announced the integration of AccountChek by Informative Research into its point-of-sale system LiteSpeed. This integration blends AccountChek's pioneering verification technology into LiteSpeed to seamlessly enhance the borrower experience and optimize the loan origination process to ensure a smooth experience for borrowers and users alike.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that Vice President, Housing Finance Authority (HFA) Relations, Veronica Khandelwal, has been named to the 2024 Women of Inspiration list by National Mortgage Professional, an American Business Media publication.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue announced its vice president of finance, Mike Schommer, has been honored as a 2024 HousingWire Finance Leader. The award program celebrates senior finance executives who have exhibited exceptional leadership in corporate finance, capital markets, and accounting within the mortgage and real estate sectors.

ADDISON, Texas /Massachusetts Newswire - National News/ -- Click n' Close, a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels, today announced Polly Cracchiolo has joined the organization's third-party originator (TPO) sales team as an account executive. In this new role, Cracchiolo will be under Ken Weislak's leadership, the National TPO Business Development Manager at Click n' Close.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, has announced its newest product offering, ACES Call Monitoring Audit Pack. The pre-built, configurable Call Monitoring Audit Pack enables lenders and servicers to establish an additional layer of protection quickly and seamlessly within their QC program. ACES Call Monitoring Audit Pack includes custom data fields, ACES managed questionnaires and custom reports configurable to the individual organizations' business needs.

JACKSONVILLE, Fla. /Massachusetts Newswire - National News/ -- Dark Matter Technologies (Dark Matter), an innovative new leader in mortgage technology backed by time-tested loan origination software and leadership, today announced the agenda for its Horizon User Conference. Open to Dark Matter clients and partners, the conference will take place at the Fontainebleau Miami Beach Hotel on April 24-25, 2024.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue announced the release of its Originations Market Monitor report, looking at mortgage origination data through January month-end. Leveraging daily rate lock data from the Optimal Blue PPE - the industry's most widely used product, pricing, and eligibility engine - the Originations Market Monitor provides a comprehensive and timely view into origination activity.

SALT LAKE CITY, Utah /Massachusetts Newswire - National News/ -- Mobility Market Intelligence (MMI), a leader in data intelligence and market insight tools for the mortgage and real estate industries, announced its inclusion in the 2024 HousingWire Tech100 Mortgage list. This year marks MMI's second appearance on the HW Tech100 list, which serves as a guide for identifying partners and solutions that address the daily challenges mortgage lenders and real estate professionals face every day.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, has been selected for the tenth consecutive year by HousingWire magazine for its annual TECH100 awards program. The magazine chose ACES for the continual innovation of its flagship quality control (QC) auditing platform, ACES Quality Management & Control® software.

LAKE ZURICH, Ill. /Massachusetts Newswire - National News/ -- Dovenmuehle Mortgage, Inc., a leading mortgage subservicing company, announced today that Plante Moran, PLLC, a public accounting and business advisory firm, has published the findings of its annual review of Dovenmuehle's subservicing operations via Service Organization Control (SOC) 1® Type 2 and SOC 2® Type 2 reports.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, announced the Executive Vice President of Compliance Amanda Phillips will be speaking at the 2024 Mortgage Bankers Association (MBA) Servicing Solutions Conference taking place February 20-23, 2024, at the Hyatt Regency in Orlando, Fla.

HOUSTON, Texas /Massachusetts Newswire - National News/ -- NotaryCam®, a Stewart-owned company and a pioneering provider of remote online notarization and identity verification/authentication technology for real estate and legal transactions, today announced its inclusion in the prestigious Tech100 awards program by HousingWire, a leading industry publication.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that its Founder and CEO Rob Chrane has been named a RISMedia 2024 Real Estate Newsmaker. Newsmakers are recognized for their contributions to the real estate industry and their efforts to positively impact the consumers and communities they serve.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that it selected Sylvia Alvarez, founder and executive director of Housing and Education Alliance (HEA), as the winner of its 2023 Beverly Faull Affordable Housing Leadership Award.

JACKSONVILLE, Fla. /Massachusetts Newswire - National News/ -- Dark Matter Technologies (Dark Matter), an innovative new leader in mortgage technology backed by time-tested loan origination software and leadership, today announced it has been named to HousingWire's 2024 Tech100 Mortgage list of companies shaping the future of the housing finance sector. HousingWire attributed the recognition to the cutting-edge technology behind the Empower(r) loan origination system (LOS), a comprehensive, bundled offering from Dark Matter that provides all-in-one mortgage origination functionality.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, today announced its debut on HousingWire's annual Tech100 Mortgage list of the most innovative companies in the housing finance industry. Argyle was recognized for modernizing the way lenders verify borrower income and employment, resulting in documented business outcomes that include higher conversion rates, 80% cost savings over legacy providers and a reduction in loan processing time of up to 5-7 days.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue announced its selection by HousingWire as a Tech100 Mortgage award winner. Now in its 12th year, HousingWire's Tech100 award program spotlights the most innovative and impactful tech organizations in housing.

ATHENS, Ga. /Massachusetts Newswire - National News/ -- FormFree® today announced it has been honored as a HousingWire Tech100 Mortgage award winner for a tenth year. The fintech was recognized for the launch of its Residual Knowledge Income Index(tm) (RIKI(tm)), an innovative method for measuring consumers' ability to pay for mortgages and other loans based on cash-flow analysis.

BUFFALO, N.Y. /Massachusetts Newswire - National News/ -- LenderLogix, a leading provider of mortgage automation software and application programming interfaces (APIs), today announced it has been named to HousingWire magazine's annual Tech100 list. The Tech100 award seeks to highlight the most innovative technology companies across the housing sector.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, announced that it has been named a HW Tech100 Mortgage award honoree. Floify was recognized as an exceedingly user-friendly point-of-sale (POS) whose easy-to-configure platform and rule-based automations have made it beloved among small and midsize lenders and mortgage brokers.

BUFFALO, N.Y. /Massachusetts Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks, and brokers, today announced the latest release of the Homebuyer Intelligence Report, a quarterly summary of insights into borrower behavior during the home buying process based on data collected by the LenderLogix suite of tools. The latest report covers data collected during the pre-approval and borrower application process during the fourth quarter (Q4) of 2023.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, has announced Fannie Mae Vice President Bill Cleary will speak at its annual ACES ENGAGE conference, taking place at the Ritz Carlton Dove Mountain hotel in Tucson, Ariz., May 19 - 21, 2024.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, today released its Q4 2023 Homeownership Program Index (HPI) report. During a year when home affordability hit a nearly four-decade low, housing agencies introduced 135 homebuyer assistance programs and expanded eligible inventory to make homeownership more accessible.

ADDISON, Texas /Massachusetts Newswire - National News/ -- Click n' Close, a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels, today announced Sean Drake has joined the organization's third-party originator (TPO) sales team as an account executive.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, commissioned an independent study of 150 high-performing loan originators (LOs) in 2023 to gain recruiting and retention insights. "High-performing" LOs were defined as being in the top 20% of closed loan dollars or volume.

JACKSONVILLE, Fla. /Massachusetts Newswire - National News/ -- Dark Matter Technologies (Dark Matter), an innovative new leader in mortgage technology backed by time-tested loan origination software and leadership, today announced the availability of a new, automated workflow in the Empower® loan origination system (LOS) that makes it easier for lenders to identify and qualify loan applicants who could benefit from evaluation of their positive rent payment history.

SEATTLE, Wash. /Massachusetts Newswire - National News/ -- iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced that its CEO Laird Nossuli will present at Seattle's inaugural Black Homeownership Symposium on January 26. Dr. Courtney Johnson Rose, president of the National Association of Real Estate Brokers (NAREB), one of the oldest minority trade associations in the nation and its foremost network of Black real estate professionals, will unveil the findings of the first-ever Washington state edition of the State of Housing in Black America (SHIBA) report.

DENVER, Colo. /Massachusetts Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, announced that, despite challenging mortgage market conditions, the company maintained a record growth path achieved over the last few years by adding more than a dozen of the leading lenders in the U.S. to its client roster in 2023.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue announced releases related to its publicly listed, native mobile app for the Optimal Blue PPE - the industry's most widely used product, pricing, and eligibility engine. The releases consist of a new mobile app for Android, as well as enhancements to the company's mobile offering for iOS.

PLANO, Texas /Massachusetts Newswire - National News/ -- Today, Optimal Blue announced the release of its Originations Market Monitor report, looking at mortgage origination data through December month-end. Leveraging daily rate lock data from the Optimal Blue PPE - the industry's most widely used product, pricing, and eligibility engine - the Originations Market Monitor provides a comprehensive and timely view into origination activity.

BOULDER, Colo. /Massachusetts Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that it has joined the American Credit Union Mortgage Association (ACUMA) as an affiliate member. Through its membership, Floify aims to help credit unions engage their members with an elevated home financing experience while supporting streamlined loan production with cost-saving tools.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced its Executive Vice President of Product and Operations Sean Moss has been selected as an Industry Titan by National Mortgage Professional (NMP) magazine. The award recognizes experienced professionals who show exceptional dedication, compassion and integrity who are improving the mortgage industry for both industry professionals and the clients they serve.

SAN DIEGO, Calif. /Massachusetts Newswire - National News/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, has wrapped up its fourth annual 12 Days of TMC, a virtual conference running from November 30 to December 15, 2023. The online event, spread over three weeks, featured several keynote speakers.

NEW YORK CITY, N.Y. /Massachusetts Newswire - National News/ -- Argyle, a platform providing automated income and employment verifications for some of the largest lenders in the United States, closed a banner year of mortgage growth with 50 new IMB, credit union and bank customers. The payroll connectivity leader more than doubled the annual volume of income and employment verifications conducted on behalf of its customers to 1.5 million with the help of 15 of the top 100 mortgage lenders.

NEWPORT BEACH, Calif. /Massachusetts Newswire - National News/ -- NotaryCam®, a Stewart-owned company and leading remote online notarization (RON) provider for real estate and legal transactions, announced today it will support remote online notarial acts in California beginning in 2024 following the passage of CA Senate Bill 696, which was signed into law by California Governor Gavin Newsom on September 30, 2023. Stage 1 of the bill takes effect on January 1, 2024.

BUFFALO, N.Y. /Massachusetts Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks and brokers, today announced that Legacy Mutual Mortgage has selected its pre-approval letter generation tool QuickQual to provide borrowers with a white-labeled, digitally-driven entry point into their homebuying experience.

ATLANTA, Ga. /Massachusetts Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced a $10,000 donation to the Atlanta Neighborhood Development Partnership to be used as a grant to help an eligible homebuyer working with the local nonprofit housing agency.