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  <title>The Pulse with Greg Sher &amp; Jennifer McGuinness</title>

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  <copyright>© 2026 The Pulse with Greg Sher &amp; Jennifer McGuinness</copyright>
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  <description><![CDATA[<p>Every week brings more headlines. More opinions. More noise.</p><p><br></p><p><b>The Pulse</b> helps you find the signal.</p><p><br></p><p>Join Greg Sher and Jennifer McGuinness every other Tuesday as they go beyond the headlines to explore the biggest stories shaping housing, mortgage, technology, and policy—bringing thoughtful analysis, honest conversations, and practical insights for industry professionals who want to stay ahead.</p>]]></description>
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    <itunes:title>Episode 6: Pulte hits FICO hard - or does he?</itunes:title>
    <title>Episode 6: Pulte hits FICO hard - or does he?</title>
    <itunes:summary><![CDATA[FHFA Director Bill Pulte announced that VantageScore® and FICO will soon be using the same LLPA grip - no more allowance for the lesser known challenger.   What does this all mean to the market and FICO?  ]]></itunes:summary>
    <description><![CDATA[<p>FHFA Director Bill Pulte announced that <a href='https://www.linkedin.com/company/vantagescore/'><b>VantageScore®</b></a> and <a href='https://www.linkedin.com/company/fico/'><b>FICO</b></a> will soon be using the same LLPA grip - no more allowance for the lesser known challenger. <br/><br/>What does this all mean to the market and FICO? </p>]]></description>
    <content:encoded><![CDATA[<p>FHFA Director Bill Pulte announced that <a href='https://www.linkedin.com/company/vantagescore/'><b>VantageScore®</b></a> and <a href='https://www.linkedin.com/company/fico/'><b>FICO</b></a> will soon be using the same LLPA grip - no more allowance for the lesser known challenger. <br/><br/>What does this all mean to the market and FICO? </p>]]></content:encoded>
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    <itunes:author>Greg Sher</itunes:author>
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    <pubDate>Tue, 29 Sep 2026 13:00:00 -0400</pubDate>
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    <itunes:duration>2281</itunes:duration>
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    <itunes:season>1</itunes:season>
    <itunes:episode>6</itunes:episode>
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    <itunes:title>Episode 5: Could Housing Swing the Midterms?</itunes:title>
    <title>Episode 5: Could Housing Swing the Midterms?</title>
    <itunes:summary><![CDATA[*Released on Tuesday, Sep 15  Could housing help swing the midterms?  With affordability, mortgage rates and the cost of homeownership continuing to weigh on Americans, housing could become an increasingly important factor heading into the midterm elections.  On Episode 5 of The Pulse, Jennifer &amp; I will break down the mortgage and real estate finance moves the administration could make, and whether they could have a meaningful impact on voters and ultimately the outcome of the midterms.  ...]]></itunes:summary>
    <description><![CDATA[<p>*<em>Released on Tuesday, Sep 15</em><br/><br/>Could housing help swing the midterms?<br/><br/>With affordability, mortgage rates and the cost of homeownership continuing to weigh on Americans, housing could become an increasingly important factor heading into the midterm elections.<br/><br/>On Episode 5 of The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer</b></a> &amp; I will break down the mortgage and real estate finance moves the administration could make, and whether they could have a meaningful impact on voters and ultimately the outcome of the midterms.<br/><br/>What could actually move the needle? And how much influence can housing policy really have at the ballot box?</p>]]></description>
    <content:encoded><![CDATA[<p>*<em>Released on Tuesday, Sep 15</em><br/><br/>Could housing help swing the midterms?<br/><br/>With affordability, mortgage rates and the cost of homeownership continuing to weigh on Americans, housing could become an increasingly important factor heading into the midterm elections.<br/><br/>On Episode 5 of The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer</b></a> &amp; I will break down the mortgage and real estate finance moves the administration could make, and whether they could have a meaningful impact on voters and ultimately the outcome of the midterms.<br/><br/>What could actually move the needle? And how much influence can housing policy really have at the ballot box?</p>]]></content:encoded>
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    <pubDate>Mon, 28 Sep 2026 12:00:00 -0400</pubDate>
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    <itunes:duration>2600</itunes:duration>
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    <itunes:title>Episode 4: Better, UWM &amp; Non-QM: Is the Industry Getting It Wrong?</itunes:title>
    <title>Episode 4: Better, UWM &amp; Non-QM: Is the Industry Getting It Wrong?</title>
    <itunes:summary><![CDATA[This week on The Pulse, Jennifer &amp; I are cut through the noise on three major stories shaping the mortgage industry:  1. Better: Genius Visionary or Fiduciary Failure? Better’s numbers were finally improving. Did the board push Vishal Garg out just as his strategy was starting to work, or was it simply too little, too late?  2. UWM: On Its Way Out…or Reloading? A $451M loss and a suspended dividend vs. $39.7B in quarterly originations and a $2.05B lifeline from Oaktree. Is UWM in trouble,...]]></itunes:summary>
    <description><![CDATA[<p>This week on The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer</b></a> &amp; I are cut through the noise on three major stories shaping the mortgage industry:<br/><br/>1. Better: Genius Visionary or Fiduciary Failure?<br/>Better’s numbers were finally improving. Did the board push Vishal Garg out just as his strategy was starting to work, or was it simply too little, too late?<br/><br/>2. UWM: On Its Way Out…or Reloading?<br/>A $451M loss and a suspended dividend vs. $39.7B in quarterly originations and a $2.05B lifeline from Oaktree. Is UWM in trouble, or positioning itself to dominate wholesale when the market turns?<br/><br/>3. Non-QM Breaks 10% Market Share<br/>DSCR and bank statement loans are surging as conventional lending loses ground. Is Non-QM the lifeline loan officers need, or a growing credit risk the industry should be watching?<br/><br/>The Pulse: Less noise. More of what’s actually moving housing. </p>]]></description>
    <content:encoded><![CDATA[<p>This week on The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer</b></a> &amp; I are cut through the noise on three major stories shaping the mortgage industry:<br/><br/>1. Better: Genius Visionary or Fiduciary Failure?<br/>Better’s numbers were finally improving. Did the board push Vishal Garg out just as his strategy was starting to work, or was it simply too little, too late?<br/><br/>2. UWM: On Its Way Out…or Reloading?<br/>A $451M loss and a suspended dividend vs. $39.7B in quarterly originations and a $2.05B lifeline from Oaktree. Is UWM in trouble, or positioning itself to dominate wholesale when the market turns?<br/><br/>3. Non-QM Breaks 10% Market Share<br/>DSCR and bank statement loans are surging as conventional lending loses ground. Is Non-QM the lifeline loan officers need, or a growing credit risk the industry should be watching?<br/><br/>The Pulse: Less noise. More of what’s actually moving housing. </p>]]></content:encoded>
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    <pubDate>Tue, 25 Aug 2026 13:00:00 -0400</pubDate>
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    <itunes:duration>2288</itunes:duration>
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    <itunes:title>Episode 3: UWM, loanDepot &amp; NEXA: What&#39;s Next?</itunes:title>
    <title>Episode 3: UWM, loanDepot &amp; NEXA: What&#39;s Next?</title>
    <itunes:summary><![CDATA[Jennifer McGuinness-Lubbert and I are back next Tuesday breaking down three stories that could have lasting implications for the mortgage industry—not just next quarter, but for years to come.  This week's conversation: • UWM's capital infusion from Oaktree • loanDepot and NEXA's latest move • Should second-lien HELOCs still have a place in today's market?  Join us next Tuesday at 1PM EST as we separate the noise from the signal.  ]]></itunes:summary>
    <description><![CDATA[<p><a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer McGuinness-Lubbert</b></a> and I are back next Tuesday breaking down three stories that could have lasting implications for the mortgage industry—not just next quarter, but for years to come.<br/><br/>This week&apos;s conversation:<br/>• UWM&apos;s capital infusion from Oaktree<br/>• loanDepot and NEXA&apos;s latest move<br/>• Should second-lien HELOCs still have a place in today&apos;s market?<br/><br/>Join us next Tuesday at 1PM EST as we separate the noise from the signal. </p>]]></description>
    <content:encoded><![CDATA[<p><a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer McGuinness-Lubbert</b></a> and I are back next Tuesday breaking down three stories that could have lasting implications for the mortgage industry—not just next quarter, but for years to come.<br/><br/>This week&apos;s conversation:<br/>• UWM&apos;s capital infusion from Oaktree<br/>• loanDepot and NEXA&apos;s latest move<br/>• Should second-lien HELOCs still have a place in today&apos;s market?<br/><br/>Join us next Tuesday at 1PM EST as we separate the noise from the signal. </p>]]></content:encoded>
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    <pubDate>Tue, 11 Aug 2026 13:00:00 -0400</pubDate>
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    <itunes:duration>2808</itunes:duration>
    <itunes:keywords></itunes:keywords>
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    <itunes:title>Episode 2: Should The Industry Be Rooting For A Recession Or Not?</itunes:title>
    <title>Episode 2: Should The Industry Be Rooting For A Recession Or Not?</title>
    <itunes:summary><![CDATA[We’re back this Tuesday.  On The Pulse, Jennifer McGuinness-Lubbert &amp; I look beyond the headlines, separate signal from noise, and unpack the stories that could shape the future of housing.  This week:  • Should the industry be calling for a recession? Jen and I don’t agree on this one…  • Are income-based underwriting requirements broken? • What should the Fed be prioritizing with their task forces?  Join us Tuesday at 1 PM EST. ]]></itunes:summary>
    <description><![CDATA[<p>We’re back this Tuesday.<br/><br/>On The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer McGuinness-Lubbert</b></a> &amp; I look beyond the headlines, separate signal from noise, and unpack the stories that could shape the future of housing.<br/><br/>This week:<br/><br/>• Should the industry be calling for a recession? Jen and I don’t agree on this one… <br/>• Are income-based underwriting requirements broken?<br/>• What should the Fed be prioritizing with their task forces?<br/><br/>Join us Tuesday at 1 PM EST.</p>]]></description>
    <content:encoded><![CDATA[<p>We’re back this Tuesday.<br/><br/>On The Pulse, <a href='https://www.linkedin.com/in/jennifer-mcguinness-lubbert-2275b012/'><b>Jennifer McGuinness-Lubbert</b></a> &amp; I look beyond the headlines, separate signal from noise, and unpack the stories that could shape the future of housing.<br/><br/>This week:<br/><br/>• Should the industry be calling for a recession? Jen and I don’t agree on this one… <br/>• Are income-based underwriting requirements broken?<br/>• What should the Fed be prioritizing with their task forces?<br/><br/>Join us Tuesday at 1 PM EST.</p>]]></content:encoded>
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    <itunes:author>Greg Sher</itunes:author>
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    <pubDate>Tue, 28 Jul 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>2805</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>2</itunes:episode>
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    <itunes:title>The Pulse Premiere with Greg Sher &amp; Jennifer McGuinness</itunes:title>
    <title>The Pulse Premiere with Greg Sher &amp; Jennifer McGuinness</title>
    <itunes:summary><![CDATA[The wait is over.  The Pulse launches today.  Jennifer McGuinness and I are bringing you the reality behind the headlines—the context, the trends, and the insights shaping where we are today and where housing goes next!  Join us for the premiere. ]]></itunes:summary>
    <description><![CDATA[<p>The wait is over.<br/><br/>The Pulse launches today.<br/><br/>Jennifer McGuinness and I are bringing you the reality behind the headlines—the context, the trends, and the insights shaping where we are today and where housing goes next!<br/><br/>Join us for the premiere.</p>]]></description>
    <content:encoded><![CDATA[<p>The wait is over.<br/><br/>The Pulse launches today.<br/><br/>Jennifer McGuinness and I are bringing you the reality behind the headlines—the context, the trends, and the insights shaping where we are today and where housing goes next!<br/><br/>Join us for the premiere.</p>]]></content:encoded>
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    <pubDate>Tue, 14 Jul 2026 16:00:00 -0400</pubDate>
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