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One of the major drivers of November’s dropoff in the pace of existing-home sales is likely the implementation of the “Know Before You Owe” mortgage rule, commonly known as the TILA-RESPA Integrated Disclosure rule, which went into effect on October 3.

Home prices are still climbing higher, even though the season change has caused things to slow down quite a bit in the housing market.

Commentary is an ongoing series on theMReport.com that focuses on opinions, ideas, and insights from experts across mortgage banking. Wade Betz, VP of Sales at Guardian Mortgage explains how the holidays, although slow, can be the perfect time to ramp up lead generation.

Peer-to-peer lending, or crowdlending to unrelated people done outside of financial institutions has seen robust growth in recent years, especially among homeowners.

The share of residential home sales that are all-cash transactions has been on the steady decline for nearly five years. At their peak, all-cash sales accounted for nearly half of all home sales; now that percentage is down below one-third, according to data released by CoreLogic on Monday.

In his summary of six reports filed with the U.S. District Court for the District of Columbia released on Thursday, Independent Settlement Monitor Joseph A. Smith, Jr. and his team revealed no failed metrics among the servicers that were party to the National Mortgage Settlement in 2012.

The omnibus appropriations bill, which is a $1.1 trillion bipartisan spending bill that includes the extension of several tax relief provisions, was signed into law late last week.

Millennials face a variety of challenges, which may impact the future of the housing market. Editor's note: This select print feature appears in the December 2015 edition of MReport magazine, available now.

Commentary is an ongoing series on theMReport.com that focuses on opinions, ideas, and insights from experts across mortgage banking. Chris Backe, Business Development Director of Financial Services at Velocify, provided MReport with his three most important habits that help loan officers create winning sales strategies.

As the winter season presses on, the housing market is experiencing a seasonal slowdown in activity among home sales, prices, and inventory.