Crowdsourced Mortgages: Could the Crowd Replace Your Bank?
Crowdsourced Mortgages: Could the Crowd Replace Your Bank? TL;DR A lively debate on Reddit’s r/fintech community is asking a genuinely disruptive question: what if everyday people — not banks — funded each other’s home loans? The idea draws on the peer-to-peer lending playbook but applies it to one of the biggest, most illiquid financial products out there. The community discussion surfaces real tension between idealism and regulatory reality, with 26 commenters weighing in on whether this is the future of housing finance or a very complicated pipe dream. ...