What's New This Month

As we kick off 2026, West Virginia Bankers Title’s focus is on helping our clients stay informed and prepared for whatever the year brings. We’re here to support your business goals and resolutions, and we’ve set some of our own, too. We want to provide even better service that turns into lasting partnerships, clearer communication and to continue being the trusted resource you turn to for all your title insurance needs, questions and industry news.


We look forward to taking on this new year together and watching you thrive!


Best regards,

Rachel Showalter, Agency Operations Manager

Account Takeover Fraud via Impersonation of Financial Institution Support

The FBI is sounding the alarm about a surge in account takeover fraud, as cybercriminals pose as financial institution support staff to gain unauthorized access to accounts. Since January 2025, reported losses have exceeded $262 million, fueled by phishing, social engineering, and fake websites designed to steal login credentials. The warning highlights the increasing sophistication of these schemes and the heightened fraud risks facing consumers and organizations alike. Read this public service announcement to learn more.

What Experts Predicted Correctly for 2025 and What They Got Wrong

Experts accurately predicted several key housing shifts last year, including stabilized mortgage rates, rising inventory, price growth and a change in buyer demographics. However, they also miscalculated a few key areas, including forecasts for a sales rebound and lower rates. Read more to understand these hits and misses. They can help inform your 2026 plans and business trajectory.

West Virginia Ranks as One of the Cheapest States to Buy a Home

West Virginia ranks among the most affordable states in the nation, with a cost of living about 15% below the national average, according to new data from Ramsey Solutions. Lower housing costs, taxes and rural geography are driving increased interest from out-of-state buyers and retirees as the state gains attention as a budget-friendly alternative to higher-cost markets.

Innovation

Tech100 2025 winners are pushing mortgage and real estate innovation forward, with AI advancements across valuations, agent platforms, servicing and location intelligence. As highlighted by HousingWire, last year’s honorees continue to scale their impact and build momentum heading into the 2026 awards cycle.

Mortgage Trends

Reverse mortgages could become more affordable and easier to navigate under new proposals from the Mortgage Bankers Association, which urges HUD to reduce upfront costs, unlock more usable equity and modernize appraisals and counseling. If adopted, the changes could make reverse mortgages a more accessible and senior-friendly option by 2026. Get a clear breakdown of the proposed updates here.

Professional Development

Mortgage professionals can elevate their careers and industry authority with NAMB’s specialized certifications, which offer expert-level training in high-demand niches such as VA loans, FHA underwriting and reverse mortgages. By earning designations such as the CRMS or CVLS, brokers can distinguish themselves from the competition. Explore the full library of certification courses and professional development resources.

Market Highlights

Across the United States, you are watching a housing market that refuses to move. Owners with ultra-cheap mortgages are hanging on to their homes, and the result is a freeze in listings that keeps prices stubborn and choices thin, though new construction and builder incentives offer some relief. The lock-in effect that took hold when rates spiked is still shaping who can move, who must stay put and how much you pay if you try to buy or sell. Read the full story to learn more.

Make Your 2026 Goals Stick

The new year is a great time to set professional and personal goals—but staying on track can be tough. Behavioral economist Katy Milkman recommends strategies backed by science to help you follow through.


Instead of rigid targets, focus on habits that reflect your values and that you actually enjoy. Pair challenging tasks with something rewarding, build accountability with colleagues or peers and plan for disruptions so your momentum isn’t lost. Leveraging “mini fresh starts”—like the beginning of a week or month—can also help you reset and stay motivated. Here’s a full guide to building sustainable habits and achieving your goals, so you can make 2026 your most productive year yet.


Thank you for your continued partnership. We look forward to helping you reach your goals this year and beyond!