Robert Foreman Doctoral Candidate, Educational Technology Central Michigan University Email: forem1r@cmich.edu Phone: 480-415-0783
I help organizations turn data and artificial intelligence into practical business solutions.
Through NhanceData, I provide data consulting, AI training, analytics education, and customized workshops for professionals and organizations across industries. My focus is making complex technology understandable, useful, and immediately applicable to real-world work.
I am also a Professor of Artificial Intelligence and Business Analytics at Avila University, where I teach professionals how to use data, machine learning, and AI to solve business problems and make better decisions.
Whether your organization needs help building its AI capabilities, improving data literacy, training employees, or identifying practical ways to use AI and analytics, NhanceData can help bridge the gap between the technology and the people who need to use it.
Beginning November 2, 2026, Fannie Mae and Freddie Mac will require a new appraisal reporting standard known as UAD 3.6 for all new appraisal reports submitted through the…
As of July 13, the average 30-year fixed mortgage rate is around 6.75%, with Treasury yields continuing to climb as investors react to inflation concerns and geopolitical uncertainty….
A new startup called Ralo, founded by two former Google employees, just raised $2.9 million to build what they describe as an AI-powered mortgage broker. The platform uses…
The latest weekly mortgage data is in: • 30-Year Fixed: 6.37% (up from 6.30% last week)• 15-Year Fixed: 5.72% (up from 5.64% last week) At first glance, higher…
Mortgage rates are moving in the wrong direction again. The average 30-year fixed rate is now 6.38%, up from 6.22% just a week ago. The 15-year sits at…
Over the past year, I’ve been building something that sits at the intersection of data analytics, real estate, and education. Not theory. Not buzzwords.Applied analytics that actually drives…
Short answer: You don’t.Better answer: You model expectations. This is where I see a gap in our industry. Too many conversations around rates sound like: “I heard rates…
You already have it. It’s called Excel. Most professionals I talk to are sitting on valuable data (MLS exports, loan pipelines, past clients)… but they’re not using it….
Short answer: Yes… but not the way most people think. The Home Mortgage Disclosure Act (HMDA) dataset is one of the largest publicly available mortgage datasets in the…