Leveraging Community Roots  When the Great Recession hit in 2008, America’s largest banks left a void in mortgage lending – one that...

Lenders picking up market share right now aren’t waiting for rates to drop. They’re adapting, innovating, and playing   offense while...

Everyone in the mortgage industry seems convinced that 7%+ rates are here to stay for 2025. Here’s why I think   they’ve got it wrong.  ...

As we begin 2025, it is imperative to examine how the evolving mortgage market is affecting first-time homebuyers. Historically, this...

In the mortgage industry, accurately assessing a company’s financial strength is crucial for both regulatory compliance and effective...

In recent years, workers in lower-paid industries have faced significantly tougher economic conditions than their higher-income...

I would be surprised if those homes in Southern California that have burned have paid enough premiums to insurance companies to cover...

Let’s go DOGE! Now that the Inauguration is over ( and Vivek Ramaswamy has apparently resigned ), I owe Elon Musk and the Department of...

As we celebrate Jimmy Carter’s life, thoughts turn to another underappreciated one-termer, George H.W. Bush and infamous “vision” gaffe....

Predicting the future is always a challenge, and no one has the crystal ball to foresee exactly what will happen in 2025, especially when...

Buzzwords are like that random cousin at Thanksgiving—they crash the party, dominate the conversation, and leave you wondering if they're...

As we embark on a new year, it’s essential for decision makers at mortgage companies to focus on setting clear goals and aligning...

No one expects conventional conforming rates to drop if & when they leave conservatorship which they’ve been in for over 16 years. The...

When a borrower locks a rate with a lender, the lender promises to hold that rate for the borrower until the loan closes. But there is a...

There are many different ways to sell things: a lemonade stand, a flea market, through Target, or at an auction, to name but a few....

My wife and I took the kids to London for their winter break. As the English would say, the trip was “just lovely,” filled with trips to...

There is obviously no tariff on lenders (lord knows we have enough financial hurdles), but tariffs do impact the supply and demand of...

Happy holidays from CFPB? With the holidays falling mid-week, I had expected a quiet year end where I could put these Musings away for a...

What’s the difference between government bonds and men? Bonds mature. Don’t worry… I won’t make your eyes glaze over. The question always...

'Twas the week before Christmas when all through the States, The market was slower, buyers wary of rates. Santa Powell made an...