October 2025 – Chrisman Commentary

Halloween: Non-QM AE, LO jobs; recruiter service; servicing strategy, HELOC, tax tools; ; interview on rate movement; “subject to”…assumable GSE loans?

Posted on October 31June 2 by Rob Chrisman

Change is constant. Soon I head to Austin, in the Great State of Texas, for the TMBA’s star-studded Housing Summit where “change” will certainly be studied. JPMorgan is embracing block chain. Tired of your cleaning supplies smelling like lemon? How about pumpkin, or birthday cake ? “Rob, are you hearing from other brokers or LOs that their borrowers are demanding lower rates on their ‘lock’ since the Fed changed?” I am, and it is a great opportunity to be a knowledgeable human (instead of a…

Capital Markets Recap: October 31, 2025

Posted on October 31June 2 by Robbie Chrisman

First and foremost, the Federal Reserve lowered the federal funds rate by 25-basis points to a range of 3.75–4.00 percent, while also announcing the end of balance sheet runoff (“Quantitative Tightening”) as of December 1. However, despite the Fed rate cut, mortgage rates did not fully follow suit, as the Freddie Mac 30-year and 15-year averages fell only slightly to 6.17 percent and 5.41 percent, respectively. Many borrowers expressed frustration, expecting lower mortgage rates in response…

Halloween: Non-QM AE, LO jobs; recruiter service; servicing strategy, HELOC, tax tools; interview on rate movement;”subject to”…assumable GSE loans?

Posted on October 31 by Rob Chrisman

Change is constant. Soon I head to Austin, in the Great State of Texas, for the TMBA’s star-studded Housing Summit where “change” will certainly be […]

Oct. 30: Ops mgr., LO jobs; non-QM hedging, best-ex, compliance tools; internet webinars & training; Freddie & Redwood’s earnings

Posted on October 30June 2 by Rob Chrisman

Are you ready to change the time on your car’s clock, or leave it and let it be right again on March 8, 2026? Some technology is cool. Imagine controlling your iPhone entirely with your eyes . (That would really keep me from riding my bike and talking on the phone!) Food delivery robots have human names and blinking eyes. But they’re not our friends any more than the Russians are our allies. Every lender and title company knows that cybercriminals don’t take breaks, and neither do data…

Oct. 30: Ops mgr., LO jobs; non-QM hedging, best-ex, compliance tools; internet webinars & training; Freddie & Redwood’s earnings

Posted on October 30 by Rob Chrisman

Are you ready to change the time on your car’s clock, or leave it and let it be right again on March 8, 2026? Some […]

Oct. 29: AE, LO jobs; Hedging, HELOC, servicing oversight, AI assisted branding products; Fannie’s 31st consecutive quarterly profit

Posted on October 29June 2 by Rob Chrisman

“The U.S. Senate is considering a bill that would tax Botox. When Botox users heard this, they were horrified. Well, I think they were horrified. It’s difficult to tell.” Is anyone motivated to end the government shutdown? I mean, really motivated? One side sticking to their guns about healthcare, the other side is fine with slowing down the economy to move rates lower. And now we have the expiration of SNAP benefits . The impact on the overall economy seems to be minimal, although we…

Oct. 29: AE, LO jobs; Hedging, HELOC, servicing oversight, AI assisted branding products; Fannie’s 31st consecutive quarterly profit

Posted on October 29 by Rob Chrisman

“The U.S. Senate is considering a bill that would tax Botox. When Botox users heard this, they were horrified. Well, I think they were horrified. […]

Oct. 28: CTO, LO jobs; correspondent, buy before you sell, verification cascade tools; conventional conforming product changes; foreign buyer stats

Posted on October 28June 2 by Rob Chrisman

My cat Myrtle never liked Halloween, apparently believing it was for amateurs. Our nation has plenty of interesting historical sites related to ghosts and unpleasant things… like Salem, Massachusetts. It lives with the history of the Witch Trials of 1692 during which 19 women and men were executed on charges of witchcraft. Today, the most frightening thing about the place is the traffic in October, but also somewhat frightening is the price of real estate: if you want a decent place there,…

Oct. 28: CTO, LO jobs; correspondent, buy before you sell, verification cascade tools; conventional conforming product changes; foreign buyer stats

Posted on October 28 by Rob Chrisman

My cat Myrtle never liked Halloween, apparently believing it was for amateurs. Our nation has plenty of interesting historical sites related to ghosts and unpleasant […]

Why Fall Could Be the Sweet Spot for Homebuyers

Posted on October 27June 2 by Ethan Vieaux

Spring gets most of the headlines in real estate, but fall often tells a different story. As the market cools, competition eases, listings sit a bit longer, and many sellers become more open to negotiation before year-end. For buyers who have been waiting for the right moment, this season quietly offers one of the best windows to act. This time of year gives buyers space to evaluate options rather than rush to outbid. That change of pace rewards preparation. It lets buyers compare homes, run…