National Issues - Local Implications!

 

Racism, Defund the Police, COVID-19, Forbearance, credit costs, QM, falling rates, unemployment, China, capacity issues, and add the election into the mix; and we are really dealing with all kinds of issues we have to navigate. Most of these national issues impact us on a local level in different...

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Law of Attraction!

Uncategorized Jul 09, 2020
 

Loan volume continues to surge for many of my clients and personal best numbers are coming in across the board. Companies, branches, teams, and individual originators are setting these important marks. We need to be sure and acknowledge these accomplishments, not just the top producers; but for...

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Keep an eye on JULY!

 

Welcome to July! There are three things you are really going to have to watch, in addition to everything else we are dealing with, during the month of July.

  1. Inventory of homes on the market
  2. Tax filing due July 15th
  3. QM GSE Rules Patch

First is the challenge we are facing in many markets with...

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Midyear Adjustments!

 

Here we are, midway through 2020 and boy, you really couldn’t write this script and have anyone believe it was true! All the business planning in the world, regardless of the most optimistic, could not have planned for this kind of activity under these kinds of circumstances. Yet here we...

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Making it happen!

 

We have another week in the books and another surge in purchases and refinance activity. It’s impossible for anyone in the mortgage or real estate communities to complain about the lack of opportunities almost anywhere in the country! Purchases are strong, refinances even stronger. More...

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Nobody owns a relationship!

 

A few different conversations came up this week during coaching calls and had the same kind of feel to them and I thought it was worth discussing this week. It’s about referral partner relationships and how some originators think that any relationship they have is something they own. That...

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Working continues to work!

 

The results have been nothing short of amazing. So many of you are having record production months, and for some, the numbers are really special. You just have to see that the plan of keeping connected to your clients and referral partners during the shutdown has, and will continue to produce...

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On toward normal!

 

Depending on where you live, the lockdown due to coronavirus is loosening and people are heading out in increasing numbers. Some locations more so than others, but the time to “flatten the curve” has come and gone and people are ready to go more and more each day.

It becomes important...

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Forbearance yet again!

 

Here we go again, in less than a week, we get two significant changes from the FHFA concerning forbearance. First was the announcement that payments may be deferred to the end of the loan term, free of interest or other charges. So people could just avoid 12 months of payments and wait until they...

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Pushing the POWER of your pre-approval!

pre-approvals May 14, 2020
 

It seems like a very simple thing, but it is important for you to remember the power of your pre-approval as compared to others in your market. In the last few weeks, a number of my clients have been contacted by Realtors® and frustrated buyers when their “lender” couldn’t...

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