Here in San Diego at the MCT Exchange 2025 , with nearly 500 registrants, the agenda’s keynote speaker and one of the panels was composed...

Anyone who thinks politics doesn’t impact residential lending isn’t, frankly, paying attention. Let’s start with something simple, like…...

This week I head to San Diego for MCT Exchange 2025 , and my email has been heating up. “Rob, are you hearing about a big jump in lock...

Dear Messrs. McKernan, Vought, Calabria, Musk, et. al., I am the author of a cynical, snarky and heavily footnoted free mortgage industry...

If you're a homeowner, life is good right now. You’re sitting on a low-rate mortgage, building equity, and watching home values climb....

The vast majority of residential mortgages in the United States are originated, underwritten, funded, and ultimately sold in accordance...

“A government survey has shown that 91 percent of illegal immigrants come to this country so that they can see their own doctor.” On a...

For the people who write to me saying either, “Politics don’t impact lending,” or “It’ll be interesting to see what happens to Fannie Mae...

“ Essex Mortgage is excited to announce a new financing product for homebuyers . The Link Loan allows originators to work with consumers...

The interest rate markets have a way of humbling almost all the ‘experts’ and the very first thing you learn in Secondary Marketing is...

In recent years, appraisal management companies (AMCs) have played an increasingly vital role in the mortgage industry, addressing...

“My wife just left me. She says life revolves around baseball and she's sick of it. I'm quite upset. We were together for 7 seasons.” Say...

Over the past 15 years, the mortgage lending landscape has completely flipped. In 2010, depository institutions originated 81% of all...

Tired of writing those pesky checks? Wait no longer: If you don’t want to send a check through the U.S. Mail, for whatever reason,...

The calendar pages flip. We’re in mortgage conference season again in hotels around the nation, and why not have a little fun leaving...

“My friend showed me a photo of a famous meteor crater in Arizona. It's amazing how close it landed to the Visitor's Center!” Here in...

Here we are at the Ides of March, and we’ve recently been reminded that volatility is not the friend of anyone in a mortgage company’s...

In today's evolving financial landscape, the current approach to underwriting is falling short and fails to accommodate the profiles of...

Time flies. We’re at “pi day” (3.14), two weeks until the end of the quarter, one month before our taxes are due. Tax returns for...

Teddy Roosevelt thought that lawyers are trained to serve clients and not justice. An interesting discussion topic. Residential lending...