There are many wise sayings out there… One of my favorites is by Will Rogers: ”Even if you’re on the right track, you’ll get run over if...

Last Sunday, my wife and I got a call no parent ever wants to receive. We went from watching Football to packing bags and booking an...

This week was dominated by the U.S. government shutdown and its ripple effects across housing, credit markets, and economic data. With...

For our Clients, Colleagues, and Friends, This table isn’t all that revealing, but it shows the percentage of residential loans going...

Loan officers who want a lasting career should expand their focus to include homeowners 55 and older, who control trillions in housing...

Strong economic data, shifting interest rate expectations, and evolving policy developments were the name of the game this week. Revised...

All eyes this week were on the Federal Reserve's September meeting. As expected, the Fed cut the federal funds rate by 25-basis points to...

For the markets, watching Powell’s presser was like watching a Spanish Soap Opera play out when the boyfriend barges in demanding answers...

If we take a stroll down memory lane, this time last year we found ourselves in a very similar position. The market had priced in a...

For our Clients, Colleagues, and Friends, How much was the production income per loan over the past several years? We remind you that...

Margin matters… and depending on what type of margin you're referencing, it can mean different things to different people For instance,...

I have good news for you: a complex mix of inflation data, labor market weakness, and shifting expectations around Federal Reserve...

For our Clients, Colleagues, and Friends, This is from the MBA, showing mortgage employment as of August 29th. The data comes from the...

It was the opening scene of “Saturday Night Fever” where John Travolta’s walking down the street holding a paint, strutting with...

Suddenly, occupancy fraud is national news Recent allegations of mortgage loan occupancy fraud[1] on second homes and investor properties...

These days, speaking to current events and navigating the data while avoiding the politicization (and polarization) of the data is almost...

This week, a wave of economic data pointed to a labor market that’s losing steam, reigniting debates about whether the Federal Reserve...

As has been the case most of summer, there were no shortage of headlines this week: namely, shifting rate dynamics, mounting political...

Kenny Rogers said it best..  “You’ve got to know when to hold ‘em, know when to fold ‘em. Know when to walk away, and know when to run....

Human nature is to be corrupt Like all humans, [1] I am self-interested and tribal by nature, [2] and that is corrupting. So, with a...