I’ve been in mortgage since 1991. Rates were north of 10%, “apply now” meant stacks of paper, and the concept of consumer-permissioned...

My cat Myrtle was always up for a battle with a lizard in the yard. On a larger scale, the ancient Chinese philosopher Sun Tzu said,...

I’ve been tracking Kristin Messerli's  NextGen HomeBuyer research for five years, and this year’s Financial Literacy Edition  is the...

Tomorrow I head from Boise to Jackson for the Mississippi Mortgage Banker’s Fall Conference . Certainly a topic in my email in-box and at...

“Twas the third of September, that day I’ll always remember … Wherever he laid his hat was his home, and when he died, all he left us was...

After talking with and interviewing hundreds of mortgage professionals, I can say with certainty: the loan officers who win in this...

I was today years old when I realized that the shovel was literally a groundbreaking invention. The best ads and marketing focus on rates...

Since originating my first loan in 1991, I’ve lived through plenty of cycles where the Fed gave us a dose of reality. Friday in Jackson...

Apologies first! Yesterday I mistakenly wrote, “ARMs now account for nearly 50 percent of applications…” Thank you again to those who...

If you’re unfamiliar, the HELPER Act (Homes for Every Local Protector, Educator, and Responder)  proposes a straightforward idea: allow...

“Nothing refreshes my memory about what I need at the grocery store like coming home from the grocery store.” Remember adjustable-rate...

In a market where every lead feels harder to come by and conversions take longer; loan officers are looking for an edge that will not...

“An economist’s left leg is on fire, and his right leg is frozen. He says, ‘On average I'm perfectly fine.’” For those out there...

The summer slowdown is real.But someone forgot to tell Abdel Khawatmi . While many loan officers are sitting on the sidelines waiting for...

Yesterday, Tampa set a record for its all-time high temperature (at least since man began keeping track, for you sticklers) while rain...

I’ve seen this industry evolve through every imaginable market cycle.  But I believe we’re now in a fundamentally different era, one...

You may not believe in climate change, but your insurance company and mortgage servicer certainly do. It is a fact that warmer air can...

Spend enough time in one industry and you’ll likely see just about every shiny object come and go.  But I can tell you with confidence:...

Here’s a cool password: 2 444 66666 8888888 9. (You can figure it out.) I’m no IT wizard, but some are. Do you want AI to open your...