We’re sailing through autumn. Places like Seattle and Minneapolis are losing 3-5 minutes of sunlight a day. Donald Trump told Congress to...

President Trump has recommended that publicly held companies only report earnings every six months instead of every three. Don’t...

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...

“Breaking” mortgage litigation news I’m not a news reporter [1] (and these Musings are not legal advice), but here I am reporting on the...

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...

Often the economy and general business trends are separate from management and business acumen. Like Block Buster, which at the high...

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

Here in Telluride, CO , after learning of my capital markets background, yesterday someone bluntly asked me, “Can one person slow or stop...

We’re two days into the 4 th quarter of the 2025, two days into another government shutdown, and… companies are relishing their...

Come on… you don’t believe politics and mortgages are separate? Look at politicized government housing agencies: whoever is running HUD,...

“Why do millennials think the government saved their lives? Because they are indebted to it forever.” Here in Colorado, the United States...

In the first Voice of the Industry , David Spector, Chairman and CEO of Pennymac, discussed his path from early beginnings on Wall Street...

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...

Here in Colorado, banking, credit unions, and independent mortgage banks are a solid part of the economic fabric. LOs here and everywhere...

Who can focus on mortgages when it’s… Fat Bear Week ?! They’re all trying to consume as many calories as possible ahead of hibernation....

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