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Now that we have passed the unofficial end of summer, am I allowed or not allowed to wear white on Zoom calls before 2023’s Memorial Day? Maybe darker-hued clothing better suits the current mortgage landscape. Labor Day became an official holiday in 1894 and was quickly followed by the subjective rule that if you didn't have the money to take fall and winter vacations you should refrain from wearing white, but no one in 2022 should feel the need to follow it. Culture is always changing and understanding that will help mortgage companies with retention. It is a different time than when many of us entered the industry. Heck, the 96-year old queen of England stars in TikToks now. Investors are “socially conscious” in allocating capital, even down to how they support affordable housing and provide access to credit for underserved individuals. Mortgage companies are hoping that changes from Washington D.C., including the plan to forgive loan debt, could help con

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