“I’m supposed to respect my elders, but now it’s getting harder and harder for me to find one.” Gradually it’s becoming harder and harder to find a bank that does loans outside of its footprint. Finding people in their late 30s or 40’s is not hard: The median age in the United States is 38. There are plenty of people in our industry in their 40s. You know, the 40s… when you’re like an iPhone 6: you don’t have all the features of the newer models but you’re dependable and affordable. While we’re on ages, yesterday a few folks pointed out that Happy Days first aired on ABC (remember network TV?) fifty years ago yesterday. (It went for 10 years until July 1984.) The show was “set” in Milwaukee but filmed in California which accounts for 20-25 percent of residential loan production and is in the news for its ADU policy. (More below.) Today’s podcast can be found here, and this week’s is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products (nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics) unite the people, systems, and stages of the mortgage process. Today’s features an interview with recruiter Brianna King on how job candidates can separate themselves from their competition and common résumé faux pas. Lender and Broker Services and Software Spring EQ, ranked as the #1 non-bank and #6 overall home equity lender according to reported data from Bankrate (based on statistics from Inside Mortgage Finance,) knows money can be tight after the holidays. Now is the time to assist your borrowers in tackling their seasonal debt! Spring EQ’s fixed-rate home equity loans and adjustable-rate HELOCs (3yr & 10yr) can help your borrowers get the cash they need without refinancing a low first mortgage rate. Need pricing for a loan? Try Spring EQ’s quick Pricing Calculator and get multiple options in seconds! And with Spring EQ, you can earn up to 2.5 percent in broker compensation on HELOCs and HELOANs. Start 2024 off right and join today’s webinar, which will review the many reasons borrowers want to tap their home equity. Think of Spring EQ first for all your seconds. Become a partner now or contact your Account Executive today.