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TBA Pricing, Delegated Correspondent, Servicing Products; STRATMOR and Comp

Welcome to February 29; The 366th day is added to keep the calendar year synchronized with the astronomical year or seasonal year. What do astronomers know that we don’t? In general, what do “they” know that we don’t? Recall when Wells Fargo left correspondent, and other correspondent investors wondered the same thing. Now Rocket Companies will shut down Rocket Pro Originate in June, a mortgage origination platform for real estate agents and other financial pros. What does Rocket know? (More below). This biz is always changing, and this week I spent some time with Alanna McCargo, President of Ginnie Mae (without Ginnie Mae execution, FHA & VA programs would not be able to scale), and Ginnie is definitely trying to stay ahead of the curve which in turns helps first-time home buyers. (Found here after 8:30AM ET, this week’s podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage S ....

United States , Ginnie Mae , Phil Rasori , Steve Adamo , Todd Lautzenheiser , Paul Lehnert , Alanna Mccargo , Mike Seminari , Oceanfirst Bank Residential Lending , Mortgage Information Services , Broker Services , Oceanfirst National Association , Oceanfirst Bank , Rocket Companies , Group Spring , Freddie Mac Primary Mortgage Market , Group Customer , Wells Fargo , Farmers Bank , Agency Transactions , Lenderful Solutions , Rocket Pro Originate , Cino Mortgage Suite , Cino Mortgage , Cino Incentive Compensation , Cino Mortgage Analytics ,

VOE, POS, Customer Retention; LOS Products; Training, Webinars, and Events

A correction to yesterday’s Commentary regarding the next holiday (Memorial Day) being two months out. Several emailed that Memorial Day is actually three months away! Overheard here in Texas the hallways at the TMBA Secondary Conference: “So if we don’t let athletes bet on games that they have the ability to influence, why do we allow Congress to invest in companies they regulate?” Here at the conference, the wise use of technology is definitely an important topic (today’s Mortgages With Millennials focuses on this), as are the desirability of better mortgage regulations rather than more regulations, how many politicians seem more focused on their reelection prospects rather than bettering things, and the role of Ginnie Mae, Fannie Mae, and Freddie Mac going forward. (Found here, this week’s podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products ....

New York , United States , Denese Carty , Andrew Oxley , Kristin Messerli , Marianne Collins , Altamonte Hilton , Glenn Stearns , Los Angeles , Freddie Mac , Craig Hoff , Justin Venhousen , Peter Idziak , Ginnie Mae , Tony Wilbert , Carla Johnson , Robbie Chrisman , Martin Lavelle , Tricia Migliazzo , Kendra Lee , Gen Xers , Rob Chrisman , Brent Chandler , Jim Paolino , Bowen Lee , Rebecca Lorenz ,

Hedging, Guideline Search, VOI and VOE Tools; Rocket Earnings; Events and Training

“Alexa, where’s my damn package?” (Page down 3-4 times to the video.) Life is full of surprises, good and bad. Rates aren’t a surprise… The U.S. Federal Reserve can only do so much about inflation. Geo-politics are a big deal, of course, and there is nothing our Fed, tasked with maintaining economic stability in this country, can do about those. Vendors and lenders are doing what they can, cutting over-capacity and expenses. Capital markets staffs everywhere are interested in which investors have pushed out the $2,500 Freddie and Fannie month-old HomeReady credit, as well as non-QM, jumbo, co-issue, and servicing buyers. (STRATMOR’s current blog is titled, “It’s 2024: Do You Know Where Your Servicing Is?”) Speaking of capital markets, today’s TMC Rundown features Mutual of Omaha’s Matt Nyman. (Found here, this week’s podcast is sponsored by Truv. Truv lets applicants verify income, employment, assets, i ....

United States , New York , Denese Carty , Carla Johnson , Robbie Chrisman , Gabe Minton , Martin Lavelle , Priscilla Almodovar , Matt Brammer , Michael Crockett , Craig Hoff , Neighborworks America , Altamonte Hilton , Chuck Cain , Rob Chrisman , Chris Bennett , Ginnie Mae , Peter Akwaboah , Gen Xers , Matt Nyman , Matthew Nyman , Marina Walsh , Bowen Lee , Federal Reserve Bank , Rocket Companies Inc , Broker Services ,

LOS, Warehouse, Servicing Products; Freddie Mac and Trended Credit Data; STRATMOR on Younger Borrowers

Did someone say, “National Margarita Day”? (Splendid timing, especially as vendors and lenders contemplate a rate and volume environment that may not change much for months, and compensation & personnel adjustments continue.) In 2023, the United States was the leading recipient of Mexico’s tequila exports, importing 84.8 million gallons of tequila from South of the Border. This has nothing to do with residential lending, other than plenty of folks in our biz enjoy a tasty margarita. While we’re on taste, the other day I mentioned a joke about vultures saying clowns taste funny which blog poster and attorney Brian Levy took as an invitation to “poke a little fun at this bear” in his most recent post. Levy’s most recent Mortgage Musings edition is titled, LO Comp, Bozo Buckets and “P&L Branches” and offers a spirited and insightful discussion of a couple LO Comp related issues that have been in the new ....

United States , Los Angeles , Chris Anderson , Mike Seminari , Jeff Casella , Mike Vough , Kevin Peranio , Jeff Mccarty , Chris Maloney , Freddie Mac , Truv Richard Grieser , Broker Services , Chicago Fed National Activity Index For , Appraiser Diversity Initiative , Strategies For Technology Integrations , Customers Bank , Fannie Mae , Freddie Mac Primary Mortgage Market , Government Sponsored Enterprises , Va Pennymac Financial Services , Hard Rock Hotel , National Margarita Day , Group Customer , Brian Levy , Mortgage Musings , Bozo Buckets ,