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Tech Sales, LO Jobs; Correspondent, Verification, Pricing Products; Mitigating Credit Costs

“Who closes the door when the bus driver gets off? The world is full of questions. “Why have all the predictions of lower rates been wrong?” Yesterday I was in the SF Bay Area giving a speech to a group of LOs and management and was asked, “Rob, are you hearing that lenders are requesting clients pay for the credit report(s) up front?” Absolutely I am. Lenders have grown weary of paying for the credit reports of loans that don’t fund and heaping those rising costs on the loans that do. “Rob, are mergers and acquisitions going to pick up?” Yes. We had one recent depository bank deal (Mississippi’s Guaranty Capital Corporation will acquire Lafayette Bancorp, Inc.), but we can expect continued deals in an 8 percent mortgage rate world as lenders and vendors, big and small, re-evaluate either their position in the market or even if they want to continue to exist. (Today’s podcast can be found here: Sponsored by nCino, ma ....

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Navigating Experienced Real Estate Investor Needs

Navigating Experienced Real Estate Investor Needs
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The Pros & Cons Of 40-Year Mortgages

With inflation hitting a 40-year high in June, has it come time for the 40-year mortgage to become more widespread? It might be the appropriate time for traditional lenders to offer loans that could help both homebuyers and mortgage originators. ....

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