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To Be Frank: The Mortgage Industry, Mission or Maintenance?

To be Frank: The Gift That Keeps on Giving

To be Frank: Finding Common Ground - The Student Teacher Circle

More Lowlights than Highlights in HUD's Report to Congress

To be Frank: Cowards Do That, And That Ain't You

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Community Commentary provides analysis and perspective on events affecting the mortgage and housing industry from members of our community that work in the marketplace on a daily basis.

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To Be Frank: The Mortgage Industry, Mission or Maintenance?

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by Frank Ceizyk on January 10 2013, 10:50 PM

I was handed a book on the way home from Christmas Mass at my church this year titled "The 4 Signs of a Dynamic Catholic". About halfway through the book, there was some discussion about the present day struggle to affect any meaningful change in this...
To be Frank: The Gift That Keeps on Giving

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by Frank Ceizyk on December 28 2012, 12:15 PM

One of my favorite movies this time of year is Christmas Vacation. Being a multiple year winner of neighborhood light contests, I am inspired by the auxiliary nuclear power supporting show he puts on in the name of their "fun old fashioned Griswold family...
To be Frank: Finding Common Ground - The Student Teacher Circle

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by Frank Ceizyk on November 15 2012, 8:04 PM

I remember when I first learned how to process a loan . Concepts I had never learned as a media arts major in college or from my minor in business rolled off the tongues of underwriters, funders, and doc drawers like some financial tower of Babel. I took...
More Lowlights than Highlights in HUD's Report to Congress

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by Ted Rood on November 20 2012, 1:23 AM

HUD's report on FHA's finances to Congress was a mere 64 pages. Here's the top (or bottom!) 10 summary for those who lack the time or motivation to peruse the entire report: FHA is losing money hand over fist. Despite increasing loan quality and mortgage...
To be Frank: Cowards Do That, And That Ain't You

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by Frank Ceizyk on November 12 2012, 6:47 PM

"Now, if you know what you're worth, then go out and get what you're worth. But you gotta be willing to take the hits, and not pointing fingers saying you ain't where you wanna be because of him, or her, or anybody. Cowards do that and that ain't you...
A Letter to President Obama Ahead of Next Tuesday's Election

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by Frank Ceizyk on November 02 2012, 2:37 PM

See also: A Letter To Governor Romney Before Next Tuesday's Election Dear President Obama, As the election approaches next week, I feel compelled as a twenty veteran of the housing industry to write a letter that speaks to the fundamental truth of the...
A Letter To Governor Romney Before Next Tuesday's Election

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by Frank Ceizyk on November 02 2012, 2:36 PM

See Also: A Letter to President Obama Ahead of Next Tuesday's Election Dear Governor Romney, As the election approaches next week, I feel compelled as a twenty year veteran of the housing industry to offer some perspective from the frontline of the battle...
Escape From Pottersville: A New Beginning in the Mortgage Industry

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by Frank Ceizyk on October 26 2012, 12:12 PM

Contributing to MND the past 4 years, I have been content to represent my image as a bewildered George Bayley, wondering what happened to his beloved Bedford Falls when he stumbles across the "Pottersville" sign after wishing he'd never been born. I have...
OP-ED: Collateral Substitution Mortgage: A Solution to the Housing Crisis?

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by Robert Goldberg on August 03 2012, 4:11 PM

The housing statistics are staggering. Over the past five years, the 30% average drop in prices has cost homeowners approximately $7 trillion in wealth. More importantly, according to data from CoreLogic, over 11 million homes are now underwater, representing...
We Have A Chance…Victories In The Battle Against Lost Home Equity

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by Frank Ceizyk on July 03 2012, 3:35 PM

One of my favorite movies during the July 4th holiday is The Patriot. The sacrifices Benjamin Martin and many others make to win a chance at freedom against insurmountable odds always inspire and remind me what an incredible blessing it is to live in...
Managing Mortgage Risk in the New Era of Banking

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by Cindi Dixon on June 04 2012, 10:53 AM

Headlines promulgating JP Morgan Chase’s recent transgressions reveal capricious trading practices, resulting in record-breaking losses to the institution that has otherwise experienced recent recondite growth and profits. As a result, the financial...
Beginning the Housing Healing Process with HARP 2.0

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by Frank Ceizyk on March 20 2012, 12:36 PM

Dear Fellow Mortgage Industry Professionals, I know that the industry is in a fit over what to do with the HARP 2.0 program , but I would submit to you, that the findings I received today for my customers on the new LP Relief Refinance Program are the...
Housing Utopia

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by Frank Ceizyk on October 14 2011, 3:33 PM

I'm as guilty of participating in the blame game as anybody, but I want to evolve beyond it. It accomplishes nothing for our industry and has hardened the hearts of a lot of the players. So I hope the following fictional narrative sparks some conversation...
'Realtor' Is 2 Syllables

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by Julian Hebron on October 07 2011, 1:27 PM

After too many years of hearing people say real-uh-ter in reference to real estate agents, it's time to set the record straight. 'Realtor' is two syllables, not three. It's pronounced real-ter . Period. You might chuckle, but I'll use some other improper...
Loan Disclosure Reform Incomplete without Borrower Education

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by Frank Ceizyk on May 27 2011, 3:30 PM

Today is the deadline to submit feedback on the Consumer Financial Protection Bureau's first attempt at combining the Good Faith Estimate and Truth in Lending statement. If you haven't shared your thoughts on the matter, I urge you to do so, especially...

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Editorial Disclaimer: The opinions and views expressed here are those of the contributing authors and do not necessarily reflect those of the publisher, editor or the editorial staff of Mortgage News Daily.

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