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Jeff Wirsing
jwirsing

Colorado
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"I'm about a third of the way through the book. The points you make may be technically accurate but that's not what I focused on. For me, the book is increasing my cynicism. It's clear to me that the players at the top of the food chain don't do anything out of benevolence. They only dress things up to look like they are being benevolent in order to disguise they real motives."    View Comment
"Frank...My last post was intended to be a reply to your 7/2 post asking the question of how we as an industry can educate and protect Consumers. I certainly hope that the industry will resume some semblence of commonsense and normalcy. But even with what you described...somewhere in there is the "Borrowers" experience (what you described is more the LO experience)...which I know is important to all Originators. So the question becomes...what experience does the industry want the Consumer..."    View Comment
"The power to affect change is in direct proportion to the power of the individual. Power, in the case of individuals who live in a capitalistic society, is a function of financial self-reliance. The more financially self-reliant, and independent, American's become the more capable they are to affect change on all levels. If some one, or some industry, were able to offer a solution to truly help Americans to be self-reliant that would be a powerful value proposition. During the refi boom the mortgage..."    View Comment
"Frank - Step One in your process is a tough one for the industry to get their arms around because it takes a "consumer centric" approach and traditionally the underwriting process is has been one-sided (the guidelines are written by Wall Street...the buyers of the MBS). It will be necessary to adopt a platform of consensus as to what constitutes a product and strategy that is broad enought to serve the entire industry but also is specific enough to apply to indivudual consumers."    View Comment
"Credit scores are a backward looking measurement tool. They do nothing to look forward and assess an individuals committement to how they are planning to manage their finances in the future and protect themselves from set-backs which put a mortgage backed security at risk."    View Comment
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"In the past couple of years most of us have listened to, or expressed our views, on the need for the mortgage industry to make changes. Why has so much collective interest in making something happen failed to produce any meaningful results? I am inclined to think that in many ways we are making things harder than they need to be when it comes to effecting change and fixing the systemic problems in the mortgage industry. Imagine a car manufacturer who determines that the public is asking for certain..."    View Post
"GreenBar America LLC is inviting a select number of forware thinking residential mortgage originators throughout the U.S., on an invitation and referral‐only‐basis, to participate in the soft‐launch of its new prequalification and origination decision engine, called GreenBar‐MORTGAGE. GreenBar America is pioneering an effort to bring about a positive, consumer centric, and industry driven change to the mortgage industry. Applicants who are accepted, and who complete the necessary requirements, will..."    View Post
"I'd be interested in your feedback as to what the top 3-5 loan programs are that you are using, or see being used, as well as what you are doing to get above 80% LTV?"    View Post
"Do you mind if I ask...What is your motivation for paying off your mortgage?"    View Post
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