Fri, May 17 2024, 12:02 PM
We’re only a few days away from the MBA’s Capital Markets Conference. Attendees, don’t forget to pick up your badges, or else! (Speaking of interestin...
Thu, May 16 2024, 11:47 AM
Attendees of next week’s MBA Secondary conference can look forward to… A giant hot dog in Times Square that spits out confetti at high noon. (Keep you...
Wed, May 15 2024, 11:37 AM
Misconceptions and misunderstandings… Capital markets folks at the MBA conference next week should know that The Naked Cowboy in Times Square is not r...
Tue, May 14 2024, 11:50 AM
Attendees are gearing up for the upcoming MBA Secondary Conference in Manhattan. Basketball fans know it as the home of Madison Square Garden and are ...
Mon, May 13 2024, 11:41 AM
Ahead of the upcoming MBA conference in Manhattan, as a reminder, we have five senses. All of them are important, with perhaps smell being the most un...
Fri, May 10 2024, 11:52 AM
On a flight yesterday I had a choice of movies and, knowing nothing about it, chose “The Beekeeper,” filled with severed fingers and broken glass bein...
Wed, May 8 2024, 11:25 AM
After a very long travel day filled with odd, time-sucking delays, when I arrived in Birmingham I was happy to hear Alabama on the Uber car’s radio si...
Tue, May 7 2024, 11:33 AM
Lynyrd Skynyrd sang, “Sweet home, Alabama, where the skies are so blue…” Through the wonders of airship transportation, today I’m off to Alabama. The ...
Mon, May 6 2024, 11:43 AM
Think your job has its ups and downs… How’d you like to be a lipstick tester? (You should see the rest of him!) For me it is off to Birmingham tomorro...
Fri, May 3 2024, 11:57 AM
When camping here at Yosemite National Park*, you quickly realize that there is one basic product here that has never changed: nature. Mortgage produc...
Thu, May 2 2024, 11:07 AM
Not all, but many, capital markets folks spent their college years rolling up their sleeves. Some not so much. When originators are asked about intere...
Wed, May 1 2024, 11:49 AM
“I named my dog ‘5 Miles’ so I can tell people I walk 5 Miles every day.” This morning, I head to Yosemite National Park for some camping, hiking, and...
Tue, Apr 30 2024, 11:45 AM
Don’t believe in climate change, rising sea levels, or cities sinking (“subsiding”)? Venice is sinking. So are Rotterdam, Bangkok, and New York (thoug...
Mon, Apr 29 2024, 11:52 AM
“I accidentally rubbed ketchup in my eyes. Now I have Heinzsight.” In terms of foresight, looking ahead, there are some interesting things going on ou...
Fri, Apr 26 2024, 11:52 AM
There seems to be a bit of a baby boom going on out there. Prospective home buyers who need a place for a growing family quickly find out that residen...
Thu, Apr 25 2024, 11:40 AM
I travel a little bit, so it was with great interest that I read, “The Department of Transportation… will soon require airlines to quickly refund pass...
Wed, Apr 24 2024, 11:23 AM
Sometimes you just have to “risk it for the biscuit.” Capital markets are, for the most part, a little more complicated than, say, a recipe for next l...
Tue, Apr 23 2024, 11:35 AM
“The next time you dislike your life, remember it’s all about perspective. I know someone who reads 2-3 books a week, works out twice a day, has no fi...
Mon, Apr 22 2024, 11:28 AM
When I was a kid, whenever I would walk by a pay phone or newspaper vending machine, I’d check the coin change slot. Or periodically check under my Da...
Fri, Apr 19 2024, 11:33 AM
It is “Take Your Child to Work Day” next Thursday which, if you work from home, is probably like a day off from school for the tyke. (I won’t be bring...
Thu, Apr 18 2024, 11:12 AM
What loan officer hasn’t had a memorable co-signing experience? Some more so than others. Along those lines, if you head to Disneyland or Disneyworld,...
Wed, Apr 17 2024, 11:37 AM
“We base our business model on lots of things, but not on our ability to predict rates.” Remember when there used to be “a flight to quality” when the...
Tue, Apr 16 2024, 11:30 AM
“Congratulations to the Kardashians on their 20th season. And to me for never having watched a single minute of a single episode.” There are certainly...
Mon, Apr 15 2024, 11:28 AM
No one is getting any younger, not even Clint Eastwood. Time marches on, as does, apparently, the cost of mailing a letter. The post office wants to j...
Fri, Apr 12 2024, 11:24 AM
When I win the lottery, I am going to buy one of these to heat my blankets at home. Of course, that would mean that I will have to start playing the l...
Thu, Apr 11 2024, 11:35 AM
The next time you complain about your job, just be thankful you’re not working at Cinnabon. (Excuse the language.) Did you know that tomorrow is “Take...
Wed, Apr 10 2024, 11:43 AM
Remember when lenders were fretting about Amazon rolling out a major home loan program? The new acronym that the mortgage industry was about to start ...
Tue, Apr 9 2024, 11:37 AM
Here in the Hill Country near Austin, Texas, there’s an active market of sellers and buyers of real estate. It is a safe bet that most use agents; aro...
Mon, Apr 8 2024, 11:01 AM
“A fine is a tax for doing wrong. A tax is a fine for doing well.” April 15th is in a week, the traditional date when taxes are due. Time flies. Do yo...
Fri, Apr 5 2024, 11:47 AM
I head to Central Texas today (A53 on Southwest; something about maybe seeing an eclipse); statewide Texas home ownership rate is about 64 percent. Th...
Thu, Apr 4 2024, 11:30 AM
Think you can predict the future? I don’t think so. (Click on that link and think about that caption.) Some foresaw the drop in volume and income afte...
Wed, Apr 3 2024, 12:00 PM
The other night, at the Bruce Springsteen concert in San Francisco (it was great), he did a crowd favorite, singing, “Baby I got my facts learned real...
Tue, Apr 2 2024, 11:53 AM
“I think it’s disgraceful that after 55 years, people don’t know who Neil Armstrong was… or even the type of trumpet he played.” Time flies. Did you k...
Mon, Apr 1 2024, 11:44 AM
In real Commentary news, many folks who read this Commentary are workin’ for a livin’, and many of them are managers. On a recent Truv Zoom call, Lowe...
Thu, Mar 28 2024, 11:50 AM
Here’s a tip of the day for anyone manning a conference booth: instead of a pen, or mouse pad, how about a locally made treat? Hats off to Aimee, Bobb...
Wed, Mar 27 2024, 11:55 AM
Could anything be better than Krispy Kreme coming to McDonalds! Yes! The new HMDA data is here! (More of a more serious note below.) Whether donuts or...
Tue, Mar 26 2024, 11:15 AM
As conjecture swirls about the economic impact of the collapse of the bridge in Baltimore, did you ever notice that when you put the two words "The" a...
Mon, Mar 25 2024, 11:54 AM
Here in Louisville, KY, at the TMC event, this one is making the rounds. “What does a real estate agent’s wife say if she can’t sleep? ‘Honey, tell me...
Fri, Mar 22 2024, 11:55 AM
I saw a sign recently: “Psychic Fair Cancelled Due to Unforeseen Circumstances.” No one can see into the future, or can read minds, and communication ...
Thu, Mar 21 2024, 11:38 AM
“90 percent of bald people still own a comb; they just can't part with it.” Many companies that retained servicing in 2020 and 2021, complete with low...
Wed, Mar 20 2024, 11:39 AM
Anyone wonder what happens after someone steps away from mortgage banking? Well, after exiting Ellie Mae/ICE, Jonathan Corr finds himself involved in ...
Tue, Mar 19 2024, 10:37 AM
One never knows what one will learn at a mortgage event, like yesterday learning from Lender Toolkit’s Alex K. that Collinsville, Illinois has the lar...
Mon, Mar 18 2024, 11:05 AM
Lenders are refinancing borrowers who took out intermediate ARMs 3, 5, or 7 years ago and whose rates have gone up. Some here in Las Vegas, walking ar...
Fri, Mar 15 2024, 11:22 AM
Just once, I want a username and password prompt to say, “Close enough.” Speaking of technology, this weekend Robbie and I head to Las Vegas for the I...
Thu, Mar 14 2024, 11:37 AM
Fun with numbers: Did you know that, at age 22, Billie Eilish has won twice as many Oscars (2) than 80-year-old Martin Scorsese (1)? (And yes, Samuel ...
Wed, Mar 13 2024, 11:25 AM
To the best of my knowledge my cat Myrtle, despite being at the top of the food chain, has never hunted eagle… But who can resist a good live bald eag...
Tue, Mar 12 2024, 11:17 AM
“I heard that 80 percent of car accidents occur within one mile of a person's residence, so I moved.” But it turns out that moving doesn't improve you...
Mon, Mar 11 2024, 10:56 AM
When I was a teen, I worked a variety of jobs but never at a fast-food joint. No one made much money working at Mickey D’s or Dairy Queen. Now, in Cal...
Fri, Mar 8 2024, 10:40 AM
“Horses have lower divorce rates. It's because they are in stable relationships.” Here on the Central Coast of California, there are plenty of horses ...
Thu, Mar 7 2024, 11:39 AM
“I saw a woman at Walmart with March Madness teeth... She was down to the final four.” No one is talking about 30-year mortgage interest rates heading...
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