“What do you call a bovine with a stutter that makes chocolate milk? Cacao.” Speaking of sweets, hats off to Byte’s booth at the conference for dishing out some amazing s’mores brownies here in Philadelphia. (They will be my breakfast on my flight out this morning.) The brownies are sweeter than the upcoming credit report cost increases (there is definitely a shift to lenders having borrowers pay for credit reports up front, not eating the cost of reports run on loans that don’t fund), the search by IMBs for HELOCs and 2nds and jumbo outlets, the talk of distant future EPO (early pay off) penalties when rates decide to drift down, and continued over-capacity and cost cutting until then. That said, there is good news for existing homeowners trying to build net worth: house prices hit another peak in September per one measure. (Today’s podcast can be found, after 8 AM ET, 5 AM PT, here: Sponsored by nCino, maker of the nCino Mortgage Suite, built for the modern mortgage lender. The nCino Mortgage Suite unites the people, systems, and stages of the mortgage process. Hear an interview with Think Mortgage’s Anthony Focca on how originators are winning business in a tough rate environment.) Lender and Broker Software, Products, and Services Here’s a bit of an unusual ad, but what the heck? Here is a list of domain names available for purchase: DirectJumboMortgage.com, DirectFHAMortgage.com, BestRateMaryland.com, BestRateVirginia.com, BestRateVA.com, BestRateVALoans.com, and JumboPortfolioLoans.com. If you are interested in a discussion with the owner, contact David Horvath.