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Besides Janet Yellen’s In-N-Out foray, it is a rough environment out there: Hope you don’t want a Wells Fargo HELOC. Or just ask Citizens who is exiting the wholesale channel; More below on that. Many lenders are reporting unit volumes dropping by 50-70 percent, in part due to higher rates caused by inflation expectations. Buying stuff in the holidays will be more expensive this year, and here’s a personal tale of inflation. I happened to be near a See’s Candy store recently. Knowing that my daughter enjoys a treat from time to time, we went in and, without looking at the prices, bought a can of Toffee-ettes and a small box of mixed chocolates. It turns out that Sees’ prices are up to $32/pound for the mixed and the can of toffee was $29. The total was $48.00. I may-as-well have been buying Kobe beef. Holy smokes! (Today’s podcast can be found here, sponsored by LoanCare, the mortgage subservicer known for delivering superior customer experienc

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