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When did “beauty parlors” become “beauty shops” become “salons” and “spas?” Our industry doesn’t have a monopoly on change, and in my recent travels around the nation visiting with residential lenders, things continue to evolve. Owners of servicing continue to release pools of mortgage servicing rights, raising cash to create profitable months and quarters. Banks, credit unions, and lenders mention ongoing efforts to “digitize” the lending process but some admitted to some level of “fake digitization”, d...

Another day of travel, heading to California and its Central Coast. The state has seen its share of house price appreciation, as has the nation, and in terms of actual sales there are some who are predicting a steep decline in sales activity despite heading into the traditional summer buying season. (And there are stories about home “buyer’s remorse” which to me sound like whining.) Yes, as prospectors said starting in 1849, “there’s still gold in them thar hills.” There’s gold in startups also: Of course the co-founders are beaming in the pho...