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Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

At the TMBA’s Secondary Conference in Houston a topic is obviously interest rates and the economy… And the fact that the nation’s interest payment expense now exceeds our defense expense! It’s also a fact that Texas’ business climate is very friendly for companies. The #1 state in the nation for residential lending, California, not so much. Overheard here in the hallway: “California is a blue state wrapped up in red tape.” That said, permit process aside, California gets a lot of flak for its high cost of living, but that is for income tax rather than property tax, as exhibited in “Property Taxes by State in 2024” comparing home and vehicle taxes across the nation. Californians pay the 34th highest annual taxes on homes priced at state median value. New Jersey, Illinois, and Connecticut have the highest annual taxes on homes. Each year, the average American household spends $2,869 on real-estate property taxes plus another $448 for residents of the 26 states with vehicle property taxes. (Found here after 8:30AM ET, this week’s podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products - nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics - unite the people, systems, and stages of the mortgage process. Interview with SoFi’s Liz Young on the need for Treasury auctions and how supply and demand at those auctions impacts consumer interest rates.) Lender and Broker Services, Products, and Software

California , United-states , Houston , Texas , State-of-new-york , New-york , New-jersey , Illinois , Boston , Massachusetts , Connecticut , Washington

Servicing, TPO, Warehouse Products; Training and Webinars; CPI Moves Rates Higher

In our biz, you never want to hear, “deception,” “targeting the elderly,” or “abusive tactics” related to a company. But there they are in this report, “The Ugly Truth Behind We Buy Ugly Houses.” (Thank you to Ken S. for passing this along.) The franchise is nationwide, unlike… cicadas? The U.S. Census Bureau says the Midwest includes 12 states: the Dakotas, Kansas, Missouri, Iowa, Nebraska, Illinois, Indiana, Minnesota, Wisconsin, Michigan, and Ohio. I mention this, not only because some people are confused where they live, but also because this spring, two different broods of cicadas, one that lives on a 13-year cycle and the other that lives on a 17-year cycle, will emerge at the same time from underground in a rare, synchronized event that last occurred in 1803. Billions of the winged insects will make an appearance across the Midwest and the Southeast, beginning in some places in late April, for a raucous mating ritual. (Today’s Commentary podcast can be found here and this week’s is sponsored by Lender Toolkit and its AI-powered AI Underwriter and Prism borrower income automation tools. By providing lightning-fast underwriting decisions, your market reputation with borrowers and Realtors will soar, which means more repeat and referral business. Hear an interview between Lender Toolkit’s Madison Kelly and AMS LLC’s Andrew Hicks on AI underwriting.) Lender and Broker Software, Products, and Services Stay up to speed on what’s happening with borrower demand, incentive and other critical market trends by attending the ICE Mortgage Monitor webinar. You’ll gain insights you can't get anywhere else. During this monthly webinar, ICE experts discuss the most current findings from their analysis of the company’s vast U.S. mortgage, housing and property data assets. Hear about home prices, affordability, interest rates, equity and other important factors that impact your lending strategies. Best of all, its free to attend: just sign up here. The next webinar will be held on Wednesday, Feb. 28, from 2-3PM ET.

Lakeview , Texas , United-states , Kansas-city , Kansas , Washington , Nebraska , Houston , Ohio , Wisconsin , Florida , Iowa

Correspondent, Accounting Tools; Events, Training, and Webinars This Week and Beyond

Sometimes there is no shortcut when you want to make a lot of money. Speaking of making money, and creating wealth for clients, owning real estate continues to be a good investment. The National Association of Realtors tells us that more than 85 percent of metro markets registered home price increases in the fourth quarter of 2023. Its latest quarterly report reports that fifteen percent of the 221 tracked metro areas experienced double-digit price gains over the same period, up from 11 percent in the third quarter. In the lending world, according to Curinos, January 2024 funded mortgage volume increased 3 percent year over year but decreased 4 percent versus the previous month. The average 30-year conforming retail funded rate in January was 6.86%, -39bps lower than December and 47bps higher than the same month last year. Curinos sources a statistically significant data set directly from lenders to produce these benchmark figures. (Today’s Commentary podcast can be found here and this week’s is sponsored by Vesta, the new, modern Loan Origination System (LOS) which helps lenders reduce their costs to originate and improve their ability to integrate with new technologies in the ecosystem. Hear the second and final part of an interview between attorney Brian Levy and Robbie on life outside of mortgage.) Lender and Broker Software, Products, and Services Make your general ledger profitable and run your business more efficiently with Loan Vision and LV-PAM. Instead of “staying alive until ‘25”, with Loan Vision, a software built by the mortgage industry for the mortgage industry, you can “produce more in 24!” Customers on Loan Vision see improvements of 30%+ decrease in days to close the books, 20%+ reduction in accounting headcount, complete LOS to G/L automation, and improved reporting and visibility. Interested in learning how Loan Vision can help you run a more efficient and profitable company? Contact Carl Wooloff to schedule a call today.

Washington , United-states , Mississippi , Virginia , Florida , Dallas , Texas , Melissa-tran , Elizabeth-karwowski , Anjelica-nixt , Maureen-sweeney , Chris-lowis

FHA, 1st Time Homebuyer, Servicing, Automation, Fair Lending Tools; List of Top 100 Lenders of 2023

When this commentary gig gets old, I think I’ll take up… throwing needles? But so far so good, putting this out six days a week. Yesterday I glanced at the calendar, and we’re 10 percent of the way through 2024 already! Still raining here in Northern California, and the flooding has caused a lot of concern in the mortgage industry, especially among companies servicing loans on any houses that are damaged, as well as owners of MBS with loans in them on any potentially damaged homes. At least the days are seeing more sunlight in the Northern Hemisphere. Daylight Savings kicks in on Sunday, March 10, just a little over a month away, and goes on until November. (Hawai’i, American Samoa, Guam, Puerto Rico, the U.S. Virgin Islands, and most of Arizona blow off this clock changing stuff.) Today’s Commentary podcast can be found here and this week’s is sponsored by Vesta, the new, modern Loan Origination System (LOS) which helps lenders reduce their costs to originate and improve their ability to integrate with new technologies in the ecosystem. Hear an interview with Vesta’s Mike Yu on LOS innovations and market demands for technology in a digitized space. Lender and Broker Software, Products, and Services Fair Lending: Get Ready for 2024! Fair Lending enforcement actions are at an all-time high and fair lending litigation is on the rise. Meanwhile, there’s been a slew of new guidance on AI, appraisal bias, immigration status, and other areas. In this latest webinar, Ncontracts discusses what financial institutions need to know about Fair Lending in 2024, including where regulators are focusing scrutiny, what new guidance means for your Fair Lending program, how Fair Lending has evolved over the past year, and how to prepare your lending compliance management program for 2024. Watch the full webinar for more.

American-samoa , Arizona , United-states , Longbridge , Pennsylvania , California , Hawaii , Cuba , Puerto-rico , Texas , Guam , Havana

The Three Kinds of Declared U.S. Strikes in Somalia in 2023

Future Security's David Sterman examines the context of America's declared strikes in Somalia in 2023.

Afghanistan , Ethiopia , Somalia , Uganda , Seiera , Jubbada-hoose , Washington , United-states , Galcad , Galguduud , Hobyo , Mudug

Congo-Kinshasa: On Your Marks, Get Set -Go! Let the DR Congo Blame Games 2023 Begin!

Congo-Kinshasa: On Your Marks, Get Set -Go! Let the DR Congo Blame Games 2023 Begin!
allafrica.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from allafrica.com Daily Mail and Mail on Sunday newspapers.

Kivu , Sud , Rwanda , Katanga , Katsina , Nigeria , Rutshuru , Nord-kivu , Democratic-republic-of-the-congo , Central-african-republic , Masisi , Kigali

Iceland workers voice anger, frustration at High Court

Iceland workers voice anger, frustration at High Court
rte.ie - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from rte.ie Daily Mail and Mail on Sunday newspapers.

Iceland , Ireland , Irish , Justice-michael-quinn , Justice-quinn , Joe-walsh , Donna-grimes , Naeem-maniar , Metron-stores , Food-safety-authority-of-ireland , Point-technologies-ltd , High-court

Iceland Ireland workers: High Court hears laid-off staff are in limbo

Workers at the Iceland chain of stores have voiced their anger and frustration before the High Court over the manner they say they have been treated by their employer.

Ireland , Iceland , Irish , Donna-grimes , Justice-quinn , Justice-michael-quinn , Joe-walsh , Naeem-maniar , Point-technologies-ltd , Metron-stores , Food-safety-authority-of-ireland , Metron-stores-limited

Failure to implement expert panel's advice an indictment on the State

Failure to implement expert panel's advice an indictment on the State
iol.co.za - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from iol.co.za Daily Mail and Mail on Sunday newspapers.

Gauteng , South-africa , Marikana , North-west , Free-state , Kwazulu , Eastern-cape , Sandy-africa , Patricia-mashale , Zondo-commission , High-level-review-panel , Operational-response-services

Iceland staff occupy store in Dublin city during ongoing industrial dispute

Staff said their employment was ceased last Wednesday and the store’s owners told them to go home.

Coolock , Dublin-city , Ireland , Iceland , Republic-of-ireland , Emer-moreau , Muiris-ocearbhaill , Bernard-mulvany , Eoghan-dalton , High-court , Food-safety-authority-of-ireland , Metron-stores