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There’s a definite shift going on in banks as continued layoff rumors in jumbo and portfolio divisions are rampant. At the other end of the job chain, people’s circumstances about how they entered our business are often fortuitous, or interesting. A good conversation topic at mortgage gatherings is how someone got into the business. Santa Rosa’s Brian Goulding, for example, has a solid accounting background which morphed into being a loan officer. I was a food science major. Another good conversation topic is how LOs use rent, and rent increases, to prompt buyers. Since 2009 rent prices have grown by 60 percent or more in seven U.S. cities: San Jose (85 percent), Denver, Seattle, Portland, San Francisco, Nashville, and Austin (60 percent). Rent prices are also rising faster than incomes, which forces tenants to shell out a greater share of their wages on rent. At 28.5 percent, Miami has the highest rent-to-income ratio of the 50 largest U.S. cities, while Cincinnat

United statesSan franciscoKendra leeNora guerraJosh dobsonKim dittmerJustin wisemanAndrew bryantMelissa langdaleJason frazierRobert finlaySanta rosa brian gouldingColgate seldenJim fraserGuild mortgageAdvisory services