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In my travels I’ve eaten some unusual foods, although maybe not this unusual, but here in Boise the talk is about how unusual it is that applications and locks have suddenly shot up in the last several business days. It is nice to hear and see the hustle and perseverance from originators pay off some. Taking a look at the big picture, per the U.S. Census Bureau, nearly 40 percent of all homeowners own their homes free and clear, or 33.4 million mortgage-free, single-family homes and condos. And some percentage of those have credit card debt that is 25 or 30 percent, so a tax-deductible ...

“I am part of the 4 percent who want to ban the teaching of math. We are a quarter of the country, and we will not be ignored! And that number is growing; soon we will be a fifth of the country!” While we’re being quantitative… Everyone knows that there are 50 stars on the United States Flag. In 1945 there were 48, before Alaska and Hawai’i were granted statehood. Someone should have told the folks who filmed or fact checked “Oppenheimer.” Continuing with numbers, the South or Midwest, which also boast the highest U.S. homeownership rates, are a...

“We are going to have a sales contest this month. The winners will get to enter next month’s contest.” Hardy har har, right? (Note: watch Glengarry Glen Ross.) As rumors swirl, and you know what they say about rumors, about the FHFA rescinding recent changes to its loan level price adjustment matrix this afternoon, I received this note. “Hey Rob, do you think that the CFPB is wise to some lenders switching referral sources to switch commission structures? Like where a loan comes in off the street, and a price is quoted with 1.25 for the LO, and client balks, so then...