Time to Call the Landlord? >

Since mid-March of 2020 residential lenders, vendors, title companies, and thousands of businesses around the United States, and the world, have worked from home. Up...

crystal ball with FUTURE and year dates from past and future

Do Lenders Care About Forecasts or Predictions? >

Housing and residential lending are pretty much the only sectors that have steadily improved throughout the year. We are receiving credit for helping the economy,...

FHFA seal

The Agency Refinance Fee: Delayed But Not Forgotten >

Now that the furor has quieted down over the .5 point “adverse market fee” rolled out by FHFA Director Calabria, the industry is left wondering,...

Woman using computer to work at home waves at teammates on a virtual call

No One is Standing Over Anyone’s Shoulder >

Recently, I was on a Zoom call with my boss when she said, ‘I could use one of your jokes about now.” “Sure,” I said,...

Mortgage Outlook: What If It is Cloudy? >

No one owns a crystal ball. Five years ago, nobody answered the interview question, “Where do you see yourself in five years?” with anything close...

Millennial borrowers with loan officer from Rob Chrisman perspectives

Knowing a Borrower’s Mind >

You may think that your daily life is a series of actions forced on you by others. Or perhaps it is a series of actions...

man on a remote laptop call with mortgage colleagues

Reducing Friction >

Friction: “the force that resists relative motion between two bodies in contact.” For lenders, “friction” has come to mean the amount of paperwork, the number...

woman loan officer at home on a computer with a headset

Loan Officers: Now More Important Than Ever >

Residential originators are facing not only helping each client navigate the current lending environment, but also the organizational challenge of transitioning all or part of...

large percent sign with red downward arrow behind

Drinking From a Firehose is Not a Long-Term Business Model >

Over the last few weeks the United States has seen stocks prices sink, oil prices sink, and yields sink. The impact of the coronavirus, which...

nurse holding blood sample labeled corona virus

How Epidemics Impact Lending >

It is important for STRATMOR clients, and lenders in general to remember how a large-scale disease, in this instance the coronavirus, can affect the U.S....

Back view of happy family is standing near their modern house and hugging

Home Ownership Is Still Part of the American Dream >

I recently had a neighbor with three young daughters move to Wisconsin from California because a) the husband’s family lives in Wisconsin, but also b)...

Politics and impact on mortgage market.

Politics Do Indeed Impact Interest Rates and Borrowers >

We have another eleven months of campaign rhetoric, posturing, clashing personalities, and hearing the results of hundreds of polls. Whether you’re a Democrat or a...