Home Financing Despite the Partial Shutdown
There is lots of blame to go around and fingers being pointed as the partial shutdown of the federal government drags on. The mortgage industry...
Rob Chrisman's PerspectivesLow Down Payments Can Help Borrowers AND Lenders
A report out this month from Genworth Financial tells us that monthly mortgage payments for first-time homebuyers increased by 15 percent year-over-year from higher interest...
Rob Chrisman's PerspectivesServicing: Don’t Underestimate Liquidity
Servicing values impact borrower pricing just as much as the mortgage-backed security market. Anyone interested in servicing follows recent pools, volumes of MSR (mortgage servicing...
Rob Chrisman's PerspectivesRise of the Credit Unions
Here’s a trivia question. Which set of financial institutions charge materially lower interest and fees for most loan products, pay higher interest on a wide...
Rob Chrisman's PerspectivesWhat Does Affordable Housing Mean?
Residential lenders have a wide variety of products to offer products. That is true despite the feeling that loan officers have of, “All we have...
Rob Chrisman's PerspectivesWith Regulations, Be Careful What You Wish For
We are fast approaching the tenth anniversary of The Great Recession, The Credit Crisis, whatever you’d like to call it. In mid-September Lehman Brothers collapsed,...
Rob Chrisman's PerspectivesPlight of the Small Independent Lender
I know many owners and CEOs of residential lenders and would never bet against their success. They represent a very savvy, entrepreneurial, and street-smart group...
Rob Chrisman's PerspectivesAmazon in the Mortgage Jungle
What company makes the news when it lowers the price of its Ring Video doorbell? What company partnered with Lennar to install multiple Echo microphones...
Rob Chrisman's PerspectivesHow Good is Your Company’s Cyber-Security?
Those who have been in residential lending more than ten years remember a time when they didn’t know what the term “cyber” meant. But in...
Rob Chrisman's PerspectivesServicing: All It’s Cracked Up to Be?
Servicing is a big deal, and how it is handled can make or break a company. STRATMOR offers mortgage lenders a range of options to...
Rob Chrisman's PerspectivesWill User Names and Passwords Go the Way of Thermal Fax Paper?
Moore’s law is the observation that the number of transistors in a dense integrated circuit doubles approximately every two years. He later revised it to...
Rob Chrisman's PerspectivesDoes Everyone Want a Job?
It appears that the U.S. economy is off and running as we enter the second quarter of 2017, despite the Federal Reserve’s Open Market Committee...
Rob Chrisman's PerspectivesAre You Sure that Rates are Going Higher?
What if everyone thought we were going to see higher mortgage rates, and we didn’t? Remember that this is exactly what happened 13 months ago...
Rob Chrisman's PerspectivesElection Day 2016 is Over – Now What?
The 2016 election is over, but the new administration is just beginning. For attorneys, it has the potential to impact future generations in a way...
Rob Chrisman's PerspectivesHow Consumers Influence Interest Rates
According to many economists, consumers are prepared for rising interest rates. This statement is backed by examining, not only consumption behaviors, but the willingness of...
Industry Outlook, Rob Chrisman's Perspectives