Rob Chrisman's Perspectives


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In addition to his daily commentary shared with thousands, mortgage industry maven Rob Chrisman regularly offers his thoughts on an industry topic in a blog-style article posted here, on the STRATMOR website.

Catastrophe and Climate Risk Is Only Increasing

June 1, 2024
Disasters strike areas, but they also strike people and families. To start the recovery process when your home is damaged...Read More

Down Payment Assistance Programs: Helpful but Not a Universal Remedy

May 15, 2024
As we shift from spring into summer, the atmosphere in residential lending remains stubbornly stuck: 30-year mortgage rates in the...Read More

Relying on the Fed: How Did this Happen?

April 10, 2024
The Federal Reserve’s thoughts and actions are in the financial news nearly every day, along with being discussed widely in...Read More

Wholesale Channel Overview and Outlook

March 14, 2024
It seems like the wholesale channel — and thousands of mortgage brokers around the nation with it — has garnered...Read More

It’s 2024: Do You Know Where Your Servicing Is?

February 9, 2024
Throughout late 2022 and all of 2023, a large number of mortgage servicing rights (MSR) blocks were sold and bought....Read More

Adjusting Loan Officer Compensation to Improve Profitability

January 11, 2024
The largest expense for most companies isn’t the new loan origination system, marketing campaigns, or rent. It is compensation. Compensation...Read More

How Treasury Auctions Influence Mortgage Rates

December 6, 2023
Have you ever purchased anything at an auction? Love them or hate them, in a free-market economy auctions are a...Read More

Listening to Real Estate Agents Can Pay Off for Originators

November 8, 2023
If we’ve learned anything from 2022 and 2023, it is that they are not 2020 and 2021. Volumes and margins...Read More

Mind the Down Payment

October 6, 2023
Yes, we’ve seen a big move higher in mortgage rates. But loan officers will tell you that the smart move...Read More

Knowing CRA Developments is Critical

September 12, 2023
There are some things that are difficult, or impossible, to put back into the bottle. Genies, toothpaste, technology, and government...Read More
The next big mortgage technology change may be appraisals.

Improving Revenue May Be Right Under Your Nose

August 3, 2023
Here’s some earth-shattering news for you: companies make money by earning more than they spend. To improve their bottom line,...Read More

Interest Rates are Like the Weather? Or Like the Signs of the Zodiac?

July 10, 2023
“The only function of economic forecasting is to make astrology look respectable" (John Kenneth Galbraith).” Lenders and loan originators...Read More

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