02-14-2022 Weekly Updates With Alice, Allen, Matt, Les, And Rob

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The first half of the Lykken on Lending program will feature our Weekly Updates….to read more info about our regulars and weekly updates, go to our website!

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Weekly Updates With Alice, Allen, Matt, Les, And Rob

It is Monday, February 14th, 2022, Valentine’s Day. Here is the big question. I came downstairs to meet my coffee and get ready. My wife had already set out Valentine’s card, some nice things out there for me. This was the first year I had bought Valentine’s card far enough in advance, but I had to go find it. It was fun. How many of you out there scrambled to go and remember, “It is Valentine’s Day?” You are scrambled to go out. I love to hear from you. Text me how many you prepare in advance like I did, which is out of character for me. How many of you are scrambling here on this day? We are grateful to have you as our reader, Mr. and Mrs. Valentine, out there. The Valentine’s greets to you all.

This show is created by mortgage professionals. It is for mortgage professionals. Our commitment is to bring you timely information in a blog format you can read anytime and anywhere. We have, in our hot topic segment, some interesting information. We got Russ Anderson joining, Jack, me, and the rest of the team. Jack and Russ used to work together at Texas Capital Bank. We are going to be talking about some interesting topics.

A lot of mortgage bankers don’t necessarily think about cash management, but we are going to get you awakened to that. Russ and Jack have retired in one sense, but they are still involved in the mortgage industry. We are thrilled to have them. This is an important topic for IMBs when it comes to basic cash management, and you think, “We are a small little company. We are not subject to that.” You are, and you are going to benefit from this episode. I’m looking forward to having you on all the way through to the Hot Topics segment.

Let’s say a special thank you to Industry Syndicate. We are thrilled with them in the promotion of our show. We promote them. They promote us, along with a whole lot of other shows. I encourage you to check out IndustrySyndicate.com. Also, the Mortgage Bankers Association of America, to become a member of that, please also be signed up for the Mortgage Action Alliance Application. We are thrilled with our participation and all that the MBA does for us.

We got another conference coming up with Finastra at the ICBA Conference down in San Antonio. It is exciting with some of the things going on within Finastra. We also have Chris coming up, who is the President of the Americas division part of Finastra. They are an international company. I do encourage you to go back and read the October 4th, 2021, an interview we did with Karen Jenkins, in which we talked about their strategy and how they designed their system. It is an open architecture they have designed that allows other vendors to connect with Fusion Mortgagebot Solution. It is great to have them as a sponsor as well as Lenders One and The Mortgage Collaborative.

We got two conferences coming up. Both of these organizations, our co-ops, allow you to get up and close with your peers as well as vendors. We are members of both of these co-ops, and that is a great way for you to find out what is going on with people in a smaller, more intimate setting where more is shared. We got The Mortgage Collaborative coming up at the end of March 2022, and we got the Lenders One coming up at the beginning of March 2022. I will be in my hotel reservations for both of them. Looking forward to being there.

I’m excited about having Total Expert as one of our newest sponsors. They are doing a great job of helping people connect with consumers. Be sure to check out Total Expert. They are well-known in the industry. I don’t have to say a lot, but for those of you that have not checked out Total Expert, please do so. We will have more information on them in an upcoming episode, also Knowledge Coop. A great way to sign up for their upcoming new releases, go to TryTheCoop.com and get signed up. They will be releasing the new version on April 1st, 2022.

There is Mobility MMI and Modex. They are intelligent tools that these two companies have for recruiting and getting insights. I was talking to one of my clients, the folks over at 3:00 AM. We refer to them at ALCOVA, and we are talking about the importance of the data that you can get that helps you. I wonder how many of you are communicating using these tools to communicate with your branches the intelligence. It is great for recruiting, but the data that they have in both of these systems allow you to get insights into the real estate community and who the realtors are selling what. It gives you down to the transaction level. It is a powerful tool. Both are on our website as well as by going directly to their websites.

Snapdocs, we are thrilled to have them as a sponsor with over 3 million mortgage closings in 2022 that they have done. They work with title companies, notaries, and lenders. It is a powerful tool. If you are not familiar with their company and what they are doing, check it out. Check out the interview I did with Vishal Rana back on September 13th, 2021. SuccessKit, we are thrilled to have them as a sponsor. They are an effective way to reach your audience through the testimonies of your clients or your customers. We are using them more and more. I’m so thrilled with the quality of what they do. Check out SuccessKit.io.

Lender Toolkit is one of our newest sponsors. We are thrilled to have Brent Emler with us as well as Brett. We are excited to be a part of that organization and what they do. I was talking to Kimberly Nichols, one of our other newest sponsors, PennyMac. We are thrilled to see what they are doing. The new name is PennyMac TPO. That is how they branded it. Check out PennyMac TPO. Go back and read the interview we had with Kim Nichols on November 1st, 2021. Also, DW Consulting. Debbie Wemyss does a great job of helping you prepare your LinkedIn profile. I appreciate all of our sponsors. Thank you so much.

A special thank you goes out to Rob, Les, Alice, Allen, Matt, and Jack as the cohost. We normally would go out to Rob Van Raaphorst at this point to get the MBA Mortgage Minute, but they are not publishing. They did send us one, and Alice told me that they didn’t send out the MBA news. I’m not sure why. Maybe they are celebrating Valentine’s or a little too much celebrating the Super Bowl. Let’s get over to Les Parker with his TM Spotlight and a macro view of the markets.

The premise that perception is reality leads to detrimental fantasy. Ask a man that thinks he understands his Valentine thoroughly and gets a sharp no when he asks to split the check. His perception meets reality. In the financial world, markets price all perceptions expressed in a buy or sell. Perception is how each investor sees the world. The reality is the price of each financial instrument. Rich or cheap, it doesn’t matter when a bull loves markets. These views are my own. Find love for markets TMSpotlight.com.

Reality is the price of each financial instrument, rich or cheap. Share on X

He tied in something Valentine’s there in what is going on on the market. Matt, it is good to have you here. He is the Founder and CEO of MBS Live, a must-have technology, and website that keeps you up in touch at the top of the markets. I caught it open all the time, MBSLive.net. Matt, what is going on?

In the bond market, things have been pretty crazy in the past month. We are continually in the process of repricing our expectations for Fed policy. That is the broad stroke. That is why rates are rising, and there are no other reasons unless we want to trace them back to their root causes and things like inflation. The big moves followed the Fed.

We had an interesting Thursday. CPI, Consumer Price Index, came out on Thursday. I don’t often get surprised, as surprised as I was on Thursday, to see the extent of the market reaction given the data that came across. Core CPI is what we focus on more than anything. That is what the Fed was trying to get to stay around 2%. After they released their revised inflation framework, they said, “It could be between 2% and 2.5% over time.” COVID threw that out the window, and we are rambling to do what we can to deal with inflation that appears to be more than transitory.

It is questionable as to whether or not Fed policy is going to make much of a dent in something that is largely supply-side driven. Nonetheless, the Fed is eager to tighten policy, and the market is eager to view things like CPI as impacting the Fed’s decision-making process. Case in point, CPI came in at 6.0% versus 5.9% forecasts, a 0.1% beat. That is a small beat. It is not the size of a beat that wouldn’t normally coincide with major movements in the bond market. This time, however, it sent yields screaming to the highest levels in years. MBS sold off aggressively, and rates shot up and were over 4% in most cases and continue to be at 4%.

A big reaction to a small beat in CPI. Why might that have been the case? First off, it wasn’t necessarily a small jump from January 2022. The reading for that particular metric was 5.5%. It is a half-point increase in annual inflation. It is big month over month, even though that was in line with economist expectations almost.

The other thought is that the market was hoping to see things moderate a bit more. They said, “The market is already expecting the four-tenths of a percent increase, maybe we are not going to see quite that much, but when we saw more, it was extra surprising.” The takeaway for financial markets was a quick move to price in an additional size in the rate hike that is already guaranteed to happen in March 2022, pending other catastrophes.

It would be weird for the Fed to hike by 50 basis points. Roughly half the market thought that before CPI, and almost the entire market thought that after CPI, which is outrageous. We haven’t had the 50 basis point hike in decades. The Fed has been clear in communicating. They were like, “If we do that, we will hike once in March 222 and once in May 2022.” Nonetheless, the rate hike expectations increased quickly. That translated to higher rates across the curve. It affects short-term yields more than anything, but it affects the long end.

The Fed’s president Bullard, who I have in the past characterized as a robot designed by the Fed to float trial balloon ideas out to see how the market would react, did his normal thing of floating some crazy ideas out there, and the market reacted. In a nutshell, he said he would like to see 100 basis points of rate hikes by July 2022 and a 50 basis point hike at the March 2022 meeting. The bleeding edge of the aggressive side of the Fed spectrum.

There was a lot of attention paid to Bullard on the news. He was back on the news. He was not the biggest market mover on Thursday. It was interesting, and he did move markets but not as much as CPI. You will see these things happen from time to time, especially for people who read Zero Hedge, where we get these ideas or an idea gets spun in a way that doesn’t represent reality. We have a scheduled Fed board meeting that is like many other Fed meetings that are scheduled in an obscure section of the site that people never go to. The same meeting happened on January 18th, 2022, December 14th, December 6th, and November 16th, 2021, all of these closed-door Fed meetings.

The spin on it was that this was the Fed’s way to announce an emergency rate hike. It is not happening. It won’t happen. An emergency rate hike is silly. I can see a need for an emergency rate cut to soothe markets that are panicking about some new shock, but you don’t need an emergency rate hike in any event. The details of this meeting were well known ahead of time to anybody who was paying rational attention.

I would urge the readers not to jump to conclusions if they see a headline that says, “The Fed is going into this closed-door meeting to do an emergency rate hike.” They are not. They are gonna hike rates and probably a lot unless things change in terms of inflation. They will do that at more of a measured pace. If they do a 50 basis point hike, in my opinion, even though the numbers don’t agree with me, it would still be more likely to happen once in March 2022 and once in May 2022 as opposed to 50 basis points all in March 2022.

Mortgage: Do not jump to conclusions if they see a headline that says, “The Fed is going into this closed-door meeting to do an emergency rate hike.” They are not.

I know we need to wrap up, but everything reversed course in grand fashion with headlines regarding the likelihood of the Russian invasion of Ukraine. This gave us a risk-off bid on bonds. They fly to safety for stocks and make for an uncertain weekend. Coming into the new week, we have comments from Russian Foreign Minister Lavrov saying, “We are not invading Ukraine. We are still going to do the diplomacy thing.”

Believe them if you want or don’t, I don’t care, but markets believed them enough to bounce back in the other direction quite a bit. Tenure yields back up by over 2%. MBS is down almost three eights of a point. Rates staying over 4%. We are playing a waiting game. We are waiting to see if there is a Ukrainian invasion that will happen. That would be the key market mover if it happens, but not enough in and of itself to change the narrative for rates unless things got crazy than they got in 2014. I’m sure that is a justification for lower rates that we probably are fine avoiding for now, but up and away for rates if we can find some support.

We got some questions from our audience. One question is, how much market movement do you anticipate in the event that Russia does invade Ukraine?

It depends on the nature of the US involvement and the magnitude of the conflict. If it is anything like it was in 2014, which we barely remember at this point, it has no impact, and it didn’t have an impact then, either. A few headlines caused an intraday bump here and there, but it wasn’t the thematic market maneuver.

If the US gets involved in a ground war with Russia and Ukraine, who knows? The counterpoint is that there is an inflation component because there is something about some oil over there. That could keep upward pressure on inflation and could offset some of the bond-buying motivations that might otherwise come from geopolitical conflict anyway. It would have to blow up and get ugly for it to push back meaningfully against the upward pressure that we are seeing from Fed policy expectations.

Another question that came in is Zero Hedge. You mentioned that in your report, several people wrote and said, what is that you go to ZeroHedge.com? They have heard a lot of conflicts, and several says, “Don’t use that. It is not good. Don’t go there” There are a couple of comments and open questions. Is this a good website to go to, or is it like, “Don’t bother?”

The thing about ZH is they do a good job of putting out news wires quickly on their Twitter feed. They have several other sites. Mostly, sites that ZH follows and copies. It is sensationalistic, and they will twist a headline to make it seem like it is interesting when in fact, it is not. Sometimes it is, sometimes it is right, and sometimes they have decent stories, but they are reliably alarmist, sensationalistic, quick bait.

Zero Hedge is very sensationalistic, and they will twist a headline to make it seem like it's really interesting when, in fact, it's not. Share on X

Get eyeballs, not necessarily give out facts, or the way they give out the facts as questionable. Jack, do you want to comment on the market and what Matt is reporting on?

First of all, I agree with Matt. Geopolitical events do not have a significant and lasting impact on the markets. One of the things that I wanted to mention is I love looking at prior period forecasts and matching them against reality. I was looking at the MBA’s forecast for interest rates. They had forecasted the 30-year fixed rate in Q4 to finally breach the 4% mark. I was also reading a survey of the top 200 lenders in the United States. Their pricing for a conventional 30-year fixed rate is 80% LTV. FICO 700 to 760 on a purchase transaction, and it was 4.2%.

That lines up with the MBA forecast for Q2 of 2023. It looks like we are about a year ahead of the interest rate forecast. It will be interesting to see what that does for an already dismal projection for origination volume, $3.99 trillion, in 2021. Forecasting a $2.6 trillion in 2022. We are looking at a 35% decline in origination volume, and that may modify because we are already over 4%. It is a couple of interesting statistics to give our readers.

One other question came from one of our readers. There is a 30-year UMBS at 3%, is what they are saying. Is that the best one to have up on the upper right-hand corner of MBS Live?

That is why we put the gold star next to it. Three percent arguably would be inferior to 3.5%, but we have so much more liquidity in threes that they are still the best place to watch for intraday risk and movement. We are still waiting for 3.5% to find some better liquidity.

I love some of the comments about PennyMac, one of our sponsors. I forward some of that feedback over to them because it is a great website. I encourage people to go there and look at it. Lots of chatter about who is doing what. PennyMac was in the news a bit and some of the check homes there. Good job, Matt. I love what you are doing. Check out the website by going to MBSLive.net. When you sign up for the trial period, you can do it for an extended period without the use of a credit card. I appreciate it. Many of you have already signed up. Alice Alvey, it is good to have you here.

I wanted to talk about two things that we have mentioned briefly in past reports, but I felt like I needed to get a little bit more information out to all of our readers. The first one is the Fannie and Freddie desktop appraisal topic and making sure everybody is geared up for this March 6, 2022, LPA accepts the loan. Freddie Mac picked up on this earlier on March 6th, 2022. Fannie Mae will have DU run eligible for this on March 19th, 2022. There are two new appraisal forms. You want to make sure you have checked out.

The appraiser will choose between a hybrid or a desktop appraisal based on whether or not they have ever done any field work on that subject property. You will look for the feedback message from the agency that says, “The desktop is available to be used on that particular transaction.” We have had some folks questioning. What if the house has had lots of improvements? What if it is important for them to get into the house?

If you read deep into the memos, you can see that interior photographs can be submitted by the builder if it is newer or the realtor. There are ways to make this work and still help get your appraisal back on time. Hopefully, everybody has been able to think through their processes and change of circumstances if you get started, and you need a legitimate loan increase.

Both agencies say, “No loan increase.” If the desktop comes in higher, you can’t increase the loan amount with it. Your loan amount is got to stay the same. We all know that change happens with mortgage borrowers. If you do need to walk through going back and getting a full appraisal, you are going to be pushing that loan all the way back to address the change of circumstances and the increased appraisal fee and make sure you got yourself buttoned up on that one if you decide you need to go back for a legitimate increase in the loan amount.

Mortgage: Change happens with mortgage borrowers. If you do need to go back and get a full appraisal, you will push that loan all the way back to address the change of circumstances and the increased appraisal fee.

Policies are being set around that. Good luck to everybody out there. For the self-employed borrower, as long as you have the 2020 tax return, which most of us are getting now anyway. As long as you get that, those older requirements are going away with the exception of the verification still having to be done within twenty business days of the notes.

A heads up that I wanted to clarify that aspect. I said it fast in the last episode. I wanted to make sure everybody was clear that you got to have those 2020 tax returns. I don’t need to get the bank statements. You still need all the P&Ls. Make sure you get that stuff right this time of year, but no more bank statements.

Last but not least, don’t forget the comment window period is still open for the consumer financial protection bureaus’ request for public comment about fees. They are trying to get to the bottom of what junk fees are and when lenders are overcharging. There is a lot in here that has to do more with payday lenders. Please, as an industry, we got to comment on this. We are not up charging our fees. We got enough regulation and reclosure going on that most lenders don’t go down that road. We are still going to have to defend ourselves here and make sure CFPD is well aware of the mortgage industry and what our position is on various fees.

The interesting part for this to comment on is you got to go to the news section of their website. It is not under the rules open for comment yet. I found it because they had a press release, and you want to make sure that you grab it there to go out to comment a little bit of a heads up there. I sent you a link, Dave. The housing funding program is open. A lot of states are approved, and there is a chart out there.

Some states are still in pilot programs. Check out that homeowner fund that is available for your homeowners who are struggling in foreclosure and make sure they get available assistance from almost $10 billion that came out of the US Treasury to help fund borrowers and foreclosure. We sent the link to Dave. He can put it on his website. That is out there for your borrowers and friends who are struggling to make their mortgage payments. Back to you, Dave.

We released the interview that Jack and I did with Allan Weiss. That was interesting, Alice, about the appraisals. I encouraged all of our readers to go out and read the interview I did with Allan Weiss. It was fantastic. What he does with Weiss Analytics, as well as Valshield, is fascinating. I encourage every one of our readers to go back and check it out.

Alice, I love to get your thoughts on it when you get a chance to go read it. I know you have been busy, but several people have already commented on this and said, “Ask Alice about this.” I love the technology they built there at the Union Home. They ask Alice about technology. Someone picked up on that when we talked earlier. He said, “You said we could say ask Alice. This is my Ask Alice request. What does she think? Is this some of the information and the technology that is in there that is going to help with the appraisal issue?”

People want to know what Alice thinks. Imagine that. Thank you, Alice. I appreciate it so much. Allen Pollack is here with a tech update. Allen, it is good to hear from you. We got some feedback on that survey you talked about, and I know several people have reached out for information about it. What have you got?

For anyone that likes that information, ICE Mortgage announced what they call their technology innovation award. That one was more focused on the survey on borrower sentiment in the industry. You try and tie borrowers to what is happening with tech. With ICE Mortgage having many vendors integrating with them, you want to check that out too. They announced their 2022 technology innovation award winners, and they also explained why they picked their top picks, which leverage automation and data and look at better experience for borrowers. Check that out. If anyone needs a link to the survey, feel free to message us, and we will share that link with you promptly.

ICE Mortgage just announced their 2022 technology innovation award winners. They explained their top picks, which leverage automation and data and look at better experiences for borrowers. Share on X

Get this. $20 billion will be spent in 2022 on Valentine’s Day. It is not as much as in 2020. $27 billion was spent, but it dropped in 2021 to $21 billion, and it is back to $23 billion. It is a little short of the $27 billion in 2020 but still at all-time highs, and restaurant reservations were up 30% in 2022. I don’t know if that’s 30% since pre-pandemic or average over X amount of years, but we are on the move. We are back out and doing great stuff. I wish there were more inventory in the market, and rates would stay low. That would be the ultimate wake-up and have Christmas morning every day. It would work for everybody.

Let’s talk about Super Bowl. All kinds of crazy stuff on the Super Bowl. One thing which I thought was interesting was Rocket Mortgage. There are two things going on. Everyone bets on the squares for the Super Bowl, but they had their own contest online. They gave $50,000 for things like touchdowns, and field goals. If you happen to have been a part of that, I’m sure there were millions of people that did it. Hopefully, you won the $50,000.

Separate from that, they didn’t have as many mortgage articles or advertisements as I thought there would be. There was a Barbie dream house with Anna Kendrick and Barbie. They had a staring contest. You can make up anything you want. It is on YouTube. If you want to check it out, please do. What is funny is some of the ads. We have completely shifted how we look at what advertisements are. The best one this year was McDonald’s. It’s a bunch of people that said, “Can I get it?” They pull up to the drive-thru window, and they are not sure what they want. They paused.

Someone finally said, “Can I get some chicken nuggets?” They said, “What sauce do you want?” They said, “Ah.” It was funny. You are all prepared. You were like, “I’m not going to mess it up this time.” They said, “Your order is $15” You were like, “Wait, I wasn’t done.” McDonald’s hit the nail on the head with that one.

Peyton Manning was in at least four commercials. He is probably the most commercialized Super Bowl athlete. The other one that was good was the NFL football commercial. It is pretty good. It was like Indians of the cupboard and it was sponsored by the NFL. It was these players who came out of a video game and came to life in somebody’s house. They mess up the entire house. That was good. This was called the Crypto Bowl. That was the big term. I thought crypto was going to jump. Bitcoin is only up a hair. I mean less than a percentage, but on a seven-day volume, it is down. Almost all the major cryptocurrencies are down on a seven-day volume.

I’m not going to try and steal your thunder, Matt, because I don’t know how to talk about the market as well as you do. If you go to Crypto.com and take a look at this, different coins and such, but nobody had a bump. However, the best crypto commercial David was Coinbase. What they had was music for 30 seconds and a QR code that did nothing but bounce around the screen. I did scan the QR code, and I wound up with a website and a special offer, $15 if you signed up. There was eToro, FTX, and a bunch of other ones. FTX was like, “Don’t be like Larry David.” For those of you that have seen the HBO Special, Curb Your Enthusiasm is much Larry David’s style. In the end, they said, “Don’t be like Larry.” It was great.

The other big thing David, and talking about trends, where we are going, and how I’m going to connect with the mortgage in a second. You will see electric cars. Chevy must have spent a ton on the electric Silverado because not only was it on TV, but when I went back to get some work done before Monday, lit was all over the internet and YouTube. They have invested a ton of money, but there were a lot of electric cars. I even saw randomly scrolling through Facebook. Somebody said that their kid wanted the new Hyundai electric car. They now want a Hyundai because it is electric. It was a lot.

There are lots of commercials for streaming networks. We have gone to where everyone had the cable connected to their house to their mobile device, paying for a service, a consumable, monthly reoccurring consumable for streaming networks seems to be resilient to the economy and to inflation. The other thing on top of that is Uber Eat.

Mortgage: A monthly reoccurring consumable for streaming networks is resilient to the economy and to inflation.

There were some things about Metaverse and Super Bowl. They had their own app. Everything was about mobile. It was about the new way of going about how borrowers are. It is not very much on smart speakers. If you remember years prior, it was all smart speakers. There was one where the smart speaker did everything. It shouldn’t. It interrupted like a human being. There was a guy who was on a date with his girlfriend or his wife. Everything he said, the smart speaker could. It is always listening. It jumped in and said that he was lying or he was incorrect. This is funny.

Borrowers are going mobile. We are borrowers. We are going mobile. That is where everything is going. I throw that out there for this episode. I use the time up to talk about that. David, I will leave us to talk about education. I talked about Access Lending in the last episode. They are not a sponsor of the program. Maybe we will talk to them and get them to be sponsors, but I love what they are doing.

Somebody made a comment to me that I wanted to share. Education opens opportunities. What do you call someone that graduated from dental school? The first and last undergraduate program is a dentist. Talks and walks like a doc. It is probably a doc. It is important in our industry. Let’s continue that trend, knowing how hard it can be to break into this great industry we are in, especially on the technology side. Unless you have the tools, connections and integrations, and cash, you can’t break in. Let’s change that. Let’s help people get into this industry to continue to bring bright ideas, borrowers, and young people in. Let’s get people to help us continue to expand in technology to move us forward. That is it for this episode, David.

Get hold of Allen at TMS-Advisors.com. Allen, thank you so much. I appreciate it. Have a great rest of your week. That wraps up the weekly mortgage updates. You can read this on each and every one of the previous episodes, or you can read each segment by going up in the menu bar above. Do the dropdowns, and you will see it. You can read everyone’s segments. They are stacked up there. We love hearing from you on the app and looking for subject suggestions as well as what we could do better to help you.

For the next episode, we talked about what’s going on with interest rates and how a lot of people are looking at where interest rates are going. We reached out to Les Parker. He is going to join us next episode and answer a lot of questions. The one question I got is he made a prediction earlier that we all wrote down because it was astounding. He said, “It is possible that we could see the ten-year treasury back under 1% for a period of time.” What is he talking about? We are going to ask him that question and many other questions in the next episode of the Hot Topic segment. Stay tuned. We will be back with that one next episode.

If you are going in and see more on our website, you will see all the new episodes we are releasing during intro week. We have expanded beyond the flagship show here we have on Mondays to cover more topics that are out there and need to get covered. That is a lot as a result of your request, readers. I appreciate it. Thank you to our sponsors, Finastra, Lenders One, Mobility MMI, Modex, the MBA, Knowledge Coop, The Mortgage Collaborative, Snapdocs, SuccessKit, Lender Toolkit, PennyMac, as well as Total Expert. Thank you so much, everybody. Have a great week. I look forward to having you back here next episode.

02-14-2022 Weekly Updates With Alice, Allen, Matt, Les, And Rob

Weekly Updates With Alice, Allen, Matt, Les, And Rob

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