Show notes: TMSpotlight: 09-02-2024 "Pour Some Sugar on Me," It Relieves Boredom----------------------Pour Some Sugar On Three. Two, escape inversion. Pour some sugar on One. Come on, hit zero. The countdown to the end of inversion goes through mechanical boredom despite anxiety by market participants. The dynamic tension coexists within … [Read more...]
Trigger Lead Bill, Growing Role of AI in Mortgage Lending, Bond Markets Prediction and Other Industry Updates
Show notes: TMSpotlight: 08.26.2024 "The Weight" Takes Time--------------------------Take a load to Fannie. Take a lock for free. Ship The Weight to Ginnie. Our target of a sub-6% mortgage is 50 bps away. Softening Jobs and receding inflation expectations give credence to the FOMC minutes and Powell's speech, signaling a September ease. Market … [Read more...]
New Buyer Agent Commission and Realtor Challenges, Jackson Hole Symposium, Shrinking TP sizes And Other Industry Updates
Show notes: TMSpotlight: 08-19-2024 Lags Happen, So "Knockin' On Heavens Door"---------------------------Job’s long black cloud is comin' down. Bulls are Knockin' On Rally's Door. Will recession odds rise faster than falling inflation expectations? The bond market expects the Fed will ease multiple times before Dec 31. Yet, uncertainty abounds … [Read more...]
Staying Mostly Sunny: A Positive Outlook on Digital Assistants, Customer Service, and Cybersecurity- Tech Update by Allen Pollack
[David] Hey David, good to be here today. Sorry, I think you're traveling, but I've got an interesting topic. I wanted to bring up a glass half full verse glass half empty thought. So is it partly sunny? or is it partly cloudy or is it mostly sunny or mostly cloudy? If you open up weather.com or many of the other apps, you'll see a lot of partly … [Read more...]
ROV policy, Data and Cybersecurity, Bond Yield Curve And Other Industry Updates
Show notes: TMSpotlight: 08-12-2024 "Always Crashing in the Same Car" Into The Bear Wall --------------------- The market’s going ’round and ’round the DATA garage Must have been getting close to 3.44. The struggling Dollar and Gold’s sustained bullishness point to calamity ahead. Meanwhile, Crude Oil and Bonds do not expect WW3 within the … [Read more...]
CFPB RFI on Mortgage Rates, Mortgage Bond and Market Rates And Other Industry Updates
Show notes: TMSpotlight: 08-05-2024 Mortgage Rates "Take It Easy" ------------------------- Fed is loose, and we will win Though let us never go back againSo open up, Loans climbin' inSo take it easyIn May when mortgage rates were 7.25, you heard me on Lykken On Lending say that mortgage rates would drop significantly before the end of … [Read more...]
NMLS Fee Increase, Fed Rate Cut, Tech Fraud Prevention and Other Industry Updates!
Show notes: TMSpotlight: 07-29-2024 Stop Fretting and "Walk" ----------------------- Lenders remember the days.They built these paper mountains.Then sat and watched them burn.Data come and go that drive MBS prices up and down. With the worsening economic conditions in Europe and soft US Housing, the curve twists and turns. Lenders lost a lot … [Read more...]
Homebuyers Privacy Protection Act, Crowdstrike Outage, Fed Rate Cuts and Other Industry Updates!
Show notes: TMSpotlight: 07-22-2024 Bulls Say "Welcome to Paradise" --------------------- Dear Powell, Can you hear Jobs whining? It's been three whole years since inflation felt your hold. Despite declining volatility, the new bullish trend remains solid. News continues to affirm that two rate cuts make long-term rates happier … [Read more...]
From In-Flight WiFi to Mortgage Market Developments – Tech Update by Allen Pollack
[David] Let's get into your tech update, Allen, what you got. [Allen] Let's do it. So, a couple interesting things going on. One. This is like a shower thought, David, or it's an airplane thought, there's going to be a shout out. [David] I'm glad you went to shower rather than just a bathroom thought because I know where I do my thinking. … [Read more...]
FHA 203K Reforms and Market Shifts, Hidden costs of Homeownership and Other Industry Updates!
Show notes: TMSpotlight: 07-15-2024 "Espresso" ------------------------The markets movin’ in a tight range. Isn’t that sweet? Try not to sleep. Don’t you need Espresso? Some news gives you a jolt. Then you see the screen blink red and green because it's speculating about nothing. No easing, high inflation. High easing, no growth. No liquidity. … [Read more...]
Navigating AI Advancements and Data Security Challenges in Mortgage Tech – Tech Update by Allen Pollack
[David] Allen Pollack is in the house. He is Chief Operating Officer and consultant tech expert in the world of everything technology mortgage tech. He's here this week with the mortgage. That's more than mortgage. Just the whole tech update that the amount of AI that's coming in, Alan is just this we're now an AI platform. Is this my imagination … [Read more...]
July Market Dynamics: Fed Rate cut, Chevron Ruling, Data Breaches and the Role of AI in Mortgages and Other Industry Updates!
Show notes: TMSpotlight: 7.08.24 Liquidity is running dry, "It’s So Lonesome it Could Cry."---------------------Hear that lonesome Repo well. It sounds too low to fly. Last week, the implied likelihood of a September Fed rate cut rose to 73%. Over a week ago, it was 62%. Bonds cry for a “higher for longer” Fed. But the fall of the dollar and … [Read more...]
AI, Chat Hub, and Industry Innovations – Tech Update by Allen Pollack
[David] Allen Pollack is here with the Tech Update. Allen, I always love what you're talking about. I may have one on you, Allen, Have you heard of, let me give it drum roll this here for a minute. [drum roll] Have you heard of Chat Hub? [Allen] No. [David] You have got to go check out Chat Hub and I have it up and running. And it was … [Read more...]
Profitability challenges amid NAR settlement, and the Future of Real Estate Commissions and Other Industry Updates!
Show notes: TMSpotlight: 7.1.24 Segmentation, disinflation, pro-inflation; obligation, "Ball of Confusion" ----------- People selling out, people buying in because of the color of their screens. With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend while the 10-yield … [Read more...]
FHFA approval on Second Mortgage, Bond Market and Other Industry Updates!
Show notes: TMSpotlight: 06-24-2024 Affordability Remains an Obstacle and Servicing values will Drop, it's a "Ball of Confusion" ----------- People selling out, people buying in because of the color of their screens. With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend … [Read more...]
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