Good news, rates have been falling for the most of this year. Bad news, rates have probably bottomed and will head higher. Last week brought a gale of game-changing news, contradicting recovery, and a whiff of panic. This holiday-short week was news-thin, and mid-July marks the beginning of an often sleepy season for markets and [...]

National preoccupation with SpillCam is a useful distraction from a slow-motion blowout in financial markets. The leak in the money well will not harm the environment, but much like the deep-water layers of oil in the Gulf, a slippery mess is uncontained. The stock market is all over the place, but not the credit markets: [...]

What I hope to be able to accomplish with this blog is to make sure that borrowers (and Realtors) know that the loan officer is your advocate when preparing your loan for review with their underwriters and processing staff.  Loan officers have a responsibility to not only our employer but to our borrowers – a [...]

As I sit here and type this blog entry, I think of my childhood, about my mom and how she has influenced me into the person I am today.  I think all people (whether they will admit it or not) have a common and deep rooted connection with their mothers.  My mom and I aren’t [...]