Last I checked it was still cold, and getting colder; yet, there are still people hanging out in the woods and beating the bushes, hunting…

Similarly, originators are in a colder sales environment, and they should be out hunting as well. I love it when a plan (for an analogy) comes together…

In this episode of Rick’s Picks:

  • SKIP and RICK are back at it, hunting for loans again
  • LOTS of IDEAS on getting more referrals and more business
  • Insight into some GREAT TOOLS from Crescent to help
  • Shenanigans at the camp site and in the outtakes
  • All in about 6 minutes!

Every November, the temperature cools down and people all over the Country bundle up in their camo and blaze orange and start loitering in fields and walking around in the woods.  Why? They’re going hunting for something. I mean, it’s hunting season, after all…

And, while you may or may not be a proponent of hunting, you’re going to want to tune into this episode of Rick’s Picks, where Rick and a special Southern guest do some hunting of their own.

In this episode of Rick’s Picks:

  • Skip Willcox, VP, Georgia and South Carolina, joins the Program
  • Tips for Originators to Increase Business in the Lean Times
  • Some pretty funny outtakes
  • All that and more in just over 6 minutes

Renewal is important.  We need to be refreshed and take the opportunity to start again.

Renewal in the mortgage industry is also important, particularly with VA loans. And now is the time to renew your VA sponsorship, as in… ASAP.  Tune in to our episode now to find out why.

In this episode of Rick’s Picks:

  • CINDY ARRAS, VP, Government Underwriting Manager
  • Details on VA Sponsorship & Renewal that you need to know
  • Some weird Halloween Ding Dong Ditch prank is going on at Rick’s home residence
  • Additional VA insight that you WANT TO WRITE DOWN, from VA Guru Cindy Arras
  • Not necessarily in that order…
  • All that in just over 5 minutes!



Have you ever driven down the same road so many times that your brain starts to tune out the details? Then one day you look up, then to the left and right, and you wonder how in the world you got to your destination? Your next trip down that same road causes you to realize there have been a lot of changes and improvements that you completely missed, because you were too busy texting while driving…

First, stop the texting. Second, start paying attention to your surroundings so you can take advantage of everything you’ve been missing! Now, please, don’t take offense…of course, this whole example is metaphorical…

In this episode of Rick’s Picks:

  • Rick goes Old School LATE NITE with the Rick’s Picks Top 5
  • Strategic Planning Tips to help you increase your margins for next year
  • Details on multiple Crescent products and services you probably didn’t know about
  • All of that in LESS THAN 5 MINUTES

SPECIAL THANKS TO  Annessa Frederick, Vice President, for her input on this episode’s content.

Well, that’s it then.  Summer is over.

Time to get back to school, work, whatever isn’t vacation for you.

Meanwhile, people are still building houses, due to the major housing shortage across the country.  If you’re not offering our 1xClose Construction to Perm program, you should be.

Oh, and we recommend some other things you should probably be doing as well.

In this episode of Rick’s Picks:

  1. Bob Shellenberger, SVP of Lending reiterates that he’s not attorney and he’s not giving legal advice
  2. He is, however, sharing a wealth of considerations that you will want to make
  3. How your Lending Policy and 1XClose work together
  4. Lots of information to help your bank


If you’ve read the title of this Rick’s Picks episode and you’re NOT wondering how Cats, Rate Caps and Sand Traps can possibly fit together, then that means you were probably with us at the Community Bankers of Iowa (CBI) Conference recently!

If you ARE wondering how in the world these three things fit together…well, then, just watch the video.

In this episode:

  • Cats (well, really just one cat, but he’s very special)
  • Rate Caps (a surprise about Crescent’s Extended Rate Cap/Float Down program)
  • Sand Traps – technically, this segment is at the end, after the credits…but you really want to stay tuned and watch it because I think you’ll get a kick out of it.
  • Crescent SVP of Lending, Bob Shellenberger – he’s all over this episode, spreading his wisdom.

All that, and more, in 6 minutes plus two minutes. You’ll see what I mean. Just watch it.

Wow. What a month June was. Lots of moving and shaking going on. What will July bring?  Only time will tell, but no matter what, we need to keep pushing ahead while we still can.

In this episode of Rick’s Picks:

  • A Fast Rewind of June – Were you aware all of these events happened?
  • The True Cost of Servicing – Lots of numbers here for your review.
  • Another Market Update with our Field Correspondent – something is definitely awry here..
  • Not necessarily in that order

All that and more in about 6 minutes!

Are you one of those people that’s interested in Crypto? I’m not myself…I’m asking for a friend.

But what a market, right? Specifically, I’m referring to the housing market.  If you want to try to make heads or tails of it, you’ve come to the right place…maybe.

In today’s Rick’s Picks:

  • Market analysis from our new Field Correspondent (reporting from The Field)
  • A Recap of Some Amazing Improvements To Our Jumbo Fixed Product
  • Some Really Funny Bloopers
  • And more, in just 4 1/2 minutes

OK, raise your hand if you thought that the market was going to be this busy, for this long, and continue through the Winter and through Spring? And in spite of a pandemic? or perhaps, due to the pandemic?

No matter, we’re all still busy, and Crescent has what you need for times like this.

In this episode of Rick’s Picks:

  • One Time Close Construction and Renovation
  • the Extended Rate Cap/Float Down, Explained (so you can explain it, too).
  • All in 6 minutes.

It’s April.  Are you tired of the new URLA yet?

Sorry did I say that out loud?

Crescent has a solution.

In this episode of Rick’s Picks:

  • An Inside Look at one of Crescent’s awesome web tools
  • A solution for the URLA that ails you
  • An opportunity to make your clients’ experience better
  • All that and more in just over 5 minutes


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