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


Purchases are the big thing now, and everyone’s looking for ways to differentiate themselves in order to capture some of the purchase action for the future.  How are you going to do it?

I’ve got an idea for you.  Did you know Veterans can finance more than one house at a time with ZERO DOWN using VA financing? It’s true, and you need to be talking about it.

In this episode of Rick’s Picks:

  • Cindy Arras, AVP and Government Underwriting Manager
  • The Impact of VA’s TIER 2 ENTITLEMENT on your borrowers
  • Drama in the Rick’s Picks control room and on the set!
  • VA JUMBO’s
  • AND MORE – this one is jam packed with info and fun. 8 minutes but WORTH it.

So this is 2021? Does it seem any different yet?

NO, not to me, either!

Second question:

How many times have you started working with borrowers only to have them leave you in the middle of the transaction, and you have no idea why? If your answer is more than ZERO, you need to watch today’s Rick’s Picks.

In this Episode:

  • 3 BIG TIPS to protect yourself and your borrowers from late bidders and telemarketers
  • The audience gets a little impatient with Rick’s babbling
  • Not necessarily in that order…
  • All in about 4 minutes!

We’ve passed the Thanksgiving holiday.  Actually, we’re well into December, and we’re all still really busy! But, here at Crescent, we’re staying on top of it (Underwriting is still turning in 4 days!)…but I digress.  That’s not what this Rick’s Picks is about.

Do you currently have home buyers that are on the lower end of the acceptable FICO score spectrum, and you just wish you could “pull a rabbit of a hat” for them?  If so, you need to watch today’s Rick’s Picks.

In this episode:

  • A little Holiday Magic
  • Help for your lower score Home Buyers that will make your other clients jealous
  • Magicians never reveal their secrets…until today
  • A very practical tip served up with some yuletide cheer, in just over 6 minutes…

CLICK BELOW to watch and learn!

It’s November.  There’s a lot going on, including a huge volume of refinances. While those may fade at some point (we don’t know when) people will still need to buy homes and build homes. And there are some special rules when it comes to low cash to close borrowers. We cover three special rules, in a special way, on this episode of Rick’s Picks. Oh, yeah, it’s True? or Not True? The GAMESHOW.

In this episode of Rick’s Picks:

  • True? or Not True? America’s FAVORITE Mortgage Game Show
  • Details on FHA Gift rules, Home Ready, and Cash to Close
  • SVP Bob Shellenberger is concerned about some of the show’s “compliance” issues
  • Mayhem ensues…but you have to watch to find out
  • All in just over 5 minutes

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