It’s 2017, and a lot of things are changing…forward and backward…like FHA MI, for example.  Some things, like Crescent, continue to move forward.

In this episode:

  • The Founders of Crescent Mortgage
  • Some of our most “experienced” employees
  • Our President and CEO
  • Why our partners LOVE Crescent*
  • Hear how it all started for Crescent and how we got to 2017, in just over 12 minutes…

*Warning… You might get a little emotional…

It’s the last episode of Rick’s Picks for the year, and our gift to you during this Christmas and Holiday season is a big one that could save you a lot of green, and potentially your bacon.

On this episode of Rick’s Picks:

  • 15 days Free? Watch the video to take advantage
  • Tips on protecting your files in a rising rate market
  • Wise Proverbs from Patrick Dave, SVP of Secondary Marketing
  • and more, in just over 5 minutes

Merry Christmas and Happy Holidays everyone!

The Holiday season has begun, and that means food for a lot of people…but more on that later…

This Autumn, Crescent initiated it’s funding authorization policy for all delivery channels, whether Wholesale or Correspondent.  Those of you asking the “What?” or “Why?” questions will get your answers on today’s Rick’s Picks, featuring our own Bill Fowler, VP of Closing at Crescent Mortgage.

In this episode of Rick’s Picks:

  • Funding Authorizations – Updates that you need to know
  • Settlement Agents – What they need to know
  • Bill Fowler – He’s not just for Closing anymore
  • And more – Including a short bonus video: “Bill’s Grille”

Video 1 – Rick’s Picks 14

Bonus Video: Bill’s Grille

It’s not a typical November; we all can agree on that. The upper Midwest is unseasonably warm, the election happened, and now FNMA is implementing their documentation relief…

It’s an interesting time to be in this business. And now it’s time to think about the coming year.

In this Rick’s Picks:

  • FNMA Updates – Game Changing.
  • VA announcement – Don’t miss out!
  • 1X Construction to Permanent – It’s the future.
  • PLUS, some funny outtakes, if you’re into that sort of thing.

HERE ARE THE LINKS referred to in the video:

VA LINK

METROSTUDY LINK

It’s been a year since the CFPB rolled out the Know Before You Owe/RESPA TILA Integrated Disclosures rule. Now, we have a chance to take a second look at it, with the CFPB’s proposed clarifications to the rule.

In this episode of Rick’s Picks:

  • The CFPB’s proposed changes
  • How YOU can let the CFPB know what you think of these proposed changes
  • Special Guest Fowler Williams, President/CEO of Crescent Mortgage
  • PLUS updates on USDA, FHA, VA, 1xCP and more

LINKS MENTIONED IN THE VIDEO:
Proposed TRID Changes and How To Comment

HUD Termite Inspection Criteria  VA Termite Inspection Criteria

Hurricane Matthew Disaster Policy Bulletin Updated 10/13

P.S. USDA FUNDS ARE NOW AVAILABLE FOR 2017 FISCAL YEAR

It’s been a big topic during the last 12 months of political speeches, debates and discussions: Student loans are leaving a huge “debt footprint” across the U.S., but have we really considered what their downstream ramifications are?

In this episode of Rick’s Picks:

  • Student Loan Debt – some facts you should know, and how they affect your lending
  • Income Based Student Loan Repayment plans and the surprises they hold
  • Virtually ALL of the Secondary Market Agencies Student Loan payment requirements compressed onto ONE GRID
  • All in under 5 minutes…
  • PLUS, a bonus “SNL”-type segment, created by the Rick’s Picks team, following the show. Make sure you watch until the end!

Student Loan Repayment Criteria Grid (click this link)

Just click the video below!

There are certain things that happen cyclically, like the seasons, that you can count on occurring every year. Except, some years, those occurrences get exaggerated. A winter with a huge amount of snow, or a summer with a lack of rain. You get the idea. The USDA has it’s own cycle, which always starts on October 1, but this year is going to be an exaggerated year. You’ll need to watch the video to understand why…

In this Rick’s Picks:

  • The USDA Conundrum
  • a tribute to a popular motion picture from the 1980′s
  • and more, in less than 4 minutes!

Just click the video below.

HERE’s THE LINK referred to in the video

After covering Streamline Refinances for Government loans in our last Rick’s Picks, MGIC brought us some facts comparing Conventional loans with MI vs. FHA loans.

In this episode of Rick’s Picks:

  • FHA vs. Conventional with MI
  • HomeReady mortgages get even better
  • Jerry Haidinger, MGIC, makes a guest appearance
  • Technical Difficulties of Olympic proportions in Rio…

All that and more in 6 minutes…Just click the video below to get started.

According to Rob Chrisman, capital markets expert,  over half of potential Agency 30 yr fixed borrowers have a current rate on their mortgage of 4.5% or higher. Since the national average rate for a 30 yr fixed is 3.5%, over half of the 30 yr fixed Agency market might have reason to refinance!

In today’s Rick’s Picks:

  • Why you should be offering Government Streamline Refinance programs
  • A quick overview of what they entail (and what they don’t)
  • and more, all in just 5 minutes!

Just click the video below to get started:

School’s out basically everywhere! Summer begins now.

What happens next? Vacations and relocations…it’s the prime homebuying season!

In this episode of Rick’s Picks:

  • The aftermath of Rick’s Picks 6…
  • A great comparison of Low Down Payment options
  • And more, in about 4 minutes. Click the video to be informed and entertained.

Here’s the LINK referred to in the video

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