Ever wonder if perhaps there’s something you should be doing differently? Could 2020 be better for your production, just by making a slight change or improvement to your process?

In this episode of Rick’s Picks:

  1. 2020 planning tips – increasing your income might be easier than you think!
  2. FHA vs Conventional – A Head To Head comparison
  3. Crescent Community Cash – Are your borrowers missing out on this great opportunity?

It’s worth the 6+ minute time investment. CLICK BELOW TO WATCH NOW.


We’re heading into the Holiday season soon, and that usually means looking out for your “Fellow Man” (Fellow Human might be the better way to phrase the colloquialism today), give to others that don’t have as much, etc.  You know what I’m talking about…

In the business world, however, it’s the opposite. The big are getting bigger, because they’re taking from the smaller. Volume projections for 2020 show the Mortgage Pie is getting smaller, but your piece of the Mortgage Pie is getting smaller, too, and you probably didn’t even know it.

In this Rick’s Picks:

  • Mammoth Partnership was created. Have you heard about this?
  • A Sinister Plot? Big Insurance has a plan to take your mortgage business.
  • A Losing Battle? Not if you do something about it immediately.
  • You NEED to watch this to protect your business relationships and future mortgage origination business…
  • All in just 4 minutes

They say that “necessity is the mother of invention”.  In this case, necessity was demonstrated in Rick’s Picks #7, “The Don’t Zone” episode. In order to really get a grasp on what you’re about to see in Rick’s Picks 8, you’re going to want to have “The Don’t Zone” viewed and filed away in your brain for context. Just click the link, watch it, and then come back here.

Trust me. It will be worth it.

In this episode of Rick’s Picks:

  • Streamline Refinances: Are YOU offering your borrowers this quick, cheap refi?
  • Preventing Your Borrowers from entering “The Don’t Zone” – A possible solution?
  • All in about 4 minutes…fast, funny, educational. You’ll do yourself a favor to watch.


Originators have historically been tasked with “training” their borrowers on what NOT to do before their mortgage closing, in order to make their transaction go smoothly. However, every originator can remember situations where their “training” didn’t quite stick…

This episode of Rick’s Picks is meant to help those originators more effectively and memorably communicate this important information to their borrowers.  Feel free to use this video as a tool for your borrowers to understand what NOT to do and WHY NOT to do it…

In this episode:
1) The Don’t Zone – a modern message in a throwback style – it’s funny, but to the point.
2) What Borrowers SHOULD NOT DO during their mortgage loan process
3) Originators, SHARE THIS with your borrowers
4) Some funny outtakes

All in just 5 minutes!

the Do’s and Don’ts LIST to share with your borrowers


OK, if you’re reading this because the title got you, well, I promise you won’t be disappointed.  If you have worked with Crescent Mortgage at all, then you probably know our infamous SVP/National Closing Manager, Bill Fowler. He’s really good at what he does, but there are at least two things that he’s known for: 1XClose Construction knowledge, and some amazing Barbeque.  If either of these items pique your interest, there TWO videos below, just for you.

In this episode of Rick’s Picks:

  1. Bill Fowler, SVP/National Closing Manager
  2. Instruction on 1xClose Construction/Renovation Fees and Modifications
  3. The Barbeque/Construction Lending Metaphor
  4. BONUS Video: Bill’s Grille — you DO NOT want to miss this one. Especially you Texans…

Here’s VIDEO 1 on Construction/Renovation Modifications. Great info to help you understand the process better.

Here’s the BONUS VIDEO: Bill’s Grille – On second thought…Texans, you may not want to watch this one…

We’re right in the middle of purchase and build season, and VA loans are an amazing option for anyone who is eligible.  However, they’ve implemented some changes in the past 6-8 months that affect new construction and they might surprise you. Are you up to speed?  Test your knowledge with our Industry’s favorite gameshow…

In this episode of Rick’s Picks:

  • True? or Not True? The Gameshow
  • Cindy Arras, AVP Crescent Government Underwriting Manager
  • 4 BIG VA Questions. Do YOU know the answers?
  • Some funny outtakes…(if you like that sort of thing)
  • All in about 5 minutes

VA Tangible Net Benefit Bulletin LINK mentioned in Video

For financial institutions willing to take a hard look at their bottom line, and what is included in it, this episode is for you. And while the title of this Rick’s Picks seems to be self explanatory, beware…It might take you by surprise.

In this Rick’s Picks:

  • Bob Shellenberger, SVP tells TWO STORIES that will make you shake your head in disbelief
  • Rick McKinley, VP reveals TWO STUDIES by the MBA
  • For the right viewer, this Rick’s Picks could have just positioned you to hit paydirt

This episode is about 7 minutes long, but it’s worth every second.

Click the video below to view:

They say there’s nothing new under the sun…

Well, if that’s correct, then we should be able to look at what is happening today and interpret it based on what we’ve seen transpire in the past. Agreed?

In this episode of Rick’s Picks:

  • Some current events affecting our industry
  • A quick look at Inverted Yield Curves
  • Back to The Future with Rates
  • A couple of surprises from some Crescent Brass
  • Not necessarily in that order

This one is fun and informative. You don’t want to miss it.

Click the video below to enjoy and learn

January is already gone…and what do we have to show for it, other than a National frostbite epidemic? How about some cash to give away, bikes built for a good cause, and more tools for our Crescent clients to be successful in 2019? Check it out below.

In this episode of Rick’s Picks:

  1. Annual Sales Meeting Recap
  2. Crescent Community Cash
  3. Proprietary Tools for Crescent Clients
  4. And a LOT more, all in less than 5 minutes!

Click HERE for the information mentioned at the end of the episode

It’s the New Year, and most people are focusing on the noise that’s outside of their sphere of influence. This year, let’s look at things differently.

In this episode of Rick’s Picks:

  • Considering production improvements for 2019
  • Marketing tips from Crescent
  • Tools from Crescent you can use, and they’re FREE
  • All that plus outtakes in just 5 minutes!
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