It’s the start of a New Year in the Mortgage Industry.  A lot of things are going to change; some things won’t…

What should we expect? What should we do differently?

In this first episode of Rick’s Picks for 2018, Fowler Williams addresses some questions that many of us have been wondering about:

  • Rates
  • Housing Bubbles
  • FHA
  • the CFPB
  • and a LOT more, in just over 6 minutes

This is the one you want to watch to get your year started right!

HERE is the registration link referred to in the video

It’s the end of the year, and we’ve covered a lot of ground at Rick’s Picks. Sounds like a great time for a Pop! Quiz…except in this case, it’s NOT YOU that we’re going to test.

We’re going to burst in on our AVP of Government Underwriting, Cindy Arras, to test her knowledge. So, no pressure on you, but you’re going to learn a LOT of reasons why you should be offering Government loan products at your institution, and you might laugh along the way, during this fast paced visually stimulating Quiz show.

In this episode of Rick’s Picks:

  • FHA
  • VA
  • USDA
  • Unicorns? (Yeah, there are a few)
  • “Ambush” journalism (we surprise some folks…)
  • A sideways tribute to an iconic film from the past
  • And a blooper or two…

All wrapped up together in just over 5 minutes!  You’ll want to watch this one…

2017 has been quite a year for the mortgage industry…for example, who thought rates would still be this low?  Amazing.

Here at Crescent Mortgage, we’ve had a lot of amazing things rolled out for our TPO clients, even in just the last few months.  However, if you weren’t paying attention, you might have missed it.

Well, the Rick’s Picks crew anticipated that, and we have you covered. Watch this one and get yourself caught up quickly…In this Rick’s Picks episode:

  • FHA
  • Construction
  • and a LOT more, in UNDER 5 minutes!

You don’t want to miss THIS one.  Click the video below to get up to speed!

Most lenders I know would rather avoid a surprise if they could help it. They’d like to be able to warn everyone in advance of a potential issue so that it could be prevented, or at least make sure everyone’s aware of the potential issues before they occur.  If you resonate with this thought process, then today’s Rick’s Picks video is specifically for you.

In today’s Rick’s Picks:

  • Crescent’s VP of Closing, Bill Fowler
  • FHA Purchases and the devastating surprise you need to avoid
  • Something about Herschel Walker?…you’ll need to watch to find out…
  • VA Sponsorship reminder
  • Get your notepad ready – this is a good one!

Here are the items mentioned in the video:
Principal Reduction Chart

Another Example

There are times when the standard rules of commercial lending and the rules of secondary market “Agency” lending intersect. When they do, it’s a good idea to know who allows what and why, or you might be taken by surprise. And by surprise, I don’t mean “Happy Birthday!”….

In this episode of Rick’s Picks:

  • Prevent a surprise denial (are you calculating your self employed income correctly?)
  • the FHA 203h program – The “h” stands for hurricane. (You can offer it to your clients through Crescent Mortgage!)
  • A LOT of fast-paced technical but crucial information made simple, in LESS than
    4.5 minutes

Click the video below and grow your knowledge base and your client base.

HERE IS THE LINK referred to in the video

Sometimes you don’t know what you don’t know, and sometimes you think you have what you don’t…and sometimes you know you don’t have it. In any case, you still need it.That’s why you need to watch this newest episode of Rick’s Picks. In this episode:

  • Crescent’s new AIM product is introduced (by Fowler Williams, President/CEO)
  • The Rick’s Six band missed the memo – mayhem ensues…
  • Not necessarily in that order
  • Fun, Fast and Valuable information all in about 6 minutes.

OK, I’m willing to admit it: I really enjoy watching the remodeling/home improvement shows on cable/satellite tv when I’m traveling. The before and after images are really amazing and inspiring. I don’t know an engaged viewer that doesn’t get creative ideas from all of these programs, which got me to thinking…Crescent has a loan program for this…

In this episode of Rick’s Picks:

  • The Fixer Upper Effect
  • A Real Life Job Site
  • Why This Is So Important For YOU and YOUR Institution
  • A LOT of fast moving, applicable information for you in less than 6 minutes

Just click the video to be enlightened!


We all need to sharpen our saw once in a while…and Crescent is there to help you with that. But we also know that our originator partners are frequently hiring new folks as well, and they need to get up to speed on processes, products, compliance, and more. Crescent is here to help you with that as well. And we do it for FREE.

In today’s Rick’s Picks:

    • Our National Training Manager and VP, Charity Smith, direct from a convention
    • A focus on our Training Calendar and available classes (WOW)
    • Updates on the Itemized Fee Worksheet (Did you know about this?)
    • Some pretty funny outtakes (proof that Rick is not a Robot!)
    • All in less than 4 1/2 minutes!

How much do you think you know about the minutia of mortgage underwriting? Are you taking advantage of every nook and cranny of the guidelines to help your borrowers get the best possible financing option available to them? Or, might there be some nuances of the Agency guidelines that you haven’t been made aware of?

In this episode of Rick’s Picks:

  • 4 Important Agency Guidelines you need to know (Do you?)
  • True? or Not True? game show format – Play Along! (What will your score be?)
  • Verified by our own AVP of Underwriting, Cindy Arras
  • Some fun outtakes
  • LOTS of content in a fast, fun format…just over 5 minutes!



The purchase season is definitely here, and that usually means “relearning” how (and why) to utilize some of the products we may not have looked at in a while…

In today’s Rick’s Picks:

  • A new version of the Rick’s Picks Top 5, Late Show Style
  • Some pretty revelatory information on FHA (You will be surprised!)
  • Conventional Low Down Payment comparisons
  • All that and more in less than 5 minutes!

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