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

It’s time once again for the ONLY Quiz Show designed just for the banking and finance industry…”True? or Not True?”

Do you know enough to know what you don’t know?
Quiz yourself in this fast paced show with questions on:

  • VA
  • Fannie Mae
  • and MORE, including some funny interactions with the Rick’s Six Band!

Yes, this one is out of the box and fun, but it’s loaded with very good content that you will find useful.  Click the video to watch, learn and laugh.


In this episode of Rick’s Picks:

  • Featuring Fowler Williams, President of Crescent Mortgage
  • Definition of the Black Hole, Its Implications and How To Avoid It…
  • and more, in just over 5:30…

This is 5 minutes that could save your institution a lot of money.

What happens in New Orleans…doesn’t necessarily stay in New Orleans…

Crescent Mortgage participated at the ICBA convention in New Orleans, LA last week. We had the opportunity to spend some quality time with Bankers and Vendors alike, and there were some interesting revelations while we were there.

They may have thought these would be kept secret, but hey, this isn’t Las Vegas. The Rick’s Picks team was there and the cameras were rolling.

In this episode of Rick’s Picks:

  • Bob Shellenberger, SVP and National Sales Manager of Crescent Mortgage addresses compliance and recourse concerns that financial institutions face today
  • Shy Tittlebaum, VP in the LA, AK, MS region tells of some of her clients’ drastic methods to increase efficiency
  • Charity Smith, VP and National Trainer
  • Hilarious outtakes
  • Separate BONUS ICBA “Word Association” game Video – you WILL laugh and learn.

Video 1 – Rick’s Picks #4

Video # 2 – ICBA Word Association BONUS video!

It’s that time of the year when MANY potential buyers/borrowers are out looking at houses, and originators are missing out on some pretty powerful tools to help their borrowers…

In this episode of Rick’s Picks:

  • Guest Cindy Arras, AVP of Government Underwriting
  • 8 FHA facts that you need to know, based on the newest 4000.1 guidelines
  • Some BIG reasons you should be using FHA
  • All in a new GAMESHOW format. You really need to see this one.
    It’s fast, fun and very informative!
  • A few small outtakes…



Just because there’s still snow and ice in the northern 1/2 of the US doesn’t mean there aren’t potential customers out there looking to buy and/or build a new home…

If you want to be prepared to make those people your clients, you should watch this video!

In this episode of Rick’s Picks:

  • New Construction, New Construction, New Construction
  • Or to put it another way, an Overview of Construction Financing
  • Crescent’s options with all construction financing types
  • A detailed look at the 1x Close Construction-Permanent loan
  • And more, in less than 5 minutes

Just click the video below to be enlightened.

PS. Here’s a registration link for our March 3, 2015 1xCP training webinar hosted by Charity Smith

In case you haven’t seen this first Rick’s Picks of 2016 yet, here’s another chance… 🙂

It’s the New Year, and it’s a good time to hear from the Leadership of your favorite Secondary Market Investor on where we are, how we got here, and where we’re going.

In this episode of Rick’s Picks:

  • President of Crescent, Fowler Williams
  • A behind the scenes look at TRID from an insider’s perspective
  • A different type of analogy for TRID, from Rick’s personal perspective
  • And MORE. You’re going to want to see this one.
  • It’s exactly 6 minutes in length, but the info shared is certainly worth your time…

Just click the video to watch. Happy New Year!

It’s the last Rick’s Picks of 2015. Bill Fowler, VP of Closing for Crescent Mortgage, is featured, with a visit from a special guest of Bill’s, but you’ll have to watch to the end to see who it is…

In this episode of Rick’s Picks:

  • Bill Fowler’s TOP 3
  • Extremely practical techniques to fund your loans more quickly
  • More Bill-isms than you can shake a stick at
  • and more, in about 5 minutes!


Here are the links mentioned in the video:

Stacking order
Mortgagee Clause Change
Tax Info Sheet Demo
TOP 8 Pended Items list

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