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

Proposed TRID Changes and How To Comment

HUD Termite Inspection Criteria  VA Termite Inspection Criteria

Hurricane Matthew Disaster Policy Bulletin Updated 10/13


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

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…



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