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Although some investors are still holding tight to credit standards, mortgage credit availability loosened last month, according to a recent Mortgage Bankers Association report. The MBA concluded that the Mortgage Credit Availability Index (MCAI) increased 0.5 percent to 122 in April.
Of the index’s four components, Government lending saw the greatest easing and was up 1.1 percent over the month. The Jumbo index increased of 0.8 percent and the Conforming index saw an increase of 0.2 percent. The Conventional index decreased 0.6 percent.
It appears the increase was driven by new offerings of FHA’s 203(k) home improvement program, new VA offerings and new jumbo products. The increase was partially offset by some investors tightening underwriting criteria on conventional cash out offerings.”
Joining me today to discuss alternative mortgage lending is Lee Janc, a Strategy and Business Development Executive for the Financial Service Industry and Eric Morgensen of Angel Oak Home Loans. Angel Oak Home Loans serves both the Retail and the Wholesale markets and specializes in non-conforming products.
When it comes to Correspondent Lending, not much has changed in decades... that is until NOW! Today's guest is JACK NUNNERY, EVP of Texas Capital Bank (TCB). Last week, TCB announced they are launching their "Mortgage Correspondent Aggregation" (MCA) business, which is a new correspondent lending platform. Jack along with Gary Ort have been responsible for TCB's Warehouse Lending operation. They recognized that there was an unusual opportunity to create within the correspondent lending space an innovative and new approach to correspondent lending that would be streamline virtually all the processes involved to the benefit both the seller and the buyer. As a result, Jack started a "greenfield" work effort well over a year and a half ago with the objective of designing and building a state-of-the-art streamlined correspondent lending platform that operates in a way like no other company has operated before. On today's broadcast, Jack is going to talk about four key considerations that went into designing and building TCB's MCA business which are as follows:
Historical challenges to innovation in the mortgage industry
Hurdles to successful transformation
Solutions for success not previously thought possible
The consequences of not transforming our business
You will not want to miss this important broadcast!
in Rock Music
Today Pop Art Painter Jamie Roxx (www.JamieRoxx.us) welcomes the Alternative Rock Band Vermillion Road to the show!
Through their distinct energy in their live performances and heartfelt lyrics, this dynamic group is committed to bringing the very best to the most important part of the band - the fans. It's their desire and mission to connect with people on a visceral, emotional level, and it’s this desire that drives everything Denver based Vermillion Road does. Music is an amazing gift and they feel privileged to be given an opportunity to translate the everyday struggles of life into 3-4 minute snippets of raw energy and empowerment.
Head First Entertainment
Are you tired of being a "stressed mess" i see so many exhausted women who put everything and everyone else first; and it is killing them! How do you want to feel, be and do in the world? Today we let go of the stress and thestruggle and the weight associated with both, (and should i mention the guilt?) simply! we are getting to the ROOT of the problem today and you will be feeling better, looking better and living better by starting within each day! Join me. Today we want to know our Power in the world, heal our hearts, so we can heal the world! Your stressiness is effecting all of us! and we have to make the shift today! And we are able with these simple alternative answers.
Spend a open-minded evening with my talented guest Temptress Sultan who is not only an erotica authoress but also an erotic radio host. She believes in alternative sexual lifestyles such as BDSM, swinging and polyamory. Temptress is also an avid alternative sexual lifestyle participant. Also a sex positive advocate and an advocate of the NCSF(National Coalition of Sexual Freedom) So tune in and call into 347-945-6003 at 7:30pm ST, 6:30pm CST, 5:30pm MST and 4:30pm PST,
It wasn't that long ago that many were saying that WHOLESALE LENDING and the MORTGAGE BROKER were going to go the way of the dinosaur. Today's resurgence of the Wholesale Channel and those that participate in the channel are doing very well. It is one of the great "come back" stories of our industry.
To talk about this, we have as our special guest, GREG MURRAY, CEO of Wholesale One™. On today's broadcast, we will be discussing the following and much more:
How will the revitalization of the wholesale market benefit the industry overall?
What will be some of the keys in your mind for brokers to succeed in the today’s market?
Is a more purchase focused market a good thing for brokers?
What is the key - or perhaps couple of keys – to succeeding in wholesale as a lender?
Some brokers have begun operating as non-delegated correspondents. Is this a good thing?
I encourage you to tune into this important broadcast and tell others to do so as well. Encourage you to email me in advance of this broadcast any questions that you would like me to ask our guest. Our guest, Greg Murray, is very experienced and knowledgeable about the trends related to the Wholesale market and the potential it has.
No one wants to be in pain, be disabled or ultimately die. Today Technology is changing things so rapidly that there is now a credible discussion about the idea of curing death.
Juana Mendenhall talks about alternative solutions for Joint/Knee Arthritis. Juana is an example of minoirities in medicine leading innovation.
Yet again the media has failed us. Am I tired of talking about this ad nauseam? No! It is the only way to make people aware. It is the only way to break people's full trust in a corporate media that while good at times is designed to control and be the ward of the plutocracy for which it works.
No longer is the media performing its constitutional intent. The Daraprim extortion is an extortion that is widespread yet not covered widely for people to see and react.
An alternative media? Yes we must have one. Yes everyday Americans must support it for their own sake, for their own economics well-being, for the preservation for a country run by and for we the people.
What are your thoughts? Let’s talk. I will also be following our hashtag #PoliticsDoneRight on Twitter @EgbertoWillies. Give me a call, listen to the live stream, or listen to the podcast/vlogcast. We are also broadcasting live on Periscope at handle EgbertoWillies. Saturday on Politics Done Right on Coffee Party USA Radio Saturday 1:00 PM Eastern/10:00 AM Pacific
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Blog post here.
Tired of Michael Cole, JBL, and the rest of the WWE in-house commentary crew? The Squared Circle Report is offering an alternative commentary for live events! Think of it as MST3K meets pro wrestling. You can listen to the commentary describe the action as it happens while watching the action unfold on the WWE Network, PPV, etc. Archives will be posted on YouTube and other sites for use towards replays.
in Real Estate
Ryan Garland, Paradyme Lending on The Real Estate Investor Hour with Pete Asmus
As host of The REI Hour, Pete has interviewed politicians, community leaders, Miss California, celebrities and real estate investors who should be celebrities (they are in their eyes!) just to name a few. Because of Pete's personality and desire to make it entertaining his natural inclination is to position you as a rock star. He realized early on the better his guests feel the better they would do, so he started focusing on really what made them. Pete understood there are a ton of people doing what ever profession his guest was doing, but everyone has something that makes them Different.
"Our goal was to create a show that was real, meaning the opportunities were real, the investors were real and the strategies were real. Everyone we bring on we interview prior and make sure they are a good fit." -Pete Asmus
When you're on the Real Estate Hour with Pete Asmus, he pumps you up so much you get off the radio in a full sprint. It's like drinking 15 cups of of the strongest espresso you can find and adding purpose into it.
Listen to The REAL ESTATE Investing Hour with Pete Asmus every Wednesday from 10-11am Pacific