![]() ![]() And for some reason LO comp continues to be unsettled: dual comp, MLOs as real estate agents, transferring pipeline data when changing jobs, different fee structures within the same state, and so on. Meanwhile, lenders are facing a winter trying to figure out if they are in the “Survive until ‘25” camp or the “Grow more in ‘24” mindset? The credit industry is reeling as lenders grapple with soft versus hard pulls, renegotiating pricing, and bundled deals. There is also cleverness and creativeness in the modular home manufacturing industry, probably far outpacing the ability of state and local government to issue permits. Creative minds as well, and if you’re looking for a Christmas present, here are the “ best inventions of 2023” per Time Magazine. But plenty of marketing people do, or can create it, and even if you’re not in marketing, there are some clever marketing people out there. My cat Myrtle doesn’t have a lot of rizz, and there are those that will argue that no cat has any charisma whatsoever. Mortgage Backed Bonds and Securitization.
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