I hear Originators ask: Why do my rates suck? - in comparison to other Lenders that suck less. To answer this question, We'll simplify...

In the 1983 movie Trading Places, Louis Winthrope (Aykroyd) and Billy Ray Valentine (Murphy) attempt to “get rich quick” while at the...

Best Efforts and TBA-MBS short protect IRLC Historically, TBA-MBS increases gain by 30bp to 60bp depending on market and product When...

Understanding the Blackbox of Margin Preservation When rates go up, the value of the pipeline and warehouse goes down. The reason there...

A CFO knows that mortgage lenders are exposed to interest rate risk. A CFO knows that as rates rise, the gain on sale falls and the...

Although this article was originally released at the end of 2020 to address the tremendous market volatility during 2020, the principles...

Every mortgage lender experiences market risk. The interest rate environment is continuously moving up and down. Each rate movement impact

Market risk is a reality in any mortgage banking operation resulting from fluctuations in interest rates. Fluctuations in interest rates...