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Point of Sale, Appraisal, Outsourcing, Appraisal Products; Mergers and Lender Closures Continue

January 30, 2023 by Brett Tams

Every lender or investor with an “a” in their name seems to be subject to rumors and news in recent months. (More on Flagstar and American Pacific below.) Know anyone named “Bernadette”? The name is actually Latin for, “The act of torching a mortgage.” (Yes, it is cutting edge humor like that which brings you back.) Burning liens isn’t a topic, but paying them off early is, and with mortgage rates off of their highs, early pay offs, or EPOs, were a conversation topic at the conference this week. And with it, loan officer compensation follows. Can a lender pay an originator based on pull through? Yes. Can lenders pay different originators under different payment plans, as long as the originator sticks with one plan? Yes. Can a lender, if they comply with state labor law, ask for compensation back after an EPO or EPD? Yes, and it may depend on the contract signed by both parties at the beginning of employment. As always, consult your in-house counsel or a lawyer well-versed in mortgage banking. While we’re on originators, occasionally I am asked about training for brand-spanking-new loan officers. No, this is not a paid ad, but veteran LO Tanya Blanchard has created Madison Chase Academy, “6 Months to 6 Figures: A Loan Officer’s Guide to a Profitable Business” with a sneak peak on the website. (This week’s podcast is sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, technology, and other services in the mortgage industry and in banking.)

Posted in: Refinance, Renting Tagged: 2, 2021, 2022, 2023, accountant, active, ad, advice, advisor, affordability, affordable, All, American Pacific Mortgage, android, app, apple, Applications, Apps, Arizona, ask, author, Bank, Banking, before, Bill Lowman, Blog, book, Broker, business, buyers, california, CEO, chance, chase, closing, Commentary, company, Compensation, cost, covid, COVID-19, Customer Experience, data, Economy, Employment, entertaining, Entrepreneurs, excellence, expectations, expensive, experience, experts, Fall, fed, Fees, Finance, Financial Wize, FinancialWize, Flagstar Bank, front, Google, government, great, Grow, growth, guide, history, hold, home, home buyers, Home Sales, Homebuyers, homeownership, house, Housing, How To, impact, Income, index, industry, Inflation, inspection, investment, iOS, iPhone, job, jobs, Law, lawyer, leadership, Learn, lenders, liens, list, LLC, loan, Loan officer, loan officers, Local, local markets, LOWER, Make, market, Marketing, markets, MBS, Michigan, mobile, Mobile App, modern, More, Mortgage, Mortgage News, Mortgage Products, mortgage professionals, Mortgage Rates, mortgage technology, Mortgages, new, new home, new home sales, News, offer, Operations, Opinion, Other, Outsourcing, payments, pending home sales, percent, Personal, plan, podcast, products, property, Purchase, rate, Rates, Recession, Reggora, resolution, retail lenders, retail mortgage, Review, right, running, sales, shares, simple, single, skill, smart, Social Media, Software, specialty, Spending, states, story, suite, tax, Technology, the fed, time, title, trust, Twitter, under, unique, united, value, versus, volume, wants, will, work

13 Best Online Survey and Research Sites To Make Money in 2023

January 30, 2023 by Brett Tams

While there are many ways to get ahead in life, few are as beneficial as earning more money. By increasing your income over time, you can boost your cash savings rate, save more money for retirement, and even afford a splurge once in a while. And if having more money makes you feel more secure, […]

The post 13 Best Online Survey and Research Sites To Make Money in 2023 appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2016, 2021, 2023, AAMS, Accredited Asset Management Specialist, Advertising, advisor, All, Amazon, Amount Of Money, ask, at home, author, before, Blog, blue, bonus, book, Books, browsing, build, business, Campaigns, cars, cents, clear, color, Commercial, commission, commute, company, Competition, couple, coupons, Credit, custom, data, Demographics, disclosure, discover, Earn money, earning, earning money, earnings, education, employer, Employment, Entertainment, entry, existing, expenses, Extra Money, Family, faq, Featured, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, fun, games, gender, General, get started, gift, Gift Cards, Giving, good, Google, government, great, green, grocery, guide, Gurus, historical, home, home depot, home goods, household, household income, How To, How to Make Money, Illinois, Income, internet, Invest, investment, job, jump, kids, Learn, Life, list, Live, Main, Make, Make Money, making, Making Money, market, Marketing, money, More, more money, most popular, movies, new, offer, offers, oldest, Operations, Opinion, organization, Other, paypal, Personal, personal finance, personal information, planner, Planning, podcast, points, policies, Popular, present, pretty, products, Purchase, questions, rate, ready, Research, retirement, Retirement Planning, Review, Reviews, reward, rewards, rich, right, save, savings, scams, science, search, searching, SEC, selling, shopping, Side Hustle, Sites, skill, sleep, Spending, Style, survey, survey sites, surveys, swagbucks, television, time, tips, title, tv, update, Video, walmart, wealth, wealth management, Websites, will, work, youtube

RoundPoint Mortgage Review

January 30, 2023 by Brett Tams

Founded in 2007, RoundPoint is among the 25 largest mortgage subservicers in the nation. The bulk of the business conducted by RoundPoint is tied to servicing home loans as opposed to issuing them, yet it also offers mortgages for new purchases as well as refinance loans and home equity loans. RoundPoint’s Charlotte, North Carolina, headquarters has an A+ rating from […]

The post RoundPoint Mortgage Review appeared first on Good Financial Cents®.

Posted in: Home, Loans Tagged: 2, 2021, 429, AAMS, Accredited Asset Management Specialist, active, ad, advice, advisor, Alabama, All, amortization, Arizona, Arkansas, assets, author, before, Benefits, Blog, blue, book, borrowing, Budget, business, Buying, calculator, california, Cash-Out Refinance, cents, CFPB, closing, closing costs, color, Colorado, commission, company, Connecticut, Consumer Financial Protection Bureau, cost, Credit, credit score, credit scores, custom, customer service, data, Debt, debt consolidation, disclosure, down payment, Down payments, Employment, entry, equity, estate, existing, experience, experts, Featured, Federal Housing Finance Agency, FHA, FHA loan, FHA loans, FHFA, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, First-time Homebuyers, Florida, foreclosure, freedom, General, Georgia, good, Google, green, Grow, hawaii, history, home, home equity, Home equity loans, Home Improvements, home loan, home loans, Homebuyers, Homeowner, homeowners, homeownership, Homepage, homes, Housing, housing finance, idaho, Illinois, impact, improvements, Income, indiana, Insurance, interest, interest rates, investment, journey, Jumbo loans, Learn, lenders, Life, list, Live, loan, loan approval, Loans, louisiana, low, LOWER, Main, maine, Make, making, market, Maryland, Massachusetts, Michigan, mississippi, missouri, money, montana, More, Mortgage, mortgage market, mortgage payments, Mortgage Rates, mortgage servicing, Mortgages, Move, Moving, nebraska, Nevada, new, new home, New Jersey, new york, NMLS, north carolina, offer, offers, Operations, Oregon, organization, Originations, Other, payments, percent, Personal, personal finance, plan, planner, Planning, podcast, pool, poor, products, property, property tax, protection, Purchase, rate, Rates, ratings, Real Estate, Refinance, refinancing, Rent, Research, retirement, Retirement Planning, Review, Reviews, right, rural, science, SEC, selling, Servicing, single, South Carolina, south dakota, stable, stage, states, Style, tax, Tennessee, texas, time, unique, updates, USDA, usda loans, Utah, VA, VA loan, VA loans, value, veterans, veterans affairs, virginia, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, youtube

Copa makes Baltimore its 14th US city, adds flights to its ‘Hub of the Americas’

January 29, 2023 by Brett Tams

Traveling from the Baltimore area to Latin America will be easier than ever thanks to a new air service from Copa Airlines. The flag carrier of Panama will add a new route map pin at the Baltimore/Washington International Thurgood Marshall Airport (BWI) on June 28. It’s launching four times weekly service to Panama City aboard …
Posted in: Moving Guide Tagged: 2, 2023, 429, 457, air, bar, beds, Benefits, business, cabin, Cities, city, color, Economy, experience, Financial Wize, FinancialWize, floor, gallery, gold, Hospitality, international, lounge access, markets, Maryland, Miami, miles, More, new, News, offer, offers, Operations, points, san francisco, seating, Sell, shower, single, Sports, Style, Transportation, upgrade, washington, Wi-Fi, will, windows

Digital lender Better.com rolls out “one-day mortgage” program

January 29, 2023 by Brett Tams

Clients will get pre-approval, lock their rate and get a mortgage commitment letter within 24 hours, Better.com says.

Posted in: Mortgage, Refinance Tagged: 2, 2021, 2022, acquisition, All, Aurora, Better.com, buyer, CEO, commission, company, data, Digital mortgage, Downpayment, environment, Fannie Mae, Finance, Financial Wize, FinancialWize, Freddie Mac, interest, interest rate, Layoffs, loan, Make, market, money, More, Mortgage, new, new york, Operations, Origination, pre-approval, Purchase, rate, SEC, second, securities, states, Technology, time, Transaction, united, Vishal Garg, volume, will, Zoom

Financial Beginner? Start With These 4 Steps

January 29, 2023 by Brett Tams

This article is for financial beginners. The first steps on your financial journey are intimidating, confusing, and stressful. We’ll fix that today.

Posted in: Debt, Money Basics, Personal Finance Tagged: 2, 2022, Bank, bank account, beginner, Behavior, Blog, bucket, Budget, Budgeting, build, car, car loans, College, college debt, Credit, credit card, Credit Card Debt, data, Debt, Emergency, Emergency Fund, employer, employer match, financial journey, Financial Wize, FinancialWize, four steps, fun, fund, great, hole, how i invest, interest, interest rate, Invest, journey, Learn, Life, Loans, Make, money, Money Basics, More, Mortgages, offer, Operations, opportunity, Planning, podcast, rate, retirement, retirement account, retirement accounts, safety, second, simple, Spending, story, stress, time, will

$59000 a Year is How Much an Hour? Good Salary of No?

January 29, 2023 by Brett Tams

59k salary is a solid hourly wage when you think about it. At least it was before 2022. When you get your…

Read More… $59000 a Year is How Much an Hour? Good Salary of No?

Posted in: Money Tips Tagged: 2, 2021, 2022, 2023, 401k, agent, All, Amazon, Amount Of Money, art, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, car, Career, Career Change, Children, Choices, Cities, city, Clothing, color, commission, cost, Cost of Living, couple, data, debate, Debt, debt free, Debts, deductions, deposit, disclosure, driving, education, Eliminate Debt, employer, Employment, Entertainment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, first job, Florida, food, freelance, frugal, fun, fund, gig, Giving, goal, goals, gold, good, government, great, groceries, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, life insurance, Lifestyle, list, Live, living expenses, low, LOWER, Main, Make, Make Money, making, market, markets, median household income, Medical, Medicare, money, Money Management, monthly budget, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, points, pretty, priorities, programs, quality, Raising a Family, rate, Research, Review, right, Salary, sales, save, Saving, savings, Savings Account, second, second job, security, selling, Side Hustles, simple, single, smart, Smart Money, social security, society, Spending, Starting Out, state taxes, states, stock, stress, students, Style, target, tax, taxes, teaching, texas, thrift, time, tips, trading, Transportation, united, utilities, virtual, virtual assistant, white, will, work, working, working from home, wrong, Yard

Redefining Real Estate in 2022: How to Embrace a Nation of Renters

January 29, 2023 by Brett Tams

[Editor’s note: originally published on GoPropTech.] Everyone involved in real estate investment has witnessed the explosion in the rental market over the last few years. While real estate investment was a part-time, supplemental source of income for some investors, many have been able to take…

The post Redefining Real Estate in 2022: How to Embrace a Nation of Renters appeared first on GeekEstate Blog.

Posted in: Paying Off Debts Tagged: 2, 2021, 2022, 3D, acquisition, Advertising, agent, All, apartments, app, Appreciate, Bank, basic, belong, Blog, brokerage, build, business, Buy, chance, company, contractors, cost, country, Credit, credit scores, CRM, data, estate, existing, expectations, experience, Family, Featured, Financial Wize, FinancialWize, flipOS, funnel, goal, good, Grow, guest, guests, home, home prices, home technology, homeowners, homes, house, Housing, Housing market, How To, Income, inspection, Insurance, interest, interest rates, investment, investors, job, landlord, landlords, lease, leasing, lessen, Loans, locks, low, Main, maintenance, Make, making, market, markets, Miami, money, More, Mortgage, Moving, Multi-Family, Multifamily, needs, new, new technology, News, nomad, offer, offers, Operations, opportunity, orange county, Other, pandemic, pets, portfolio, priorities, project, property, property management, pros, questions, rate, Rates, Real Estate, real estate agent, real estate investment, real estate investor, real estate technology, referrals, remote workers, renovate, renovation, Rent, rental, rental housing, rental market, rental properties, rental property, Rentals, renter, renters, renting, rently, returns, Revenue, right, safe, sales, san diego, searching, Sell, shares, simple, single, single-family, single-family homes, smart, smart home, Software, space, startups, Strategies, Technology, time, tools, tour, Travel, trend, Vanguard, virtual, wander, Wi-Fi, will, work, workers, working

$49000 a Year is How Much an Hour? Good Salary to Live On?

January 29, 2023 by Brett Tams

49k salary is a solid hourly wage when you think about it. When you get your first job and you are making…

Read More… $49000 a Year is How Much an Hour? Good Salary to Live On?

Posted in: Money Tips Tagged: 2, 2021, 2022, 2023, 401k, agent, All, Amazon, Amount Of Money, art, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, car, Career, Career Change, Children, Choices, Cities, city, Clothing, color, commission, cost, Cost of Living, couple, data, debate, Debt, debt free, Debts, deductions, deposit, disclosure, driving, education, Eliminate Debt, employer, Employment, Entertainment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, first job, Florida, food, freelance, frugal, fun, fund, gig, Giving, goal, goals, gold, good, government, great, groceries, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, life insurance, Lifestyle, list, Live, living expenses, low, LOWER, Main, Make, Make Money, making, market, markets, median household income, Medical, Medicare, money, Money Management, monthly budget, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, points, pretty, priorities, programs, quality, Raising a Family, rate, Research, Review, right, Salary, sales, save, Saving, savings, Savings Account, second, second job, security, selling, Side Hustles, simple, single, smart, Smart Money, social security, society, Spending, Starting Out, state taxes, states, stock, stress, students, Style, target, tax, taxes, teaching, texas, thrift, time, tips, trading, Transportation, united, utilities, virtual, white, will, work, working, working from home, wrong, Yard

How to invest in REITs: Everything you need to know

January 29, 2023 by Brett Tams

Investing in real estate is expensive, but not with REITs. Learn how to invest in REITs with this comprehensive guide.Investing in real estate is expensive, but not with REITs. Learn how to invest in REITs with this comprehensive guide.

The post How to invest in REITs: Everything you need to know appeared first on Money Under 30.

Posted in: Investing, Money Basics Tagged: 1031, 2, 2022, Advertising, advice, agent, All, amortization, apartment, assets, balance, before, bond, Broker, brokerage, build, Buy, Buying, Cash-Out Refinance, Choices, clear, collecting, Commercial, Commercial Real Estate, company, Compensation, cons, Convenience, Credit, data, Deals, Debt, decision, deductions, diversification, diversify, dividend, dividends, Down payments, Earn money, earnings, equity, estate, expenses, expensive, Fall, Family, finances, Financial Wize, FinancialWize, financing, fomo, front, fund, fund managers, funds, get started, goals, good, great, Grow, growth, Growth strategies, guide, HELOC, high net worth, history, hold, home, home equity, homes, hotels, How To, improvement, improvements, Income, interest, interest rate, interest rates, Invest, Investing, investment, Investment Properties, investments, investors, IRA, irs, items, landlord, Learn, lease, Legal, lending, Life, liquidity, Loans, low, LOWER, Main, maintenance, Make, Make Money, making, market, Market Trends, MBS, Millionaire, money, monthly expenses, More, Mortgage, Mortgages, Move, Multi-Family, net income, net worth, offer, Offices, Operations, Other, passive, payments, pension, plan, portfolio, preferred stock, principal, property, property management, property sales, pros, Pros and Cons, protection, Purchase, rate, Rates, Real Estate, Real Estate Investing, real estate investment, real estate investments, Refinance, refinancing, REITs, Rent, rental, rental property, Residential, retirement, retirement accounts, returns, Revenue, right, risk, sales, SEC, second, securities, Sell, selling, shares, single, single-family, single-family homes, smart, stable, stock, stock market, stocks, storage, Strategies, tax, Tax Advantages, taxes, The Stock Market, time, title, traditional, trends, trust, under, unique, value, vehicles, volatility, wealth, will, work
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