• Sample Page

Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

wordle

Hedging, QC, CRM, Insurance, Pre-Qual, Relationship Management Products; Disaster News; Customer Service

January 25, 2023 by Brett Tams

Conference attendance in 2023 may be down, given layoffs and budget cuts, but here’s a handy dandy list of events this year and state organizations. (Click on “Conferences” on the right; for any additions or corrections, contact Ed.) Here at the MBA’s IMB conference, it’s not much fun talking about revenue and margins. So, let’s talk Vitamin C! San Diego County, and California, ranks first with 59 percent of the U.S. citrus production. And when life gives you lemons, you make lemonade. What about when life gives you plenty of barren areas of snow? Thank you to Len T. for this one, reminding us that some people have inordinate amounts of time on their hands. And thank you to Michael Chan yesterday who sent the real estate version of Wordle if you will, where you guess the price of the house. (Watch for those oceanside house prices!) Yes, there are plenty of people out there looking at housing, and the amount for sale. On Friday NAR reported that total housing inventory levels broke under 1 million in December, dropping to 970,00 units. (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. Listen to an interview with Curinos’ John Sayre on the latest statistical trends in the mortgage industry and what to look forward to in 2023.) Lender and Broker Software, Products, and Services ICE Mortgage Technology announces Affordable Lending Analytics Solution. Matching potential homebuyers with affordable lending programs is a challenge. This is often because many loan officers lack the knowledge or tools to easily identify eligible borrowers. ICE Mortgage Technology® recently announced a new Affordable Lending Analytics solution that is designed to help lenders effortlessly identify affordable lending opportunities within their pipeline, match borrowers to funds, and turn more people into homeowners. Matching potential homebuyers with affordable lending programs is a challenge, often because many loan officers lack the knowledge or tools to easily identify eligible borrowers. ICE Mortgage Technology® recently announced a new Affordable Lending Analytics solution that is designed to help lenders effortlessly identify affordable lending opportunities within their pipeline, match borrowers to funds, and turn more people into homeowners. Click here to learn more and receive the latest updates on ICE Mortgage Technology Affordable Lending Analytics.

Posted in: Refinance, Renting Tagged: 1099, 2, 2022, 2023, active, advice, affordable, aid, Alabama, All, Amazon, AmeriHome, android, app, apple, Apps, assets, author, Bank, bank statement, Banking, before, blue, bond, Broker, brokers, Budget, building, business, Calculators, california, Career, CEO, closing, closing cost, Commentary, correspondent, cost, CRM, Customer Experience, customer service, data, decision, energy, engagement, entertaining, estate, existing, experience, Fannie Mae, fed, Federal Reserve, FEMA, Financial Wize, FinancialWize, flooding, FOMC, fun, funds, Georgia, gifts, goal, good, Google, government, guide, home, Home Insurance, home loans, homebuyer, Homebuyers, homeowners, homeowners insurance, house, Housing, Housing inventory, How To, industry, Inflation, inspection, Insurance, interest, interest rate, interview, inventory, inventory levels, investors, iOS, iPhone, journey, language, Layoffs, Learn, lenders, lending, lessons, Life, liquidity, list, loan, loan officers, Loans, low, maine, Make, making, manufacturing, market, Marketing, markets, MBA, MBS, mobile, Mobile App, Monetary policy, More, Mortgage, mortgage calculators, mortgage market, Mortgage News, mortgage technology, Mortgages, Move, NAR, new, News, NMLS, non-QM, offer, offers, Operations, Opinion, Other, plan, podcast, policies, portfolio, pre-approval, president, products, programs, property, Purchase, quality, questions, rate, Rates, Real Estate, Real Life, realtor, Relationships, renovation, Residential, Revenue, Reverse, Review, risk, sales, san diego, save, Saving, securities, seller, selling, Selling Guide, shares, single, snow, Social Media, Software, states, story, suite, target, tax, Technology, television, the fed, tips, title, tools, trading, Treasury, trends, Twitter, under, Underwriting, unique, united, updates, Video, volume, walking, weather, will, winter, wordle, work, working

Cybersecurity, Efficiency, DSCR, Lead Management, Correspondent Products, Freddie/Fannie Changes Continue

January 24, 2023 by Brett Tams

Do you know what “splooting” is? Here’s a hint: 4-legged animals do it. (Hey, I don’t make these things up.) Quite the word. Words are very interesting, and can incite a riot, help someone get through a loss, make up this Commentary, entertain. Every morning I share my Wordle results with a few friends, comparing who was able to find the 5-letter word of the day in the fewest tries. For the most part Wordle is quick, fun, and mildly entertaining, which is the exact opposite of financing a home as any borrower or loan originator will tell you. Originate? “Origin”: source, inception, root means the point at which something begins its course or existence. Origin applies to the things or persons from which something is ultimately derived and often to the causes operating before the thing itself comes into being. “ate” is a suffix meaning “state of quality of” and when added makes an adjective a verb. Originate, tolerate, stimulate, nominate, dislocate, penetrate, intimidate… there are thousands of words with -ate on the end. And as many of us are in, or head to, San Diego for the MBA’s conference, origination volumes, margins, and revenues will certainly be discussed, as will attempting to lessen the friction that each loan goes through during processing and closing. It is important to remember that we’ve helped millions of families by originating their loans and save billions of dollars, and will continue to do so. (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. Today’s has Part One of an interview with Keller Williams Scott Agnew on navigating through uncertain times and what the industry has learned since 2008.)

Posted in: Refinance, Renting Tagged: 2, 2022, 2023, 30-year, acquisition, active, advice, advisor, affordability, All, android, app, apple, Applications, ARM, ask, assessment, author, Bank, Banking, banks, before, black, Black Knight, Blog, Bob Broeksmit, Broker, brokers, Builder Sentiment, business, Buy, CEO, Citi, Clean, closing, Commentary, company, correspondent, country, Credit, cybersecurity, data, down payment, Economy, efficient, energy, engagement, entertaining, environment, existing, Existing home sales, expectations, experience, experts, Family, Fannie Mae, Fannie Mae and Freddie Mac, fed, Federal Reserve, Fees, FHFA, Financial Wize, FinancialWize, financing, Freddie Mac, fun, Google, government, Grow, growth, guide, habits, history, hold, home, Home Sales, homebuyer, homebuying, homeownership, house, Housing, Housing market, How To, ideas, impact, improvement, improvements, Income, index, industry, interest, interest rate, interest rates, interview, Investing, iOS, job, journey, Keller Williams, language, leadership, Learn, learned, legacy, lenders, lending, liens, LLPAs, loan, Loans, Local, low, LOWER, Make, manufacturing, market, Marketing, markets, MBA, MBS, mobile, Mobile App, model, More, Mortgage, mortgage applications, Mortgage Bankers Association, mortgage lending, Mortgage News, mortgage payment, Mortgage Rates, Mortgages, Move, Multifamily, nebraska, new, new year, News, non-QM, offers, office, opportunity, Origination, Originations, Other, Planning, podcast, points, policies, president, principal, productivity, products, programs, property, protect, Purchase, Purchase mortgage applications, quality, rate, Rates, ready, refinancing, Relationships, renovate, renovation, rental, Rentals, Research, resolution, resolutions, restaurant, Revenue, Review, risk, sales, san diego, save, savings, second, second mortgages, securities, Sell, seller, Servicing, settlement, shares, single, single-family, Social Media, Software, Spending, states, story, Strategies, surveys, sustainable, tax, Technology, Terminology, the new year, tips, title, tools, trends, trust, Twitter, unique, update, updates, vacation, Valuations, veterans, volatility, volume, will, wordle, work

118 Things To Do When Bored At Home

January 18, 2023 by Brett Tams

Are you feeling bored? Here is a list of things to do when bored at home. These ideas may help you be productive, make money, save, or have fun.
Posted in: Money Tips Tagged: accountant, affordable, All, Alternatives, Amazon, Apps, art, ask, at home, attic, baby, bar, basement, before, big, Blog, Blogging, Books, Borrow, bucket, bucket list, Budget, business, Cable TV, camping, car, Checklists, Children, Christmas, city, Clean, cleaning, Closet, Clothing, company, cooking, couch, crafts, Credit, Credit Report, crime, declutter, dinner party, dogs, doordash, earning, Emergency, Entertainment, exercise, expenses, experience, Extra Income, Extra Money, Facebook ads, Family, Financial Wize, FinancialWize, flowers, food, freelance, front, fun, furniture, games, garage, garage sale, garden, gift, goal, goals, good, great, groceries, grocery, Grocery Shopping, Grow, health, heating, home, Home Insurance, home selling, homemade ice cream, house, household, How To, How to Make Money, ideas, Income, Insurance, interest, Invest, Investing, items, jobs, kids, kitchen, kitchen cabinets, language, launch, Learn, library, Life, lighting, list, living room, Local, maintenance, Make, make extra money, Make Money, makeup, making, mental health, mindset, money, More, more money, movies, museum, needs, new, office, online business, organization, organize, Other, outdoor, paint, Pantry, party, passive, patterns, Pet, pets, photography, photos, pillow, plan, plants, podcast, Popular, products, projects, Purchase, puzzle, quality, Recipes, Relationships, routine, save, Save Money, Sell, selling, shipt, shopping, Side Hustle, Social Media, spa, Spending, Sports, staycation, survey, survey sites, surveys, tour, Travel, UberEATS, vacation, Video, virtual, walking, wall, Ways to Save, Wedding, will, windows, wordle, work, work from home, working, Yard, yard sale, youtube

Wordle’s Hidden Financial Lesson

January 12, 2023 by Brett Tams

How do you Wordle? Fast and furious, or slow and methodical? Financial planning works the same way…but with thousands of dollars on the line!

Posted in: Financial Planning, Money Basics, Personal Finance Tagged: All, bar, Capital Gains, capital gains taxes, charity, cost, couple, efficient, Finance, Financial Planning, Financial Wize, FinancialWize, games, Giving, goal, goals, good, heirs, interest, Learn, Life, Make, mistake, Mistakes, money, Money Basics, More, Other, Personal, personal finance, plan, Planning, podcast, puzzle, risk, second, sleep, story, Strategies, taxes, wordle, work

Archives

  • January 2023
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • October 2020

Categories

  • Account Management
  • Apartment Communities
  • Apartment Decorating
  • Apartment Hunting
  • Apartment Life
  • Apartment Safety
  • Auto
  • Auto Insurance
  • Auto Loans
  • Bank Accounts
  • Banking
  • Borrowing Money
  • Breaking News
  • Budgeting
  • Building Credit
  • Building Wealth
  • Business
  • Car Insurance
  • Car Loans
  • Careers
  • Cash Back
  • Celebrity Homes
  • Checking Account
  • Cleaning And Maintenance
  • College
  • Commercial Real Estate
  • Credit 101
  • Credit Card Guide
  • Credit Card News
  • Credit Cards
  • Credit Repair
  • Debt
  • DIY
  • Early Career
  • Education
  • Estate Planning
  • Extra Income
  • Family Finance
  • FHA Loans
  • Financial Advisor
  • Financial Clarity
  • Financial Freedom
  • Financial Planning
  • Financing A Home
  • Find An Apartment
  • Finishing Your Degree
  • First Time Home Buyers
  • Fix And Flip
  • Flood Insurance
  • Food Budgets
  • Frugal Living
  • Growing Wealth
  • Health Insurance
  • Home
  • Home Buying
  • Home Buying Tips
  • Home Decor
  • Home Design
  • Home Improvement
  • Home Loans
  • Home Loans Guide
  • Home Ownership
  • Home Repair
  • House Architecture
  • Identity Theft
  • Insurance
  • Investing
  • Investment Properties
  • Liefstyle
  • Life Hacks
  • Life Insurance
  • Loans
  • Luxury Homes
  • Making Money
  • Managing Debts
  • Market News
  • Minimalist LIfestyle
  • Money
  • Money Basics
  • Money Etiquette
  • Money Management
  • Money Tips
  • Mortgage
  • Mortgage News
  • Mortgage Rates
  • Mortgage Refinance
  • Mortgage Tips
  • Moving Guide
  • Paying Off Debts
  • Personal Finance
  • Personal Loans
  • Pets
  • Podcasts
  • Quick Cash
  • Real Estate
  • Real Estate News
  • Refinance
  • Renting
  • Retirement
  • Roommate Tips
  • Saving And Spending
  • Saving Energy
  • Savings Account
  • Side Gigs
  • Small Business
  • Spending Money Wisely
  • Starting A Business
  • Starting A Family
  • Student Finances
  • Student Loans
  • Taxes
  • Travel
  • Uncategorized
  • Unemployment
  • Unique Homes
  • VA Loans
  • Work From Home
hanovermortgages.com
Home | Contact | Site Map

Copyright © 2023 Hanover Mortgages.

Omega WordPress Theme by ThemeHall