Operations Employee Of The Quarter!

Lance Rawlinson

Lance lives in the small town of Celina, TX with two Dirty Cow Dogs, two Cats, a Macaw, a ton of books & a few guns. Some of Lance's hobbies are reading, cleaning, ironing, and taking in as much baseball as is humanly possible, as well as taking the occasional nap.

Lance's favorite thing about LeaderOne: My colleagues who are always pleasant, supportive and willing to help when things get a bit sideways and doing so with smiles on their faces!

Comments by Lance's Co-Workers:

"Lance is one of the most dedicated employees you could find. He has even been known to drive to work through ice storms if he feels there are customers relying on him."

--Michael Stoddart, COO

"Always there to answer any questions or pick up any slack when needed even though he is on a different team."

"Helpful, positive, educational."

Sales Employee Of The Quarter!

Andrea Barnes

Andrea comes form Grain Vally, MO, with her husband and three children. They enjoy going to the Lake of the Ozarks during the summer, love the outdoors and boating and love getting involved with all of their kids activites and sports!

Andrea's favorite thing about LeaderOne: Watching the company grow and expand and I love that everyone can have an impact on the direction of the company, the sky is the limit!

Comments by Andrea's Co-Workers:

"Andrea started as a processor with L1, became a loan officer, hired an LO, opened her office and added two more employees... now a Tier Two.... she definitely had a plan and followed it through. In addition, I have seen nothing but EXCEPTIONAL customer surveys from her closings. They state her knowledge, professionalism and timely closings as reasons they will continue to come back to LeaderOne! Great job, Andrea!"

- David Brockes, Regional Manager

"Andrea started our branch a year and half ago and has now grown our team to 2 LOs and 2 Processors. She is always spearheading new ideas and implementing new plans to grow our office."

Questions? Call LeaderOne Financial at 800-270-3416.
We are always available to help make sense of the market.

Mortgage News Daily News Feed

MBS RECAP: Bond Markets Weather Month-End Storm With Minimal Losses

Posted To: MBS Commentary

Month/Quarter-end trading dynamics made for a volatile day in the context of the recent range. It wasn't so much that the moves were big, just that they seemingly came out of left field and ran their course quite quickly. There were two distinct examples of such movement. The first came at the 9:30am stock market open with yields and stock prices dropping aggressively until 10am. From there, as if to emphasize the point that economic data just couldn't matter any less , an exceptionally weak Consumer Confidence report marked the end of the rally for bond markets and the end of the sell-off for stocks. The mid-morning to early afternoon hours were completely uneventful with both MBS and treasuries trading narrow ranges. 2:45pm brought the next bout of volatility as a last-minute quarter...(read more)

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CFPB Targets Title Company Over MSAs

Posted To: MND NewsWire

The Consumer Financial Protection Bureau (CFPB) filed a Consent Order on Tuesday against Lighthouse Title, a title insurer based in Holland, Michigan. The order was, the Bureau said, sending "a clear and simple message" that it intends to pursue legal action against financial institutions that pay in any manner for referrals. The administrative proceeding carried a civil money penalty of $200,000. The Bureau said that Lighthouse Title had violated the Section 8(a) of the Real Estate Settlement Procedures Act, (RESPA) and its implementing regulation, Regulation X. The relevant section of RESPA states, "No person shall give and no person shall accept any fee, kickback, or thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or a part of a real...(read more)

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Mortgage Rates Higher to End September

Posted To: Mortgage Rate Watch

Mortgage rates were slightly higher today leaving September s one of only 3 months this year with noticeable upward movement. Things could have been worse had it not been for the steady improvements seen during the second half of the month. Today was an exception to that recent trend, but it's tempered by the fact that yesterday's gains were the best of the month. The only downside is that the most prevalently-quoted conforming 30yr fixed rate for top tier borrowers remains 4.25% whereas it would have likely moved to 4.125% if rate went the other direction today. These movement considerations may be small scale compared to what lies ahead. Several big-ticket events are coming up in the second half of this week and they stand a good chance to increase the level of volatility . That's neither...(read more)

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CFPB Hits Flagstar Bank with First Servicer Rule Enforcement

Posted To: MND NewsWire

The Consumer Financial Protection Bureau (CFPB) came down hard on Michigan-based Flagstar Bank both legally and verbally as it issued the first enforcement action under its new mortgage servicing rules which went into effect in January 2014. The action claims that Flagstar had "failed borrowers" at every step in the foreclosure process by illegally blocking those borrowers' attempts to save their homes. "Because of Flagstar's illegal actions and unacceptable delays, struggling homeowners lost the opportunity to save their homes," said CFPB Director Richard Cordray. "The Bureau has been clear that mortgage servicers must follow our new servicing rules and treat homeowners fairly. Today's action signals a new era of enforcement to protect consumers against the cost of servicer runarounds." Flagstar...(read more)

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MBS MID-DAY: Bond Markets Rebound With Help From Europe, Stocks, and Month-End

Posted To: MBS Commentary

The relevance of month/quarter-end trading considerations isn't limited to the US Treasury market. Month-end for German bond markets (the largest in Europe, and the Eurozone benchmark) saw a strong rally beginning at 6:15am Eastern time. Treasuries gleaned some benefit, but not enough to get them back into positive territory by the open. This resulted in markedly weaker levels for 10yr yields at 8am and a 6/32nds weaker open for Fannie 3.5 MBS. Both held almost perfectly sideways from there with the first relief coming at the 9:30am stock open. This is a major liquidity event for markets (in that more participants come online and more money is able to be traded). Right out of the gate, stocks were in liquidation mode with a quick 10 point sell-off in S&Ps. Bond markets benefited immediately...(read more)

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