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: Bonds Stay Green Ahead of 3-Day Weekend

Posted To: MBS Commentary

Strong overnight pop in Treasuries, ECB headlines cited Record low 30yr bond yield and near-record low in 10yr yield Bonds lost ground after Europe ran out of steam Bonds lost more ground after ISM data, but held on to modest gains All in all, today managed to be fairly interesting, considering its status as a "half-day before a 3-day weekend." The overnight trade was driven by some important headlines out of Europe. These dealt with the recent rumors that the ECB was considering changing its rules for how much sovereign debt it could buy from any given country. Under the current system, bond buying is based on the level of contribution that a country has made into the ECB. In other words, it's proportionate and fair. The rumor was that the ECB would consider buying more bonds...(read more)

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6-Day Winning Streak Leaves Rates Near All-Time Lows

Posted To: Mortgage Rate Watch

Mortgage rates fell moderately today, adding a 6th day to a winning streak that began with last week's Brexit news and bringing rates right to the brink of all-time lows. Mortgage rate movement can be measured in large and small chunks. The large chunks would be the changes in the actual interest rates being quoted and the small chunks would be the changes in the points associated with any given rate. "Points" have a historically negative connotation to some, but they're very objective, simply referring to the upfront costs or credit on a rate quote. For instance, if you were quoted a rate of 3.5% with no origination fee, you might also have the option to get a rate of 3.375% with an origination fee of 0.7% of the loan amount. Moving the other direction, a rate of 3.625% could result in the...(read more)

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FHA Tightens Rules on Loan Sales to Investors

Posted To: MND NewsWire

Investors who purchase distressed loans through the FHA's Distressed Asset Stabilization Program (DASP) are going to have to toe a stricter line when it comes to how those loans are managed. The Department of Housing and Urban Development (HUD) has announced a series of "enhancements" to the program in response to claims by lawmakers and others that buyers have been reluctant to work with homeowners and quick to foreclose. According to a press release from HUD, the changes to the program would have purchasers of severely delinquent mortgages offer qualified borrowers principal reductions and protection from "payment shock." The new rules would also prohibit investors from abandoning low-value properties in neighborhoods hard-hit by foreclosures in order to prevent blight and increase opportunities...(read more)

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Freddie, Fannie, Conventional Conforming Updates; Private MI Changes

Posted To: Pipeline Press

The Fourth of July is Monday...the date of the Declaration of Independence (quibble all you want about late signers); the next commentary will be Tuesday. The U.S. Census Bureau tells us when the U.S. became an independent nation on July 4, 1776 there only 2.5 million people living here; last4th of July there were 321.4 million. And everyone is talking about the UK & Brexit: $114.1 billion was the value of trade with the UK. Back in 1776, they were our enemy; now they are our 8th leading trading partner. A quick correction to a note yesterday in the commentary fortunately pointed out by several readers. BHLB, the buyer of First Choice Bank, is not Berkshire Hathaway. It's Berkshire Hills Bancorp in Western Massachusetts. Fannie Mae and the Mortgage Bankers Association (MBA) released updated...(read more)

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MBS Day Ahead: Independence Day Weekend Begins With All-Time Lows

Posted To: MBS Commentary

10yr yield hit 1.382 overnight All-time low was 1.381 in July 2012 Welcome to the New Normal We had a great discussion in the live chat on MBS Live yesterday about the origins of the phrase "the new normal." Back in 2009, the "new normal" was, at its core, merely a reference to the "differentness" of this recession/recovery cycle. Analysts and investors were grasping at ways to convey that the so-called recovery would be much less fulfilling than recoveries of the past. Incidentally, two of the tenets of the "new normal" at the time were "runaway inflation" and "a bear market for stocks ." If you're at all familiar with what's happened in stocks and inflation since 2009, you know how those bets panned out. One thing the proponents...(read more)

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