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 in 'Holiday Drift' Mode After Auction

Posted To: MBS Commentary

Nothing much has changed since the mid-day commentary because bond markets had already effectively "left the building" after the 11:30am Treasury auction. With just over an hour of trading time remaining, MBS are at their weakest levels of the day, but that doesn't even bring Fannie 3.5s into negative territory. Treasuries and Fannie 3.0s are doing a bit better. More importantly, none of this afternoon price action is meaningful. Trades executed by human beings have been almost non-existent in the PM hours. Now, I'll be the first to remind you that an absence of volume doesn't mean a drop in prices is irrelevant, but here's the deal: either you're going to lock today, or you're not. If you weren't planning on locking today, there's nothing about the...(read more)

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Mortgage Rates Right in Line with 1.5-Year Lows

Posted To: Mortgage Rate Watch

Mortgage rates moved lower again today , solidifying yesterday's tentative break back into the "high 3's" for top tier 30yr fixed rates. In fact, in terms of end-of-day rate sheet data, today's rates are actually the lowest in more than a year and a half. The only instance of lower rates came during the morning of October 15th, before the afternoon saw rapid deterioration. All that having been said, lender pricing is highly stratified during this move because of the holiday. Not all lenders have improved pricing as much as the average lender, and the average lender hasn't improved pricing nearly as much as they would during a normal week. That generally more cautious strategy is an unfortunate reality during holiday weeks, but it does mean that if financial markets are in similar shape come...(read more)

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FHFA Will Allow Some Foreclosed Owners to Repurchase Homes at Market Value

Posted To: MND NewsWire

In what could be a controversial move the Federal Housing Finance Agency (FHFA) has directed the government sponsored enterprises (GSEs) to allow foreclosed homeowners to repurchase their former homes at fair market value . Prior to Tuesday's directive foreclosed homeowners were required to pay Freddie Mac or Fannie Mae the entire amount that had been owed on their mortgage prior to foreclosure. This requirement applied as well to any third party who sought the buy the home for the benefit of the previous borrower/owner. This requirement had meant that the GSEs had to treat such prospective purchasers differently than others who wished to purchase the property and were allowed to do so at the fair market price as determined by the GSEs. "This is a targeted, but important policy change that...(read more)

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Record High Median Prices amid Tepid New Home Sales

Posted To: MND NewsWire

Sales of newly constructed single family homes rose slightly in October compared to September and were also improved from sales a year earlier. The U.S. Census Bureau and the Department of Housing and Urban Development said today that sales in October were at a seasonally adjusted annual rate of 458,000 units, up 0.7 percent from September sales. September new home sales were originally reported at 467,000 units were adjusted down in this report to 455,000. October sales were 1.8 percent above the October 2013 estimate of 450,000 units. On a non-seasonally adjusted basis sales for the month were estimated at 37,000 units. This number was unchanged from September but was 1,000 units above the estimate one year earlier. There were approximately 212,000 newly constructed homes for sale at the...(read more)

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Pending Home Sales Fall in October, but Maintain Annual Gain

Posted To: MND NewsWire

While pending home sales were down slightly compared to September the National Association of Realtors® (NAR) said October was the second month in a row that its Pending Home Sales Index (PHSI) bested the previous year's numbers and called the month's activities "healthy." The PHSI was 104.1 in October, down 1.1 percent from the upwardly revised September level of 105.3. The October number is 2.2 percent higher than the 101.9 posted in October 2013 and has remained above 100, considered an average level of contract activity, for six consecutive months. The PHSI is a forward-looking indicator based on contract signings. The Index model has been found to parallel the level of closed existing-home sales in the following two months. Lawrence Yun, NAR chief economist, said, "In addition to low...(read more)

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