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 Dirty Secret About the Past Three Days

Posted To: MBS Commentary

Bond markets have a secret. Or rather, we have to pretend like it's a secret in order to turn something very boring into something remotely interesting. But this way, at least if your friends and colleagues attempt to draw any overly-firm connections between market events and trading reactions, you can fire back with this: Bond markets have simply been bouncing back from Friday's strong rally . When you see the 5-day chart of MBS and Treasuries, it's fairly shocking. How silly could we have been to infer any significance in the day to day events when they're now so obviously minor course corrections against this bigger picture? Even the two times that rates gapped away from the central trend have seen a sober and definite return--almost as if they were compelled to get back...(read more)

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Mortgage Rates Move Higher After Fed Minutes

Posted To: Mortgage Rate Watch

Mortgage rates were higher for a third straight day as financial markets continue a measured correction from last Friday's volatility. At that time, headlines concerning Ukraine destroying a Russian armored convoy caused rates to move to their lowest levels in more than 2 months. Since then, it's been a steady march back in the other direction. Of the week's limited scheduled events, most haven't had any objection to a moderate move higher in rates. Today's release of the Minutes from the most recent Fed Meeting was no exception . In general, most analysts felt the details from the Fed meeting were slightly more upbeat than suggested by the Fed's official policy announcement on July 30th. A more optimistic Fed is bad for rates as it implies an earlier potential rate hike and removal of other...(read more)

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Housing Market Improvements Changing The Approach for Investors

Posted To: MND NewsWire

Realtors responding to a recent survey by the California Association of Realtors® (C.A.R.) reported that investors and investor sales are a shrinking part of their business. Investor transactions made up an average of 32 percent of sales Realtors reported in the survey, conducted in May of this year, down from 39 percent in the 2013 survey. Most respondents reported that they have one to three clients who are investors. Only 20 percent said they were doing business with six or more. The average number of investor clients dropped from 7 in the 2013 survey to 5.2 this year. More than half of respondents reported they had three or fewer investor sales over the previous 12 months. While Realtors reported that the percentage of sellers they represented in investor transactions grew by 7 percentage...(read more)

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MBS MID-DAY: Back Into Positive Territory After Opening Weaker

Posted To: MBS Commentary

MBS are outperforming Treasuries today and have been flirting with positive territory heading into the noon hour. Treasuries are still about 1bp higher than yesterday. Bond markets were weaker overnight, led primarily by London this time as the Bank of England's meeting minutes showed 2 votes for a rate hike . Other economic data in Europe and Asia was generally not bond-market-friendly. The domestic session saw MBS and Treasuries start in weaker territory. That said, they both did a good job of holding ground during the first few hours and kept the losses contained in a narrow range. From there, MBS have simply done a better job of bouncing back . This is partly a factor of natural spread dynamics (i.e. Treasuries have benefited more from rallies and been hurt more by sell-offs recently...(read more)

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CFPB Issues Servicing Rules, Annual CARD, HOEPA, and QM Adjustments; Upcoming Events

Posted To: Pipeline Press

The CFPB released a bulletin outlining expectations for mortgage servicers that transfer loans; bulletin includes information on how mortgage servicers should pay attention to new rules protecting consumers applying for loss mitigation help or trial modifications. The updated bulletin, which can be accessed here , replaces the CFPB's February 2013 guidance. The CFPB explains that its "concern in this area remains heightened due to the continuing high volume of servicing transfers." Most view this updated bulletin as a more detailed supervisory tool rather than a departure from the CFPB's previous stance (in place since January) on mortgage servicing transfers. For example, the original bulletin included seven general information requests for certain servicers planning transfers and this bulletin...(read more)

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