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

Mortgage Rates End Bad Month on Good Note

Posted To: Mortgage Rate Watch

Mortgage rates managed to scrape together modest gains for today's month-end session. In terms of the financial markets that dictate mortgage rates, the last day of the month can be a volatile day that shuns the normal cause and effect relationships between data and market movement. Today's example thankfully bucked that trend (perhaps because the rest of the month had already given us plenty of volatility). Trading levels were stable to stronger all day, allowing many lenders to drop rates in the middle of the day. 3.75% remains intact as the most prevalently-quoted conventional 30yr fixed rate for top tier scenarios, though 3.875% is still fairly common. Lenders erred on the side of caution, in general, in that they didn't quite keep pace with the improvements in underlying markets. In other...(read more)

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MBS RECAP: Slow, Steady Gains for Bond Markets

Posted To: MBS Commentary

Very little has changed between now and the mid-day update (read that HERE if you like). To recap, bonds started the day roughly in line with yesterday's latest levels and made gradual improvements throughout the day. That was more true for MBS than for Treasuries though. 10yr yields were locked in more of a sideways range in the morning hours and never really broke it until after the 3pm close. MBS saw more consistent improvement, albeit at a gradual pace. Data was disregarded, with the possible exception of some volatility after Chicago PMI. There were no noticeable reactions to headlines. In general, bonds just marched to their own beat, which is not uncommon on a month-end trading day. It was a good week, though not phenomenal --about the least we could ask for after the previous 3...(read more)

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Lessons for Europe from the US Housing Recovery

Posted To: Community Commentary

In our highly interconnected financial world, what happens in Europe, Greece, and Germany greatly affects our own bond and MBS markets . There has been much discussion back and forth of who is to blame for the Greek crisis , massive debts in other Southern Euro countries and what to do going forward to solve this problem. First of all, I do lay some blame on previous Greek governments for previous massive borrowing, government corruption and also the Greek “elites” who find ways to not pay their taxes. But, I put more blame the large Northern European bankers for this crisis for making these ill-advised loans in the first place without proper due diligence. They (bankers) were pushed for these loans by the very same German and other Northern Euro governments themselves to prop up...(read more)

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Construction Industry Optimism at 20-year High

Posted To: MND NewsWire

While its ultimate focus is the future of the construction equipment business, Wells Fargo's Equipment Finance division has some predictions for residential construction as well. The company's 2015 Construction Industry Forecast , presents results of a survey it has conducted for the last 19 years of industry executives representing large and small contractors as well as equipment distributorships and equipment rental companies. Wells Fargo's survey attempts to track industry optimism using what it calls the Optimism Quotient (OQ). John Crum, National Sales Manager for the Equipment Finance Construction Group said that, after tumbling to an all-time low of 42 in January 2009, the OQ has climbed steadily, reaching new highs in three of the last four years and landing this year at 130, up six...(read more)

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MBS MID-DAY: Uneventful Month-End Session; Little Impact From Data

Posted To: MBS Commentary

The last trading day of the month has managed to be a total let-down to anyone looking for excitement. In terms of doing no further harm , it's been just fine though--at least through mid-day. That wasn't necessarily looking like the case overnight. European data and the resulting bond market weakness carried 10yr yields up to 2.052, but they saw solid support there and ultimately made it back to positive territory as the domestic session got underway. GDP data was a non-event, either because markets weren't interested or because it was right in line with the forecast (2.2 vs 2.1). Chicago PMI data was significantly weaker than expected. While that had a more noticeable effect, bonds nonetheless ran into resistance without gaining too much ground. The magic number for 10yr yields...(read more)

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