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 Actually Moved Higher Today

Posted To: Mortgage Rate Watch

Mortgage rates did as expected and departed their recently more stable range today. Unfortunately, we got the less enjoyable of the two potential departures with rates moving higher at a moderate pace. At the same time, the world's most widely-followed weekly check on rates from Freddie Mac indicated a move in the other direction! The discrepancy is a result of Freddie's survey methodology. It's not that the data is inaccurate --simply stale . Here's what it means when Freddie says rates were lower this week: Human survey respondents chiming in at some point between Sunday and Monday this week reported lower rate quotes to Freddie than they did at some point between Sunday and Wednesday last week. Given that Freddie tells us they receive more responses earlier on in their survey periods AND...(read more)

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MBS RECAP: Bond Markets Weaker; Europe a Bigger Motivator Than Stocks

Posted To: MBS Commentary

Today was decidedly negative for bond markets. 10yr yields found no solace in "the gap" from 2.26 to 2.28 and instead moved right through to 2.30. There are other potentially supportive ceilings overhead, but we would have liked to have seen stronger support at the gap in order to maintain a more bullish stance. In simpler terms, it's OK that rates have been moving higher. It's a normal aftershock following big moves like that seen last Wednesday. It would have been even more OK if they'd stopped moving higher yesterday. The fact that they did not suggests a defensive approach heading into next week's FOMC Announcement and Treasury auction cycle. On a positive note, we did get some good information about current trading motivations. US bond markets opted to follow...(read more)

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Remodeling Market Stability a Positive Sign for Housing

Posted To: MND NewsWire

Builders who engage in home remodeling continue to display confidence in their market the National Association of Home Builders (NAHB) said today. NAHB's Remodeling Market Index (RMI) rose from 56 in the second quarter of 2014 to 57 in the third quarter. NAHB described the current index reading as a "high water mark" and said it was the sixth consecutive quarter that the reading has been above the benchmark of 50. This indicates that more remodelers report a higher level of activity compared to the previous quarter than those who see activity as down. The RMI averages responses about current activity with those about future expectations for work. Both current and future responses are based on calls for bids, amount of work committed for the next three months, backlog of jobs, and appointments...(read more)

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Negative Equity Falling, but Still Exceeds $1 trillion

Posted To: MND NewsWire

The percentage of American homeowners a mortgage that was seriously underwater fell to 15 percent in the third quarter of 2014 RealtyTrac said on Thursday. There were 8.1 million properties with mortgages that met the company's definition of seriously underwater - where the combined loan amount of the homes mortgage(s) is at least 25 percent higher than the properties market value. The combined market value of negative equity in these properties is an estimated $1.4 trillion. In the second quarter of 2014 there were an estimated 9.1 million residential properties in a negative equity situation or 17 percent of all mortgaged homes . The new third quarter figures were the lowest since RealtyTrac began following the issue in the first quarter of 2012. Negative equity, which is a leading indicator...(read more)

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MBS MID-DAY: The Trend is Not Our Friend

Posted To: MBS Commentary

Treasury yields moved steadily into the important gap between 2.26 and 2.28 this morning and had been holding their ground just under 2.28 for nearly an hour until breaking higher just after 11:45am. The technical follow-through has been moderately bad , but disappointingly steady. 2.296 had been a potential turning point, but a weaker-than-expected 30yr TIPS auction just provided an additional measure of weakness, bringing yields up to 2.30. MBS continue to hold up better than Treasuries during the selling trend, but that's little consolation when prices are down between 3/8ths and 1/2th a point. Also unfortunate this morning is that we've seen a reversal in the recent trend of Treasuries holding firmer in the face of rising stock prices. Today it's Treasury yields that are outpacing...(read more)

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