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 Day Ahead: Rates Continue Hovering on the Edge of a Breakout

Posted To: MBS Commentary

The past 5 days have simply seen rates grind around recent lows. Things have been a bit brighter in Treasuries compared to MBS, but in general, both have traded increasingly narrow ranges near the best levels of the year (again, that's more true for Treasuries, but not entirely untrue for MBS). Yesterday's weakness acted as another bounce that keeps us "grinding around" so to speak. We've discussed this noisy, important zone in terms of 2.47% in 10yr yields, with a break below 2.40 needed for outright confirmation that we're moving through the zone (2.34 would be the warning track before concluding a 2014 Treasury rally knocked it out of the park). Prospects for ongoing strength (and much of the strength seen so far this year) have been closely tied to goings-on in...(read more)

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Mortgage Rates Back up to Unchanged After Stronger Start

Posted To: Mortgage Rate Watch

Mortgage rates were mixed today depending on the lender and the time of day you look. Most recently, the average lender is back to unchanged vs yesterday. Before that, most lenders were in slightly better shape, but market weakness prompted widespread reprices. On an individual basis, some lenders are slightly higher or lower, especially if they didn't reprice with the rest of the market. 4.125% remains the most prevalently-quoted conforming 30yr fixed rate for top tier scenarios. Any changes in quotes from yesterday would only affect the closing costs, and even then, they'd be minimal. In addition to being unchanged this week, rates continue to hold an exceptionally narrow long term range as well. Rates have held between 4.125 and 4.25 for well over 2 months. It continues to be the case that...(read more)

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MBS RECAP: Bond Markets Lose Ground After Strong Start; MBS Underperform

Posted To: MBS Commentary

Although MBS did a good job of pushing back against a recent bout of underperformance over the past 3 sessions, today showed it won't be a straight shot. In other words, MBS had closed the gap to Treasuries somewhat since Friday, but it widened again today . This was ultimately only exceptionally noticeable compared to yesterday. When viewed against the backdrop of the past 5 days, nothing too troubling is going on between Treasuries and MBS, and nothing that can't be explained. Such an explanation would included elevated supply from MBS originators as well as geopolitical risk having a more direct effect on Treasuries. Both sides of the market started out in stronger territory today thanks to bond-market-friendly comments from the Bank of England--essentially the only market mover...(read more)

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Modest Housing Recovery Will Continue -Fannie

Posted To: MND NewsWire

The theme for the economy and the housing market's in 2014 has been set for months; the economy will continue to slowly strengthen; the modest recovery in housing will be sustained . Each monthly or quarterly report or round of economic analysis seems to merely join the chorus. Fannie Mae's most recent entry on Wednesday merely added a new note. Growth is expected to strengthen during the second half, but not enough to save the year. Katie Penote, a member of Fannie Mae's Economic & Strategic Research (ESR) Group, writes that the economy experienced the worst performance in five years in the first quarter and incoming data for the second quarter suggests only a moderate improvement. The first quarter's problems are attributed to a significant downward revision in healthcare spending. During...(read more)

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Foreclosure Inventory Continues to Shrink but Distressed Loans up

Posted To: MND NewsWire

Black Knight Financial Services said today that both delinquencies and foreclosure starts were up slightly in June. The information was part of the company's “first look” preview of data from its Mortgage Monitor report that will be published in early August. The nation's delinquency rate, that is the percentage of mortgages that were 30 or more days past due but not in foreclosure, was 5.70 percent, an increase of 1.55 percent compared to May but 14.59 percent below the rate in June 2013. The percentages reflect an increase of 44,000 delinquent mortgages since May to a total of 2,88 million, 445,000 fewer delinquent mortgages than reported a year earlier. Of those delinquencies, 1.16 million are of 90 or more days duration but not yet in foreclosure, down 14,000 from May and 190...(read more)

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