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 Back to Defense Ahead of NFP

Posted To: MBS Commentary

The last two days were nice while they lasted , but today's trading levels are right back in line with most of last week. In other words, bonds sold off today. The weakness hit markets like a ton of bricks right at 5am. Draw your own conclusions, but this is when Europe's CPI reading came out in line with expectations. The last 3 readings of EU CPI have also been in line with forecasts or better, and each day has seen a significant sell-off. The implication is that markets are doing some mental math on the necessity for ongoing QE and tacitly determining that stable inflation in the Eurozone means that QE could be ended early. It's actually quite remarkable how well 2015's bounce coincides with improvements in CPI. All of the above was good enough for 10yr yields to sell-off...(read more)

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Mortgage Rates Rise Ahead of Big Jobs Report

Posted To: Mortgage Rate Watch

Mortgage rates gave up recently-enjoyed gains today. This brings them to the week's highest levels (and the 3rd highest in 2015) a day before the all-important Employment Situation Report. Also referred to as "the jobs report" or simply "nonfarm payrolls," this is the most important piece of economic data released each month in terms of potential to move interest rates. If job growth is stronger than expected, rates usually rise. The farther away the actual number is from forecasts, the more markets usually move. Tomorrow is no exception despite several other important considerations ahead. One consideration that's hard to miss these days is Greece. The country goes to a referendum this weekend in order to vote on 'something.' No one is abundantly clear on what that 'something' is, but the...(read more)

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Construction Spending maintains new $1 trillion Plus Pace

Posted To: MND NewsWire

Construction spending in the public and private sectors increased slightly in May to a seasonally adjusted annual rate of $1,035.8 billion . The figure was up 0.8 percent from the April number which was, however substantially revised from $1,006.1 billion to $1,027.0 billion. The Census Bureau estimate of May spending, which includes construction put in place in residential and 16 other categories such as lodging, education, and health care, was 8.2 percent higher than expenditures of $957.6 billion in May 2014. During the first five months of 2015 spending has totaled $382.1 billion, a 5.9 percent increase over the year-to-date figure a year earlier. Total residential spending - the bulk of which is in the private sector - was at a seasonally adjusted annual rate of $366.1 billion in May,...(read more)

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Several Significant Income-Related Underwriting Changes from Fannie

Posted To: MND NewsWire

Highlights from the most recent update to Fannie's Selling Guide: Conversion of Principal Residence Requirements At the height of the financial crisis Fannie Mae required lenders to make a manual application to convert a principal residence to a secondary or vacation property in order to ensure that borrowers had adequate capacity and financial reserves to manage multiple properties. Effective immediately Fannie Mae is eliminating requirements specifically associated with such a conversions because of other policies now in place that adequately address credit history, rental income and financial reserves and lenders may use these in the future. Stocks, Bonds, and Mutual Funds When a borrower is using vested stocks, bonds, and mutual funds (including retirement accounts) for down payment, closing...(read more)

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MBS MID-DAY: Bond Markets Much Weaker Overnight; Greece Exporting Red Herring

Posted To: MBS Commentary

Greece's chief export these days is red herring . More of them hit the market overnight as Tsipras allegedly sent a letter saying he agreed to almost all of the conditions from EU creditors. There was some speculation that this could lead to the referendum being canceled and a deal being worked out. Naturally, German Bund yields spiked on the news. US Treasuries followed halfheartedly. Later in the morning, the same person (Tsipras, Greece's Prime Minister) virtually lambasted all aspects of all deal-making with the EU, saying that Greece is willing to negotiate but that Europe is blackmailing every single Greek citizen. It was truly a pathetic display of double-talk, and something that has now resulted in the highest-ranking Eurozone officials running out of patience . Shortly thereafter,...(read more)

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