09
FEB
2015
Multi-generational persons who use digital and social media and online services of any age.

The Digitals

Ladies and gentlemen announcing a new group entering the world of demographics; Generation D, the Digital Generation (New Generation). Maybe, we’ll end up referring to them as the “Digitals”. These include, not just the Millennials, but spans
06
FEB
2015
A Look Into the Future #loanlogics

A Look Into the Future

With interest rates remaining low, property values stabilizing, in many areas increasing, and new mortgage products, many current homeowners are again refinancing their loans. A recent Freddie Mac report reveals that in 2014 a combination of all who refinanced, the saving...
04
FEB
2015
Quality is the Answer

More Emphasis on Quality

It seems to keep coming back to quality. Not to beat a dead horse (as the saying goes. I would never beat any animal; dead or alive) but quality really does matter. If we haven’t learned that we are doomed to repeat our lending failures. Take the recent changes by
03
FEB
2015
Michael Vitali, Chief Compliance Officer at LoanLogics

Quality Never Goes Out of Style

Regardless of changes in the markets, customer demographics, the economy, rules and regulations, one thing seems to stay constant, everyone wants quality. Quality in services, quality in products, quality in relationships and a satisfactory quality of life. Why would it be any...
30
JAN
2015
Marketing to Millennials

Is The Time Finally Right?

Much talk lately has been about when the Millennial generation, those 19 to 35, might jump into the housing market. Optimism grew when interest rates
28
JAN
2015
Marketing to Millennials

Get Online or Miss the Boat

Although a recent CFPB study may have shown that many home buyers do not shop for their mortgage, a recent lender survey reveals a little different story (Loans Online). It seems, contrary to what CFPB says, many people
26
JAN
2015
Marketing to Millennials

Refi’s Are Back; Let the Good Times Roll!

It seems the upcoming cut in the FHA annual mortgage insurance premium may not just help spur some new home buying activity but, may once again stimulate the refinance business (FHA Refis). This is good for lenders (who offer FHA financing), consumers who will
23
JAN
2015
Mike Vitali: Home Prices Rise: Goods News; Bad News

Home Prices Rise: Goods News; Bad News

It’s the old “Good news; Bad news” scenario. The good news is that home prices are on the rise; the bad news is that home prices are on the rise (Home Prices). With home values increasing, many who own a home that was previously underwater see
23
JAN
2015
Michael Vitali, Chief Compliance Officer at LoanLogics

What comes first, the Housing Recovery or the Economic Recovery?

Recently, the Administration has been talking loud about programs which can help more people realize their dream of home ownership. In a recent speech in Arizona, the President announced the cut in the annual FHA premium for 30 year loans of 50 basis points, explaining
16
JAN
2015
Michael Vitali, Chief Compliance Officer at LoanLogics

One Man’s Trash

As the old saying goes, “One man’s trash is another man’s treasure”. Much talk lately has been about all those potential home buyers being shut out of the housing market as the result of