My generation, by and large, doesn’t necessarily need to have a mortgage process we can take from start to finish on an iPhone, although we’re also not enamored with reams of paper and prolonged, data-exchanging phone calls, either.

If it seems like the headlines are being dominated these days by talk of interest rates, layoffs and uncertainty. Consider this my effort to shine some light upon the positives that are also emerging every day in the mortgage and real estate industry.

M&A can be a great growth strategy (or a great way to cash out). But when it’s your vendor that has been acquired, it’s not always a great development for you.

I recently entered into the roiling fray that is home buying in 2022. It’s always a bit of special fun for someone who’s an everyday part of the greater mortgage industry to have the experience from the consumer end—especially someone who grew up in a title and settlement services firm!

We’re going to start adding a new dimension to Deeper Thoughts soon. Until this point, we’ve been mostly about thoughts and observations. The very name “Deeper Thoughts” probably implies that anyway.

Once we’ve gotten over our collective panic attack (which should happen any minute now), the mortgage industry will get down to work finding alternate revenue paths to help make up for the refinancing channel.

If we had our way, most of us would have a magic wand waved and experience another $4 trillion market. But that’s not reality. The biggest issue facing our industry at the moment is the fear of inevitable change.