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Technology and Evidence? NewTechnology you buy? Or technology you sell? EBV, Evidence Based Valuation© is applied technology. The modern – today – version comprises AI, Data Science, and micro-economic theory. There are two main types of artificial intelligence: Generative AI – Used for new content creation, creative pursuits, and personalized experiences. Analytic AI – Used for data-driven decision-making, […] The post Technology and Evidence? appeared first on George Dell, SRA, MAI, ASA, CRE.
Hedging, Credit, Anti-Fraud Tools; STRATMOR on Borrower… New“Technology is dominated by two types of people: Those who understand what they do not manage, and those who manage what they do not understand.” Even if you’re a 90-year-old LO using a rotary phone, the rest of your company, and your borrowers, use technology and new products and need to stay up on them. FICO Score 10T, adoption, for example, has surpassed 70 mortgage lenders. There’s still time to participate in STRATMOR Group’s first module of its 2026 Technology Insight® Study (TIS), the LOS Perception Survey. The survey explores how lenders view today's loan origination systems and how AI,…
Verification, HELOC, Non-QM Broker Products; RESPA Thoughts;… NewDoes innovation in lending always means building something new? MISMO’s President Brian Vieaux challenges that familiar assumption, instead, he argues that some of the industry's greatest opportunities lie in eliminating outdated processes that add friction without adding value. Read why the future of mortgage may depend as much on what the industry chooses to let go of as on what it chooses to build next. This kind of forward thinking leads directly to strategy, and tomorrow, Rick Scherer, CMB, Chief Strategy Officer at NewFed Mortgage Corp., sponsored by Lenders One, discusses this kind of thinking on Mortgage Matters at 11AM…
DSCR, HELOC, Market Analysis, Pricing Rule Tools;… NewIn 2025, the IMF reported that, across the globe, companies, households, and countries had amassed $251 trillion in debt. Looking toward the end of 2026, J.P. Morgan has warned that interest rates on such borrowings are set to spike, owing largely to dwindling populations and diminishing fiscal discipline. JPMorgan’s Joyce Chang and team unpacked the “six D’s” that will shape the global economy under the current and surrounding Administrations: Deficits, deregulation, de-carbonization, de-population, de-globalization, and de-dollarization. Of these factors, two in particular will put upward pressure on borrowing rates around the world: Deficits and de-population. How might that impact your…
AI, Non-QM Products; Deep Dive on AI;… NewOdds are, anything you buy was transported using diesel fuel, the price of which has shot up after Russia banned exports of it, impacting farmers, trains, trucks… kind of nearly everything. Today is “Pie and Beer” Day in Utah, aka Pioneer Day, and having parades is costly. It was also celebrated last year, and the year before, and the year before. What were we talking about a year ago? We were interested in how FHA and VA wanted early payoffs when loans traded below par. At that point, JPMorgan Chase was very active in MBS issuance, and most banks preferred…
July 27: LO jobs; DSCR, HELOC, market… NewWhat PR firm turned the term “gambling” into “gaming” to make it sound more palatable and PC? There are many who will tell you that the amount of debt, both in the U.S. and around the world, is not a game, it’s a gamble. In 2025, the IMF reported that, across the globe, companies, households, and countries...Read More “July 27: LO jobs; DSCR, HELOC, market analysis, pricing rule tools; FHA, HUD, Ginnie changes; six D’s worth noting” »
What Capitalism RepresentsAll right folks, let’s talk a little bit about the large scale today. We are going to apply this to the appraisal business, of course, but I want to talk to you about the general concept, the idea, and the financial strategy of capitalism. I’m under no illusion that capitalism is perfect. It’s not. There are problems. In fact, the United States is not truly a capitalist country. We do not live the true philosophy and spirit of capitalism with the feds, inflation, printing money, taxation, rules, and regulations. But it still represents one of the most capitalistic frameworks out…Hedging, Credit, Anti-Fraud Tools; STRATMOR on Borrower…“Technology is dominated by two types of people: Those who understand what they do not manage, and those who manage what they do not understand.” Even if you’re a 90-year-old LO using a rotary phone, the rest of your company, and your borrowers, use technology and new products and need to stay up on them. FICO Score 10T, adoption, for example, has surpassed 70 mortgage lenders. There’s still time to participate in STRATMOR Group’s first module of its 2026 Technology Insight® Study (TIS), the LOS Perception Survey. The survey explores how lenders view today's loan origination systems and how AI,…
