Heard in the hallways here at the MBA’s annual convention in December. “I wonder if the MBA’s volume estimate of $2.3 trillion for 2025 includes all of the hard money deals that I’m doing? Me and every broker I know is doing them: why make 1 point when I can make 3-4 points?” “I’m exhausted. The time change Sunday can’t come soon enough.” “Every lender out there should be ready to help borrowers regardless of the outcome of the election. Betting on a coin toss is no path to success.” “Rob, I hear a lot about ‘heavy lifts.’ Where I come from, that means ‘pain in the a$$.” “I’ll be happy when Fannie and Freddie stop jacking up their gfees without warning… Don’t they know that hurts our pipelines?” “Have you seen all the vendors advertising AI in their booths?” I have indeed, but it is certainly a hot issue, although whether it is life changing remains to be seen. On today’s Mortgages with Millennials, Credit Karma’s Arun Mohan will be interviewed about AI, technology, and how it may impact the mortgage workforce. (Today’s podcast can be found here, and this week’s is sponsored by Truv. Truv lets applicants verify income, employment, assets, insurance, and switch direct deposits. Unlock the power of open finance, with Truv. Hear an interview with Gulf Coast Bank’s Joe Uzee on the two sides of the national flood insurance debate and his thoughts on how we can lower insurance premiums and promote home affordability.) Lender and Broker Software, Services, and Products