“It’s half the price of living at home!” Meet the people swapping dry land for a perpetual cruise. Meanwhile, back in the real world, residential loan originators are spending their days helping existing borrowers with their 3 percent 30-year fixed rate loans know when a cash-out refi makes financial sense. A lot was happening four years ago, and an unprecedented number of U.S. workers quit their jobs during the first full two years of the COVID-19 pandemic, in 2020 and 2021, a phenomenon dubbed the “Great Resignation.” What followed was what’s come to be known as the Great Reshuffling: Some workers exited the labor market entirely; others quit and eventually rejoined the labor force and others changed employers with little or no break in employment. U.S. Census Bureau statistics show to what extent U.S. workers changed jobs across industries during and after the pandemic emergency was declared over in 2023. Today’s podcast is found here, and this week’s are sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, cybersecurity, technology, and other services to the mortgage industry. Hear an interview with Verisk’s Kingsley Greenland on catastrophe and climate risk modeling, something that every lender and servicer should be aware of as it impacts the pricing of loans and servicing across the nation. Software, Products, and Services for Lenders and Brokers “LoanStream has Summer Specials to help you Close More! Includes Specials on Prime, Non-QM and Closed End Seconds now through June 30th, 2024. Includes 25 BPS Price Improvement on FHA/VA loans 620+ FICO (excludes DPA and CalHFA) and a 25 BPS Price Improvement on all Non-QM loans (excluding our ‘Select’ credit grade). We’re not done… Get another 25 BPS Price Improvement on Closed-End Seconds. Restrictions apply – contact your LoanStream Account Executive to learn more. Specials are valid for loans locked 6/1/2024 through 6/30/2024. Offers subject to change at any time, terms and conditions apply. Visit www.LoanStreamWholesale.com for more information and our June specials page.”