“Last year I joined a support group for procrastinators. We haven’t met yet.” Lenders and vendors are certainly meeting here in Austin. What’s going on out there? There’s endurance. Congratulations to my son Robbie as today is his 1,000th podcast, the link to which is posted at the bottom of every opening paragraph. (What have you done, workwise, 1,000 times?) There’s innovation. There’s Praxis Lending Solutions, newly launched, focused on workflow redesign, tech assessment, and customer experience. There’s education. On today’s episode of Mortgages With Millennials, Kristin Messerli and Robbie Chrisman welcome a couple of potential first time home buyers to ask them about their home search as it pertains to working with a lender and the customer experience. There’s customer service. Want to do a client with a high credit card balance (and paying 28 percent on it) a favor? Of course you want to put them into a cash out refi, but if that doesn’t work, for $1 have them join American Consumer Council which gives them access to membership in normally off-limit credit unions. Some, like UFCU in Austin, will accept transferred balances into an account where the rate can be only 9.9 percent. Hmmm… 9.9 versus 28. (Questions can be directed to UFCU’s Michael Jones.) (Today’s podcast can be found here and this week’s is sponsored by Figure. 50 percent of the top IMB’s use them, and if you haven’t examined your HELOC/HELOAN strategy recently, it’s time to get on it. Hear an interview with Polunsky Beitel Green’s Peter Idziak on the various executive orders Trump has issued since he entered office and their potential impacts on the housing industry.)