We find ourselves in the 4th quarter of 2024. October is here! Do you want to beat the rush for buying the Halloween candy that’s most popular in your state? Here’s the list. Skittles are the most popular in Georgia, where Jimmy Carter celebrates his 100th birthday. Topics here at the ACUMA event in Las Vegas include servicing values, longevity, and prepayments. No one knows how long anyone will live, or even, for sure, when a loan will pay off. If you had a crystal ball, which no one does, and an investor knew that mortgage rates were going to go down, why would that investor pay 103 for a loan? Would you pay up for a VA loan, given the refinance characteristics of that program? There is certainly a lot of information exchanged at conferences, and Senior Partner Garth Graham and STRATMOR Senior Advisors Sue Woodard and Brett McCracken share insights today at 11AM PT, 2PM ET, from the recent events attended, discuss upcoming conferences, and give tips on achieving the most value from upcoming conferences. (Today’s podcast is found here and this week’s is sponsored by Candor. Candor’s authentic Expert System AI has powered more than 2 million flawless, hands off underwrites. Every credit risk decision Candor makes is backed by a Warranty, eliminating repurchase worries. Hear an interview with Fannie Mae’s outgoing and incoming chief economists, Doug Duncan and Mark Palim, on their role at Fannie, what drove them into the profession, trials and tribulations of forecasting, and more.)