The Hedger's Edge

Expert Insights and Sage Wisdom from PowerSeller Solutions

Shave Pair-off Costs with Sharper Fallout Analytics

PowerSeller Solutions LLC, Greg Crosby

Shave Pair-off Costs with Sharper Fallout Analytics

Unleash the power of precision with our cutting-edge computer research tool, designed to optimize and apply the most effective grid assumptions for your hedging strategy. FHA/VA and conventional produ...

fallout trends tmspotlight

Nov 27, 2024

Is Best Efforts Best for Your Bottom Line?

PowerSeller Solutions LLC, Greg Crosby

Is Best Efforts Best for Your Bottom Line?

When is selling best efforts the smarter move for your business? Limited Servicing Options: If you can’t service loans and no mandatory servicing-released market is available. Illiquid Markets: When m...

best efforts fallout trends tmspotlight

Nov 26, 2024

Don't just react to volatility—master it with tools and insights.

PowerSeller Solutions LLC, Greg Crosby

Don't just react to volatility—master it with tools and insights.

Imagine this: the market shifts, and suddenly, the value of your risk position doesn’t align with market movements. Frustrating, right? How long does it take to uncover the cause? Was it faulty data, ...

tmspotlight volatility

Nov 25, 2024

Let's Compare Notes. MLO ScoreCards.

PowerSeller Solutions LLC, Greg Crosby

Let's Compare Notes. MLO ScoreCards.

When a company seeks the ideal mortgage loan originator (MLO), it's likely the MLO is searching for their perfect fit too—an exceptional rate sheet, a reliable lock desk, and a top-tier secondary mark...

mortgage tmspotlight

Nov 22, 2024

Stand Out from Crowd. Listen to a Different Drummer.

PowerSeller Solutions LLC, Greg Crosby

Stand Out from Crowd. Listen to a Different Drummer.

When you shift your focus to maximizing Final Profit Contribution (FPC), a world of exciting opportunities emerges. Viewing volatility not as a challenge but as a driver of FPC empowers you to approac...

FPC rate sheets tmspotlight volatility

Nov 21, 2024

Comparing Bananas to Oranges. Sorting out the Bad Apples.

PowerSeller Solutions LLC, Greg Crosby

Comparing Bananas to Oranges. Sorting out the Bad Apples.

On Monday, we explored how using a notional loan can fine-tune your approach to targeting the ideal rate lock—ensuring your rate sheet delivers a competitive edge. But achieving the best execution goe...

best-ex notional loan rate sheets tmspotlight

Nov 20, 2024

Clear vision is a clear advantage—make it yours!

PowerSeller Solutions LLC, Greg Crosby

Clear vision is a clear advantage—make it yours!

Your rate sheet is the first step toward achieving a persistent elevated final profit contribution (FPC). FPC = Volume Produced x (Gain on Sale + Value of MSR Retained or Sold). Having a rising FPC is...

FPC notional loan rate sheets tmspotlight

Nov 19, 2024

Ethan Hunt from Mission Impossible: "Hope is not a strategy."

PowerSeller Solutions LLC, Greg Crosby

Ethan Hunt from Mission Impossible: "Hope is not a strategy."

Your mission, should you choose to accept it, is to tackle one of the most critical challenges in mortgage banking: creating a competitive, hedgeable rate sheet. It's all in a day's work for those bal...

best-ex notional loan rate sheets tmspotlight

Nov 18, 2024

You can’t always get what you want, but you’ll get what your rate sheets ask for! 📣

PowerSeller Solutions LLC, Greg Crosby

You can’t always get what you want, but you’ll get what your rate sheets ask for! 📣

What are your rates sheets asking for? Rate sheets are built with biases-sometimes intentional, sometimes accidental-that shape your loan originations. They're a critical factor in whether a potential...

rate sheets tmspotlight

Nov 15, 2024

Do you have a shadow pipeline? Only the shadow knows… 😎

PowerSeller Solutions LLC, Greg Crosby

Do you have a shadow pipeline? Only the shadow knows… 😎

Effective risk management starts with strong data management. No matter how skilled or well-connected the trading desk may be, profits will take a hit if decisions are based on inaccurate, incomplete,...

shadow pipeline tmspotlight

Nov 14, 2024

Channeling water, fire, or wind vs. Earth, Wind and Fire 🎶

PowerSeller Solutions LLC, Greg Crosby

Channeling water, fire, or wind vs. Earth, Wind and Fire 🎶

While some might see Tuesday's list of profit leaks as daunting, it actually represents a list of opportunities. For each leak plugged, sustainable profits rise. Again, each leak does not require you ...

tmspotlight volatility

Nov 13, 2024

Call a Plumber. We've got Profit Leaks!

PowerSeller Solutions LLC, Greg Crosby

Call a Plumber. We've got Profit Leaks!

With all the elements we touched on Friday, the funny thing is that to elevate your success you don't have to be a trading wizard, have superpowers, or need a managed account provider to execute your ...

tmspotlight

Nov 12, 2024

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