MLO Jobs; Subservicing Notarization, Sales Tools; Opting out of Trigger Leads; Election Day

This morning I head from Chicago to Atlanta, with a corresponding change in temperatures (20 degrees) and snow readiness (even the Chicago garbage trucks can be outfitted with plows; an inch of snow in Atlanta can paralyze the city for a day). “Don’t knock the weather. If it didn’t change once in a while, nine tenths of the people couldn’t start a conversation.” Whether or not an individual believes in manmade, or natural, climate change, is immaterial. If investors in mortgage-backed securities, or insurance companies, do, and it impacts borrower pricing, or your ability to obtain insurance in places like Florida or California, then it matters. U.N. climate talks in Egypt, known as COP27, are underway this week, with many of the parties looking for concrete pledges to combat the damaging effects of climate change. “Moving from negotiations and pledges to an era of implementation is a priority,” said COP27 President Sameh Shoukry. Good luck. Despite coral making a great comeback in the Pacific, greenhouse gases like carbon dioxide, methane and nitrous oxide reached new record highs in 2021, while increasing temperatures, a loss of biodiversity, and extreme weather events like floods and hurricanes are said to be growing in intensity. (Today’s podcast is available here and this week’s is sponsored by SimpleNexus, an nCino company and award-winning developer of mobile-first technology for the modern mortgage lender. Listen to an interview with TMS Chief Compliance Officer Shayna Arrington on compliance hot topics and why compliance matters to customers.)