Happy Groundhog Day, where the rodent saw its shadow this morning, so plan on six more weeks of winter. There’s an old Yiddish proverb “We plan, God laughs.” Lots of people plan on owning a home, and will need financing. (Today’s podcast features an interview with homeowner Riley Howard about his decision why he refinanced his primary mortgage rate four times, and how he chose his lender(s).) Plenty of lenders are planning on being around to help do the estimated $2 trillion in home loans this year. Plenty of people had planned on the Federal Reserve’s Open Market Committee (FOMC) bumping up overnight rates by .25 percent (25 basis points) yesterday, and sure enough it happened. But rates dropped anyway, despite the planning and expectations, and if you want a primer on why, here you go. (Today’s podcast can be found here and this week’s is sponsored by Milestones. Giving homeowners an all-inclusive homeownership experience including home value and equity monitoring, home maintenance reminders and how-to articles, cloud-based document storage, one-click access to hire professionals for various projects around the home, and much more.) TPO Loan Products Are you looking for new ideas, products, tech solutions and training to win more purchase business? Join Rocket Pro TPO next Monday (2/6) at 2pm ET for the next IGNITE Live meeting! Register here! This monthly meeting, hosted by Executive Vice President, Mike Fawaz, is designed to deliver new and special announcements plus insights and solutions for the broker community. February’s meeting will showcase how VA lending can be a big part of your purchase strategy in 2023. Want to exceed the expectations of buyers and sellers? Rocket Pro TPO will cover virtually all of VA’s non-allowable fees: That’s Fee Freedom for VA! If you missed the last IGNITE Live, where Fawaz introduced free credit reports for brokers, watch the replay! See you next Monday for another big announcement!