The year 2022 continues to deliver a devastating blow to the Real Estate and Mortgage Industry;

  • Purchase market down 40% year over year
  • Refi market down 85% year over year
  • Fed continues to fight inflation by increasing interest rates

With no end to this trend in sight, we must adapt to our surroundings and understand that rates will not be coming back down.  Here are some of my personal recommendations;

  • Lower your overhead by reducing office size or move to home office.
  • Reduce staff if possible.
  • Focus on products that at still selling such as Purchase Market, Reverse, Non-QM and Private Money

Many of you have been with HighTechLending for 10+ years and this is not our first contraction.  The strategy is to keep breathing and this too will pass.


~ Don Currie

This Month’s Top Producing Branches

Non-QM Training for Sales

Please join Galen ColleyUnderwriting Manager for a Non-QM Income Training & File Process webinar on Tuesday, 9/13/22 @ 2:00pm PST. We look forward to guiding you on your Non-QM file needs.

In this training we will be discussing, how to qualify Bank Statement Income & Tips on what to look out for when you have a potential borrower.

We’re looking forward to seeing you all! Thank You.

Please note: Clicking the button above will download a Calendar file (.ics) to your computer. Simply download it to your desktop and double-click the ICS file to add this event to your Outlook Calendar. On the date/time of the event, click the Zoom link located within the calendar event in Outlook to attend.


For more information, please contact: Erika Macias  |  949.468.2613

Upcoming Webinars
Columbus Day Lock Desk Schedule

In observance of Columbus Day, the Federal Reserve will be closed on Monday October 10th 2022. 

Monday, October 10, 2022 cannot be used as a day of rescission or funding day. The HTL Lock Desk will also be closed. We will resume regular business on Tuesday October 11th.

We wish everyone a safe holiday.

Thank you for your continued business and support


For more information, please contact: Melanie McAllister  |  949.468.2614

Featured Social Media
Not quite sure how to use HTL Social Media? View our guide.

Marketing Resources

Please Note:

  • When browsing for marketing collateral in the portal, it can be difficult to know what the piece looks like if you’re in the default “List” view.
  • To make things easier, you can switch your view from “List” to “Tiles”. This will allow you to view the contents of the page with thumbnails instead of only file names.
  • In the section you’re viewing, look for a link labeled “All Documents”. Click the “All Documents” link to expand a sub-menu and select “Tiles“.

Still not sure how? Watch the video.

Got Marketing and Need Compliance Review?

For more information, please contact: Ritchel Castillo  |  949.386.2576

No updates at this time.

For more information, please contact: Galen Colley  |  949.825.5740

Top 5 Social Media Violations
  1. Name and NMLS ID
  2. Office Address
  3. Company NMLS ID
  4. Licensed by Department of Financial Protection and Innovation under California Residential Mortgage Lending Act.
  5. Business Phone

For more information, please contact:

No updates at this time.

For more information, please contact: John Pham  |  949.468.2666

We knew there was a lot riding on today’s CPI data and that it was highly likely to inspire a big move higher or lower for bonds if it came in much higher or lower than expected.  In today’s unfortunate case, core CPI surged to 0.6% vs forecasts calling for 0.3% and a previous reading of 0.3%.  This is the sort of surge that very few economists predicted.

This Week’s Economic Calendar:

Tuesday, September 13th                               

  • 8:30 am       CPI (annual) Aug               
  • 1:00 pm       30-Yr Bond Auction                   

Wednesday, September 14th                                    

  • 8:30am       Core Producer Prices YY Aug                           
  • 10:30 am     Crude Oil Inventory                    

Thursday, September 15th                             

  • 8:30 am       Jobless Claims                           
  • 8:30 am       Retail Sales Aug                         
  • 10:00 am     Business Inventories Jul                        

Friday, September 16th                                  

  • 10:00 am     5yr Inflation Outlook Sep                                
  • 10:00 am     Consumer Sentiment Sep

Indicator                                      Rate 
30 Yr. Fixed Rate*                     5.94%
15 Yr. Fixed Rate*                      5.23%
30 Yr. FHA                                   5.61%
30 Yr. Jumbo                              5.46%

* from Freddie Mac weekly survey  

                   SEPT. 09     SEPT. 02     HIGH     LOW
1-year           3.62             3.48           3.62        0.07
10-year         3.31              3.17           3.36        1.33

As the comment from above indicates the rise of the Consumer price index coming in higher than expected, be assured the FED will raise rates again likely in the .75 area as they have been.  Keep this in mind.

For more information, please contact: John Pham  |  949.468.2666

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