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Get the latest industry insights and some real-life laughs from the Last Word team as they cover market updates, mortgage predictions, and daily life stories. Join Brian Vieaux, Christy Soukhamneut, Kevin Peranio, and Courtney Thompson as they dig into the big conversations shaping the mortgage world right now. Snow day stories, tech tips, and the evolving neighborhood hustle The struggle of engaging mortgage customers with outdated and modern communication Regulatory changes, state involvement, and the rising costs of compliance Mortgage rate predictions for 2024 and their impact on buyers and servicers Affordability challenges, new loan product proposals, and the critical role of local loan advisors TIMESTAMPS 00:00 "Lawn Guru: Affordable Snow Plowing" 05:01 "Effective Text Message Strategies" 07:13 "Mailbox Rule Clarification Issues" 11:51 "Challenging Binary Thinking" 13:37 Rate Predictions for 30-Year Mortgages 18:33 "Front-Loaded Economic Stimulus Impact" 20:30 Loss Mitigation and Loan Affordability 24:29 "Future Boom in HEA Products" 28:01 "Impact of Lower Mortgage Rates" 29:39 "Speculative Policies and Public Reaction" 32:48 "Patience and Kindness" KEYWORDS mortgage rates, home loans, servicing, technology, AI, regulations, text messaging, snail mail, real estate, affordability, insurance, refinance, prepayment penalty, HEA, HEI, local loan officer, market predictions, compliance, delinquencies, employment, first-time buyers, patience, housing market, family, community, winter, snow, Florida, Michigan, Austin