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Audrey Boissonou, Kevin Casey and Bill Dallas talk arms and the fact that there is a yield curve again and 5 and 7 year arms can be an option again. Bill points out that its important to have different products to fit different borrowers. They discuss the importance of trying to be constantly try to be in contact with your clients, annual reviews. They talk about portable mortgages and note modifications. Loan officer compensation changes and the Australian model. Bill is responsible for inspiring and leading more than a dozen mortgage, banking fulfillment and financial technology companies over the past 40 years. These include Cloud virga, First Franklin, Heritage Bank of Commerce, Ownit Mortgage Solutions, Skyline Home Loans, NewLeaf Lending, and Finance of America Mortgage to name some of his ventures. He and his teams navigated virtually every real estate cycle while building mortgage lenders. Today Bill and Dallas capital helps other lenders build their companies