1.16.26 Golden Handcuf Release; FINOFR’s Keith Kelly on Rate Resets; Economic Trends

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today’s episode, we look at the ways we are starting to see the "lock-in effect" meaningfully shift for borrowers. Plus, Robbie sits down with FINOFR’s Keith Kelly for a discussion on how to take the friction out of the loan process for everyone. And we close by examining trends in economic data that will better help you keep borrowers informed as to what's going on.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology.