Here it is, Autumn in Southern Oregon. It seems that overnight the flip was switched and Summer was gone. With frost advisories again, a run to the vegetable garden was in order to harvest what may be the season’s final harvest. The call has been made for this Winter’s wood to be delivered. Thankfully, our temperatures are easing upward again, and we’ll have another chance to get out on the boat on our favorite mountain lake, and say our farewells for this season before the boat is hauled down and put in storage until next Spring.

Lately, this same “cooling” seems to have dramatically snuck in to my mortgage world.  A sense of futility comes through when calls are made to question turn times that haven’t been met. “Sure things” are no longer quite so sure, and justification has become the name of the game. Proposals for guideline changes and new programs are flooding the gates, with the long term affects of these decisions left either unexplored or ignored. In 26+ years, I’ve seen quite a few “cycles” in the real estate/mortgage industry. Is this really another cycle? Is this just another season passing by? Are you seeing this in your world, too?

Maybe it’s just the cooling trend that is getting to me, but it seems to me that it’s more than just a change of seasons taking place…

See you out there!