Episode Details

The debate over eliminating daylight saving time continues as supporters favor simpler timekeeping and more evening daylight, while opponents warn that permanent clock changes could mean excessively late winter sunrises and unusually early summer mornings. I thought this was a mortgage podcast!

Robbie interviews ACI Worldwide's Tom Warsop on how real-time payment networks like FedNow and RTP, combined with ISO 20022’s richer data capabilities, could accelerate mortgage closings, improve funding certainty, and reduce transaction costs, though the operational impact remains uncertain. Lenders should modernize workflows and staff readiness while automating routine payment execution and completing human-verified fraud checks before irreversible transactions.

And Treasuries and Agency MBS rallied as cooling quarterly inflation momentum lowered December rate-hike expectations to below 80 percent, despite resilient GDP growth, strong consumer spending, and a tight labor market, reinforcing expectations that the Warsh-led Fed will favor patience while monitoring incoming data.

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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.