Hey, before we get started, you have to check out and register for Ramps 2015 Humanitarian and Leadership Awards. If you're a local here in Washington State, you've got to check this out. These guys put on a top-notch event, and it's a two-day event this year. There will be awards and a black-tie dinner on the first night, and a real estate and lender summit on day two, with industry leaders sharing and masterminding ideas. Now, if you're not in Washington but work in a similar Association, this is a great idea, and it's always well attended. The local industry basically gets all gussied up, and we celebrate the year by handing out awards like Realtor of the Year, Loan Officer of the Year, and even Title and Escrow Company of the Year. Um, we've won twice for Media Company of the Year, just saying. I believe this year they even added a new category called Rookie of the Year. And the best part is, well, besides the drinks and the good food, the best part is that the awards are voted on by your peers. It's a great event every year. If you're in a different state, like I said, do the same thing because it's awesome and well attended. If you want more details, click on the link below. The biz is hard enough sometimes, so let's all just take a night off and celebrate our collective accomplishments. Now, if you blinked at the beginning of the month, you may have missed the subtle but big changes. Fannie Mae announced that finally, we are making our way back to sense-making underwriting. I like the changes, and I'm sure Realtors and lenders alike will agree. Let's take a look. The big one, in my opinion, is the removal of reserves needed...
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