As we enter 2014, it is important to take stock of the market and to properly plan for the year ahead. The first quarter, in particular, often serves as a bellwether for the health of the overall lending market and is key to getting great loan pricing. Lenders are eager to hit their budget goals early and thus pricing (loan spreads) typically are tight in the first quarter of the year. Add in the CREF-Mortgage Bankers convention in the first week of February and spreads further compress. The ...

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