Good Morning

I’ll get right to the guts of the matter:

we need loans bought off the warehouse line
at present we are 5 million short of what is needed to fund out our projected closings for this month
we need 5 million more loans bought off the line today through Monday morning at 10am.
If you are not doing something that is critical, please contact Bryon to help with exceptions
Everyone…pray
I will be using some new terms in the next few days. They, and their definitions, are -
May 15th: I’m thinking about what we are going to look like without all the low end manual underwrites
Retooling: exactly at it implies, but towards People and Systems
If you were in a meeting and/or discussion with me yesterday, think about what we discussed and move forward with those directions.
If you are not sure, call or come see me.

Understand, or at least accept, that we do not have time to think through a lot of details right now.

We must be changing BUT with a high level of ROBUST EVALUATION AND CORRECTION. Let me clarify….ROBUST EVALUATION AND CORRECTION.

This is not a game though it could be thought of as high-stakes poker or a chess masters final. What is at risk here are people moving into houses, people’s homes; people’s income; people’s jobs. What is at risk are people.

Please take this all very serious. We’ve been in training for a long time for this day and it is performance time; period-the-end-performance. No games, no playing. Please see that you and your co-workers are engaged in what is important. If you are not sure, ask questions – do not not ask questions.

One final note; a couple of you have asked me about being more specific about what to pray for. I’ll just say…

”All of this, but specifically the people. Pray for each other. Pray for me. Pray that we would all get our direction, guidance, wisdom, revelations, and discernment from the One and Only God; the Father, Son, and Holy Spirit. And not just for the tough stuff; not just for the trials we are going through. But for the triumphs also.

Give thanks for still being in business. Give thanks for life. I see some people’s struggles and problems and just give thanks because except for the mercy of God, there go I. God doesn’t make junk – you and I are made in God’s image. We are called. This is a fallen world and we have a mandate to work His creation. With my personal relationship with Jesus Christ comes a more specific call, a mandate: to disciple, baptize, and teach others to observe all that HE commanded.”

This is not about being easy. This is not about everything being all stress-free and mushy. This is about life.

For me, this is about doing it Right; this is about somehow glorifying God through our business principles, our people, and our community (Alethes). It is not about my salvation though – that is done. So, if I don’t seem as stressed as you think I should be. That’s why.

So, having said all that….please know that each of you are doing a great job. These are trying times and it is easy for me to hammer the negatives and get into my persister mode. Those of you that slow me down, those that ask questions, those that cause me to pay attention to my blind spots…thank you. There are a lot of triumphs in the midst of this. We have made great strides in increasing our performance.

Thanks, (and so much for just the guts!)

Danny