4 Mortgage Mega Trends

Borrower expectations for digital engagement have risen dramatically over the past 3 years and even before the onset of covid, expectations were being driven by the rapid digitisation of the experiences in other industries. Remember ordering a meal from a waitron? Or buying a movie ticket? The majority of these interactions have now gone online …

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Crypto Issuance Models

I found and interesting graphic the other day that summarised all of the most current crypto issuance models in 2022. Some had had their day, others are most certainly yet to gain traction. Fascinating none the less. Initial Coin Offering ICOs are cryptocurrency’s version of an IPO, but without the ownership stake. By reading the …

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My Coding Journey

My coding journey started in earnest during the start of 2018 when I was asked to solve a mapping problem. After some experimentation I found google earth and with that the ability to load a .kml file into Google Earth that would allow a user to points of interest added to that map, it was …

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Instagram Scraping

Getting Instagram profile details using Python Instagram is a photo and video-sharing social networking service owned by Facebook. In this article, we will learn how can we get Instagram profile details using web scraping. Python provides powerful tools for web scraping, we will be using BeautifulSoup here. Modules required and Installation: Requests :Requests allows you …

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BTC Node Developers Guide

A Developer’s Guide To Running A Bitcoin Full Node And Local Block Explorer The goal of this guide is set up a Bitcoin Node that is useful for tinkering with as a developer. If you complete this guide successfully, you’ll have a node that is in sync with the network, contains the full history of …

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Stone Ridge 2020 Shareholder Letter

https://www.microstrategy.com/en/bitcoin/documents/stone-ridge-2020-shareholder-letter Dear Fellow Shareholder,  Shortly before the genius David Foster Wallace died, he delivered a college commencement speech that opens with a beautiful critique of our “default setting.”  “There are these two young fish swimming along and they happen to meet an older fish swimming the other way, who nods at them and says ‘Morning, …

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The Role of Technology in Mortgage Lending

This is not my paper, the full paper can be found here: https://academic.oup.com/rfs/article/32/5/1854/5427780 Technology-based (“FinTech”) lenders increased their market share of U.S. mortgage lending from 2 percent to 8 percent from 2010 to 2016. Using market-wide, loan-level data on U.S. mortgage applications and originations, we show that FinTech lenders process mortgage applications about 20 percent …

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The Wetherspoons Effect: Houses near British favourite sell for less

April 11, 2019 | 4 min read Original link and Credit -> https://mojomortgages.com/learn/article/the-wetherspoons-effect Houses within walking distance of a Wetherspoons sell for 27% less than the local average, we’ve discovered.We’ve all heard of the Waitrose Effect, which sees property near one of the up-market stores boosted by as much as £36,000 – with this in …

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