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[198.2.174.30]) by mx.google.com with ESMTPS id 3f1490d57ef6-e8df8759222si5425667276.321.2025.07.29.10.08.26 for (version=TLS1_3 cipher=TLS_AES_256_GCM_SHA384 bits=256/256); Tue, 29 Jul 2025 10:08:26 -0700 (PDT) Received-SPF: pass (google.com: domain of bounce-mc.us20_123915094.16074713-fe4290478b@mail30.suw231.rsgsv.net designates 198.2.174.30 as permitted sender) client-ip=198.2.174.30; Authentication-Results: mx.google.com; dkim=pass header.i=@gmail.mcsv.net header.s=k2 header.b="euS4vA/R"; dkim=pass header.i=@nationalmortgageprofessional.com header.s=k3 header.b=nwBcGjmQ; spf=pass (google.com: domain of bounce-mc.us20_123915094.16074713-fe4290478b@mail30.suw231.rsgsv.net designates 198.2.174.30 as permitted sender) smtp.mailfrom=bounce-mc.us20_123915094.16074713-fe4290478b@mail30.suw231.rsgsv.net; dmarc=pass (p=NONE sp=NONE dis=NONE) header.from=nationalmortgageprofessional.com DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.mcsv.net; s=k2; t=1753808905; x=1753895305; bh=0kKjVzfGTSf+m26STfcyQwAoEKsYwh1MmLVCjq1Oiv8=; h=Subject:From:Reply-To:To:Date:Message-ID:X-MC-User:Feedback-ID: List-ID:List-Unsubscribe:List-Unsubscribe-Post:Content-Type: MIME-Version:CC:Date:Subject:From; b=euS4vA/RpCN7pYc/8PpS+/1nSktsWxH4f3uFNXZf8o8NbP0/lltqmkDsZOEk1LF40 iICT4YZbvGwnLe8BEQzIByY3B7Zq2XtCCvYWy8kvQ3wzIUzTWmppZtDlx8trFYWblS QKGgj8AARIruZqWigE78WGSCkDdBFDsu7gLzqRCLw8iGjCMO+mYAoNesEvhx5VUhd8 upI/txRdOjc4ObBB8bgVRyIT90serS/B8so74idi1yfbepWRE7No1dEPqvHUJKV4SN LgzCt4Nh+STtlWFhoZ/v7HLJUG/7a1/vkRELTeyhPIHhUi2j20tghhYlOsNekays6x qU2BIy1QjOmpg== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=nationalmortgageprofessional.com; s=k3; t=1753808905; x=1754078905; i=editorial@nationalmortgageprofessional.com; bh=0kKjVzfGTSf+m26STfcyQwAoEKsYwh1MmLVCjq1Oiv8=; h=Subject:From:Reply-To:To:Date:Message-ID:X-MC-User:Feedback-ID: List-ID:List-Unsubscribe:List-Unsubscribe-Post:Content-Type: MIME-Version:CC:Date:Subject:From; b=nwBcGjmQBEeLYyOHQV/cQQWgZmQdtgR9fRhQfi4EopDy95b+7Tz/ToHcjABgeCy67 9ugQOZNarbngnOCOrl5wXZQJTjcP6NY9MwNaR29qN0vbfb+VOVYBd0lr/z1I/5UlEC dJcZ6DvYCuYtcXCebXK/V5k5OuGaq90kw9abV62wJgDVOmgJFKutboP2R/CKRisjUq kqKLGGF5PUoLCICEBgK5NS3v6hPjVi030hRg6LURB643yUMk3HmdA/5iGvFEnNiOlB VCo5la62Eynx8dFx3LeuYVfQtXPRAzIqD1KD5YtCVxD7OTdVwPAZulohxpi95qU6Tv Q6xuYzEvFvQyg== Received: from localhost (localhost [127.0.0.1]) by mail30.suw231.rsgsv.net (Mailchimp) with ESMTP id 4bs1yK3Tn8zFCrxTx for ; Tue, 29 Jul 2025 17:08:25 +0000 (GMT) Subject: =?utf-8?Q?Lowest=20In=2030=20Years?= From: NMP Daily Reply-To: =?utf-8?Q?NMP=20Daily?= To: =?utf-8?Q?Andrew?= Date: Tue, 29 Jul 2025 17:08:17 +0000 Message-ID: X-Mailer: Mailchimp Mailer - **CIDfb20ad5a5cfe4290478b** X-Campaign: mailchimpca6ee8adbafcbdd9affff5fd3.fb20ad5a5c X-campaignid: mailchimpca6ee8adbafcbdd9affff5fd3.fb20ad5a5c X-Report-Abuse: Please report abuse for this campaign here: https://mailchimp.com/contact/abuse/?u=ca6ee8adbafcbdd9affff5fd3&id=fb20ad5a5c&e=fe4290478b X-MC-User: ca6ee8adbafcbdd9affff5fd3 Feedback-ID: 123915094:123915094.16074713:us20:mc List-ID: ca6ee8adbafcbdd9affff5fd3mc list X-Accounttype: pr List-Unsubscribe: , List-Unsubscribe-Post: List-Unsubscribe=One-Click Content-Type: multipart/alternative; boundary="_----------=_MCPart_838162599" MIME-Version: 1.0 X-Spam-Status: No, score=-4.1 X-Spam-Score: -40 X-Spam-Bar: ---- X-Spam-Flag: NO This is a multi-part message in MIME format --_----------=_MCPart_838162599 Content-Type: text/plain; charset="utf-8"; format="fixed" Content-Transfer-Encoding: quoted-printable http://nationalmortgageprofessional.com?utm_source=3DNational+Mortgage+Pro= fessional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_0= 1&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938 Tuesday=2C July 29=2C 2025 By Aaron Marsh=2C Associate Editor https://partners.nationalmortgageprofessional.com/zone_static/170914/click= /0?seed=3Dfb20ad5a5c-fe4290478b&utm_source=3DNational+Mortgage+Profe= ssional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&= utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938 ** Prediction: 2025 Could See Lowest Existing Home Sales In Three Decades= (https://nationalmortgageprofessional.com/news/home-supply-balances-marke= t-continues-tilting-toward-buyers?utm_source=3DNational+Mortgage+Professio= nal&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_= medium=3Demail&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ Microsoft Corporation introduced its groundbreaking Windows 95 operating s= ystem=2C and both eBay and Amazon saw their inception. Disney released Pix= ar's "Toy Story=2C=E2=80=9D setting a new standard in animated films=2C an= d Sony released its PlayStation in North America=2C changing the landscape= of video gaming. That was 1995 =E2=80=94 and a new housing market forecast says 2025 could= see the lowest number of existing home sales since then. The updated mid-year analysis from online real estate platform provider Re= altor.com revises the company=E2=80=99s expectation for existing-home sale= s this year to about 4 million=2C down from last year=E2=80=99s 4.06 milli= on. But even though sales may dwindle=2C there=E2=80=99s some good news fo= r mortgage pros: the forecast sees a market that=E2=80=99s rebalancing=2C= more favorable for buyers=2C and where sales could increase as rates grad= ually ease. (https://nationalmortgageprofessional.com/news/home-supply-bal= ances-market-continues-tilting-toward-buyers?utm_source=3DNational+Mortgag= e+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_C= OPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) https://partners.nationalmortgageprofessional.com/zone_static/171335/click= /0?seed=3Dfb20ad5a5c-fe4290478b&utm_source=3DNational+Mortgage+Profe= ssional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&= utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938 ** The Latest ------------------------------------------------------------ ** =F0=9F=93=B1 New Integration Of ICE=E2=80=99s Encompass=2C MSP Aims To= Boost Borrower (https://nationalmortgageprofessional.com/news/ice-deepens= -integration-encompass-origination-and-msp-servicing-tech?utm_source=3DNat= ional+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_= 07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) Recapture ------------------------------------------------------------ ICE Mortgage Technology announced deeper integration of its Encompass orig= ination and MSP servicing solutions (https://nationalmortgageprofessional.= com/news/ice-deepens-integration-encompass-origination-and-msp-servicing-t= ech?utm_source=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-= EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-1= 9a277e12f-614296938) that=E2=80=99s designed to help lender-servicer= s retain more customers while providing homeowners an easier=2C more seaml= ess experience. ** =F0=9F=94=A8 Construction Labor Shortage Persists =E2=80=94 And Hits Ho= mebuyers=E2=80=99 And Owners=E2=80=99 Wallets (https://nationalmortgagepro= fessional.com/news/construction-worker-shortage-persists?utm_source=3DNati= onal+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_0= 7_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ Wages for construction workers have increased much faster than they have f= or other occupations=2C pointing to a continued labor shortage in the fiel= d. It=E2=80=99s having ripple effects in home building=2C home repairs=2C= and homebuying (https://nationalmortgageprofessional.com/news/constructio= n-worker-shortage-persists?utm_source=3DNational+Mortgage+Professional&utm= _campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium= =3Demail&utm_term=3D0_-19a277e12f-614296938) . ** =E2=AC=86=EF=B8=8F Brian Woltman Gets SVP Promotion At Embrace Home Loa= ns (https://nationalmortgageprofessional.com/news/embrace-home-loans-promo= tes-brian-woltman-svp?utm_source=3DNational+Mortgage+Professional&utm_camp= aign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Dema= il&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ National mortgage lender Embrace Home Loans has promoted Brian Woltman (ht= tps://nationalmortgageprofessional.com/news/embrace-home-loans-promotes-br= ian-woltman-svp?utm_source=3DNational+Mortgage+Professional&utm_campaign= =3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&u= tm_term=3D0_-19a277e12f-614296938) =2C its top-producing LO for thre= e of the last five years=2C to senior vice president. ** Coming Up ------------------------------------------------------------ Tuesday=2C August 5: ** Maximizing Tradeshows To Win More Broker Business (https://nationalmort= gageprofessional.com/event/maximizing-tradeshows-win-more-broker-business?= utm_source=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAI= L_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a27= 7e12f-614296938) ------------------------------------------------------------ Attend this free webinar hosted by NMP and RCN Capital Thursday=2C August 7: ** California Mortgage Expo =E2=80=94 San Diego (https://www.originatorcon= nectnetwork.com/events/california-mortgage-expo-san-diego?utm_source=3DNat= ional+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_= 07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ Attend for free with code NMPFREE Thursday=2C August 14-17: ** Originator Connect =E2=80=94 Las Vegas (https://www.originatorconnect.c= om/?utm_source=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-= EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-1= 9a277e12f-614296938) ------------------------------------------------------------ Attend for free with code NMPFREE ** One Last Thing ------------------------------------------------------------ https://nationalmortgageprofessional.com/podcasts/inspired/landlines-leade= rboards?utm_source=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5= a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D= 0_-19a277e12f-614296938 ** From Landlines To Leaderboards (https://nationalmortgageprofessional.co= m/podcasts/inspired/landlines-leaderboards?utm_source=3DNational+Mortgage+= Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COP= Y_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ Top-100 originator Phil Crescenzo of Nation One Mortgage (https://national= mortgageprofessional.com/podcasts/inspired/landlines-leaderboards?utm_sour= ce=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAI= GN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) shares how he rose from cold-caller to national standout th= rough disciplined strategy=2C empathetic leadership=2C and a thriving VA/F= HA focus in a tough market. =F0=9F=8E=A7 31 min | Listen on Apple (https://podcasts.apple.com/us/podca= st/from-landlines-to-leaderboards/id1801319344?i=3D1000719623812&utm_sourc= e=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIG= N_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) =2C Spotify (https://open.spotify.com/episode/7fkFnkpQkqaHLG= 5EqKMyju?utm_source=3DNational+Mortgage+Professional&utm_campaign=3Dfb20ad= 5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail&utm_term= =3D0_-19a277e12f-614296938) =2C or online (https://nationalmortgagep= rofessional.com/podcasts/inspired/landlines-leaderboards?utm_source=3DNati= onal+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_0= 7_25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) https://partners.nationalmortgageprofessional.com/zone_static/171336/click= /0?seed=3Dfb20ad5a5c-fe4290478b&utm_source=3DNational+Mortgage+Profe= ssional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&= utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938 Have feedback? Contact our editors (mailto:editors@ambizmedia.com?subject= =3DNMP%20Daily&body=3D) . Did someone forward you this email? Subscribe to stay in the loop. Too many emails? Switch to our weekly newsletter (https://nationalmortgage= professional.us20.list-manage.com/profile?u=3Dca6ee8adbafcbdd9affff5fd3&id= =3D4a91388747&e=3Dfe4290478b&c=3Dfb20ad5a5c) instead. https://nationalmortgageprofessional.com/magazine/nmp-magazine/own-your-ni= che-own-your-future?utm_source=3DNational+Mortgage+Professional&utm_campai= gn=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COPY_01&utm_medium=3Demail= &utm_term=3D0_-19a277e12f-614296938 ** Own Your Niche Own Your Future (https://nationalmortgageprofessional.co= m/magazine/nmp-magazine/own-your-niche-own-your-future?utm_source=3DNation= al+Mortgage+Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_= 25_01_08_COPY_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) ------------------------------------------------------------ This week=E2=80=99s NMP cover story explores how choosing a niche can driv= e trust=2C referrals=2C and long-term success. Plus=2C Erica LaCentra shar= es her journey from early hire to CMO =E2=80=94 and how she built a stando= ut marketing team while championing visibility and mentorship in private l= ending. Read the latest issue (https://nationalmortgageprofessional.com/magazine/n= mp-magazine/own-your-niche-own-your-future?utm_source=3DNational+Mortgage+= Professional&utm_campaign=3Dfb20ad5a5c-EMAIL_CAMPAIGN_2025_07_25_01_08_COP= Y_01&utm_medium=3Demail&utm_term=3D0_-19a277e12f-614296938) Logo View this email in your browser (https://mailchi.mp/nationalmortgageprofes= sional/60iaqal4f4?e=3Dfe4290478b) Copyright (C) 2025 American Business Media. All rights reserved. You are receiving this email because you attended an Originator Connect Ne= twork event=2C subscribe to National Mortgage Professional Magazine=2C or= opted in to receive updates and special promos. Our mailing address is: American Business Media 88 Hopmeadow St Weatogue=2C CT 06089 USA Want to change how you receive these emails? 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= Tuesday=2C July 29= =2C 2025

By Aaron Marsh=2C Associate= Editor

=
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<= tr>= =

Prediction: 2025 Could See Lowest= Existing Home Sales In Three Decades

Microsoft Corporation int= roduced its groundbreaking Windows 95 operating system=2C and both eBay an= d Amazon saw their inception. Disney released Pixar's "Toy Story=2C=E2=80= =9D setting a new standard in animated films=2C and Sony released its Play= Station in North America=2C changing the landscape of video gaming.

= That was 1995 =E2=80=94 and a new housing market forecast says 202= 5 could see the lowest number of existing home sales since then. =

The updated mid-year analysis from online real= estate platform provider Realtor.com revises the company=E2=80=99s expect= ation for existing-home sales this year to about 4 million=2C down from last year=E2=80=99s 4.06 million. But even though sales may= dwindle=2C there=E2=80=99s some good news for mortgage pros: the forecast= sees a market that=E2=80=99s rebalancing=2C more= favorable for buyers=2C and where sales could increase as rates gradually= ease.

The Latest

=F0=9F=93=B1= New Integration Of ICE=E2=80=99s Encompass=2C MSP Aims To Boost Borrower= Recapture

ICE Mortgage Technology announc= ed deeper integration of its Encompass origination and MSP s= ervicing solutions that=E2=80=99s designed to help lender-servicers re= tain more customers while providing homeowners an easier=2C more seamless= experience.

=

=F0=9F=94=A8 Construction Labor Shortage Persists =E2=80=94 An= d Hits Homebuyers=E2=80=99 And Owners=E2=80=99 Wallets

Wages for construction workers have increased much faster tha= n they have for other occupations=2C pointing to a continued labor shortag= e in the field. It=E2=80=99s having ripple effects in home b= uilding=2C home repairs=2C and homebuying.

=E2=AC=86=EF=B8=8F Brian Wolt= man Gets SVP Promotion At Embrace Home Loans

National mortgage lender Embrace Home Loans has promoted= Brian Woltman=2C its top-producing LO for three of the last five year= s=2C to senior vice president.

=

Coming Up

Tuesday=2C August 5:

Maximizing Tradeshows To Win More Broker Busin= ess

Attend this free webinar hosted b= y NMP and RCN Capital

Thursday=2C August 14-17:

Originator Connect =E2=80=94 Las Vegas

Attend for free with code NMPFREE

One Last T= hing

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From Landlines To Leaderboards

Top-100 originator Phil Cres= cenzo of Nation One Mortgage shares how he rose from cold-caller to na= tional standout through disciplined strategy=2C empathetic leadership=2C a= nd a thriving VA/FHA focus in a tough market.

=F0=9F= =8E=A7 31 min | Listen on Apple=2C Spotifyonline=

=

Have feed= back? Contact our e= ditors.

Did someone forward you this em= ail? Subscribe to stay in t= he loop.
Too many em= ails? Switch= to our weekly newsletter inste= ad.

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