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Bonus Or Bait
Certainty is the currency this issue is built around. Associate Editor Katie Jensen examines how sign-on bonuses have re-emerged as a primary recruiting tool across the retail mortgage channel — along with clawback obligations, margin adjustments, and contractual restrictions that can leave loan officers with far less certainty than the offer implied. Also in this issue: Gerald M. Green on why underwriting delays are a sequencing problem, not an efficiency problem, and how a validation-first model delivers the one thing every closing needs.
Retail veterans explain the calculation, the clawbacks, and the fine print
ndustry’s biggest bottleneck is not underwriting itself — it is the uncertainty that reaches underwriting too late in the process. When validation happens upstream, speed follows naturally.
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