#software development company in Fresno

[cyber-puzzle-net]

Cyber Puzzle Net offers services including Website Development and Digital Marketing Services

Web Design & Development

Create a Powerful Online Presence with Our Expertise

At Cyber Puzzle Net, we specialize in delivering exceptional Web Design and Development services that combine aesthetic appeal with functional excellence. Our goal is to build websites that capture your brand’s essence and provide an outstanding user experience.

Our Services Include:

Custom Web Design: Unique, brand-specific designs.

Responsive Development: Seamless performance on all devices.

UX Design: Intuitive interfaces for better user engagement.

CMS Solutions: Easy content management with platforms like WordPress.

E-Commerce Development: Secure, scalable online stores.

Ongoing Maintenance: Regular updates and support for optimal performance.

Digital Marketing Services

Elevate Your Brand with Comprehensive Digital Marketing Solutions

We offer a full suite of Digital Marketing Services designed to enhance your online presence and drive business growth. Our strategies are tailored to your specific needs, combining innovative techniques with data-driven insights to achieve measurable results.

Our Digital Marketing Services Include:

Search Engine Optimization (SEO): Improve your website’s visibility on search engines through on-page and off-page optimization strategies, keyword research, and content enhancement.

Pay-Per-Click (PPC) Advertising: Drive targeted traffic to your site with expertly managed PPC campaigns on platforms like Google Ads and Bing Ads.

Social Media Marketing: Build and engage your audience on platforms like Facebook, Instagram, LinkedIn, and Twitter through tailored content and strategic advertising.

Content Marketing: Create and distribute valuable content that attracts, informs, and retains your target audience, including blog posts, infographics, and videos.

Email Marketing: Develop effective email campaigns to nurture leads, engage existing customers, and drive conversions with personalized messaging and automation.

Analytics and Reporting: Track and analyze campaign performance with detailed reports, providing insights to optimize strategies and improve ROI.

[datascraping001]

G2 Product Information Extraction

G2 Product Information Extraction

Unlocking Insights with G2 Product Information Extraction by DataScrapingServices.com. In today's highly competitive business environment, staying ahead of the curve requires accurate and real-time information. G2 is a leading platform that houses thousands of product reviews, ratings, and essential insights from users about various software and services. To leverage this wealth of information effectively, G2 Product Information Extraction by DataScrapingServices.com is an indispensable tool. Our service helps you gather valuable data from G2, enabling businesses to stay informed and competitive by analyzing trends, customer sentiments, and market dynamics.

List of Data Fields

Our G2 Product Information Extraction service captures a wide array of valuable data fields, including:

- Product Name: Names of the software or services listed on G2.

- Company Details: Basic information about the company that owns the product.

- Product Features: Key features and capabilities of each product.

- User Reviews and Ratings: In-depth customer reviews and overall ratings for each product.

- Pricing Information: Available pricing models and package details.

- Competitor Analysis: Comparative information on similar products in the market.

- Industry Category: Classification of the product based on industry or niche.

This comprehensive extraction of product data can be used to drive business strategies and improve marketing effectiveness.

Benefits of G2 Product Information Extraction

There are multiple benefits to utilizing G2 Product Information Extraction for your business:

1. Competitive Analysis: Our extraction service provides a detailed view of competitor offerings, helping you benchmark your product against others. This allows you to make informed decisions to improve your offerings and capture a larger market share.

2. Customer Sentiment Insights: The reviews and ratings we extract give you a deeper understanding of customer sentiments—what they love, and what can be improved in the product. This feedback can fuel product development strategies.

3. Informed Marketing Strategies: Understanding the features and pricing of competitor products lets you fine-tune your own marketing campaigns, ensuring you're hitting the right messaging points and price comparisons.

4. Real-time Data for Decision Making: Since G2 is constantly updated, having access to real-time data helps you stay on top of market trends, customer needs, and emerging competitors.

Best eCommerce Data Scraping Services Provider

PriceGrabber Product Pricing Scraping

Asda UK Product Details Scraping

Amazon Product Price Scraping

Online Fashion Store Data Extraction

Amazon.ca Product Information Scraping

Retail Website Data Scraping Services

Tesco Product Details Scraping

Homedepot Product Listing Scraping

Marks & Spencer Product Details Scraping

Extracting Product Information from Kogan

Best G2 Product Information Extraction Services  in USA:

Fresno, Orlando, Sacramento, Oklahoma City, Colorado, San Francisco, Fort Worth, Louisville, Seattle, Columbus, Milwaukee, Raleigh, San Francisco, Washington, Las Vegas, Denver, Nashville, Bakersfield, Mesa, Indianapolis, Jacksonville, Albuquerque, Colorado, Houston, Sacramento, New Orleans, Kansas City, San Diego, Omaha, El Paso, Atlanta, Memphis, Dallas, San Antonio, Long Beach, Fresno, Austin, Philadelphia, Orlando, Long Beach, Wichita, Boston, Virginia Beach, Tulsa, San Jose, Chicago, Charlotte, Tucson and New York.

Conclusion

In the fast-paced world of technology and business, having access to accurate, timely, and relevant data is crucial. G2 Product Information Extraction by DataScrapingServices.com enables businesses to harness the power of G2's vast data for improved product positioning, competitive analysis, and customer insights. Contact us today to learn how we can help you stay ahead with our data extraction services.

Website: Datascrapingservices.com

Email: info@datascrapingservices.com

[sapphiresoftware]

Top 10 Software Development Companies in Fresno, USA

Get the Top 10 Software Development Companies in Fresno, USA, this blog will make it easier for you to find the Best Leading IT Companies in Fresno.

Read More:

[fahrni]

Saturday Morning Coffee

The week has come to an end. Grandma, the final of the grandparents, was laid to rest Wednesday, December 7. She had a very full 96 years. We miss you already, Grandma.

Now we head home. Bug — our daughter Taylor — and I are at Fresno-Yosemite International waiting for our plane to San Francisco. Sipping my quad-grande-vanilla-mocha and typing away on my iPhone. Coffee is good. ☕️

Swift.org

When Swift began life as an open source project, we wanted to open not just the language itself, but the ecosystem around it. Foundation has been instrumental in the success of decades of software and has been an integral part of the Swift developer experience from the beginning, and we knew it had to be included in the open source offering.

This is really nice to see. Apple does have a history of open source projects.

Swift is an amazing language and I’d love to see it spread to all operating systems. To write shared code for Mac, iOS, Windows, and Android, and have it be a first class citizen would be incredible.

C and C++ are still great choices for that of course and we now have Rust, which becomes more tempting with each article I read about it.

Vox

In late November, Amazon began making what are expected to be the largest corporate staff cuts in its 28-year history, axing as many as 10,000 corporate employees, or about 3 percent of the company’s office staff.

It’s sad to see a company have to lay off so many people, especially around the holidays.

Good vibes to all those affected.

Dart Engineering Blog

Over the last four years, we’ve evolved Dart into a fast, portable, and modern language. Our next release, Dart 3, completes the journey to a fully sound null safe language.

Another interesting language getting safer by the day. This could be a really interesting cross platform choice for model, network, and data persistence code if it doesn’t rely on an interpreter. Even if it does it makes me go hmmmm. 🤔

Also, Dart Engineering folks, use Blogger instead of Medium. It is a Google property after all.

Rolling Stone

Recipients of the Congressional Gold Medal didn’t shake hands with Senate Minority Leader Mitch McConnell and Republican House Leader Kevin McCarthy, at a ceremony on Tuesday.

Good. Those assholes don’t deserve to be recognized by any of us. Support an insurrection and the man who instigated it and you don’t deserve any respect.

The Sacramento Bee

When a man got lost deep in the dark Alaskan wilderness, it was his iPhone’s satellite that saved him.

I’ll be darned. It worked! 🥳

ReadySet Blog

Predictably, many Rust advocates (of which I am one) pointed out that this is exactly the kind of vulnerability that can be statically prevented by Rust, and is a clear example of where “Rewrite it in Rust” can have real benefits.

Speaking of Rust. We’re seeing a movement to Rust as a low level language. Even Microsoft is going to move to it for low level stuff. It would be really great to see it treated as a first class language by Apple and Microsoft in their respective IDE’s.

The Times

The Pentagon has given a tacit endorsement of Ukraine’s long-range attacks on targets inside Russia after President Putin’s multiple missile strikes against Kyiv’s critical infrastructure.

I like the idea of tactical strikes into Russian territory. After almost a year of defending themselves it’s nice to see Ukraine go on the offensive.

Putin has succeeded in making sure Ukraine becomes part of the United Nations. Nice job dude. 🤪

Seth Abramson

I have never had my social media account at any social media platform suspended. But it just happened at Mastodon, a place I have posted so few times that I can literally count them on a single hand.

I’d love to hear the other side of this story. Since Mastodon instances are not beholden to any one corporation they can make their own rules. It could’ve been as simple as the instance admin not liking Mr. Abramson’s work.

He could’ve found a different instance to participate in. It’s really easy to move and I know of at least two instances dedicated to journalism.

It would be nice to see Post federate with other services, Mastodon being the primary one. Post could still maintain their own unique identity and allow others to at least see headlines to paid articles. Just spitballing.

Ed Bott

Nice work, Jack. Your buddy Elon has turned Twitter into 8Chan.

Elon is ruining Twitter.

Also, I’d love to see Mastodon support embedding cards in websites. Maybe it does and I don’t know how. That would be amazing.

[fresnobizz]

FresnoBizz is a leading software development company in Fresno, that provides its clients with a life-changing digital transformation journey. We develop custom software and web applications based on client’s requirements. We have a team of UI designers, developers and testers working in coordination to develop software and applications based on your requirements. Call us today at 909-997-4393 or reach out to us via email at hello@fresnobizz.com to set up a FREE Business Analysis meeting.

[fresnofloatguru-blog]

What is WanderFloat?

I was introduced to the floating by my CTO of a tech start up in the animal health industry.  He let me know that he was going to go “float” because he had a ClassPass to this float spa and they were normally booked, but he had secured an appointment.  I told him I had never heard of floating and asked what it was.  I immediately Googled sensory deprivation to see if there was something like this in Fresno….and low and behold, there was someone with one float room.  The website did not have very many pictures, and the ones that I saw were of an older Samahdi Tank (think metal coffin) and I was a little scared, but my intrigue outweighed my fear.  I immediately booked my appointment and then spent the next few hours researching what it was I was getting myself into.

I’ve been a yogini for over 18 years and have participated in endurance sports in my adult life, where mental toughness and meditation are crucial skills I have continued to hone.  So I thought an hour in a tank filled with warm salt water and my thoughts would be fairly easy.  Even with all of the research, I was not prepared for my first experience.

I arrived to my appointment and discovered that he no longer had a Samahdi tank, but it was a Float Cabin (picture bank vault).  I was given instruction on showering, ear plugs, position in the pod and then left to my own devices.  I still remember how thinking that I was forgetting something, or not doing something right before I hoped in the tank.  The first 10-15 minutes were a bit painful in my neck and shoulder area, but I knew from reading articles that this may occur, but the discomfort would melt away.  Then I started wondering if there was a chance I wouldn’t be notified when to get out of the tank and I would stay in too long.  I guesstimate that the last 15 - 20 minutes were spent moving around and wondering if it was over yet.

I did realize during my experience that this was a skill that was learned and that there were many people that would benefit from this therapy as well as those that were already seeking a form of meditation and mindfullness.  What I wanted to provide was a more luxurious environment that allowed more than just one person to experience this at once.

When I arrived home I found a resource online for how to plan and build out your float spa business.  I talked to my husband who I’m sure thought this was another one of “Kelly’s crazy ideas”, and he agreed that it sounded like it was worth doing some research on and finding out what would be involved to start a business.  After going through an online course with Float Tank Solutions out of Portland, OR (float Mecca of the United States), I realized that I may not have the necessary skills to build out a float spa on my own.  There are many unique characteristics to a float spa that a typical architect or general contractor would not be aware of.  So I started researching franchises, where someone would help me with the build out, operating procedures, as well as marketing and content.

There were only two franchises and another that was in the process of developing a franchise plan.  I looked at both and started discussions with all three companies.  There were things I liked about all 3, but I was still on the fence about which direction I wanted to go.

During this time, I was running a pilot for a software solution with a veterinary hospital in Austin.  One of my visits I decided that I was going to book a float when I arrived in Austin to alleviate jet lag and do a bit of research on the client experience and environment.  I booked my float and when I arrived, I realized it was in the same shopping center as my veterinary hospital client and True REST Austin had just been open one month.

This was only my third float and I’m still not sure if I had just been anticipating an amazing 3rd float because of the articles that I read saying it takes at least 3 floats to really start feeling the benefits, but I was sold.  I left the spa feeling euphoric and in love with the aesthetic of the spa.  I called my husband from the rental car on the way back to the airport and let him know that I wanted to pursue opening a True REST in Fresno.  I got up to my hotel room and opened my computer to send Mandy Rowe an email and realized that I still had on my spa slippers!

From that moment, things couldn’t move fast enough for me.  We secured a location (my first pick) in a beautiful shopping center, right next to my home hot yoga studio and we started the build out process.  We finally opened in October of 2018 and are still enjoying educating the Fresno/Clovis community about the benefits of floating and love hearing from our clients all of the ways that floating has increased health and wellness in their lives.

We hope to open a second location in Clovis before heading to other markets in California.

Do you even float?!

[bakersfieldnewshq]

Bitwise acquires Bakersfield-based Stria LLC.

Bitwise Industries, a Fresno-based workforce development firm, has bought Stria LLC, a Bakersfield-based process outsourcing company, in a transaction that outsiders and insiders view as boosting Kern County’s aspirations to become a tech and business services powerhouse.

Stria founder and CEO Jim Damian said the purchase announced Tuesday would help the firm improve employee benefits and increase its 120-person payroll by up to 10% to fulfill current demand for services from around the nation.

Bitwise views the purchase, its third this year following two others in unrelated industries outside of California, as evidence of its local commitment and, perhaps, a destination for the paid apprentices it teaches in Bakersfield and ten other locations throughout the country.

The announcement of the acquisition, the details of which were not published, fueled optimism that a local industry designated as promising by Kern’s B3K Prosperity economic development initiative could create good-paying employment backed by clients from beyond the county.

“I… see great development potential for Stria now that some of its expansion obstacles have been lifted by what Bitwise can bring to the table,” said Chris McGlasson, CEO of Bakersfield-based LANPRO Systems Inc., a managed service provider for small and medium businesses. He congratulated both businesses.

Stria helps other firms optimize their services by adding optical character recognition software that makes business papers completely searchable. It processes papers and other information for customers in Hawaii and the East Coast. It also collaborates with DocuSign to deliver automated services such as the virtual signature product from the San Francisco-based startup.

Stria has been on Inc. magazine’s 5000 list of the country’s fastest-growing privately held firms multiple times since Damian launched the company in Bakersfield in 2005. He claims that even during the epidemic, Stria has grown by double digits. Damian said that he created the firm using a government loan, which he has since paid off, and no outside funding until now.

He believes the deal would help Stria recruit top personnel. He said that 95% of Stria workers are from Bakersfield.

“Really, this purchase by Bitwise will enable us to satisfy market demand in a manner that allows individuals to develop sustainable, well-paying professions,” Damian said.

He also said that the company’s headquarters would remain on Mars Court, near Meadows Field Airport, while certain engineers will work at the Bitwise facility, which will provide required space for downtown development.

Bitwise has expanded fast in recent years, powered by significant outside investment, with aspirations to emulate its success in downtown Fresno, where its computer training operations have generated a coworking operation and spun off a succession of digital firms.

Bitwise has secured governmental workforce development contracts in Bakersfield, established a three-building training and office complex at 18th and H streets, and created a startup accelerator.

Natasha Felkins, Bitwise’s vice president in Bakersfield, said she sees potential in strengthening the local technology industry, especially given B3emphasis K’s on business services.

“I genuinely envision the tech business being one of the funnels for development (in) employment in Kern County in the next five years,” she added.

Advanced Data Storage President Michael Hansen described Bitwise’s purchase as “excellent news” and an acknowledgment of Kern County’s future potential.

“Advanced Data Storage and Stria have been working on projects together for over ten years,” Hansen said. “We look forward to continuing to collaborate with the Stria/Bitwise team on future initiatives and feel that any growth is beneficial to our industry.”

“Stria has an established revenue-generating mechanism and an outstanding culture, which should further strengthen Bitwise’s possibilities,” he said.

Originally published at Bakersfield News HQ.

[datascraping001]

G2 Product Information Extraction

Unlocking Insights with G2 Product Information Extraction by DataScrapingServices.com. In today's highly competitive business environment, staying ahead of the curve requires accurate and real-time information. G2 is a leading platform that houses thousands of product reviews, ratings, and essential insights from users about various software and services. To leverage this wealth of information effectively, G2 Product Information Extraction by DataScrapingServices.com is an indispensable tool. Our service helps you gather valuable data from G2, enabling businesses to stay informed and competitive by analyzing trends, customer sentiments, and market dynamics.

List of Data Fields

Our G2 Product Information Extraction service captures a wide array of valuable data fields, including:

- Product Name: Names of the software or services listed on G2.

- Company Details: Basic information about the company that owns the product.

- Product Features: Key features and capabilities of each product.

- User Reviews and Ratings: In-depth customer reviews and overall ratings for each product.

- Pricing Information: Available pricing models and package details.

- Competitor Analysis: Comparative information on similar products in the market.

- Industry Category: Classification of the product based on industry or niche.

This comprehensive extraction of product data can be used to drive business strategies and improve marketing effectiveness.

Benefits of G2 Product Information Extraction

There are multiple benefits to utilizing G2 Product Information Extraction for your business:

1. Competitive Analysis: Our extraction service provides a detailed view of competitor offerings, helping you benchmark your product against others. This allows you to make informed decisions to improve your offerings and capture a larger market share.

2. Customer Sentiment Insights: The reviews and ratings we extract give you a deeper understanding of customer sentiments—what they love, and what can be improved in the product. This feedback can fuel product development strategies.

3. Informed Marketing Strategies: Understanding the features and pricing of competitor products lets you fine-tune your own marketing campaigns, ensuring you're hitting the right messaging points and price comparisons.

4. Real-time Data for Decision Making: Since G2 is constantly updated, having access to real-time data helps you stay on top of market trends, customer needs, and emerging competitors.

Best eCommerce Data Scraping Services Provider

PriceGrabber Product Pricing Scraping

Asda UK Product Details Scraping

Amazon Product Price Scraping

Online Fashion Store Data Extraction

Amazon.ca Product Information Scraping

Retail Website Data Scraping Services

Tesco Product Details Scraping

Homedepot Product Listing Scraping

Marks & Spencer Product Details Scraping

Extracting Product Information from Kogan

Best G2 Product Information Extraction Services  in USA:

Fresno, Orlando, Sacramento, Oklahoma City, Colorado, San Francisco, Fort Worth, Louisville, Seattle, Columbus, Milwaukee, Raleigh, San Francisco, Washington, Las Vegas, Denver, Nashville, Bakersfield, Mesa, Indianapolis, Jacksonville, Albuquerque, Colorado, Houston, Sacramento, New Orleans, Kansas City, San Diego, Omaha, El Paso, Atlanta, Memphis, Dallas, San Antonio, Long Beach, Fresno, Austin, Philadelphia, Orlando, Long Beach, Wichita, Boston, Virginia Beach, Tulsa, San Jose, Chicago, Charlotte, Tucson and New York.

Conclusion

In the fast-paced world of technology and business, having access to accurate, timely, and relevant data is crucial. G2 Product Information Extraction by DataScrapingServices.com enables businesses to harness the power of G2's vast data for improved product positioning, competitive analysis, and customer insights. Contact us today to learn how we can help you stay ahead with our data extraction services.

Website: Datascrapingservices.com

Email: info@datascrapingservices.com

[sksanaya92]

Genuine value of doing all your personal bookkeeping

The appeal of doing your very own accounting services in memphis is perhaps obvious: now not having to pay a person else to do it for you. But, one essential component to recollect when identifying whether or not to do it yourself is the quantity of time it will put off from different obligations which might be essential to running your business.  Bookkeeping may be a time-consuming procedure. It is constantly on-going - and enough time is needed to tune and report all your transactions and economic records. It’s essential to think about whether the time spent bookkeeping could be higher used for developing and gaining traction in competitive markets, advertising, or product development, all of which require precious time.

What would possibly you lose when bringing your bookkeeping in-house?

While you likely aren’t dropping cash immediately from your financial institution account while you make a decision to do your personal bookkeeping, you are dropping time. If your accounting services in fresno is one that you started out and feature constructed up yourself, it’s also probably that you are not an expert in accounting or record preserving. This approach that you'll both need to burn up time and assets gaining knowledge of accounting talents (remember that most accountants have a university degree), or you can danger making high-priced bookkeeping errors.

There are many troubles and headaches that you can doubtlessly run into even as managing your personal bookkeeping. Some of the biggest of those encompass:

●      Miscalculations and easy mistakes

●      Staying on top of paperwork and submitting

●      Preparing for taxes and finishing the ideal bureaucracy and documents

●      Managing payroll for yourself and employees

●      Staying updated on new rules, regulations, and rules

●      Being privy to and remembering critical filing dates

Reach out to specialists?

Whether you have already long past through those headaches, otherwise you’re trying to put them in the beyond, you possibly have come to the conclusion that it is a great concept to discover an exceptional method to bookkeeping rather than adding it onto the long list of obligations you've got as an bookkeeping services in memphis owner. There are two essential options for handing off your bookkeeping:

1.     Hiring a bookkeeper as an worker (“in-house”); or

2.     Outsourcing it to a company or individuals.

Hiring an in-house bookkeeper as a full-time worker can be a totally luxurious technique. For a small business, this can be largely out of price range and price more than you had planned for.

Alternatively, outsourcing bookkeeping is usually an affordable choice for bookkeeping and a dependable one at that. Using bookkeepers’ expert services to your business permits you to access years’ well worth of revel in and learning to care for a number of the most crucial parts of your business. The services can range however you can anticipate all of your transactions to be tracked successfully and a ordinary reconciliation of your books.

Kayabooks - Online Accounting Solution

While there are many options available for outsourcing your bookkeeping, kayabooks has advanced a one of a type solution that consists of our on line software program. This permits you to connect your money owed, even as we reconcile your books, securely and quietly inside the heritage. This permits for simple payroll management, the monitoring of all your fees, and even tax record education. Not to say, when you sign on for kayabooks , you get a devoted bookkeeper and supervisor, and CPA who're in your group and are available to speak to you while you want to. We do all this so you can focus on what sincerely matters: the day-to-day of your bookkeeping services in fresno . Doing your personal bookkeeping can be a big time dedication, so let us take it off your arms. Visit our website today to look how we permit you to get returned to your enterprise!

[fresnobizz]

FresnoBizz is a software development company serving Fresno, California. We help small businesses build custom designed web, mobile and software solutions, producing the right results and with maximum value.

[ericvick]

Servicing, Appraisal, eClose Products; Agency, USDA, Investor, Lender Changes Aren't Stopping

Servicing, Appraisal, eClose Products; Agency, USDA, Investor, Lender Changes Aren’t Stopping

As the market looks at this morning’s Federal Reserve huge aid package announcement, while in captivity/quarantivity, testing yourself is important. Someone told me this week, “Hey, we’re trying to stay alive, not sober and skinny! I’m well on my way to putting on my ‘quarantine 15’ or my ‘Covid 19.’” I never realized how much I’d miss going into a restaurant, sitting down, looking at a menu, and ordering. And there were other people in the room doing the same thing! Enjoy every sandwich. Speaking of ingredients, regrettably, wet markets (selling live animals) are very present in New York City as this two-minute video shows. (Warning: you will veer toward becoming a vegetarian after watching this.) So as not to end paragraph on this bitter note: “Quarantine Day 28: Went to this restaurant called THE KITCHEN. You have to gather all the ingredients and make your own meal. I have no clue how this place is still in business.” And how ‘bout Steph Curry calling an ICU?

Lender Services and Products

During this unprecedented time with the COVID-19 pandemic, Parkside Lending hopes that you and your families are staying safe and healthy.  We would also like to thank all those who are tirelessly working to keep our communities safe and functioning.  To show our gratitude, Parkside Lending is rolling out a “COVID-19 Community Heroes Special” for all Fannie Mae Loans where Parkside will waive fees paid to Parkside as well as providing a 45-day lock for the price of a 30-day lock. To all the Medical Workers, Police, Firefighters, Teachers, First Responders, Grocery Employees, Service Station Attendants, Package Distribution Employees, and many more qualifying professionals that are going to work every day, on the front lines, to provide essential services, we thank you! For more Details about Parkside Lending’s COVID-19 Community Heroes Special, and to obtain a list of the qualifying professions, please contact your Parkside Lending AE.

Anyone looking to cut expenses right now, should look at OptiFunder. Its patented optimization engine has proven to cut the cost of warehouse funding by 10%. Contact Brian Abbott for more information.

Become the most valued option around. Now, potentially more than ever, borrowers are looking for the perfect loan. As an independent mortgage broker, you have endless options to match their situation and needs. You also possess industry-leading technology that speeds up every part of the process and puts it all online, which leads to happier clients and real estate partners. To learn more about all that working in wholesale lending has to offer, visit BeAMortgageBroker.com.

“Finance of America Mortgage realizes that now may be a confusing time for many borrowers who are approaching their loan’s closing date. Rest assured, we are taking every precaution to help keep our borrowers, their families, and our team members safe and healthy while maintaining the same level of excellence you’ve come to expect from us. That is why we are excited to announce the eClose process from Finance of America Mortgage. eClose is a digital client experience for closing on your purchase or refinance. This new closing process will help ensure the safety of both the borrowers and their closing agent. eClose allows borrowers to review and sign virtually all of their closing documents from the safety of their homes. Join Finance of America Mortgage today and save your clients time, paper, and energy with eClose.”

COVID-19 concerns are developing rapidly and becoming increasingly critical. Consequently, many credit unions and banks are becoming limited when ordering appraisals and valuations because appraisers want to stay safe through social distancing. Your origination pipelines do not need to slow down or become blocked! Verisite keeps loan pipelines moving and reduces appraisal cancellations because its mobile nature promotes social distancing, so appraisers stay safe. The Verisite mobile app allows homeowners to take interior property photos themselves, then securely transfer interior photos and descriptions to appraisers for their reports. Verisite has been used by lenders for years, reduces fraud by validating the photo location, and has processed and completed thousands of interior and exterior inspections.  

Schedule a demo with Credit Information Systems (800) 782-9094. Call or click here today.

SRP’s recently hit zero, but current MSRs do have economic value. Utilizing a smart asset allocation and retaining the right MSR’s creates income diversification and reduces risk as a lender. IMA, a full-service mortgage advisory firm, and PollyEx Inc., a leading provider of capital markets software, have partnered to create an integrated solution for agency sellers to analyze and determine the best execution across retained, released, co-issue and aggregator delivery at the loan level. Utilizing their Cash Flow Management tool, IMA builds lenders a custom portfolio model while forecasting cash needs and minimizing credit and liquidity risk. PollyEx’s platform uses real-time data, API’s and pricing sheets from whole loan and servicing buyers and combines that with IMA’s servicing models to provide a real-time value for both the loan and SRP, giving lenders the best execution visibility across all delivery methods. Contact PollyEx or IMA to learn more about this powerful solution. 

The Coronavirus Changing our Industry

Navigating investor and regulatory requirements is challenging at the best of times — let alone now, with things changing on an almost-weekly basis in response to the pandemic. If you’ve been white knuckling your way through the crisis, don’t miss today’s pandemic compliance webinar featuring expert guidance from Johnston Thomas law firm’s James Brody. Curated by LBA Ware CEO Lori Brewer, “Keep Calm, Keep Compliant: Regulatory Resilience During a Pandemic” will cover Payroll Protection legislation, long-term sick leave, EPDs, EPOs, forbearances, LO comp, consumer privacy and data security best practices and more. Register here ahead of the 1:30 pm ET (10:30 am PT) start time.

In news that could relate to Wells Fargo Funding’s (correspondent) re-thinking its decision to exit jumbo lending, the Federal Reserve is temporarily “letting Wells Fargo out of the penalty box, freeing the troubled bank to aggressively lend to small businesses struggling to survive the coronavirus crisis.”

 We await that news although Fannie has said that a loan entering early payment default status will not result in an automatic repurchase request. See Q68. Not exactly the same question the industry is asking, but this is what they’ve provided.

Speaking of which, Freddie and Fannie released their latest guidance that the industry is perusing. Don’t forget that there are loan lookup tools to determine if Fannie Mae or Freddie Mac are the current investor of the existing mortgage: Fannie Mae Loan Lookup tool or the Freddie Mac Loan Look-Up tool. Rumors have the FHFA releasing additional guidance on loans in forbearance by weekend. Perhaps they’ll waive all EPD tenants on loans in forbearance in certain circumstances, and also allow closed loans from a certain date onward that subsequently went into forbearance after closing to still be saleable until a certain date?

In a TMC survey taken this week a significant impact would be felt by respondents if mortgage servicers are not given access to a liquidity facility to help them advance unmade monthly P&I payments to mortgage bond holders. A significant impact (some said “catastrophic”) would also be felt if investors failed to purchase (or demanding repurchase on) loans closed properly that went into forbearance post-closing.

loanDepot’s Anthony Hsieh will be a featured guest on Fox Business News’ Neil Cavuto: Coast to Coast sometime between 9:00-9:30am PT today.

USDA Rural Development has taken a number of immediate actions to help rural residents, businesses and communities affected by the COVID-19 outbreak.

Caliber addressed Government Appraisal Guidance. “Effective immediately… Caliber is aligning with Appraisal guidance based on recent FHA Mortgagee Letter 2020-05, VA Circular 26-20-11, and USDA Stakeholder Announcement dated March 27 announcements.

BB&T Correspondent (Truist?) let everyone know that beginning yesterday it will temporarily suspend BB&T’s jumbo/non-conforming loan program. “We will honor all loans locked prior. Relocks will not be permitted; however, extensions will continue to be allowed. At this time, the guidelines, SRP schedules and rate sheets will still reference this program, as we do see this as a temporary measure.”

Equifax notified clients that the IRS Service Center in Kansas City will not re-open April 9th as anticipated, nor has an expected re-open date been set. The closure of the Fresno, CA facility combined with Kansas City closure is expected to result in processing-returns delays of at least two weeks. Equifax will “continue to receive, process and hold 4506T orders as they are received.  Our intent is to release the orders in sequence, in coordination with the IRS as they re-open and begin to process again.”

In Pennsylvania there is new guidance for appraisers, notaries, title companies and home inspectors for transactions started prior to March 6, 2020.

Associated Bank TPO sent out 8 pages of small print detailing its set of changes to Associated’s portfolio guidelines and pricing. “Guideline changes are effective with applications registered in ELC and pricing changes are effective with new locks on or after Good Friday. (For full details, look at the actual announcement.) Portfolio Guideline Changes: Minimum credit score = 720. Maximum Loan-to-Value = 90% (see matrix for updated MI coverage requirements).  Maximum Debt-to-Income ratio = 43%. No longer offering cash-out refinances (any LTV). No longer offering the use of asset-based income (f/k/a asset depletion). No longer offering 5-year ARMs. With the exception of new construction, all applications utilizing pre-April 10 guidelines must close by June 1, 2020.

“Portfolio Pricing Changes: Maximum premium paid on portfolio = 102.00. No longer offering the 75-bps purchase pricing special on portfolio. LPMI and BPMI Single Pay options will no longer be available on Wholesale loans. Your lock status does not affect your ability to utilize pre-April 10 credit parameters. Pricing changes are independent of credit guideline changes. The aforementioned changes do not impact our portfolio CARE program.”

CIT? “Effective immediately we are suspending the requirement for tax transcripts. CIT continues to require the signed 4506-T at loan closing as reflected in the Seller Guides… verbal verification of employment confirming the borrower’s employment state is required for all borrowers whose income is used for qualification purposes. The VVOE is to be completed within 10 business days of the Note date (or funding date for escrow states) for wage income… we accept lender’s policies of title insurance written on the 2006 ALTA loan title insurance form or a local equivalent. Covered Risk 14 in the 2006 ALTA form includes ‘gap coverage’ for matters arising between the loan closing date and the mortgage recording date. We will accept this if there is no exception for this coverage under Schedule B of the policy.”

NewRez sent out 2020-044 with a multitude of guideline changes and requirements that “may be applied to existing loans in process but must be applied to loans with application dates on or after April 14, 2020 through May 17, 2020. Income and asset documentation must be 60 days old as of the Note date for all loans (existing and new construction): If an asset account is reported on a quarterly basis, the lender must obtain the most recently issued quarterly statement. No changes have been made to the age of documentation requirements for military income documented using a Leave and Earnings Statement, Social Security, retirement income, long-term disability, mortgage credit certificates, public assistance, foster care, or royalty payments. Refer to the agencies’ guidelines for full details.

“Information in third-party employment verification vendor’s database, when using for income and employment documentation, must be no more than 60 days old as of the note date (for VVOE guidance, refer to NewRez Announcement 2020-026). Due to the federal income tax filing extension granted through July 15, 2020, the following documentation is not required: Copy of the IRS Form 4868 (Application for Automatic Extension of Time to File U.S. Individual Tax Return), and IRS Form 4506-T (Request for Transcript of Tax Return) transcript confirming “No Transcript Available” for the 2019 tax year.

NewRez also addressed verification of self-employment… verification that the borrower’s business remains operational must be done within 10 days of the Note date. Included: evidence of current work (executed contracts or signed invoices that indicate the business is operating on the day the lender verifies self-employment); evidence of current business receipts within 10 days of the note date (payment for services performed); lender certification the business is open and operating (lender confirmed through a phone call or other means); or business website demonstrating activity supporting current business operations (timely appointments for estimates or service can be scheduled).

Capital Markets

Our markets trade off of health news. Globally the COVID-19 cases are now at 1.4 million people infected and 82,000 deaths. The U.S. has 400,000 cases and 13,000 deaths; Manhattan now has more people testing positive than any country. (In the U.S., the annual flu season results in about 35 million being sick and 30,000 deaths – think of those numbers hitting our emergency rooms!)

Good news: Denmark, Norway and Austria are now looking at easing some of its lockdown restrictions in the coming days as Wuhan, China, where the coronavirus originated, is no longer on lockdown. As volatility in markets has declined this week, the street seems to be looking towards the proverbial light at the end of the tunnel when it comes to the coronavirus pandemic. Those positive coronavirus headlines included Dr. Fauci saying numbers of projected U.S. deaths are going to be downgraded following latest modeling, and that the outbreak should begin to turn around after this “bad week.”

Not that they are linked to MBS prices as much as they were, but U.S. Treasuries pulled back again, as they have each day this week, including the 10-year yield closing the day +3 bps to 0.76 percent. For those that believe a yield curve-flattening signals “recession,” a steepening took place yesterday against that backdrop of optimistic coronavirus headlines, as well as a well-received $17 billion 30-year bond reopening, a broad-based rally in the stock market, and the release of FOMC Minutes from the emergency March 15 meeting that revealed a willingness on the part of Fed members to keep rates low and to provide accommodative policy support for an extended period.

Today’s economic calendar received another eye-popping jobless claims report (6.6 million, huge but not a record), though these record-setting figures will be the norm for the foreseeable future, unfortunately. We’ve also seen PPI for March, in at (-.2 percent, +.2 percent core). Later this morning brings Wholesale Inventories for February and preliminary April Michigan sentiment. After yesterday’s release of the Fed minutes from its emergency meeting last month, we have Fed Chair Powell’s economic update. The early settlement close at 1:00pm ET will be followed by the cash close an hour later before Good Friday tomorrow, but Fed speak continues with San Francisco’s Daly this evening. Despite the early close, the Desk will still purchase up to $25 billion in MBS as they have done every day this week, but over four FedTrade MBS purchase operations instead of the usual six. We begin today with Agency MBS prices better by .125 and the 10-year yielding .74 percent.

  Employment and Business Opportunity

Last month, Thrive Mortgage announced the addition of Marla Guillaume as the new head of Thrive’s Multi-Channel Origination Division. Since then, Guillaume has added powerful industry veterans to her team to lead the company’s growth in the eastern U.S. Kyle Brady, the Kentucky Region’s newest Branch Manager, is joined by Chris Hampton, David Gnadinger, Mark Smith, and Chris Palmer, all of whom bring vast years of experience. In addition, Thrive’s Operations Department has added to its all-star team with veteran Underwriters Steve Hamm, Lorne Snyder, Ginger Hamm, and Heather Brunetti. “The growth opportunities for Thrive in Kentucky and much of the eastern U.S. could not be more exciting,” stated Guillaume. “I’m thrilled to add such an experienced team of professionals to be a part of the Thrive Culture.” For more information about available opportunities in your market area, write to Chris Karageorge or visit Thrive Mortgage. 

As we are all adjusting to life and work in a completely new and unprecedented environment, AmeriHome continues to adapt and thrive. AmeriHome has taken actions to protect its employees, clients, and communities, as well as to ensure business continuity. The vast majority of AmeriHome’s staff has moved to secure, remote workstations, and despite these adjustments, AmeriHome has maintained its productivity and service levels. The expert executive team is monitoring the critical issues that have an impact on their own practices as well as providing relevant information for AmeriHome’s clients and partners. AmeriHome’s leaders participate in committees with all of the agencies and are represented on the Residential Board of Governors of the MBA, ensuring they have the most up to date information. They are committed to being there for their clients and partners, and to continuing to deliver the top-tier service AmeriHome is known for. To receive all of its latest updates follow the AmeriHome Correspondent LinkedIn page. AmeriHome is also looking to fill some critical roles, so please be sure to check out the careers section on its website.  

Guaranteed Rate is seeking acquisition opportunities with mortgage companies looking to maximize profitability. Guaranteed Rate, the 3rd largest retail lender in the country, experienced record growth in 2019, creating a great opportunity to partner with likeminded leaders looking to take advantage of our expertise and economies of scale. If you are an owner or CEO of a mortgage company that is looking for better pricing, increased profitability, lower risk and much less stress and hassle, we urge you to e-mail Mark Filler or call him at (773) 516-6979 to learn more about integrating your business into our platform. 

“As the mortgage market is buffeted by growing volatility caused by the coronavirus pandemic, we understand that lenders and servicers need strategic support to successfully weather the storm. Whether it’s taking over your day-to-day mortgage production operations on an interim or full-time basis, or helping absorb and/or temporarily relocate employees to new assignments, we act as your strategic partner, preserving your business and your employees during these challenging times and helping you meet strategic business objectives both over the short and the long term. Contact Anjelica Nixt to learn more.”

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Professional Accounting Services

Professional accounting services might also sound like a technical term directly out of a textbook, but it is in fact something that every growing enterprise can use successfully and extra importantly, profitably.

Profitability is of exquisite significance to any accounting services in fresno . However, income earned does not routinely identical profitability for the business. Why? Because income earned ought to pass into first paying the bills that gas the commercial enterprise within the first region. Accounting necessities, which include coins, go with the flow, determine how profitable a commercial enterprise is. If so, how do you get to make an enterprise profitable? Good accounting and diligent bookkeeping can put your business at the track to profitability.

An expert issuer of bookkeeping services in memphis can help your enterprise obtain this.

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When you pick to outsource to experts, you get solutions from professionals committed to presenting reliable offerings. Because of this, as soon as hired, they take over accounting, which include bookkeeping basics so that no transaction is going disregarded. Every sale and invoice is recorded and your accounting books, at any given time, could be updated.

One of the essential benefits right here is that you may now not want to keep reviewing what they do. You can agree with them to do a thorough process. Keep in thoughts that even in case you’re a bookkeeping services in fresno expert yourself with years of accounting enjoy, your primary role is that of enterprise owner. You are responsible for your enterprise’s growth as well as sustainability. Unless you permit them to take over their place of information, you’re not getting your cash’s worth.

Professional Accounting Services Get You Reliable Accounting

How often have you questioned if the numbers your enterprise balance sheet holds are accurate and dependable? If your answer is yes, you want to get experts that will help you out. Bookkeeping wishes to be completed every day to make sure you do no longer miss out on critical transactions. A expert ensures this because it's far their job to. If you are handling your own bookkeeping and accounting alongside jogging the enterprise, you may now not be safe from mistakes absolutely as you juggle between special duties, consisting of bringing in new commercial enterprise.

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Professional accounting offerings providers assist your enterprise saves on money. This is due to the fact they've their personal infrastructure and assets already installation. If you are considering an in-residence set-up, remember hiring an accountant can be costly; they’re skilled resources in any case. Managing and preserving accounting services in memphis infrastructure, together with software program, can also stretch your business’s budget. But in case you hire one, a great company should be able to execute all your commercial enterprise necessities on their own devoted infrastructure even as assuring correct accounting on your commercial enterprise. Just make certain to look around earlier than you are making a final selection on a provider company. Do no longer be in a hurry to join up an issuer; you may just get less cost on your money and a contract which binds you to their services.

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Factors like transparency at the same time as operating also remember. Features including cloud-based accounting can prove to be of huge assist if your enterprise interacts over the cloud. A cloud-based totally portal can help simplify statistics collection, both financial and operational, at the same time as supporting you with ready reports on business functions. Look around for a company who can provide you with advanced options in using cloud generation even as imparting you with transparency and ease of get right of entry to. A working association that consists of technological help cuts down on time, allowing business owners to make knowledgeable decisions without having to watch for someone to give you the relevant information, draw reviews, and so on.

So, what is Your Take On It?

As a business proprietor, have you skilled duration of activity wherein you wished you had an professional expert to help you out? Have you felt the pinch of time as you pass approximately pursuing new enterprise while maintaining an eye out for bookkeeping transactions which have neglected being recorded? Share your experiences with us. We are waiting to hear from you.