Phil Grossfield's Blog

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Monthly Archives: June 2016

Culture Shift Comes With Success

ethos logo verticalCulture Shift Comes With Success.  Ethos is having great success. We’ve hit record numbers which allowed us to increase our staff. We have more underwriters, doc drawers, etc. This has allowed us to reduce the number of loans underwritten per Underwriter each day, and open them up to better communication with LOs and Processors.  In fact, because of our success, Underwriters are now making outbound phone calls to Processors after they have uploaded all but 2 to satisfy conditions. Underwriters are also calling out after the second round of uploads has been completed. This has proven to get more loans CTC faster.  Last, Underwriters will call you upon request via ASK-E, our IM system for direct access to the Underwriters.

In addition, I now have a new more experienced underwriting team all located in the same office with your Broker Advocate. And, our Underwriting Lead is one of the best ever. This is proving to make things much more efficient.  With all the success Ethos has had, and all of the success I have personally had, these changes are exciting to get us to the next level. A level of service that exceeds the industry standard while maintaining our hyper-aggressive pricing strategy. Let’s go!

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Dad, What Is Memorial Day?

memorial dayDad, What Is Memorial Day? It’s important to me my kids understand what it is. But war is a concept my 11-year old and 8-year old just don’t quite get, yet, unless it’s within the context of Minecraft. So, I did my best. And then the questions came pouring in.

Dad, why is there war? Why do people want to kill each other? Why would anyone want to be a soldier if they’re going to die? Will Uncle Mike (NAVY) have to go to war again? Will I have to go to war? Why did those people crash into those buildings in New York…is that why we have Memorial Day? Why would someone kill himself to kill others…that doesn’t make any sense?

Part of me is glad they don’t understand it. But the other part realizes they must. So, because of the questions I showed them footage of 911…the planes crashing…people jumping, etc.  I explained that there are people in this world that want to destroy what we have. I explained there are people in this world that want to destroy anyone who isn’t just like them. I even explained there are people in this world that want to kill our family because we are Jewish. I explained there are people in this world that fear what they do not understand, and rather than learn about each other, their fear consumes them and baseless hatred results.

The purpose of Memorial Day is to pay tribute to those Americans that paid the ultimate price to protect us from these hateful people. And it is also a day to thank those currently serving, like Uncle Mike, for continuing to protect us. It was a heavy talk but I think they have a better understanding. And the questions kept pouring in all day and into the evening… 

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