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Mortgage lending is an opportunistic business and when business declines, the instinct is to consolidate to become more efficient, and that is what we are seeing.


Celia Chen

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THOMAS FLAJNIK - ANTICHIMERAPODAL To stand on the
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DANIEL MELGAçO 37. It is better to be single and unhappy than unhappily married.
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Then how would you love your...
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CRAIG GROESCHEL I would say that every person who is successful in the mortgage and title business, Mel had an influ...
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C. JOYBELL C. The larger declines were recorded in the high-priced markets that are more sensitive to mortgage rat...
LAWRENCE YUN Housing is as strong as ever, and the mortgage business is as good as ever.
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Please try to describe the picture as ...
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It is the glory of God not honored.
The holiness of God not reverenced.
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JOHN PIPER Love is insanity, apparently.
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HENRY HAZLITT

More Celia Chen

There is a strong push among immigrants to purchase homes. About a decade ago, this country had a su...
CELIA CHEN It is very evident that the steam is coming out of the housing market even though rates moved down.
CELIA CHEN In order to purchase a home, a lot of people have to resort to risky mortgages.
CELIA CHEN People who spent money on travel and luxury goods are spending more money entertaining themselves at...
CELIA CHEN During the holiday-shortened week, the MBA may have overcompensated its seasonal adjustment of the d...
CELIA CHEN It's pretty clear that housing is slowing. Rising mortgage rates and the very fast rising homes pric...
CELIA CHEN Even if interest rates weren't rising, home prices are very high relative to income. So, people are ...
CELIA CHEN With job loss and credit quality as it is, you would think demand for housing would be more depresse...
CELIA CHEN I think we'll continue to see weaker housing starts, but the slowing will be more modest than the 8%...
CELIA CHEN I do not think this is indicative of housing being strong, but rather that fact that people are expe...
CELIA CHEN We see a slowing in home-price appreciation. But some markets could see a significant decline.
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Is it fair go...
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CELIA HAMMOND They're addicted to campaign money. And the lobbyists are the people who provide it for them.
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CELIA WEXLER One of the reasons people don't have access to broadband is they can't afford it. Or big companies t...
CELIA WEXLER Is it a little troubling? Yeah, just because his words do carry such enormous weight. I can't imagin...
CELIA WEXLER This slate is not going to be the new broom to sweep clean. There's no indication that Boehner and B...
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CELIA HAGERT If I ever married, I know I would dread the daily sound of the key in the door and the casual expect...
CELIA IMRIE I've made great friends through acting. When I'm with Victoria Wood and Julie Walters, we ha...
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CELIA BILLS No sadder sound salutes you than the clear, wild laughter of the loon
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CELIA GREEN Maybe I don't know him as well as I thought. Maybe I didn't know myself. Maybe my world is turning u...
CELIA MCMAHON In terms of the rail, and the infrastructure bonds, there's a whole bunch of different funding pots ...
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CELIA PETTY That's why the transportation funding strategy, toll road and development fees are designed to put u...
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CELIA ABOLNIK The thing about members of your family is that if you met them for the first time at a party, you mi...
CELIA IMRIE While other girls swooned over The Beatles and the Rolling Stones, I worshipped Rudolf Nureyev and I...
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CELIA RIVENBARK I really loathe [the bumper sticker] 'Proud Parent of a Terrific Kid!'

Why not a bumper s...
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CELIA HAMMOND Some people love Sundays; I don't, particularly. I used to rather dread them when I was younger....
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CELIA HAMMOND A lot of friends have given up on me.
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CELIA HAMMOND People buy a cat and think, 'Oh that's a beautiful collar. I'll put that on,' but th...
CELIA HAMMOND Mummy always wanted the five children, and she knew she couldn't look after them all because she...
CELIA IMRIE I'm a bit of a fraud, really, as I didn't study acting at a drama school.
CELIA IMRIE I know if I had the chance of going aboard the Titanic in those days, I would have gone - I know I w...
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CELIA JOHNSON I'd have liked to have leant against walls in thrillers.
CELIA JOHNSON I won't write my autobiography because I never had an affair with Frank Sinatra, and if I had ha...
CELIA JOHNSON Sophie and I would use her Christmas break to make homemade treats from our very own kitchen. I mean...
CELIA RIVENBARK Pecans are not cheap, my hons. In fact, in the South, the street value of shelled pecans just before...
CELIA RIVENBARK Never invite someone who is speaking a foreign language in your presence to "Go back to your country...
CELIA RIVENBARK YouTube is a platform, a distribution vehicle.
STEVE CHEN There's a waterfall of content that you're missing out on.
STEVE CHEN All teenagers have this desire to somehow run away.
JOAN CHEN Build a lifestyle around your brand, and the audience will follow.
EVA CHEN I want to extend my gratitude and thankfulness to all those who care and love my family and myself, ...
CHEN GUANGCHENG I love classical music and have been playing violin since I was seven. Music helps me to express fee...
JANE CHEN I want to tell mayors, county chiefs and heads of big companies: don't just chase GDP growth; do...
CHEN GUANGBIAO Acting for me is not a bad habit like smoking that I must make an effort to quit. I love acting; I l...
JOAN CHEN Then you shouldn’t be worried about him being with me. You can have him back when I’m done with ...
COLLEEN CHEN Nim looked aghast. “Of course not. Do you think my future wife would be a servant? No—it’s Num...
COLLEEN CHEN To him, she was one of the few girls who was nice to him, the stodgy son of a poor alcoholic shoemak...
COLLEEN CHEN Oh,” she breathed. “How silly I’ve been.”
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COLLEEN CHEN Getting lost is just another way of saying 'going exploring.
JUSTINA CHEN I know he's a little frustrated, but I can't imagine starting the season without Miguel Tejada. He's...
BRUCE CHEN It's not a big holiday for Asians.
BRUCE CHEN I did want to go out there for the ninth inning. I had good stuff and I felt like I could have done ...
BRUCE CHEN I was very confident with my fastball. I felt if I walked him I'm out of the game.
BRUCE CHEN I thought I had good command of all my pitches. I thought I changed speeds really well, and [catcher...
BRUCE CHEN I want to win, and my teammates, they play hard. We're trying our best. We're bunting the ball. We'r...
BRUCE CHEN I got wild, walked a couple of guys and hit a guy and they only got three runs, ... When we scored f...
BRUCE CHEN This is one of the best games I've ever felt and pitched. I just felt like I was on.
BRUCE CHEN [Chen allowed two hits in eight innings and Chris Ray pitched a perfect ninth Wednesday night in the...
BRUCE CHEN I felt like I made one mistake and paid for it.
BRUCE CHEN Beauty is the lowest common denominator: I don't care what they say - every girl, every woman, w...
EVA CHEN It is impossible to effectively monitor the huge volume of videos that are out there. It is often di...
STEVE CHEN The pressure of his touch through my jacket and my sweater was more assurance than any promise ever ...
JUSTINA CHEN There are a lot of stereotypes to be broken which I think a lot of us are doing. What I do is, as so...
JOAN CHEN After I started getting criticism for doing 'Big Brother,' someone told me that Hugh Downs u...
JULIE CHEN Living together as brothers does not mean we don't argue with each other. It does mean we love each ...
JONATHAN CHEN My younger brother runs a guesthouse, and my sister is a janitor. I have not given them money becaus...
CHEN GUANGBIAO My fairy-tale life ended the moment I wanted to apply for a passport.
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EVA CHEN The two patients who received cornea transplant operations have regained their sight and left hospit...
CHEN ZHONGHUA The mental and physical reactions to what are perceived as labor and leisure are distinctively diffe...
JONATHAN CHEN YouTube is a free service that is extremely easy to use. There are no downloads, and hundreds of aud...
STEVE CHEN A good attitude is really important. And a sense of optimism, someone who has ideas and isn't af...
EVA CHEN The Chinese foreign ministry has said more than once that I am a free person. Did I do anything wron...
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CHEN KAIZHI It is a good time for us to store fresh water to curb the salt tide.
CHEN ZHUHUANG [Although admitting the timing --on the heels of the Hiroshima anniversary -- was bad, Beijing diplo...
CHEN JIAN If art made you think, then this was Art. Staring at the ball, made of layers and layers of cloth, I...
JUSTINA CHEN What they really want (by forming joint ventures) is to get familiar with the local market, but not ...
CHEN XIAODI Engineering distortion is a coward act to hide the real intent of destroying. But it is more harmful...
JONATHAN CHEN We estimate there will be 140,000 to 150,000 weddings this year, a 40 percent rise over last year.
CHEN YU These specialized organizations serve as agents for farmers in the marketplace. They also help farme...
CHEN YINFA The romantic love we feel toward the opposite sex is probably one extra help from God to bring you t...
JOAN CHEN I know that a mother, no matter how impoverished or uneducated, will do anything to save her babies.
JANE CHEN I'm angry about stereotypes about Asians, but I'm not bitter about not getting enough roles. I do se...
JOAN CHEN I can be jailed again at any time, it is very easy. They can say I am a criminal and just lock me up...
CHEN GUANGCHENG However, we see the trend of R&D moving gradually to the mainland over these few years, depending on...
ALBERT CHEN In fact, most notebook contract makers are now posting much lower profit margins than the 5 to 6 per...
ALBERT CHEN The kind of system Kickstarter uses has been used for hundreds of years. Unlike Medici-style patrona...
PERRY CHEN Wei Jingsheng is a condemned criminal who is serving his sentence and, therefore, has no qualificati...
CHEN JIAN In this space there's a lot of fast money and it tends to be very reactionary. But patient investors...
CHRISTINE CHEN No. We are not. We have no tie-up with Volkswagen in Malaysia. What we manufacture here is basically...
DAVID CHEN The reduction is an inevitable move in reforming the growth pattern of the country's mineral exports...
CHEN HAORAN A 10 percent growth rate is inevitable, It's just like the growing process of a baby. Its necessary.
CHEN XINGDONG Majority of the time we are dealing with commonness and familiarity. The normality of these aspects ...
JONATHAN CHEN Foreign investors have more lucrative investment sectors to put their money into, but the futures ma...
CHEN XIAODI Cultivation to the mind is an enduring course. In addition to the willingness to carry out, the sele...
JONATHAN CHEN There were signs many institutional investors sold off their tech stocks given uncertainty about the...
MORRIS CHEN My advice for young people is, study what you love and intern in what you want to do. And I think it...
EVA CHEN Ignorance is not due to lack of education. Ignorance is a state of mind that refuses the temptation ...
JONATHAN CHEN The luxury customer is still out there. Going into 2006 the luxury customer will continue to shop if...
CHRISTINE CHEN If you know how to do a job very well, you keep doing it.
JOAN CHEN I am not the best girlfriend or lawyer or the reporter. I am the drama-queen type. You know. So it i...
JOAN CHEN Recognizing each of us is an integral part of nature, one would never feel lonely. There is no momen...
JONATHAN CHEN Domestic futures industry's enthusiasm for branching out in Hong Kong is obviously strong.
CHEN XIAODI China stands for the complete prohibition and thorough destruction of nuclear weapons.
CHEN JIAN Things had just happened to me, good things and bad things, and I took them.
JOAN CHEN