Resolute bank

It’s been a hard year for the reverse mortgage industry, and like other lenders in the space, Resolute Bank has used the down market to rethink its business strategy.In the wake of program changes that took effect on Oct. 2nd of last year, the reverse team at Resolute took a good look at its business structure and decided it was time to return to grassroots.A federally chartered bank, Ohio-based Resolute can originate both traditional and reverse mortgage loans in all 50 states.Coming in at No. 19 on the most recent Top 100 HECM Lenders list, Resolute has done a steady reverse mortgage business in recent years, with its volume scattered but focused mostly in California, Florida, Arizona, Nevada, New York and the Carolinas.John Metcalf, Resolute’s HECM business development manager, said the changes forced the company to tighten its team and reconsider its marketing.“Our first focus post 10/2 was to look at our grassroots efforts again, focusing on the local communities,” Metcalf said. “When you’re at a federally chartered bank, as you start to expand and market or buy leads in other states, you spend less time in your local community.”Metcalf said part of Resolute’s strategy is to change that tendency.“We’ve been doing a lot of training and webinars for our team to get them refocused on grassroots,” he said. “Some of our best producers are the ones who are most consistently out meeting with their banking partners, their networking partners, financial planners, etc.”“We’ve seen some loan officers continue to be very successful post 10/2,” he continued. “The ones who are out there meeting with their referral partners consistently and aggressively are seeing their volume stay pretty strong.”Metcalf is adamant that building personal relationships is key to developing a strong reverse origination business in today’s climate.“Get involved with people you want

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US President Donald Trump has ordered the removal of iconic 150-year-old Resolute Desk from the Oval Office for refurbishment, just days after media reports suggested that Elon Musk's four-year-old son, Little X, may have wiped a booger on it during a White House visit. According to the New York Post and New York Daily News, the incident happened when Musk, the DOGE head, visited Trump with his son.During the visit, Musk's son was reportedly seen picking his soon and wiping it on the Resolute Desk after whispering something to Trump. According multiple media reports, Trump, known for his extreme germophobia, did not mention the incident in his social media post but explained the desk swap by saying, "A President, after the election, gets a choice of 1 in 7 desks."ALSO READ: What is HKU5-CoV-2, the new bat coronavirus in China that could trigger another Covid-19 pandemic? All details"This desk, the 'C&O,' which is also very well known and was used by President George H W Bush and others, has been temporarily installed in the White House while the Resolute Desk is being lightly refinished—a very important job. This is a beautiful, but temporary replacement!" US President added. Elon Musk's son was part of the press briefing on a new executive order pertaining to the billionaire's role as head of the Department of Government Efficiency. While introducing him, Donald Trump said, “This is X, and he's a great guy—a high IQ individual." Videos of X mimicking his billionaire dad and picking his nose had created abuzz online.ALSO READ: Trump removes iconic 145-year old resolute desk days after Elon Musk, son visited Oval Office. Here's whyHere are ten things you need to know about Resolute Desk:-The Resolute Desk is widely considered as the most iconic piece of furniture in the Oval Office. This double pedestal partners' desk, usually called the "Resolute desk", was made from the oak timbers of the British ship H.M.S. Resolute.-The Resolute Desk was a gift to President Rutherford B. Hayes from Queen Victoria in 1880 as a token of “goodwill and friendship”. -It has been used by every president since Hayes, excepting Presidents Johnson, Nixon, and Ford, 1964-1977, according to The White House Historical Association.-It was used in the President's Office on the Second Floor of the Residence from 1880 until 1902, at which time the office was moved to the newly constructed West Wing. This desk remained,

While his father was working.Gifted to former President Rutherford B. Hayes by Queen Victoria in 1880, the Resolute Desk is a double pedestal partner’s desk made from oak timbers of the British Shop HMS Resolute, according to The White House Historical Association.For many years, the desk was used on the second floor of the White House, where the presidential offices were located before the addition of the West Wing in 1902.In 1945, the Presidential Coat-of-Arms, the seal of the U.S. president, was fitted on the desk.Between 1948-1952, the desk was moved to the Broadcast Room on the White House’s ground floor and was used for a short period of time for radio and television broadcasts by former President Dwight D. Eisenhower, according to The White House Historical Association.Former President John F. Kennedy was the first president to use the Resolute Desk in the Oval Office.When former President Lyndon B. Johnson took office in 1963, he requested another desk for the Oval Office, according to The White House Historical Association. Between 1966 and 1977, the Resolute Desk was part of a traveling exhibition before it was put on display at the Smithsonian.Former President Jimmy Carter requested the return of the Resolute Desk in 1977, where it has remained since − except by George H.W Bush who used the C&O Desk.Per The White House Historical Association, before its arrival to the White House, the Resolute Desk was a part of a British arctic expedition in 1852. During the expedition, the desk was

The Resolute Desk. In response, President Trump, known for his germaphobia, ordered the desk to be temporarily removed for light refinishing. During this period, the Resolute Desk was replaced with the Chesapeake and Ohio Railway desk (C&O desk), previously used by President George H.W. Bush.There have been no credible reports or official statements suggesting that the Resolute Desk or any other furniture in the Oval Office was bugged. The removal and replacement of the desk were solely due to concerns about cleanliness following the incident with Musk’s son.It’s important to distinguish between concerns about hygiene and unfounded allegations of surveillance. In this case, the actions taken were related to maintaining the cleanliness of the Oval Office furniture and not due to any security or espionage issues.USA Today also picked up the story within the last 48 hours, running a fully informative article about the history of all 7 Presidential desks available for use by the sitting President.No mention is made of the possible listening devices either in the desk or the Oval Office.The Resolute Desk was initially a gift from Queen Victoria in 1880 to President Rutherford Hayes, according to the USA Today article:President Donald Trump has temporarily taken the 150-year-old Resolute Desk out of the Oval Office for refinishing.When President Harry S. Truman first used the desk at the White House, it was brought into the Oval Office by President John F. Kennedy and became an iconic backdrop as his son, John F. Kennedy Jr., played inside the desk

To work with and who you enjoy spending time with, because those are the people who are going to refer you the business, and it’s just a much easier sales process,” he said.It also takes competition out of the equation, Metcalf said.“Competition is fierce right now, especially dealing with our new [interest rate] floor and pricing loans, so I think having a customer come from a mutual connection and a trusted partner is a big help right now,” he said.To help its team learn who to adopt a relationship marketing strategy, Resolute has created a corporate culture that thrives on collaboration, especially with its outside sales team.“We try to focus on collaboration and communication with the team. Our sales meetings are round tables, with our loan officers talking about what’s working for them and what roadblocks they’ve hit over the last week, and how they overcame those obstacles,” he said.The bank hosts marketing masterclasses where a successful loan officer presents his or her business strategy to the team, Metcalf said.“We really saw a change in the team dynamic when we started getting people together and having them get to know each other. When you create that environment, people want to share and they want to bring what they know to the table because, ultimately, if the bank does well, we all do well. And as a team, the more successful we can be together, the more successful we can be individually.”Metcalf said the next step is to add to his team of 14 reverse-focused LOs.“We have a small, tight-knit team of originators now, and we’re ready to add to that team,” he said. “For us, recruiting is a big point right now in building our business up after 10/2. We want to find loan originators who are pigeonholed in a