Welcome to the EPM Weekly!
Your source for all things EPM
Your Week at a Glance:
October 2-27 - Pumpkin Decorating Contest
October 16 - Boss’s Day
October 17 - EIQ w/Deneshia: Handling Difficult Conversations ET (via Microsoft Teams)
October 20 - The Whole Perspective podcast ft Kevin Delory & Kenny Phillips at 11:30am ET (via Facebook or YouTube Live)
UPCOMING EVENTS
October 24 - Virtual FUN Hour
Please reach out to culture@epm.net for more information or to sign up for these events!
This Week’s Birthdays
Say happy birthday on HelloTeam!
Oliver Vasquez - October 16
Teri Petre - October 16
Christopher Anders - October 17
Stephen Paiva - October 17
Heather Duarte - October 19
Joelle Jocis - October 19
Anthony Walker - October 19
Angela Delgado - October 20
Victoria Joyce - October 20
Justin Deckman - October 21
Lashonda Johnson - October 22
Ashley Payton - October 22
This Week’s Anniversaries
Say happy anniversary on HelloTeam!
Farhad Heidari - October 17
Rob Murphy - October 17
Jamie Vanacore-Decker - October 17
David Lamountain - October 18
Brian Oleary - October 18
Teri Petre - October 18
Welcome Our New Class
Say hello on HelloTeam!
Kristina Scheel, Account Executive
Shaun Thompson, Account Executive
Happy Boss’s Day
Show you care on HelloTeam!
Take time today to reach out to your boss and let them know how much you appreciate their efforts and support throughout the workday. Consider sending a heartfelt thank-you expressing your appreciation for their guidance and leadership.
To all of our leaders, we acknowledge you and express sincere gratitude for all of the laboring hours and leadership that you provide to your teams each and every day. Happy Boss’s Day!
Latest Mortgage News
As the real estate market continues to evolve and adapt, staying informed about the latest news and updates is crucial for both potential homebuyers and industry professionals.
One of the most closely watched aspects of the mortgage industry is the movement of interest rates. The Federal Reserve's decisions on monetary policy have a profound impact on mortgage rates. Recent trends have shown a slight increase in interest rates, which has led to some homebuyers reevaluating their purchase decisions. Prospective buyers are encouraged to stay updated on these changes to make informed decisions on the timing of their home purchase.
The MBA doesn’t expect the Federal Reserve to hike interest rates further this year as real rates – which are inflation-adjusted– are 2%.
MBA’s baseline forecast is for mortgage rates to end 2024 at 6.1% and reach 5.5% at the end of 2025 as Treasury rates decline and as the spread narrows.
The MBA raised expectations of a mild recession in the first half of 2024 due to the combination of the cumulative impact of the rate hikes, the banking system tightening down on all forms of credit and the slow global environment all leading to a slowdown in the US.
Source: Housing Wire & National Mortgage News
It's Pumpkin Season!
The most spook-tacular time of the year is just around the corner, and we're brewing up some excitement to celebrate it with a creative twist! It's time to dust off your artistic skills and embrace the Halloween spirit with our Pumpkin Decorating Contest happening from October 2-27, 2023 for your chance to win some pretty cool prizes.
This contest isn't just about carving pumpkins; it's about letting your imagination run wild and turning those pumpkins into mesmerizing works of art. We encourage everyone to participate, whether you're a seasoned pumpkin artist or a first-time decorator.
How to Participate:
Get your creative juices flowing
Grab a pumpkin
Decorate your pumpkin to your best abilities (Carving, Painting, etc.)
Take a picture and submit it to culture@epm.net by October 27, 2023
Voting takes place from October 30th-31st, 2023
Winners announced on November's Good Day EPM
Check out the Prizes:
1st Place: $50 Gift Card + special EPM Swag Pack
2nd Place: $25 Gift Card
3rd Place: $25 Gift Card
Get ready to carve out some unforgettable memories and pumpkin masterpieces. If you should have any questions or concerns, please don't hesitate to reach out to the team at culture@epm.net.
Best of luck!
Employee Spotlight
Audrianna Blake, Compliance Specialist
Meet Audrianna Blake, our compliance specialist here at EPM. Audrianna comes from a previous sales background and has served the mortgage industry with EOM for nearly two years. Her current role includes onboarding new brokers, renewing broker licenses, and making sure we are in compliance. Her time with EPM has been a journey and she has been able to learn a good bit in her time with us.
Furthermore, Audrianna has a precious 7-month-old Godson named Mahliq who is the closest thing to a kid that she currently has. She enjoys meditation, journaling, working out, juggling, cooking, and designing projects.
Fun Fact: Audrianna once won a trip to Dubai at a design competition when she was younger that she was unable to experience because she did not have a passport at the time.
How to Manage Notifications
Step 1:
Click on Dropdown menu next to your name in the top
right-hand corner and click My Account.
Step 2:
Select the Notification Settings tab.
Step 3:
Uncheck the box under each category for Emails to deactivate automated notifications.
***We recommend leaving news notifications active as we transition from having fewer emails to utilizing the new system.
If you should have any questions or need additional assistance, please utilize the suggestions box within HelloTeam or email us directly at culture@epm.net.
We Continue to GROW!
EPM+ Fitness: Health & Fitness Tip
Stop smoking. We’re sure you’ve heard it before, but we have to remind you. Quitting smoking can not only help you increase your fitness level but also your day-to-day health as well. We know this is a challenge, so it’s important to find resources that can support you in this process. Check out these tips from the American Lung Association.
Eddy’s Corner:
A phrase I’ve heard before is that people should always “complain up.”
So, for instance, it’s okay to complain to your boss, but not to someone on your team. The idea is that leaders shouldn’t put their problems on the shoulders of their people.
I think this is a decent enough idea most of the time. I don’t want to put pressure or stress on my team that they can’t do anything about.
At the same time, I think it’s essential for leaders to be authentic, and sometimes a little complaining can go into that.
For instance, I’ve definitely complained a little about the current market to my team. I’m not whining or trying to make them “fix” anything. I just want them to know that I share their frustrations and understand that things are hard right now.
As leaders, we need to keep things positive whenever we can. At the same time, a little negativity can help increase our authenticity and build rapport with our teams. The balance is the main thing, but don’t ever feel like you need to stifle yourself to be a “good leader.” Be honest, above everything else.
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