Property preservation discounts have increased to 25% at one Mortgage Order Mill (MOM). The MOMs are now telling you where you must purchase your insurance and they also require that they be listed as a co-insured. No field service representative has received a pay raise or a bonus in 2018. The mortgage field inspectors will not talk about the significant problems in the industry. They love to talk only about the local weather and brag about the number of miles they put on their car each year performing $3 mortgage inspections. It’s best to avoid talking about the big problems in the Mortgage Segment. Just ignore the problems.