Joe Pickett has been keeping unusual hours lately. He often finds himself padding around his Australian home in the middle of the night taking urgent calls about servicing, originations, and other mortgage banking matters.

Such is the lot of a truly global mortgage banker. Although based in Melbourne, Australia, he runs HomeSide Lending, a top mortgage bank half a world away in Jacksonville. The time zone difference can be a full 16 hours, depending on the time of year.

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