Options For Managing Pipeline RiskOption coverage is often overlooked as a tool to reduce risk and boost profits.
Utilizing Option Coverage To Manage Pipeline Risk
By Dean Brown
While the use of put options ultimately costs lenders more, most are finding it is worth the investment.
Year In Review
Will The Tumult Of 2013 Carry Into 2014?
By Patrick Barnard
“The Year of Regulatory Anxiety and Confusion” might be an apt slogan for 2013.
Doc-Prep Continues To Evolve
By Don Iannitti
Lenders that are still operating in a paper-based world will be hard-pressed to survive.
Options For Fighting The Rising Cost Of Valuations
By Tedd Smith
Government regulations are driving up the cost of valuations - so what can lenders do?
Common Securitization Platform One Step Closer To Reality
The FHFA has established Common Securitization Solutions, which will develop the new platform.
Origination Volume To Drop In 2014
Watt’s Confirmation Blocked In Senate
Robert Shiller Wins Nobel Prize
Ellie Mae Enhances Encompass360
Freedom Mortgage Corp.
Venturing From The QM Range
By Scott K. Stucky
Assuming the GSEs are not unraveled, private investors will need to invest in non-QM loans.
Market Oversight And Enforcement Empower The American Consumer
By Richard Cordray
The CFPB’s rules are designed to protect consumers and make the financial markets work better.
FHA Rolls The Dice With Back To Work Program
Some lenders consider the launch of the program a bold and risky move.
Reducing Risk Through Quality Control
By David Green
Proven loan-screening methods can greatly reduce potential problems with compliance, investor repurchases and fraud.
Title & Settlement
Opportunity Awaits Title Insurance And Settlement Services Industry
By Jim Potter
The CFPB rules coming in January should prompt the title insurance industry to re-examine its practices.
45% Of August Home Sales Were All-Cash
CFPB Finalizes Mortgage Rules
Wells Fargo To Lay Off 1,800 Workers
CFPB Rolls Out New Tools
Critical Considerations For Collateral Assessment
By Elizabeth Green
New regulations for the appraisal industry reduce collateral risk, but what about environmental factors?
Beyond Compliance: Mine Your Appraisal Data And Discover Gold
By Lisa Binkley
The danger of being too focused on compliance is that lenders miss opportunities with automation.
Builder Forwards Ready For A Comeback
By Dean Brown
What are the benefits of forward builder commitments for your business?
Despite Changes, Future Is Bright For Reverse Mortgage Industry
By Roger Beane
History is not likely to repeat itself in the reverse mortgage industry due to ever-changing market conditions and regulations.
Time To Enter The ATR/QM Abyss
No one knows for certain what impact the CFPB’s rules will have on the market.
MBA Bright On Housing
Cordray To Head CFPB
Caliber Closes Vericrest Merger
FNC’s New Loan Trading Platform
Some Observations About An Industry In Flux
By Michael Bates
The more things change, the more they … go back to where they have been before?
Start Planning Today To Minimize Risk, Ensure Success
By Andrew Peters
The safest path to sustained growth and adaptation to whatever the market or regulators throw at our industry next is flexibility.
Improving Lead Generation By Fixing Bad Habits
By Kelly Booth
Tight competition and tighter market conditions require a different approach to harvesting sales leads.
The Evolving Role Of The Federal Home Loan Banks
By Edward J. DeMarco
There will be increased attention on the activities of the FHLBanks and how they fit into the future structure of housing finance.
How The Settlement Is Playing Out
MBA’s Attack Plan: Private Capital
Empower Users Now Have Access
The Three-Front Gridiron Attack On Mortgage Fraud
By Ed Gerding
Origination, settlement services and servicing each have a role to play in beating back a crushing defeat in the face of fraud.
Tomorrow’s Plan For Today: Taking Warehouse Lending Paperless
By Ken Marlin
Taking tasks into an electronic environment can help maintain loan processing speeds, accelerate the turnover of a credit line and enable status and notification updates.
Some Observations For Lenders About Early-Stage Servicing
By Greg Harney
Solid early-stage servicing can lower operational costs, reduce operational and compliance risks, and improve a lender’s relationships with borrowers and investors.
The State Of Warehouse Lending: Getting Crowded And More Controlled
By Nora Caley
It was not too long ago when the industry could count the number of warehouse lenders on two hands. That has changed, but some things have not.
Back To The Beginning: Mortgage Fraud Cycle Comes Full Circle
By Ann Fulmer
There may be twists and turns, but the reality is that the schemes going on today are the same basic schemes that underwriters have been seeing for the past 30 years.
The MBA’s Wish List
Loan-Level Data To Investor Partners
BofA Settles Lawsuits
OpenClose Enhances Tech Platform
A New Day For Jumbos
By Joel Veenstra
A combination of market changes has made these XXL-sized loans very attractive again.
Credit Unions Eagerly Expand Their Mortgage Market Presence
By Phil Hall
After a record-setting 2012, credit unions are ready to snag a wider slice of the origination market.
The DL On MSRs
By Tom Farmer
Your company may want to consider retaining its mortgage servicing rights.
Secondary Marketing Trends
Off The Back Burner: GSE Reform Talk Resumes
A quartet of new proposals revives the long-dormant debate on the GSEs’ future.
Managing The Appraisal Process In An Ever-Changing Industry
By Vladimir Bien-Aime
New challenges have emerged to bedevil lenders trying to get a handle on appraisal management.
New Proposals Aimed At Affordable Housing
Database On View; Insurers Charged
Housing Demand Up Among Immigrants
New Approach To Portfolio Management
Insurance Products Served Via Platform
Federal Financial Institutions Examination Council
Getting Comfortable With Social Media
The New Butterfly Effect?
By Phil Hall
Will the CFPB’s QM rules create a chain reaction that severely impacts underwriting?
Exciting Opportunities Emerge In Correspondent Lending
As larger players exit the space, nimble companies seek to gain market share.
Using Business Intelligence To Avoid Speed Bumps
By Tyler Sherman
Leveraging the right technology can help lenders navigate the new regulatory terrain.
Who Should Be Responsible For Installing LOS Technology?
By Linn Cook
Vendors with a “You Configure” approach are not doing any favors for lenders.
Hey, Correspondent Lenders! Can You Answer This?
By Bob Rubin
Correspondent lenders need to ensure they have everything in proper order.
When Silence Isn’t Golden
By Greg Holmes
Lenders need to be aware of problematic borrower behavior during a mortgage’s “quiet period.”
Reinventing Quality Control
By Judy Wheatley
Major regulatory changes require a more holistic approach to the QC process.
Is The FHA Well Or Ready To Fail?
Agency Faulted On ‘Inconsistent’ Work
Easing The Burden On Smaller Banks
New Version Of Analytics Suite
Payments Tied To NASCAR Victories
U.S. Department of the Treasury
This Situation Needs Fixing
April: Aba Real Estate Lending Conference
The New Playing Field
The industry weighs the impacts of the CFPB’s long-awaited QM and Ability-to-Repay rules.
A Legislative Lobbying Primer
Yes, you can make a difference in the political process - if you know how to connect with your representatives.
E-Signatures And The IRS: What You Need To Know
By Curtis Knuth
Electronic income verifications require audits, reviews and more.
Building A Mortgage Business In A Down Economy
By Patrick Stone
Four truths can sustain a start-up business, no matter how bad the market.
Windows 8 Creates Surprise, Concern
New Rules Impact Lenders, Appraisers
Genworth Detaches tInsurance Unit
Housing Data Via Census App
Envoy Expands Into Correspondent Loans
Office of the Comptroller of the Currency
Charting The GSEs’ Future: A Long-Term Strategy
By Edward DeMarco
The FHFA chief offers his view on what will become of Fannie Mae, Freddie Mac and the secondary market.
An Introduction To Best Practices In Model Risk Management
By Michael W. Trickey
The use of complex models is necessary and beneficial, but the modeling process has multiple risks to manage.
The New Reps And Warrants Model And The Repurchase Dilemma
What impact will the new FHFA policy have on lenders who face repurchase demands?
Subservicers Work To Remain In Step With Industry Changes
The sector responds to the dramatic evolution that continues to reshape the mortgage banking environment.
Is Your QC In Trouble?
By Becky Walzak
Too often, lenders read quality-control reports and cannot determine if there is a problem that requires attention.
FHFA Proposals Alarm Industry
Bank Of America Deal Approved
Task Force Aims At GSE Reform
Easier Access To Census Data
Conn. City Seeks New Homeowners
Federal Housing Finance Agency
Just Too Risky
February: Southern Secondary Marketing Conference
2013: The Year Of Women In Mortgage Banking?
By Ruth Lee
As the industry evolves, it appears that a new wave of women are attaining leadership roles.
Can Community Banks Prosper As Mortgage Originators?
By Elizabeth A. Duke
The Federal Reserve governor details the challenges that smaller financial institutions face in the new regulatory era.
Looking Beyond The FICO Score
Lenders participating in government-backed loan programs need to reconsider non-A-paper borrowers.
The Challenges Of Hedging Enterprise Interest Rate Risk
By Robert Kessel & Bob Gundel
Different components within lending require different interest rate risk hedging strategies.
Mixed Response To FHA MMIF Deficit
Reinsurance Unit Is Launched
No RMBS Tumult From Hurricane
U.S. Securities and Exchange Commission
The Very Rocky Road Before Us
January: The Hfa Institute
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