Secondary Marketing Executive Online

1999 FEATURES AND REPORTS

This index lists feature stories, reports and news items that appeared in Secondary Marketing Executive in 1999.

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ACB/ABA

Bankers Look For Revenues April, p. 13
Banker Groups May Merge Aug., p. 13
Bank Groups May Join Sept., p. 10
Groups Drop Plans To Join Oct., p. 18

ACCOUNTING

At Conesco: Cessation Of Gain-On-Sale Oct., p. 11
Accounting Assumptions Costly For Some Subprime Lenders. Subprime lenders are either selling more loans on a whole loan basis to increase cash flow or discontinuing their higher cost production channels Author: Gary Hutto Dec., p. 32

AFFINITY MARKETING

Companies Show Affinity For This Kind of Marketing. Affinity marketing is proving to be particularly attractive to subprime mortgage lenders, principally because locating customers is harder in this business Author: Neil Morse Dec., p. 30

AFFORDABLE LOANS

You Really Can Get Everything You Want At Wal-Mart Feb., p. 16
Impac Funding Corp.: Premium Price Has No Penalty March, p. 54
PNC Bank: Homecoming Loans March, p. 54
First Nationwide/Commonwealth: Lease To Purchase March, p. 55
G.E. Capital Mortgage: Zero Down Pay Option March, p. 55
Rural Loans For Rentals April, p. 60
First Home Mortgage Corp.: Non-Profit Spurs Sales May, p. 34

AGRICULTURAL LOANS

Prospects Grow In Amber Waves Of Grain. While the industry continues to benefit from a low interest rate environment, anemic exports, overproduction and the decrease of government subsidies all create uncertain prospects for farm and rural properties. Author: Michael J. Kling Sept., p. 16
Financing Keeps Farms Going Sept., p. 18
The Agricultural Secondary Market Sept., p. 20

APPRAISALS

The Appraisal Process Revolution; What Works and Why. There are a significant number of burned out, razed and distressed properties for which values are being generated via models. Author: Keith Wolf April, p. 23
Professional Designation Results In Superior Appraisal Service. Choosing an appraiser with a professional designation may be worth it for a complicated property Author: Michael J. Kling April, p. 26
It's The Law April, p. 30
Appraisal Companies In Midst Of Initial Consolidation Phase. Prompted by general consolidation in the real estate individual firms are seeking strategic partners Author: Michael J. Kling Oct., p. 31

ARMS

Remember ARMs? They're Coming Back In Hybrid Forms. The adjustable-rate borrower today faces many more choices than even five years ago as capital market instruments make it easier to tailor products Author: Bob Segal April, p. 44
REITS: Major Force Behind Arm Buys April, p. 46

ASSOCIATIONS

NEHMA, NYS Square Off Sept., p. 12
Navigating Choppy Waters Dec., p. 11

AUTOMATED UNDERWRITING

Peeking Into The Black Box April, p. 10

BANKRUPTCY

Bankruptcy Reform On Tap July, p. 8

COMMENT

When Money Flowed Like Wine Jan., p. 6
This Is A Risky Business Feb., p. 6
Here's What We Can Expect March, p. 6
Opportunity Behind The Iron Curtain March, p. 38
The 125: Down But Not Out April, p. 6
More And More, Deeper And Deeper May, p. 6
Reassessing Reinvestment Aug., p. 6
Appraising Bundled Services Sept., p. 6
Do's and Don'ts For Mortgage Brokers Oct., p. 6
Will Technology Ease The Coming Slowdown? Nov., p. 6
Brokers Head For The Exits Dec., p. 6

COMMERCIAL

Echoes Of A Booming Past: Apartment Demand. With overbuilding in some areas, different markets are at different points in the cycle. But the sector looks strong for now Author: Michael J. Kling Feb., p. 18
Fixed Rates Vs. Flexibility Feb., p. 21
Coming Up Roses Feb., p. 22
Steady As She Goes Feb., p. 47
SBA Program Gives Lenders An Attractive Option, But Not To Speculate. Having SBA programs, especially the 7(a), in your repertoire can help commercial lenders make deals and increase volume Author: Michael J. Kling Feb., p. 48
Old Hands At SBA Funding Feb., p. 49
New Property Assessment Guide To Bring Consistency. A new guide on property condition assessments and property condition reports is expected to increase uniformity and make selecting PCA services easier Author: Carl DE Stefanis Oct., p. 71
A Baseline For Building Oct., p. 72

COMMUNITY BANKING

Community Banks Seek To Define Themselves And Their Communities. Blurred lines around America's communities have left community banks wondering who they are and how they fit into the 21st century financial services landscape Author: Neil J. Morse Oct., p. 48
Filling A Hometown Void Oct., p. 49
The Personal Touch Oct., p. 51
Regionals Gobbled Up Oct., p. 52

CONFERENCES

Overlapping Gatherings April, p. 11
Group Views New Century May, p. 36

CONSOLIDATION

Down To A Precious Few Feb., p. 10

CREDIT UNION

Outside Loans Go To Package March, p. 57

DEFAULT MANAGEMENT

An Effective Origination System Permits Proactive Lending Decisions. Make sure the technology addresses default risk on the front-end Author: Ron Morgan April, p. 42

DELINQUENCIES

Coming Up Roses Feb., p. 22
Increased Home Ownership Has Fulfilled Dreams, Fueled Nightmares. The "Let's House Everybody" bandwagon is stimulating a demand for new loan products and raising the prospect of significant delinquency and foreclosure Author: Jim Bassarear Aug., p. 32
Commerical Posts Drop Oct., p. 14

DIRECTORIES

Index of 1998 Articles: A Look Back At 1998. If you're looking for a story or report that you know you saw in Secondary Marketing Executive, here's a useful guide Jan. p. 34
Directory of 1999 Mortgage Banking Technology. Here toward the new millennium, all eyes are on software, hardware, everywhere. Plug in to the latest in high-technology products that will help you profit in the year ahead Jan., p. 47
Directory of Flood Service Providers. Need A Company That Knows What's Going On In The Flood Business? Flood industry wades through legal and litigation issues, FFIEC questions and answers and flood hazard mapping May, p. 22
Directory Of Wholesalers. The 1999 SME Roadmap To Active Wholesalers, Correspondent Lenders June, p. 22
Directory Of Subservicers. They'll Do It For You! Subservicers Will Take On Those Special Loan Niche Products Or Your Whole Portfolio July, p. 14
Directory Of Assignment & Release Service Providers. These companies provide assignment and release services to the mortgage industry Oct., p. 47

DOCUMENT CUSTODY

Determined To De-Paper The Document Custody Discipline. Entering the electronic age will have to be done carefully since there are millions of documents to review, track, release, etc. Author: Neil J. Morse Sept., p. 47
The Tools For Talking The Talk Sept., p. 48

ECONOMY

'98 Market: As Good As It Gets Jan., p. 10
Growth In U.S. Unless... March, p. 10
Will Exports Hold Up? March, p. 16
All Signs Good For Economy April, p. 14
More Good Than Bad News June, p. 12
Rents Rise Out Of Reach Aug., p. 12
Here Come Good Old Days Oct., p. 16
Fed Takes Stock Of Americans Lengthy Spending Binge Author: Phillip E. Kidd, Ph.D. Oct., p. 66
Loan Demand Headed Down Nov., p. 8

ELECTRONIC COMMERCE

Will Online Mortgage Lending Earn More Than An 'e' Grade. Almost everyone in the inudstry thinks e-mortgages will be very important, but few believe they will replace bricks and mortar lending Author: Jeff Siegel Nov., p. 22
Obtaining The Benefits Dec., p. 8

FAIR LENDING

Link Staff Race To Loans March, p. 14
Keeping Score Fairly: What CRA Allows And What It doesn't. Compliance and monitoring methodologies are different for scored products, he says, but disparate impact and disparate treatment are still critical issues Author: Neil J. Morse Aug., p. 46
Prime Or Subprime, Either Way Lenders Must Observe Fair Lending. Attention will be heightened. Agencies will focus more on fair lending and the capital implications of subprime lending. Several states are already looking at (these) practices Sept., p. 54
Fair Lending Compliance Is More Than The Law, It's Good Business. The consequences of noncompliance are significant. It can result in a fine, suspension of operations, and/or revocation of the mortgage banker license Author: Carol Reicht Nov., p. 34
Developing A Fair Lending Plan Nov., p. 36

FANNIE MAE

Reverse Mortgage Brochure Debuts Jan., p. 17
Multi-Use Building Enhancement Jan., p. 17
Flexible 97 Program Garners Early Acceptance Jan., p. 18
Beware: Aunt Fannie Is Watching Jan., p. 25
Raines Sets MI Rollbacks Feb., p. 11
Facelift Gives New Look To LeDroit Park Area Feb., p. 15
Agency Wants Small Lenders To Try On Fannie Pak March, p. 20
Increased Lending To Low - and Moderate-Income Households March, p. 20
Determining The Capital Adequacy of Fannie Mae And Freddie Mac. The risk-based capital requirement will be the amount of capital needed to survive the stress test, plus an additional 30% to cover unspecified risk as required by law Author: Mark Kinsey April, p. 34
Appraisal Link Is Available This Month May, p. 27
Joint Investments In Chicago Housing May, p. 27
No Loan Originations June, p. 13
Housing Finance 'Revolution' June, p. 17
Double Digit EPS Growth June, p. 17
Bay Area Affordable Housing Initiative July, p. 24
Ohio Savings Bank Alliance May Mean $15B Rights Sale July, p. 24
Commitments On Fannie's Web Site Aug., p. 14
Looking For Green Ideas In The City Aug., p. 14
Guiding Light Shines On GSEs. Insurance-based group watches for Fannie Mae, Freddie Mac "charter creep." Aug., p. 1
Not Doing The Job Aug., p. 20
See No Need To Pay On Time? Sept., p. 15
Campaign To Increase Minority Ownership Sept., p. 30
Lenders Pay Less For More Access In New Plan Oct., p. 21
Assessing AU On The Internet Nov., p. 21
Attracting More Home Remodeling Loans Dec., p. 22
Bills Meet Needs Of All Investors Dec., p. 22
Another Housing Surge In New Decade Dec., p. 23

FHA

Housing Agencies Ramp Up Services. FHA, VA and Ginnie Mae all aim to improve secondary marketing liquidity. Author: Jerry DeMuth Jan., p. 26
Doesn't Anyone Need A Government Loan? Feb., p. 15
FHA Loans: A Gray Area April, p. 12
It's A New Ballgame At An Old Agency Sept., p. 30

FHLB

FHL Banks Like MPF Pilot Jan., p. 13
FHLB Funding Expands In N.Y. March p. 12
Home Loan Banks: Partnership Expands June, p. 8
Investments/Capital Rules Sept., p. 9
FHLB Sees Growth Dec., p. 10
New FHLB Programs Move Forward Despite Some Setbacks. Banks realize that if you make your own laons, you don' pay someboyd else the manufacturing costs. The return is as attractive as what you buy on Wall Street Author: Jerry DeMuth Nov., p. 14

FORECLOSURES

Increased Home Ownership Has Fulfilled Dreams, Fueled Nightmares. The "Let's House Everybody" bandwagon is stimulating a demand for new loan products and raising the prospect of significant delinquency and foreclosure Author: Jim Bassarear Aug., p. 32

FREDDIE MAC

Survey: Refi Borrowers Prefer 30-Year FRM Jan., p. 18
Western Mass. Benefits From $20 Million Jan., p. 18
Strong Arms Still Prominent: Survey Feb., p. 15
Broad Outreach Seeks To Raise Ownership Rate March, p. 21
Re-leverage Value Of Multifamily Second Mortgages March, p. 21
Enlarging Role In Multifamily, Senior Housing March, p. 21
Joint Effort Helps Buyers Learn The Score April, p. 17
Sacramento Becomes First Alliance City of '99 April, p. 17
Determining The Capital Adequacy of Fannie Mae And Freddie Mac. The risk-based capital requirement will be the amount of capital needed to survive the stress test, plus an additional 30% to cover unspecified risk as required by law Author: Mark Kinsey April, p. 34
Deal May Be First Of Many May, p. 14
Retail Investor Device Launched In Partnership May, p. 27
Credit Enhancement Helps St. Paul Seniors May, p. 27
PMI Policy Is Revised June, p. 16
Multifamily Securitization June, p. 16
A-Minus Loans For Gold Cash June, p. 16
Prospecting On The Net Sponsored By Lenders July, p. 24
Exclusive Marketing Rights For Loss Mitigation Program Aug., p. 14
Guiding Light Shines On GSEs. Insurance-based group watches for Fannie Mae, Freddie Mac "charter creep." Aug., p. 1
Not Doing The Job Aug., p. 20
Automated Underwriting Deemed Successful Oct., p. 21
Move Over Uncle Sam, Cousin Freddie's Here Nov., p. 21
Market Gets An A- From The GSEs Nov., p. 21
Additional $3 Billion In Notes Issued Dec., p. 23
Helping Brokers Use Automated Underwriting Dec., p. 23

FYI

GreenPoint Financial Corp.: Headlands To GreenPoint Jan., p. 21
National Finance Corp.: Hispanics Get Own Division Jan., p. 22
Going Once, Going Twice Jan., p. 22
Rural Areas To Get Funding Jan., p. 23
MBA Plans '99 Course Sked Jan., p. 23
Law Changes Reverse Loans Jan., p. 23
Pamphlet On Securities Jan., p. 23
Interlinq Software Corp.: Trades Cease Feb., p. 29
Chicago Title Corp.: Titles And Franchises Feb., p. 30
Countrywide Home Loans: Rural, Jumbo Advice Feb., p. 30
IMX Exchange: A Wider Net For Exchanges March, p. 27
LaSalle National Bank: Pairing Puts Bank In CMBS March, p. 27
IndyMac Mortgage Holdings Inc.: Submit Loans Electronically March, p. 27
Ohio Savings Bank: Wholesale Lending Rises March, p. 28
Proctor Financial Insurance Corp.: Alternative To Title Search March, p. 28
Affiliate Network Solutions: Promoting In Right Places March, p. 50
Company Puts Toe In UK Water March, p. 50
Avondale Funding Corp.: Aligns With New South April, p. 21
Fiserv UniFi Products Group: Merging Technology April, p. 21
Alltel Buys Product, Staff, April, p. 22
ASC Plans New Web Products April, p. 22
Chicago Board Of Trade: Three, Free CBOT Guides April, p. 51
LandSafe Appraisal Services: Valuation Service Grows April, p. 51
Microbanker: Sites Fall Short: Survey April, p. 61
IMX Exchange: Specify Loans On Exchange May, p. 30
First Union Mortgage Corp.: Help For Fla. Reverse Mkt. May, p. 30
Dynate Inc.: Plan For Data Integration May, p. 31
Proctor Financial Insurance Corp.: Guard Against Title E&O's May, p. 31
Associated Software Consultants Inc. Offers Its Support May, p. 31
GMAC-RFC Adds To Strength June, p. 47
Litton Loan Servicing Earns Special Rating June, p. 48
Homeside Lending: 'Sub' Leader To Grow Biz June, p. 48
Sunbelt National Mortgage Buys Cambridge June, p. 48
InterFirst Wholesale Mortgage Lending: Automated Wholesaling June, p. 49
Crossland Mortgage Corp. Is Honored June, p. 49
Bank United Joins IMX June, p. 49
National Rehabilitation Lenders Association: REHAB Lenders Gets New Name June, p. 52
First American Financial Corp. Buys Tele-Track June, p. 52
E-Loan Inc.: Eastern Deal With E-Loan July, p. 25
ALLTEL: Companies Aim To Drop Paper July, p. 25
HomeAlliance Mortgage Corporation Has Expanded, July, p. 25
IMX Exchange Expansion And Growth July, p. 26
Allied Mortgage Capital Corp.: First ConFab Successful, July, p. 26
Local Initiatives Support Corp.: First REIT For Low Cost July, p. 26
Fiserv Data-Link Products Group: A Speedy Conversion July, p. 27
First American Mortgage Corp.: Loans To First Americans July, p. 27
Amerin Corp./CMAC Investment Corp.: Merger Done, Radian Is Born July, p. 27
Affinity Corp.: Single Entry For Brokers July, p. 27
Lawyers Title Insurance: Title Firm Grows Larger July, p. 28
Lenders Joining Program: July, p. 28
Mortgage Custodians Inc.: New Name, New Mission July, p. 28
HomeSide Lending Inc.: Cendant Joins Homeside, July, p. 45
The Appraisal Institute: GIS Guide From Institute July, p. 45
Homeside Lending Inc.: Giant Bulk Registration July, p. 45
Tuttle Decision Systems Inc.: Preferred Provider July, p. 45
IMX Exchange: Access To Credit Tools Aug., p. 17
Advanced Financial Services: Rapid Deployment Aug., p. 17
MBA: A Global Approach Aug., p. 17
Ultraprise Corp.: New Loan Types On The Web Aug., p. 18
Aames Financial Corp: Stronger Cashflow Aug., p. 18
Transamerica Real Estate Tax Services/American Security Group: Alliance For Escrowing Aug., p. 18
Financial Freedom Senior Funding Corp.: Reverse Deal Widens Reach Aug., p. 18
Allied Mortgage Capital Corporation: Improving Originations Sept., p. 36
Chase Mortgage Company Eats Mellon Sept., p. 36
Fidelity National Financial Inc. Gets Chicago Title Sept., p. 36
IMX Exchange: Dropping Anonymity Sept., p. 37
The Credit Network: TCN Goes With Eastern Sept., p. 7
ALLTEL: Hawaiian Data Center Sept., p. 37
Home Alliance Mortgage Co.: Lender Branches Out Sept., p. 37
Home Improvement Lenders Association Hosts D.C. Event Sept., p. 38
National City Corporation: Companies Join Forces Sept., p. 38
Fiserv Inc.: Technology Backbone Oct., p. 19
ALLTEL Information Systems Inc. Forming Alliances Oct., p. 19
Avondale Funding Corp. Now A Dot-Com Organization Oct., p. 19
London Bridge Group: Market Alliance Oct., p. 24
Financial Freedm Senior Funding Corp.: Reverse Bonding Oct., p. 26
Concentrex Inc.: Customer Division Set Oct., p. 26
XML Mortgage Partners Inc.: Group Starts XML Project Oct., p. 26
Mortgage Guaranty Insurance Corporation: Find New Customers Oct., p. 27
The Bohan Group: Adding Post-Closing QC Oct., p. 27
PMI Mortgage Insurance: Getting Off Piggy's Back Oct., p. 28
Banks Buying Insurance Cos. Oct., p. 28
Brokers Get Two Thirds Nov., p. 27
Secured Bankers Mortgage Company: Cybertek Inks Sale Pact Nov., p. 38
The National Association of Mortgage Brokers/IMX Exchange: What's Best For Brokers Nov., p. 38
ALLTEL: Joins Homeside Nov., p. 38
GHR: Origination Volume Up Nov., p. 38
Tuttle Decision Systems Inc.: Lockpoint Exceeds $20B Nov., p. 38
Amaximis Lending Is Back Nov., p. 38
Ultraprise Corp. Growing Nov., p. 38
PNC Mortgage: Correspond With Web Site Dec., p. 28
PCI Services Inc.: Norwest Is '98 Leader Dec., p. 28
Green Tree Financial Corp.: To Be Conesco Dec., p. 28
Colorado Mortgage Lenders Association: New Recourse In Colorado Dec., p. 28
Allowance Online Disclosure Dec., p. 28
Tricor Mortgage Lending: Internet Lending Site Dec., p. 29
Mortgage.com: Acquisitions Fit Strategy Dec., p. 29
Subprime Advice Dec., p. 29

GINNIE MAE

Housing Agencies Ramp Up Services. FHA, VA and Ginnie Mae all aim to improve secondary marketing liquidity. Author: Jerry DeMuth Jan., p. 26
Ginnie Mae Plan Scrapped Feb., p. 12
West Performance Improvements Sept., p. 30
Investors Flock To REMICs For Strength Oct., p. 21
Ginnie Mae Plan Opposed Nov., p. 8

GSEs

Allaying Fears Of Competition March, p. 11
GSE's Have Open Access Plans May, p. 13
Deal May Be First Of Many May, p. 14
Guiding Light Shines On GSEs. Insurance-based group watches for Fannie Mae, Freddie Mac "charter creep." Aug., p. 1
Not Doing The Job Aug., p. 20
Keeping The Light On GSE's Sept., p. 59
GSE Argument Continues Dec., p. 9

HEDGING

Online Mortgage Transactions Could End Hedging. There is a brave new world waiting just around the corner. It involves online shopping for ar ate that is guaranteed Author: Joe Garrett Sept., p. 60

HIGH LTVS

The 125% Loan Is A Sheep In Lien Clothing Feb., p. 8
Bad News for All 125 Cos.? April, p. 8
The Pros And Cons Of 125s April, p. 54

HOME EQUITY LOANS

Firming Secondary Market Brings Home Equity Lending Back To Life. Premiums are not as high as they once were but the liquidity is coming back. It could mean an 8% volume increase in home equity lending this year; but a smaller average loan balance Author: Neil J. Morse March, p. 24
Trouble Ahead For Lenders May, p. 10
Specialty Equity Lenders Need Great Aim To Win On A Tough Course. As the strong get stronger and the weak disappear from specialty equity lending, companies struggle to raise money not just to make loans, but to buy technology Author: Jeff Siegal May, p. 16
What It Takes To Survive May, p. 17
PBS Lending Corp.: For Low-Equity Properties May, p. 34
States Line Up Aug., p. 10
Stagnating Equity Loans To Grow Through 2001. A modest run-up in rates normally would only gradually exert downward force on home sales and housing starts. But the slide may be greater than expected for demographic reasons Author: Phillip E. Kidd, PH.D. Sept., p. 40

HUD

203(b) Program Contract Rates Increase Jan., p. 18
Non-Profit Gets Funding For Affordable Housing Feb., p. 16
Dispute Over "Settlement" March, p. 19
Accommodating Congress' Increased Loan Limit March, p. 21
Brokers Get YSP Go Ahead April, p. 9
Commitment Authority Raised June, p. 16
HUD's Policy On YS Premiums: Too Little, Too Late Or Just Right? In this all-important class action game, it's hard to tell whether HUD has emerged a hero or merely a non-factor Author: Robert M. Jaworski June, p. 38

INVESTING

Experts Don't Know It All Jan., p. 16

LEGISLATIVE

Schemes Under Watch Oct., p. 12

LICENSING

Licensing Is Vital To Mortgage Company Growth. Mortgage companies should utilize specialized outside licensing counsel because each state has its own lending laws and every mortgage company has unique legal and business characteristics Author: William P. Vestevich Feb., p. 28

LOAN PRODUCTION

A Good Strategic Move: Hug Your Production Manager Today. You don't have just one product, you have several, and each has a different sensitivity to price changes. A big part of that sensitivity belongs to the actual producers Authors: Greg Crosby & Bill Fraedrich March, p. 51
Looking West In Colorado Aug., p. 10
Defining A Common Sense Approach To Common Sense Production. A Good way to approach common sense in loan production is to start with definitions and decide when "common" should end and "sense" should begin Author: Larry Skouby Aug., p. 24
How To Become A "Loaner" Aug., p. 26
Taking The Goldilocks Route Aug., p. 30
That Was Then, This Is Now; Use Tools To Profit From Change. Consumers now can shop for homes at any time. All that remains to be developed is the actual bidding for the home electronically, and that's not far away. Author: Michael A. Hyman Oct., p. 58

MARKETING

Capturing The Cyber Customer: Selling Has Changed. Forever. How many companies have broken speed records just to have a Web presence only to discover that they weren't ready for the change in buying behavior brought about the Internet? Author: John R. Graham March, p. 46
Cross-Selling Is Smart Business. Understanding the value of cross-selling is not enough. Businesses also must know how to do it right. Authors: Jerry DeMuth and Neil J. Morse May, p. 1
Surfing For Answers On The Net May, p. 35
A Level Playing Field May, p. 20
Create Long-Term Clients May, p. 21
The Right Marketing Plan Will Keep Your Business On Track. Marketing is a science, but it doesn't take a rocket scientist to do it successfully. Author: Aeron Stedmann July, p. 32
Sending The Wrong Messages Means Branding A Business ...Badly. As massive mergers take place, maintaining identities is more difficult. This opens the way for middle-market and smaller-sized firms to seize the initiative Author: John Graham Aug., p. 40

MERGERS

Agreeing To Stay Separate July, p. 9
Have The Urge To Merge? Look Before You Leap Author: John A. Uzzi Oct., p. 63

MERS

MERS Heads Into The Black March, p. 18

MI Companies Join Forces Jan. p. 11
Raines Sets MI Rollbacks Feb., p. 11
A Multi-Front Battle For MI Firms...Separating Friend From Foe. Even if not replacing the industry outright, technology still may shrink the insurance pie enough to under-nourish some existing companies Author: Neil J. Morse April, p. 48
Study Finds Growth Ahead May, p. 8
Flying High. While favorable credit conditions are raising MI profits to new heights, they also are encouraging competition for business Author: Robert Segal July, p. 1
What Cancellation Really Means July, p. 22
Guiding Light Shines On GSEs. Insurance-based group watches for Fannie Mae, Freddie Mac "charter creep." Aug., p. 1
New MI Law May Confuse Sept., p. 58

MORTGAGE PEOPLE

Just Call Him 'The Juggler' Hoping to plant some new ideas in the banking inudustry, Kit Sumner takes on a second job this year: MBA President Author: Dona DeZube Nov., p. 30
Navigating Choppy Waters Dec., p. 11

MULTIFAMILY

Echoes Of A Booming Past: Apartment Demand. With overbuilding in some areas, different markets are at different points in the cycle. But the sector looks strong for now Author: Michael J. Kling Feb., p. 18
Fixed Rates Vs. Flexibility Feb., p. 21

NOTE BROKERING

Note Brokering: Untapped Market Is A Potential Goldmine. Mortgage professionals should strive to diversity their businesses, and business note brokering is a large, untapped market that provides the perfect answer Author: Gary Opper Sept., p. 50

OFHEO

Risk-Based Capital Proposal Already Drawing Critiques May, p. 28
Reporting On Risk-Based Examinations Aug., p. 15
Taking A Calculated Risk With GSEs' Money Sept., p. 32

ORIGINATIONS

Borrowers Pay Up Early Jan., p. 12

OTS

Thrifts' Share Of Mortgage Market Slides Sept., p. 32

OUTSOURCING

Oursource Is A Resource For Growing Credit Union Sector. Fluctuating volume may keep credit unions from staffing up, so many are getting help from the outside, enabling them to stay in the market Author: Susan Stewart Aug., p. 34
Credit Union Numbers Impressive Aug., p. 36
Major Growth Ahead Aug., p. 37
Default Outsourcing Aug., p. 37

PERSPECTIVE

Refinancing Sustains Consumer Spending And Economy This Year. With inflation subdued, the Federal Reserve has ample room to reduce rates to combat any slowdown in economic activity. Such cuts will only spur refinancing activity this year Author: Phillip E. Kidd, PH.D. Feb., p. 32

PIPELINE MANAGEMENT

Riding A Tidal Wave Of Volatility. Managing jumbo pipeline risk requires nerves of steel and quantitative smarts Authors: Jess Lederman and Patrick Fike March, p. 1

PRIVATIZATION

Creates Huge Finance Need April, p. 15
Privacy Tied To Bill Aug., p. 13

QUALITY ASSURANCE

Quality Assurance: Anchoring Loans In A Changing Market. In many respects, QA is more critical now than in previous times, even though volume has cooled off significantly Author: James Hennessy; It requires a cohesive program that makes sure existing processes are performing as expected Author: Rebecca Walzak Sept., p. 1
Identifying Weaknesses Sept., p. 28
Lenders Look At Quality Control Through New Eyes. Because QA needs are changing, lenders are now looking outside aditional processes. As a result, other types of systems are beginning to emerge Author: Rebecca Walzak Nov., p. 45

REGULATORY

Looking To Modernize Feb., p. 13
NEHMA, NYS Square Off Sept., p. 12
Money Sector Modernizes Dec., p. 12
The Battle Between Brokers And State Regulators Heats Up. Some mortgage brokers are starting to turn customers away because new "predatory lending" laws are forcing them to change the way they do business Author: Jerry DeMuth Dec., p. 16

REITs

REITS: Major Force Behind Arm Buys April, p. 46
Real Estate Investment Trusts Search for Stability In Turmoil. Effectively shut off from Wall Street Financing, REITs are finding different strategies to surviving. Some are even considering dropping their REIT status Author: Michael J. Kling May, p. 40
Equity REITs Turn To Banks May, p. 41
New Status Spells Growth July, p. 49

REFI

Survey: Refi Borrowers Prefer 30-Year FRM Jan., p. 18
Refinancing Sustains Consumer Spending And Economy This Year. With inflation subdued, the Federal Reserve has ample room to reduce rates to combat any slowdown in economic activity. Such cuts will only spur refinancing activity this year Author: Phillip E. Kidd, PH.D. Feb., p. 32
First Nationwide Mortgage Corp.: Easy Refis for Low/Mod Owners May, p. 34
Fewer Go To Higher Loans July, p. 8
Data Show Cash Is King July, p. 49
Brokers Must Dig In: Leader Sept., p. 11

RENOVATIONS

A Significant Opportunity Nov., p. 13

RESIDENTIAL LENDING

New Law In Pennsylvania Feb., p. 14
Sales, Prices Rise: Survey March, p. 15
Internet Lending: Not Smooth Or Simple June, p. 9

RESPA

New Hope For RESPA Reform Feb., p. 12
Brokers Get YSP Go Ahead April, p. 9

REVERSE MORTGAGES

Reverse Mortgage Brochure Debuts Jan., p. 17
Reverse Mortgage Lenders Try 'Back To The Future' Strategy. Marketing of reverse mortgages has become more sophisticated as lenders pay more attention to adult children and financially sophisticated, younger seniors Author: Dona DeZube July, p. 40
The Uses For Reverse Mortgages July, p. 41

RISK

Keep Focus On Sound Lending Feb., p. 13
Best X2. Savvy Mortgage Brokers Are Taking Best Execution To The Next Level, But It's Not Just A Matter Of Achieving The Best Price. Here's Why Best-Ex Is All About Optimizing Risk And Reward Author: Jess Lederman June, p. 1
Hedging Not An Option June, p. 14

RISK-BASED CAPITAL

Determining The Capital Adequacy of Fannie Mae And Freddie Mac. The risk-based capital requirement will be the amount of capital needed to survive the stress test, plus an additional 30% to cover unspecified risk as required by law Author: Mark Kinsey April, p. 34

RISK-BASED PRICING

Value Differentiated Pricing -- Not Just A Function Of Risk. Is the market accepting the risk-based pricing component of value? Several players' acceptance is limited to specific high loan-to-value, jumbo or subprime products Author: Gary Hutto July, p. 35
Value Differentiated Pricing: Has The Industry Gone Gar Enough? The secondary marketing agencies emphasize risk-based pricing already for some products Author: Gary Hutto Aug., p. 38
Risk-Based Pricing: Born In Subprime, Delivered By The Internet. Under the influence of the Internet, risk-based pricing is expected to be used universally in the mortgage industry within the next 36 months Author: Michael Warner Oct., p. 55

SECURITIZATIONS

An Outlet For CRA Loans May, p. 36
Mers Part Of Package June, p. 14

SELLING

In Sales (And Soccer) Success Comes To Those With The Most Goals. Sales people without goals are the ones that managers should consider letting go when cutbacks are made in the sales force. Author: Dr. John Musser Oct., p. 34

SERVICING

Which Brand Is Right For You? Mortgage loan subservicing continues to evolve in response to changing customer needs. Author: Lee Wardlow Feb., p. 1
A Thousand Points Of Contact Feb., p. 41
A Time To Panic...Or A Time To Shift Focus To 'Customer Retention?' "Retention is absolutely the name of the current and future game. It is so, so important" April, p. 40
SFAS 133
Marking All Instruments March, p. 59

STRATEGIC PLANNING

Experts Don't Know It All Feb., p. 31
If Lenders Fail To Plan, They Are Planning To Fail July, p. 46

SUBORDINATIONS

Are Subordinations Good Business? Yes, If You Know The Ropes. Subordination activity must be completed in an efficient and expedient manner; but for many companies this is uncharted territory. Find someone on staff who can lead the way. Authors: Donna Beinfeld and Candis Duke Feb., p. 42

SUBPRIME

Another One Bites The Dust March, p.14
No Shirt, No Shoes, No Loan. Prioritizing Underwriting Risks. A loan which is lacking two of the three established risk categories, or has negatives which outnumber the positives, should not be viewed as a good risk Author: Kevin J. Crowe April, p. 52
The Pros And Cons Of 125s April, p. 54
OCC Addresses Lending Risk June, p. 11
New Subprime Products Take Off. It's a challenging market to manage, but some companies have discovered the secrets to originating Author: Neil J. Morse Oct., p. 1
Watch Out For Landmines Oct., p. 46

SUBSERVICING

Carving Out Market Niches. Subservicers Are Targeting Specialized Mortgage Products. Some Are Embracing Private Label And Personalized Service As Their Niches Author: Michael J. Kling July, p. 10

TECHNOLOGY

Housing Agencies Ramp Up Services. FHA, VA and Ginnie Mae all aim to improve secondary marketing liquidity. Author: Jerry DeMuth Jan., p. 26
Matching Borrowers, Lenders Electronically Feb., p. 16
Taking The Smart Approach To Telemarketing Technology. Take your telemarketing program into the 21st century by building relationships, supported with technology. It will dramatically increase your business volume and increase your profits! Author: Aeron Stedmann Feb., p. 26
Get Off The Software Merry-Go-Round. Finding a business application that will allow you to break the cycle of continually re-investing in technology Author: Bob Christman March, p. 60
Too Smart Too Late March, p. 63
Looking Into The Future Of Loan Originations. Innovations in mortgage lending will pivot on state-of-the-art technology. But how much will potential fraud and missing relationships limit horizons? Author: Neil J. Morse April, p. 1
A New Nature Of Service April, p. 33
Choosing The Best Type Of Multi-Lender Mortgage Web Site. The current set of lead generation sites will not be viable in the long run unless they take some steps to change Author: Jack Guttentag May, p. 32
OTS Has Eye On Cyber Loans Aug., p. 49

TELEMARKETING

For Mortgage Lenders, Telemarketing Has The Ring Of Success. Many mortgage originators are developing telephone contact operations to identify new customers and expand business with those already in the fold Author: Neil J. Morse Feb., p. 23
Taking The Smart Approach To Telemarketing Technology. Take your telemarketing program into the 21st century by building relationships, supported with technology. It will dramatically increase your business volume and increase your profits! Author: Aeron Stedmann Feb., p. 26

TRENDS

Increased Home Ownership Has Fulfilled Dreams, Fueled Nightmares. The "Let's House Everybody" bandwagon is stimulating a demand for new loan products and raising the prospect of significant delinquency and foreclosure Author: Jim Bassarear Aug., p. 32
Big Changes For Lenders Sept., p. 11
Borrowers Comfortable Oct., p. 17

UNDERWRITING

A Lack Of Knowledge Keeps Technology Underused. The virtual mortgage company is a reality, yet obstacles exist that hinder widespread acceptance Author: Jerry DeMuth July, p. 30

Housing Agencies Ramp Up Services. FHA, VA and Ginnie Mae all aim to improve secondary marketing liquidity. Author: Jerry DeMuth Jan., p. 26

WAREHOUSE LINES

Warehouse Lines -- A Knockout For Brokers. These Days Even Modest-Sized Shops Are Boosting Market Share And Improving Secondary Execution By Adding Warehouse Lines Authors: Jess Lederman and Jim Murnyack Nov., p. 1
Rate Versus Fee: How Significant? Nov., p. 19
Capital Implications Of Warehouse Lines Nov., p. 20
Obtaining Warehouse Lines Of Credit: What Providers Want. A warehouse line of credit increases control of the closing process, enhances prestige and helps bundle loans for deliveries Author: William Beschel Nov., p. 40

WHOLE LENDING

Lenders Finding Market Gets A Whole Lot Better. With volume steaming forward at a fast clip, there could be a glut of loans on the block by year's end. But how much money will be going after them? Author: Neil J. Morse Aug., p. 43

WHOLESALE LENDING

Want To Raise Productiviity? Leave Fewer Fingerprints Author: Darren Ransdell Nov., p. 42

WHOLESALING

Brokers, Correspondents Desire To Improve Their Relationships. Service, technology and communication are issues to be addressed by the industry as it continues to gain market share Author: Robert Segal June, p. 18

WORKPLACE

Want High-Performing Sales Personnel? Forget IQ, Get SPQ. Hiring managers may have difficulty identifying problem factors in an interview, as even the sales candidate may be unaware of his or her presence and impact Author: Dr. John Musser March, p. 32

Y2K

Turning Up The Heat Jan., p. 15
12 Months And Counting: Is The Mortgage Industry Y2K-Ready Or Not? The mortgage industry player who ends up being a Y2K Loose-end to its trading partners is asking to be toast - absolutely discredited - come Jan. 3, 2000 Author: Michael Warner Jan., p. 24
Beware: Aunt Fannie Is Watching Jan., p. 25
Liability, Risk Issues May Give Y2K Bug Its Worst Bite. As banks begin to look into their customers' Year 2000 compliance efforts to insure loan repayment, for example - are they acquiring knowledge that they may have a duty to disclose to theirs? Author: William J. Heller March, p. 29
Get Your Y2K Merit Badge: Think Like A Scout, Be Prepared. Odds have risen from 60% to 70% that computer malfunctions will send the world into a severe recession Author: John Graham April, p. 58
Looking Past Y2K Testing May, p. 12
Tabulating The Winners And Losers In The Great Y2K Scare. All eyes are fixed with great fascination on the coming flight from 1999 to 2000. Will everything come crashing down or will we soar easily through it? Author: Bill Fraedrich Dec., p. 1