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Articles about Compliance


Commercial | November 2019 
Loosen the Ropes
In this period of divided government in Washington, D.C., the prospects of Congress further unwinding Obama-era regulations on commercial real estate lenders isn’t likely. During the Trump administrat...
By Jeff Levin, founder and president, Specialty Lending Group and Pinewood Financial

Residential | July 2019 
Underwriting Moves the Story Forward
Think of a mortgage as a story, one that outlines how a borrower achieves his or her individual goal of homeownership. In many ways, the contents of a loan file provide the details of t...
By Eric Webb, assistant vice president of underwriting, Churchill Mortgage

Residential | June 2019 
Making Things Click
Mortgage lenders tend to highlight their sales staff as the star performers in their company — and not without good cause. Originators interact with borrowers on a daily basis and largely define...
By Liliana Nigrelli, chief compliance officer, Churchill Mortgage

Commercial | April 2019 
Get a Grip on Your Loan
Construction-loan financing is truly unique, multifaceted, never cookie cutter and contains many risks lenders do not face when offering more traditional commercial mortgage loans. The tasks involved ...
By Garry Barnes, director, PW Partners Consultancy

Residential | February 2019 
Remove the Compliance Burden
Mortgage originators are unique in the financial sector of the economy. In many other industries, a few huge corporations dominate the market, with smaller companies and independent professionals fill...
By Paul Dempsey, director of marketing, 360factors

Residential | December 2018 
Viewpoint: Mortgage Companies Seek a Level Playing Field
All mortgage companies, including nonbank lenders, are looking for ways to survive in this margin-compressed, compliance-heavy market. Ideas are flowing as to how to cut costs, optimize operations, in...
By Ed F. Wallace Jr., executive director, The Community Mortgage Lenders of America (CMLA)

Commercial | December 2018 
Get the Lowdown on CDC 504 Financing
Constructing a building can be a huge financial undertaking for a small business, an undertaking that many business owners believe is out of their reach. If they realized this could be accomplished th...
By Kurt Chambliss, executive vice president, TMC Financing

Residential | November 2018 
Appraisers Are at a Crossroads
Home sales have steadily increased in the country in the last several years, which means there also has been an increase in the need for appraisals. All signs point to this trend continuing. To...
By James L. Murrett, president, Appraisal Institute

Residential | November 2018 
Don't Lose Your Cool When You Get Audited
You’re going to be audited. Those five words will make the hair on the back of any mortgage originator’s neck stand up. Originators know they can be audited at any time and have come to expect...
By Phil Mastin, assistant vice president and director of regulatory affairs, United Wholesale Mortgage; and Jeff Midbo, senior vice president and chief compliance officer/deputy general counsel, United Wholesale Mortgage

Residential | October 2018 
APIs Are the Software Titans of the Mortgage Industry
Although it’s been more than a decade since the U.S. mortgage crisis first began, new rules and regulations continue to emerge within the mortgage industry. As a direct result, navigating the lending ...
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

Commercial | September 2018 
Prepare for GSE Reform
The future direction of government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac has been a hot-button topic for debate across the multifamily and commercial mortgage industry. Commercial re...
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

Commercial | June 2018 
Alternative Lenders Can Be Your Secret to Success
The compliance costs associated with the Dodd-Frank Act, the Patriot Act, the Federal Reserve’s Comprehensive Capital Analysis and Review and other regulatory constraints are high. Those costs, combin...
By Creighton C. Bildstein, principal, PlattPointe Capital

Commercial | March 2018 
Cybersecurity Isn’t a Luxury Item
One of the last things mortgage professionals would ever want to do is put their borrowers’ personal information at risk as part of the lending process. The consequences of a malicious digital breach ...
By Al Alper, founder and CEO, Absolute Logic

Residential | February 2018 
The Compliance Balancing Act
Lewis Carroll famously said, “If you don’t know where you are going, any road will get you there.” This maxim certainly pertains to mortgage compliance professionals, who play a key role in helping le...
By Britt Faircloth, senior regulatory consultant, Wolters Kluwer

Residential | January 2018 
The Power of Digital Transformation
Digital transformation can mean different things to different people, particularly in the diverse financial-services realm. Loan-processing centers may focus on eliminating paper while retail mortgage...
By Russ Gould, vice president of product and solutions marketing, Kofax


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