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Articles about Loan Modifications


Commercial | October 2018 
Protect Your Clients’ Profits
Anyone advocating for a commercial real estate borrower — especially mortgage brokers and lenders who influence the front end of a loan scenario — should be aware of some common misconceptions about c...
By Ann Hambly, founder and CEO, 1st Service Solutions

Residential | May 2016 
The Death of Refi Is Greatly Exaggerated
With interest rates expected to increase from their historic lows as this year progresses, many originators are working to retool their loan-production game plans to target home-purchase loans over re...
By Darrin Stobaugh, consultant

Residential | October 2008 
The Lowdown on Loan Mods
As loan originations continue to stagnate, mortgage brokers are continually trying to find ways to increase business. One option for brokers is helping clients who risk foreclosure. Many...
By Samuel T. Carlson, director of public and media relations, Loan Processing Center Inc.

Residential | July 2008 
Client Turned Away? Try Loan Modification
Mortgage professionals have seen the market swing dramatically in the past decade. Lending guidelines have swung from progressive to reactive, and equity has gone from unused to overextended. ...
By Brian King, vice president of communications, ModCo

Residential | September 2009 
Guiding Loan-Mod Clients: 11 Tips
Until early 2007, most loan servicers and lenders either had a small loan-modification department or none at all. Moreover, most consumers had never heard of loan mods. Recently, however,...
By Ray Williams, president and founder, Greenway Capital Management

Residential | July 2009 
Q&A: Patrick J. Lawler, Federal Housing Finance Agency
A year ago this month, the Federal Housing Finance Agency (FHFA) was born as regulator of Fannie Mae, Freddie Mac and the Federal Home Loan Banks. Since then, it has aimed to help stabilize the hous...
By Ivanna C. Sukkar, editor, Scotsman Guide Media

Residential | June 2009 
Dig Deeper with Technology
It's challenging to predict  where this economy is headed, given the crises in the housing sector and in consumer confidence. Many borrowers who believed they had enough income and stability to buy...
By Steve Grant, president, Credit Plus Inc.

Residential | June 2009 
The Benefits of Referring Loan Mods
Many homeowners live  paycheck-to-paycheck. In today's economy, this places many at great risk when they face reduced income or increased debt from hardship conditions. These hardship conditions ca...
By Arvin Wijay, CEO, Retreat Capital Management

Residential | December 2014 
Providing Hope for Distressed Borrowers
The number of homeowners who are in mortgage distress has dwindled over the past two years, but recent RealtyTrac data shows that millions of residential properties are still seriously underwater. The...
By William P. Matz, Attorney and Broker

Commercial | May 2009 
Modification Breakdown
As short-term adjustable notes come due and as more businesses close their doors because of the current economy, many of your clients will be unable to cover the traditional 1.2 debt-service-coverag...
By Brian Rassi, managing member, Nationwide Business Consultants LLC

Residential | March 2009 
Beyond the Loan-Mod Buzz
Many mortgage brokers  are receiving calls from clients who have heard about loan modifications. These borrowers often want to know if they can get a modification to reduce their mortgage principal...
By Dawn Baker, principal, Dawn Baker Consulting; and Troy Terpening, California-licensed attorney and real estate broker, Law Offices of Troy Terpening

Residential | February 2009 
Gridlock: The New Era of Loan Modification
At the height of the housing boom, foreclosures seemed to be a thing of the past, and appreciating home values were considered a given. The good ol’ days, however, are history. Today, a backlo...
By Richard Zahm, director, Covendium

Commercial | February 2014 
When the CMBS Market Plays Musical Chairs
Nearly everyone has played the game of musical chairs at some point in their lives. When the music stopped, the unfortunate participant who ended up without a chair at the end of a round had to sit ou...
By Ann Hambly, founder and CEO, 1st Service Solutions

Commercial | August 2010 
3 Ways to Add Value for Cash-Strapped Clients
With the economic downturn and the decline in property values across the board, the lending outlook for small-business owners seems rather bleak. The downturn has been a major wakeup call for mortgage...
By Christopher Perez, loan consultant, NFRC Ventures

Residential | July 2013 
Stated-Income Loans: A Reemerging Niche?
With the market’s recovery seemingly gaining momentum, several niche markets that had fallen to the wayside are becoming prevalent once again. Among them are stated-income loans, which until recently ...
By Yanni Raz, CEO, HML Investments


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