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Articles about Mortgage Banking


Commercial | September 2019 
It Pays to Shop Around
Most bridge lenders are fundamentally alike in one respect. They provide short-term capital at above-market interest rates. Those rates reflect the service that bridge lenders provide: the ability to ...
By Billy Meyer, managing director of real estate lending, Columbia Pacific Advisors

Commercial | August 2019 
Shift Your Loan Into High Gear
As summer comes to a close, you may be feeling more frustrated than usual with your lender partners. Given vacations and scheduling conflicts, the summer months are often one of the hardest times of t...
By Jerry Sager, senior managing director, First National

Residential | January 2019 
Hybrid-ARM Rates Need Some Attention
Interest rates have been so low for so many years that, until recently, fixed-rate mortgages were chosen by almost all homebuyers. With home prices still increasing and mortgage rates up almost ...
By Dick Lepre, senior loan adviser, RPM Mortgage

Commercial | January 2018 
Viewpoint: Commercial Real Estate Remains on Solid Footing
The commercial real estate market has experienced substantial growth and evolution, and continues to be a vital sector of the U.S. economy. As evidence of that fact, according to research by the Mortg...
By Rodrigo Lopez, executive chairman, AmeriSphere Properties

Residential | January 2018 
A Window of Opportunity
In the years after the mortgage crisis, regulatory requirements tended to disfavor independent mortgage originators and small mortgage companies. Everything from the Good Faith Estimate, the loan-orig...
By Terri Buckman, senior vice president of the national wholesale and non-delegated correspondent division, Finance of America Mortgage LLC

Residential | February 2017 
Seize the Business Day
We’ve all heard the terms proactive and reactive. Most of us would agree that a proactive mortgage originator has a far better chance of success in this business than a reactive one.  Y...
By Doug Smith, president, Douglas Smith & Associates

Commercial | January 2017 
Regulatory Launch
The National Credit Union Administration (NCUA) has hatched new rules affecting how credit unions operate in the commercial mortgage market. Recognizing credit unions’ growing stake in business loans,...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Residential | January 2017 
The Landscape Is About to Change
Jeff Bezos, CEO of Amazon, while speaking at the 2016 Code Conference this past May, said you should be “stubborn on the vision and flexible on the details.” By this, he meant that having a clear and ...
By Loren Picard, Fintech consultant

Commercial | August 2016 
Building Trust Can Boost Your Career
Former Federal Reserve Chairman Alan Greenspan once said a company’s value amounts, at its most basic level, to “capitalized reputation.” In other words, trust is a company’s most valuable asset. This...
By David Kocharhook, vice president of sales, 1st PMF Bancorp

Commercial | August 2016 
Become a Product Champion
Regardless of whether loan originators work at large or small mortgage brokerage companies, they are taught about all the company products. Everyone gets the quintessential “liberal arts degree” in th...
By Melissa Foxall, underwriter, APEX Mortgage Corp.

Commercial | August 2016 
Embrace the Basics of Career Planning
The economy continues its modest growth rate, and dealmakers are seeking to maximize income potential. In such an environment, it’s easy to lose sight of the future in the rush to make hay in th...
By Sharon Krohn, leadership coach, executive search consultant and principal, Sharon Krohn Consulting

Residential | July 2016 
Bad Timing Boosts Home-Loan Costs
The cost of implementing the Truth in Lending Act and Real Estate Settlement Procedures Act Integrated Disclosure (TRID) rules has received a lot of attention in the mortgage industry. The new disclos...
By Michael Delehanty, chief financial officer, Community Home Lenders Association

Residential | July 2016 
Polish Those Defective Loans
The Consumer Financial Protection Bureau (CFPB) has a worthwhile goal of providing consumers with a more predictable and transparent mortgage process. Unfortunately, in the nine months since the imple...
By Jeff Bode, owner and CEO, Mid America Mortgage Inc.

Commercial | July 2016 
Make Your Lender Your Partner
In many ways, these seem like auspicious times: The economy is stable, construction is up and loans for many commercial property acquisitions are easier to get. Stalled projects have moved forward and...
By Jerry Sager, senior managing director, First National

Residential | January 2016 
Say ‘Yes’ To Small-Business Owners
For big banks, small-business owners can be tricky. Their income may be difficult to verify by standard methods. Their credit scores may be lower than other borrowers. In all, despite potentially high...
By Denis G. Kelly, senior vice president of correspondent/national wholesale, Sprout Mortgage


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