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Articles about Risk Management


Residential | May 2017 
Navigating Red Flags
The valuation industry will always involve a human element. Whether it is an experienced appraiser taking note of the physical condition of a roof or a mortgage originator diving into the materiality ...
By Richard Garrie, chief appraiser, United States Appraisals

Residential | May 2017 
Painting a Full Credit Picture
Helping borrowers purchase the home of their dreams or refinance their existing home often comes down to their credit score. Ads and articles all talk about the importance of credit scores for o...
By Carla Blazek, underwriting manager, Inlanta Mortgage

Residential | February 2017 
Growth Often Requires Change
Small, independent mortgage companies encounter a cruel set of consequences when they succeed. As they continue to produce and build a strong reputation, their business begins to grow. This growth in ...
By Adam Thorpe, president and chief operating officer, Castle & Cooke Mortgage LLC

Residential | December 2016 
Managing Property Appraisers
Whether you’re a mortgage originator, investment banker, lawyer, mortgage servicer or mortgage insurer, you have no doubt felt the pressure of substantial regulation when working with appraisers and a...
By George K. Demopulos, president and chief valuations officer, Lincoln Appraisal and Settlement Services

Residential | November 2016 
Closing Agents and Murphy’s Law
Understanding the risks vendors present not only to your business, but to borrowers, has been at the core of the recent focus on vendor management by the Consumer Financial Protection Bureau (CFPB) an...
By Regina M. Lowrie, founder, president and CEO, RML Advisors

Commercial | November 2016 
Regulators Turn Up the Heat
The market is in a good place as we near the end of 2016. Commercial real estate fundamentals, including property prices and vacancy rates, are favorable. Commercial property lending by financ...
By Dianne P. Crocker, principal analyst, EDR Insight

Commercial | November 2016 
Compliance Is a Juggling Act
Because of the past years’ congressional gridlock, few new laws have come to pass. New rules and regulations have continued to flow, however. Players in the commercial mortgage arena should familiariz...
By Rob Seidenwurm, senior vice president of legal outreach, 1st Service Solutions

Residential | October 2016 
Cybersecurity Is Not Enough
In a saturated market like the mortgage industry, client retention is vital. You go to great lengths to ensure that your borrowers’ experiences with you are extraordinary and that they are satisfied w...
By Guy Pearce, managing partner, REData Performance Consulting

Residential | October 2016 
Improving Asset Verification
The loan-origination process has undergone many changes over the past few years. Driven by regulatory requirements, rising consumer demand and a need to become more efficient, several of these changes...
By Jim Mortensen, vice president of the Identity Solutions product line, Early Warning

Residential | October 2016 
Scanning for TRID Risks
With the one-year anniversary of the implementation of the TILA-RESPA Integrated Disclosure (TRID) rules upon us, the mortgage industry is still grappling with the broad-sweeping changes this piece of...
By Phil McCall, chief operating officer, ACES Risk Management Corp.

Residential | October 2016 
Transforming Residential Property Valuation
Technology has shifted many life activities from less-than-ideal processes to more satisfying experiences. Consider buying a car, for example. Years ago, the process entailed driving around town from ...
By Susan Allen, senior vice president, CoreLogic

Residential | August 2016 
The Devil is in the Details
The Consumer Financial Protection Bureau (CFPB) gave notice in an April 2012 bulletin that they would hold mortgage lenders accountable for the actions of their service providers. This cast a large sh...
By Angela M. Murin, president, Commonwealth USA Settlements LLC; and Shanon M. Lake-Catello, chief technology officer, Commonwealth USA Settlements LLC

Residential | May 2016 
Yes, We Can Say ‘Yes’
There is normally a healthy tug of war in the mortgage industry between loan originators and underwriters. Each loan deal brings a lot of pulling back and forth,  with one side eventually winning. The...
By Joseph J. Murin, member of the board of advisors, NewDay USA

Residential | October 2015 
Take Another Look at Risk
We swim in an ocean of technology. Information is easily and instantaneously accessed from virtually anywhere with a data or a Wi-Fi connection. Many people simply use technology as a means to increas...
By Jim Dunkerley, founder and president, FirstFunding

Residential | May 2015 
Streamlining Your Settlement Services
As the mortgage industry scrambles to prepare for this summer’s integration of the Truth in Lending Act and Real Estate Settlement Procedures Act mortgage disclosures, a more subtle change is graduall...
By Alok Datta, president, American Tax & Property Reporting Inc.


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