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Articles about Risk Management


Commercial | November 2013 
Putting Your Old Due Diligence Out to Pasture
Introducing change isn’t easy, but in many cases there is no way around it. The traditional real estate due-diligence process has been delivering for decades, but the demands of the modern real estate...
By Mark H. Fackler, president, AZLAND Business Solutions LLC

Residential | December 2013 
Finding the Key to Mitigate HELOC Risks
This past September, the Office of the Comptroller of the Currency (OCC) deputy comptroller for credit and market risk identified home equity lines of credit (HELOCs) as a major point of concern for t...
By Allen H. Jones, managing director, RiskSpan Inc; and Leah Price, consultant, RiskSpan Inc

Residential | July 2013 
Taking the Heat Off Buyback Demands
In the aftermath of the housing crisis, Fannie Mae and Freddie Mac issued repurchase requests on nearly $100 billion in mortgages. Not surprisingly, this caused many lenders to look toward the future ...
By Allen H. Jones, managing director, RiskSpan Inc; and Leah Price, consultant, RiskSpan Inc

Residential | July 2013 
Finding and Defining Today’s Normal
Each month, the National Association of Realtors (NAR) surveys thousands of its members about the difficulties that their clients are having in getting a mortgage. One finding in particular has been p...
By Steve Cook, managing editor, Real Estate Economy Watch and UPI Real Estate

Residential | June 2013 
Entering the Era of Consumer Protection
As more regulations and policies come forth from the Consumer Financial Protection Bureau (CFPB), it is apparent that real change has come to the mortgage industry. The CFPB’s demands on lenders for t...
By Richard Peter Stevens, leader, Insurance Regulatory Practice Group at Jones Waldo Holbrook & McDonough; and Andrew Liput, president and CEO, Secure Settlements Inc.

Residential | June 2013 
Are Bigger Loans Better for Business?
The housing crisis affected every corner of the mortgage industry, but especially the jumbo-loan niche. After the mortgage meltdown, credit was tight, and lenders were often unwilling to take on the a...
By Mary Kladde, president, Titan Capital Solutions

Commercial | November 2010 
Reform’s Reach
Since the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act this past July, there has been much confusion and speculation about its possible impact on commercial real estate. Th...
By Lauren Rushak, partner, Thorp Reed & Armstrong LLP

Commercial | April 2010 
What Indemnification Means to You
Risk is inherent in any business, including commercial mortgage lending. In fact, an important function of a commercial loan contract is to allocate risk among the parties. This accounts for factors t...
By Alan M. Burger, member, McDonald Hopkins LLC; and Nancy Nicole Workman, attorney, McDonald Hopkins

Commercial | March 2010 
How Insurers Assess Property Risk
Insurance companies look at several factors when determining a property's potential risk and deciding whether to insure a property. In helping their clients, mortgage brokers should understand what in...
By Marc A. Cisneros Jr., CEO and co-owner, CS Innovative Insurance Solutions

Commercial | February 2010 
How Lenders Mitigate Default Risk
Mortgage brokers who work on construction loans likely are fielding many questions from clients about the wave of defaults and foreclosures in the sector. It is therefore essential for brokers to unde...
By Damian Wach, managing director of asset management and REO, Eurohypo AG

Commercial | February 2010 
Risk Through Lenders' Eyes
In recent months, risk management has taken on greater weight in the mortgage-lending equation. Although many mortgage brokers still dismiss risk management as a "bankers' concern," this kind of think...
By Ken Patterson, senior vice president, Small Business Capital

Commercial | February 2010 
What Goes into a Quality Cost Review
For mortgage brokers helping their clients find funding for construction projects, it is essential to know and understand these projects' risk and exposure from the start. One way lenders will seek to...
By Diana Clark, vice president and chief financial officer, Construction Inspection Specialists

Commercial | February 2010 
Fixed Rates: Friend or Foe?
With commercial mortgage-backed securities transactions picking back up in recent months, historically low long-term Treasury rates and declining spreads for commercial real estate loans, the opportun...
By Todd Sears, chief financial officer, Herman & Kittle Properties Inc

Residential | November 2010 
Avoid Buyback Demands and Prosper
With reduced competition for market share and interest rates near record lows, now is a great time to be a mortgage broker. It's also a dangerous time. Today's plentiful housing inventory makes it ...
By Cindi Dixon, CEO, Mela Capital Group

Residential | October 2010 
3 Ways to Minimize Risk
Regulatory changes and quarterly fraud losses totaling in the billions of dollars can leave even the most-seasoned mortgage brokers scratching their heads. Also, many lenders say minimum loan deliveri...
By Cindi Dixon, CEO, Mela Capital Group


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