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Articles about Underwriting

 

Residential | November 2018 
Gig-Economy Workers Deserve Another Look
The gig economy — with its free-lancers, contractors and self-employed workers — is upon us. It’s a career choice embraced by a growing number of people. While these workers are making up a larger sli...
By Tom Hutchens, executive vice president of production, Angel Oak Mortgage Solutions

Commercial | November 2018 
A Blockbuster Moment Has Arrived
Across nearly every industry, the relationship between consumers, suppliers and intermediaries has changed so much over the last decade it’s nearly unrecognizable today. Consider the entertainment i...
By Mitch Ginsberg, co-founder and CEO, CommLoan

Commercial | October 2018 
Follow the Golden Rule
When presenting a loan application to a lender, the watch words are simple. Find hard, factual, detailed numbers from verifiable third parties to support the loan request. Look at marketplace demograp...
By Jerry Sager, senior managing director, First National

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

Commercial | September 2018 
Help Your Clients Cash In
In a rising interest rate environment, borrowers are not looking to refinance out of the low rates they’ve locked in over the course of the past three to five years. With commercial-property values co...
By Miles Farquhar, president and portfolio manager, SC Financial Service

Commercial | September 2018 
Being Prepared Gives You More Financing Reach
As a commercial mortgage broker, lining up financing for cash-flowing properties is generally straightforward. Properties that are not cash flowing (such as a vacant property) and construction loans, ...
By Jonathan Daniel, principal , Knighthead Funding

Residential | June 2018 
Separate Fact From Myth With Reverse Mortgages
There are several common myths about reverse mortgages. Most of those myths, however, are simply the result of a lack of proper understanding of how reverse mortgages work. As a mortgage origin...
By Mark Reeve, vice president of Reverse Mortgage Division, Plaza Home Mortgage Inc

Commercial | June 2018 
Add Value in Down Times
Hotels operate in a cyclical industry that is unusual with respect to more typical real estate properties. That is because hotel real estate is intertwined with an operating business. Consequently, th...
By Jay Litt, president, The Litt Group

Commercial | June 2018 
Emerge With An Alternative
In the latter innings of this current economic cycle, as capitalization rates for acquisition deals are pushed down and, consequently, higher-leverage loans are in greater demand, prospective borrower...
By Bill Lanting, vice president of commercial debt originations, RealtyShares

Residential | May 2018 
The Power of Being Prepared
As the real estate market and mortgage industries continue to evolve, it’s almost certain that the nature of the business will remain competitive. This creates a compelling reason for mortgage origina...
By Kerry Wirth, chief operating officer, Waterstone Mortgage Corp.

Residential | May 2018 
Two Types of Underwriting
Underwriting is just a fancy way of saying, “What are the chances this money I am lending comes back to me and what risks are involved?” At its core, there are two different methodologies in unde...
By Ian Walsh, vice president, Hard Money Bankers LLC

Residential | May 2018 
Are You a Risk or a Reward?
Underwriters are the risk experts of the financial world. Lenders and mortgage companies rely on them to determine if a lending risk is worth taking. Mortgage loans are approved based on a combination...
By Shirleen Von Hoffmann, principal, Home Builders Edge

Residential | May 2018 
Stop Struggling With Underwriters
There is an old adage in the mortgage industry that underwriters look for ways to turn down loans. That is far from the truth. Everyone in a mortgage company — including underwriters — knows ...
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Residential | May 2018 
Underwriting Predictability Is the Elephant in the Room
In the aftermath of the 2008 housing crisis, Congress imposed consumer protection rules on mortgage loan originators that made the underwriting process more complicated and riskier. Financial problems...
By Scott Olson, executive director, Community Home Lenders Association

Residential | May 2018 
Predictive Analytics in Underwriting
Underwriting has traditionally necessitated a fine balance between “art” and “science,” requiring insights from historical trends as well as assessments of individual circumstances. As underwriting de...
By Brian Kucab, director of underwriting, Genworth Mortgage Insurance

 
 

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