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Articles about Underwriting

 

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, exective 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

Commercial | May 2018 
Eco-Consciousness Is Within Reach
The combination of higher interest rates, compressed cap rates and increased operating costs have forced many players in the commercial real estate sector to search for alternatives to save on financi...
By Igor Zhizhin, president, American Street Capital LLC

Commercial | May 2018 
Tech is Transforming Small-Balance Lending
The commercial real estate finance industry has traditionally been a sluggish innovator — a sector that has been slow to pioneer cutting-edge improvements or advancements. That is no longer the case, ...
By Pat Jackson, CEO, Sabal Capital Partners LLC

Commercial | May 2018 
The Power of Green
Energy efficiency in buildings is one of the most powerful resources for achieving the world’s environmental goals. It also is an incredible economic opportunity for commercial real estate investors. ...
By Panama Bartholomy, director, Investor Confidence Project

Residential | April 2018 
Reduce Processing Headaches
One of the biggest problems facing mortgage originators, especially those who work independently or for small mortgage companies, is the time they must spend processing loans. Some originators get han...
By Suzanne Okun, president, Premier Processing LLC

Residential | February 2018 
Operations Keeps the Ball Rolling
Ask a group of CEOs who the most valuable employees are in their mortgage offices and, more than likely, most will say it’s the mortgage originators, which makes perfect sense. Originators are hi...
By Laura Fellman, senior vice president of operations, Churchill Mortgage

Residential | January 2018 
Go All-in With Digital Technology
The mortgage industry has been moving in piecemeal fashion toward achieving the dream of the 100 percent digital mortgage experience. Artificial intelligence (AI), cognitive engineering and pre...
By Gabe Minton, executive vice president and chief information officer, Guild Mortgage

 
 

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