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Articles about Underwriting


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

Residential | December 2017 
Is That Property Even Legal?
The topic of zoning often brings confusion to everyone involved in the origination process. Loan originators should be aware of potential problems. Questions often arise as to whether a property is le...
By Richard Garrie, chief appraiser, United States Appraisals

Commercial | November 2017 
Small-Balance Deals Need the Right Champions
For commercial mortgage brokers who typically close residential or large-balance commercial mortgages, small-balance mortgages for non-bankable borrowers might initially seem too difficult. Because no...
By Patrick Seymour, vice president, APEX Mortgage Corp.

Commercial | November 2017 
Find the Right Audience for Senior-Housing Deals
Entering fourth-quarter 2017, the senior-housing and care industry remained active. This sector is comprised of independent and assisted living, memory care, nursing care, or any combination of these ...
By Bennett Johnson, vice president and practice leader, CBRE

Commercial | October 2017 
Cut Through the Mortgage Matrix
For the company that originates a commercial mortgage loan, the process is very document-driven. Between the promissory note, lender documents and third-party documents, there are a lot of pages that ...
By Tommy Snyder, president, 1619 Capital Partners

Residential | October 2017 
Valuation Goes Digital
All around us, technology has become integral to our lives. We shop online, pay bills from our computer, make restaurant reservations without talking to anyone and hail car rides with the push of a bu...
By Paul Doman, president and CEO, Accurate Group

Commercial | September 2017 
Construction Loan in Two Steps
Typically, there are two different loan types required to finance a building project. Construction loans provide only temporary financing and are expected to be paid off when the building is rea...
By Garry Barnes, director, PW Partners Consultancy

Residential | September 2017 
Streamline Your Refi Business
Although refinance business has declined in general over the past year, it still represents a significant portion of the mortgage origination market, particularly during the purcha...
By Rey Maninang, senior vice president and national sales director, Carrington Mortgage Services LLC

Commercial | August 2017 
Private-Equity Debt Can Save the Day
Private-equity real estate debt financing is on the rise. Preqin’s 2017 Global Real Estate Report indicates that aggregate debt-focused target (or optimal) capital increased by 6.45 percent year over ...
By Stephen Counts, vice president, Envoy Net Lease Partners; and Ralph Cram, president and manager, Envoy Net Lease Partners

Commercial | July 2017 
Become an SBA Loan Superhero
Entrepreneurs and small businesses are a vital part of the U.S. economy. The nation’s 28 million small businesses account for 54 percent of all domestic sales, provide 55 percent of all jobs and have ...
By Shane Pierson, regional sales manager, First Bank SBA

Residential | June 2017 
Lose the Loan, Not the Lesson
Mortgage guidelines change so often that it can sometimes be hard to keep up with them. Loan originators are not expected to know every underwriting guideline, but they should at least know the basics...
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Residential | June 2017 
An Old Dog Learns New Tricks
The title and settlement industry has been protecting the property rights of buyers and sellers since the 1800s. It is an industry categorized by local relationships and marketing efforts that often a...
By Jim Paolino, founder and CEO, LodeStar Software Solutions

Commercial | June 2017 
Energy’s Hidden Risks and Rewards
Residential and commercial buildings accounted for about 40 percent of the nation’s total energy consumption in 2015, according to the U.S. Energy Information Administration. The $400 billion spent ea...
By Cindy Zhu, fellow in the Building Technologies Office, U.S Department of Energy; and Holly Carr, energy technology program specialist, U.S Department of Energy

Commercial | June 2017 
Keep Your Eyes on the Finance Prize
As commercial mortgage loans become a more popular option for borrowers, there are many opportunities for brokers to place loans for individuals who may not be able to borrow from a traditional lender...
By Yanni Raz, CEO, HML Investments


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