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Articles about Underwriting


Residential | January 2017 
Opportunity Through Innovation
The loan-approval process is fraught with problems from the perspective of mortgage originators and borrowers. Why does it take 45 to 60 days to get a mortgage, when a car loan or credit card can be s...
By James M. Deitch, CEO and co-founder, Teraverde Management Advisors

Residential | November 2016 
Get the Service You Deserve
Loan originators are generally not valuation experts, although at times they must feel like they have to be. When an issue with an appraisal affects a loan or a closing date, it is typically the mortg...
By William Fall, founder and CEO, William Fall Group

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 | October 2016 
Underwriting Doesn’t Conform to Static Rules
Changes in the economic climate often cause changes in the guidelines used by commercial loan underwriters. When the economy is robust and growing, lenders and underwriters are often more willing to b...
By Stephen A. Sobin, president and founder, Select Commercial Funding LLC

Commercial | October 2016 
6 Ways to Speed Up Funding
Although the steps involved in funding approval are similar for most commercial real estate mortgages, the amount of time it takes to close can vary among loans by weeks, or even months. The fastest r...
By Corey Fueston, account manager, Civic Financial Services

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 
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

Commercial | September 2016 
How to Become a Master at Evaluating Property Value
Evaluating the value of a property based on sales of comparable property is an essential skill for mortgage brokers and their investor clients. But many investors buy property without the sort of basi...
By Ian Walsh, vice president, Hard Money Bankers LLC

Residential | September 2016 
Reduce the Onslaught
Every year the Consumer Financial Protection Bureau (CFPB) publishes the Consumer Response Annual Report, which summarizes complaints generated through the CFPB Consumer Complaint Database. The 2015 r...
By Alan Bercovitz, founder, Guaranteed Mortgage Quote

Commercial | August 2016 
Ask the Right Questions Upfront
It happens all too often. A mortgage broker submits a commercial-property loan proposal to a lender and, at some point in the process, the deal falls apart for one reason or another. More often ...
By Rob Diodato, president, York Commercial Finance

Commercial | July 2016 
Putting a Price on Green
High-performance, or green, commercial buildings are consuming an ever-increasing share of the commercial real estate market. Whether these projects come online via retrofits or new construction, this...
By Scott Robinson, 2016 president, Appraisal Institute

Commercial | July 2016 
Private Lenders Bulk Up
Private-debt lenders are doing more of the heavy lifting in commercial mortgage finance, as the commercial mortgage-backed securities (CMBS) market contracts and the other large institutional lenders ...
By Clark Briner, founder and CEO, Revere Capital

Residential | June 2016 
Collateral Underwriter Is Helping to Foster Appraisal Clarity
When Fannie Mae launched its appraisal risk-assessment tool Collateral Underwriter (CU), there was a lot of apprehension among many lenders and appraisers that this new process would imp...
By Penny Pitts-Duyan, vice president of the Southwest Fulfillment Center, Mountain West Financial Inc.

Commercial | June 2016 
Find Value in the Balance
Establishing the value of commercial property can be a quarrelsome and time-consuming process, but there are effective methods of standardizing measurements and smoothing the valuation process. T...
By Jindou Lee, CEO, HappyCo

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


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