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Articles about Banking


Commercial | March 2016 
Referral Networks Are the Cornerstone of Business Growth
One of the most important factors in the success of any commercial mortgage originator is the ability to fully develop a referral network in order to close more commercial real estate loans. Without a...
By Bob Worthington, director of business development, APEX Mortgage Corp

Commercial | March 2016 
What’s in Your Lending Mix?
A  direct lender’s decision on whether to fund a loan is based on a few limited and straightforward factors, primarily related to loan-to-value (LTV) ratios and debt-service-coverage ratios (DSCR). Th...
By Jerry Sager, senior managing director, First National

Commercial | February 2016 
Regulations, Prices and Competition Shape Bank Lending in 2016
Key Points Lending...
By Ashley Gunn, senior banking analyst, American Bankers Association

Commercial | February 2016 
Develop a Spirit of Independence
For decades, hotel operators and investors, as well as the mortgage originators who arrange the financing, have put great stock in the power of a well-marketed brand name. Some operators are finding t...
By Steven Marx, president and founder, Hotel Source Inc.

Commercial | February 2016 
Knowing Your Niche Can Bolster Your Business
Picking a niche for your commercial mortgage business is a wise idea. The reason? This is an industry that requires a certain depth of expertise to not only survive, but to thrive. And because the var...
By Joe Mardesich, senior vice president, Harvest Small Business Finance LLC

Commercial | February 2016 
The Playbook Is Changing for High-Volatility Loans
Last year, the Federal Deposit Insurance Corp. (FDIC) implemented its Regulatory Capital Rules , a new set of directives intended to address regulatory deficiencies that contributed to the 2008 bankin...
By Mark Reese, vice president, Buchanan Street Partners

Commercial | December 2015 
Nonbank Lenders Take Center Stage
During the past seven to eight years, there has been a slow evolution of the commercial real estate financing process. This change was so gradual that it remained unnoticeable, except to those few ind...
By Milton Franklin, founder and president, Commercial Mortgage Exchange Inc.

Residential | May 2015 
The Art of the Business-Loan Package
Relationships are the foundation of any successful business, and this is especially true in the mortgage industry. You need motivated employees, good system support, satisfied customers — ideally, rep...

Residential | March 2015 
Mobile Banking Steps out of the Shadows
Trying to predict trends in the mortgage industry is like trying to count the grains of sand on a beach: It’s technically possible, but with so many factors to consider, it’s almost impossible to get ...
By Rajesh Bhat, CEO, Roostify

Commercial | November 2004 
Reverse 1031 Exchanges: Avoiding Capital Gains Taxes in a Seller’s Market
1031 exchanges are wonderful if everything goes according to plan. But, when you’re in a seller’s market, finding and closing a deal on a new investment property in 180 days or less can be quite a ...
By Phil Sblendorio, senior vice president, Farmers & Merchants Bank

Residential | November 2004 
A Smooth Transformation
The transition from mortgage broker to banker is a good example of the adage, “Change does not come naturally.” However, a smooth transition can be a great accomplishment that radically transforms a...
By William Alvaro, CEO, Global Home Loans and Finance

Residential | March 2004 
When is an Application Really an Application?
When is an application really an application?  I wish it was easy.  Unfortunately, different regulations have different definitions for “application”.  And these differing definitions have different i...
By James D. Russell, CPA, managing partner, MTG Consult

Residential | March 2004 
The Realtor Sales Meeting
You did it!  You have successfully badgered the broker in a real estate office for seven consecutive months, and he/she finally acquiesced and is going to let you address the sales meeting—despite the...
By Dave Hershman, director, OriginationPro Mortgage School

Residential | February 2004 
Progressive Title Companies see the Value in Alternative Solutions in Troubling Times
As climbing refinancing rates signal the end of the two-year “Re-Fi Boom”, title companies across the nation are beginning to seek alternative means to reduce costs and maintain revenue growth in a sl...
By Aaron Wilson, President and CEO, Financial Strategies, Inc.

Residential | February 2004 
The Mystery of the 8 x 8 Storage Locker
It was Monday, January 10, 2004, about 9:30 a.m. QC and I were returning to the office from an early morning appointment when our trusty person Friday, Lucy, said, “MAC, Will Jones from ABC Mortgage i...
By Ben Slayton, executive vice president, QC-MAC Quality Control Management Assurance Corp.


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