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Articles about Banking


Commercial | February 2009 
Dos and Don'ts for Surviving a Lenders' Market
Although commercial mortgage brokers now face a lenders' market, good loans are still finding financing. Lenders may be more cautious in the deals they choose to fund, but you still can attain fundi...
By Jerry Sager, senior managing director, First National

Commercial | February 2009 
Hard Money Gone Soft
In the past, commercial mortgage lending encompassed two extremes. On one end, banks had the lowest rates with the highest documentation requirements. At the opposite end, hard-money lenders require...
By Milton Franklin, founder and president, Commercial Mortgage Exchange Inc.

Commercial | July 2014 
From the Editor
Try to relieve that distressed feeling. The market crash that followed the recession left many types of damage for the commercial real estate industry to clean up and recover from. Although recov...
By Kurt Stephan, editor, Scotsman Guide Media

Commercial | July 2014 
Bankruptcy and Receivership Basics
Even though the economy is rebounding, distressed property remains an issue in the commercial real estate market. Mortgage professionals who are the most knowledgeable about ways to work around troubl...
By Kelley McLaren, chief administrative officer, Trigild

Commercial | July 2014 
Get Real About Want and Need
Anyone who has ever been shopping in the presence of a young child has seen what happens when want overrides need. Children tend to want everything that catches their eyes, but parents know better wha...
By David Kocharhook, vice president of sales, 1st PMF Bancorp

Commercial | July 2014 
Net-Lease Strategies: Know the Signals
With the economy largely back on track, interest in net-lease investments appears to be at an all-time high. Cap rates are being realized at unheard-of levels. For commercial real estate investors, it...
By Doug Kinson, director, net-lease investments, Calkain Cos.

Residential | June 2014 
Take Calculated Steps Toward Banking
For a multitude of reasons, many mortgage brokers nationwide are taking the plunge into mortgage banking. As mini-correspondent lenders, these emerging bankers face a different set of regulatory guide...
By Ken Jones, senior vice president, mortgage banking and warehousing lending, First Guaranty Mortgage Corp.

Residential | May 2014 
The Next Big Banking Innovation
From ATM machines to online bill payment, revolutionary innovations in the banking sector are often characterized by three traits: They reduce operational costs for banks; they give borrowers more c...
By Ed Blanch, team leader, First Home Agency LLC

Residential | May 2014 
Weathering the Storm
Community banks serve a unique financial niche in local markets. Holding the insider position on the economics and finances of the members of a local community can give them a powerful relative advant...
By Judy Wheatley, senior vice president of compliance, Indecomm Global Services

Commercial | May 2014 
Escape the Lending Gap with Bridge Loans
Many people, including new commercial mortgage professionals, misunderstand the purpose of a bridge loan. Understanding and utilizing bridge loans, however, is important because they can be effectiv...
By Don Pelgrim, owner and CEO, Wilshire Finance Partners; and Brian Murphy, senior vice president of sales, Wilshire Finance Partners

Commercial | May 2014 
Determine Your Own Lending Destiny
In many cases, the urgency of an immediate cash need does not give property owners — especially in the special-asset commercial real estate niches of hospitality, gas stations and golf courses — suf...
By Jerry Sager, senior managing director, First National

Residential | April 2014 
Plan for the Long and Winding Road Ahead
For years, mortgage brokers and bankers have been using a number of tried-and-true forms when originating a loan and disclosing information to their clients. In accordance with the Real Estate Settlem...
By Heather Kerns, director, Actualize Consulting

Residential | April 2014 
Pay Attention to Third-Party Relationships
This past October, the Office of the Comptroller of the Currency (OCC) issued a bulletin that provided specific and detailed guidance for the oversight of third-party relationships. As many originator...
By Greg Reynolds, chief appraiser, MyAMC

Commercial | January 2009 
Relationships to Bank On
The commercial lending market is constantly changing. In fact, it seems like recently issued guidelines, policies, advances in risk assessment and overall lending practices are changing almost as ra...
By Gina Koenen, vice president, commercial loan and marketing officer, Provident Bank

Commercial | March 2014 
Find a Smart Way to Bootstrap a Business
A business has a few choices when it runs into cash-flow problems. It can use other people’s money to solve the problem, selling off pieces of the business to an investor. Or it can go into debt to ...
By David Kocharhook, vice president of sales, 1st PMF Bancorp


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