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Articles about Mortgage Applications


Commercial | September 2019 
It Pays to Shop Around
Most bridge lenders are fundamentally alike in one respect. They provide short-term capital at above-market interest rates. Those rates reflect the service that bridge lenders provide: the ability to ...
By Billy Meyer, managing director of real estate lending, Columbia Pacific Advisors

Commercial | August 2019 
Shift Your Loan Into High Gear
As summer comes to a close, you may be feeling more frustrated than usual with your lender partners. Given vacations and scheduling conflicts, the summer months are often one of the hardest times of t...
By Jerry Sager, senior managing director, First National

Residential | August 2019 
Gain a Competitive Edge from New Mortgage Application
For the first time in nearly two decades, Fannie Mae and Freddie Mac are making major changes to the application form that borrowers use to obtain a mortgage. These changes, in partnership with the mo...
By John Haring, director of product management, Ellie Mae

Residential | July 2019 
Keep the Conversation Going
An overhaul of the home loan application form used by Fannie Mae and Freddie Mac also aims to make the document accessible to a growing number of bor- rowers who speak English on a limited basis. Here...
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

Residential | June 2019 
Nonbank Lenders Are Building Momentum
Where borrowers go mortgage shopping increasingly determines if they will get financing. The median FICO score for bank borrowers was 745 in February 2019, according to research from the Urban I...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Residential | May 2019 
Should You Integrate Blockchain Into Your Business?
There’s a change coming to the mortgage industry in the form of blockchain technology. Although its implementation thus far generally has been slow, the vast amount of positives that blockchain offer ...
By Sabine Ghali, managing director, Buttonwood Property Management

Commercial | March 2019 
Close More Loans by Becoming a FICO Master
FICO credit scores are used by most lenders to determine credit risk and the interest rate that borrowers will be charged. Your clients have three distinct FICO scores from each of the three credit bu...
By Lukas Bull, credit analyst, Prime Commercial Lending

Commercial | March 2019 
Navigate the Paper Shuffle of Financing
The United States is considered one of the largest construction markets in the world, with the construction industry serving as a major contributor to the nation’s economy. It is estima...
By Garry Barnes, director, PW Partners Consultancy

Commercial | December 2018 
The Loan-Closing Process Can Be Fast-Tracked
The commercial mortgage industry typically slows down from November through mid-January, compared with the rest of the year. There are holidays, extended vacations, family travel and celebrations — al...
By Milton Franklin, founder and president, Commercial Mortgage Exchange Inc. (CME)

Residential | October 2018 
The Digital Mortgage Domino Is About to Fall
Here’s a story with a direct bearing on the mortgage industry. A consumer recently went through the experience of buying a car online. He kept a log of every activity within the process. He found and ...
By Jennifer Henry, vice president and vertical marketing leader, Equifax Mortgage Services

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 | March 2018 
Technology and Transparency
In a recent survey, the National Association of Realtors (NAR) found that three of the top concerns of modern homebuyers are the following: understanding the homebuying process, completing the paperwo...
By Eric Egenhoefer, president and CEO, Waterstone Mortgage Corp.

Residential | February 2018 
Tips for Buying Online Leads
For the mortgage industry, 2017 was a year of transition. Interest rate increases, global unrest and environmental disasters led to market fluctuations. Volatile rates and tightening refinance volumes...
By Eli Schwarz, senior director of enterprise partnerships, Jornaya

Residential | January 2018 
The Era of the Digital Originator
Lending institutions in the United States have been providing money for personal necessity since 1781. Initially, these institutions solicited and sold loans directly to consumers. As lending and mort...
By Debbie Hoffman, co-founding partner, Symmetry Blockchain Advisors LLC; and Alexandria Decatur, subeditor, Albany Law School Journal of Science and Technology

Commercial | October 2017 
Hotel and Resort Lending is No Vacation
Entering the summer of 2017, lending sources for hotel and resort projects were sensing some turbulence. Since the financial debacle of 2008-09, the hotel industry has made giant strides in recapturin...
By Jay Litt, president, The Litt Group


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