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Articles about Mortgage Applications


Residential | January 2007 
How to Implement a S.M.A.R.T. Strategy
Industry experts project that loan originations declined by 14 percent in the past year— and that’s a conservative estimate. This is on top of the 19-percent decline that took place the previous yea...
By Peter Phelps, CFO and COO, Next Online Mortgage Technologies Inc.

Residential | November 2008 
FSBOs Can Add Fizz to Your Biz
In a tight market, even top producers and old pros are searching for new ways to find consumers who need financing. That’s why working with for-sale-by-owner (FSBO) sellers can be a smart addition t...
By Molly Greene, independent writer, real estate industry

Commercial | October 2008 
8 Creative Financing Methods (and How to Find Them)
In the past few months, a number of mortgage brokers likely have considered going into a new line of business. The value of real estate continues to tumble with no signs of the end to the plunge in ...
By Milton Franklin, founder and president, Commercial Mortgage Exchange Inc.

Residential | August 2008 
The Risks We Take
The mortgage industry continues to face unprecedented risk levels. Credit continues to tighten as a protection against the ongoing fall in home prices, and home prices continue to fall because of ti...
By Kevin Parra, president and CEO, Plaza Home Mortgage Inc.

Residential | July 2008 
When to Hold Them, When to Fold Them
As the economy constricts and lenders tighten their underwriting criteria, brokers are finding that they must present higher-quality loans than before. And, as such, many are seeing their loan volum...
By Manuel V. Sicre, chief financial officer, EMP Medical Services and Central Medical Equipment Rental

Residential | May 2008 
Q&A: Kim Herman, National Council of State Housing Agencies
According to NCSHA President Kim Herman, state housing-finance agencies “provide affordable options that wouldn’t otherwise be available to people to buy and rent homes.” He explains how state agenc...
By Melinda Young, associate editor, Scotsman Guide Media, Inc

Residential | April 2008 
How to Qualify Self-Employed Borrowers
The credit crunch, which has stifled many mergers and acquisitions between big companies, is now putting the squeeze on self-employed borrowers. Many of these small-business owners rely on home-equi...
By Peter Hébert, author, Mortgaged and Armed

Residential | April 2008 
The Deal May Go On
Imagine you are halfway into a refinance or purchase transaction. The title policy arrives, and you have no reason to believe there will be any issues because your clients did not reveal any -- nor ...
By Chan B. Masselink, president, Falls Mortgage LLC

Commercial | March 2008 
Turn In and Stay Tuned
You may think that your work on a commercial loan is finished once you have completed an application and prepared a complete financing plan for your borrowers. But this is not the case. You are done...
By Andrew Bogdanoff, chairman, Remington Financial Group Inc

Residential | February 2008 
We’re Not in the Clear -- Yet
It has been many years since the United States has seen a major downturn in the housing market such as the one taking place today. The U.S. Office of Thrift Supervision predicts that between $300 bi...
By Paul Warner, partner, Jeffer, Mangels, Butler & Marmaro LLP

Residential | November 2009 
New-Look Origination Charges Coming Soon
Mortgage brokers will wake up on Jan. 1 to a new world of regulation. That's the date on which all brokers must start using the U.S. Department of Housing and Urban Development's (HUD's) new good-fa...
By Richard Smith, loan originator, Churchill Mortgage

Commercial | December 2009 
Defy Defeasance Dilemmas
Borrowers looking to exit an existing real estate loan in today's market often are motivated to refinance or sell as soon as an opportunity presents itself.  This desire to lock in an exit is jus...
By Jodi Eppler, director of defeasance services, Chatham Financial

Commercial | September 2009 
Fix Funding Woes with a Personalized Approach
At a time when commercial borrowers have an unprecedented need for cash, they face the harsh reality that the more-traditional sources of capital have dried up. Brokers, by the same token, are recogni...
By Irving Diaz, founder and senior managing director, SouthOne Capital

Residential | December 2014 
Hold Onto Your Profits
For mortgage lenders, the game has changed. New requirements by investors and regulators alike have forced industry professionals to revisit the way they interact with consumers. As part of this massi...
By Patrick Stone, president and CEO, Williston Financial Group; and Lance Melber, CEO, Valutrust Solutions LLC.

Commercial | May 2009 
Look at the Property First, then Seek Funding
Commercial mortgage brokers' task is clear: Find the best-possible funding option for your clients looking to purchase or refinance a property. There are many key tasks that go along wit...
By Joy Hunner, executive vice president of GEM Commercial Lending, Golden Equity Mortgage Corp.


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