February 2012: Building A Better Lending Process


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Editor’s Note

This section discusses the silver lining expected this year.

Your Voice—By Roger Hull

Genpact talks about the transition to a data-centric workflow.

Recovery Tips—Brian Koss

Mortgage Network, Inc. details how to attract the borrower.

Market Pulse

New data from Ellie Mae reveals that closed loan rates, especially among refinances, increases in 2012.

Process Improvement—By Tony Garritano

Tony Garritano notes that now that QM has been defined, there may be opportunity for real innovation.

Future Trends—By Roger Gudobba

Roger Gudobba talks about drawing some corollaries to the perception of data in the mortgage industry.

Business Strategies—By Michael Hammond

Michael Hammond says that you should not give your technology away even if lenders aren’t buying.

Industry Shifts—By Paul Anastos

Mortgage Master stresses that there are a few key changes that will happen in mortgage lending this year.

A True Hero—By Rick Sharga

Carrington Mortgage Holdings, LLC shares how unfair it is for some to blame FHA for industry ills.

Enhancing The Overall Mortgage Process
Michael Kuentz of Equifax Verification Services talks about how lenders can do more to be transparent and improve the overall mortgage process.

Thought Leadership—By Barbara Perino and Rebecca Walzak

Perino and Walzak define what thought leadership in the mortgage industry means and why it’s in short supply.

Smart Mobile Tech—By William Walsworth

Five Brother notes that in the end mobile devices offer new potential for field service efficiency.