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April 2013: Industry Evolution

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Editor’s Note

This section discusses new data on the state of the housing recovery.

Your Voice—By George Yacik

George Yacik talks about a potential historic crash in mortgage production.

Recovery Tips—By Scott Kersnar

Scott Kersnar details how the CFPB may be coming after your social media.

Market Pulse

New data suggests that there are clear ways for companies to stand out instead of just blending in with the crowd.

Process Improvement—By Tony Garritano

Tony Garritano notes that the best-of-breed vs. end-to-end debate is all but over. And the winner is …

Future Trends—By Roger Gudobba

Roger Gudobba believes that big data is more than a matter of size; it is a way to uncover insights and opportunities.

Business Strategies—By Michael Hammond

Michael Hammond says that if your leads tend to be more marketing qualified than sales qualified, it’s probably taking longer than you’d like.

The Audacity of Change—By Claire Hernandez

Automated Solutions Inc. stresses that market change is not always a bad thing if it is handled well.

Customer Retention—By Jim Blatt

Mortgage Returns shares that lenders who are not connected to past clients may find themselves at a disadvantage.

A New Mindset
Sharon Matthews of eLynx shares her thoughts about how the view of technology is changing and what is needed to move toward and maintain a healthy mortgage market.

A Balancing Act—By Barbara Perino and Rebecca Walzak

Perino and Walzak define how to strike the right balance between automation and the human element.

LOS Shopping—By Dan Green

Mortgage Cadence notes that acquiring new origination technology is a critical decision for every lender.

March 2013: The New World Of Doc Prep

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Editor’s Note

This section discusses a new way for you to get the inside scoop.

Your Voice—By Lew Sichelman

Lew Sichelman talks about how Realtors may resists paperless.

Recovery Tips—By Leonard Ryan

QuestSoft details how good compliance requires good data.

Market Pulse

New data from CoreLogic reveals a year-over-year decrease in foreclosures to the tune of 17.8 percent.

Process Improvement—By Tony Garritano

Tony Garritano notes that now that QM has been defined, the CFPB is targeting servicers, as well.

Future Trends—By Roger Gudobba

Roger Gudobba talks about the process of turning data into meaningful information that lenders can use.

Business Strategies—By Michael Hammond

Michael Hammond says that marketing resources may be tight, but that doesn’t mean you can’t be successful.

The Business Tablet—By Randy Schmidt

Data-Vision stresses that Surface Pro could be a real game changer for the mortgage industry.

Mobile Tips—By Michael DeLapa and Kamal Shah

FotoNotes shares five key considerations that you should think about when taking your business mobile.

Advancing Doc Prep
Kathleen Mantych of MRG Document Technologies discusses how lenders can navigate the intense regulatory landscape and pick the right doc prep partner all at the same time.

Managing Change—By Barbara Perino and Rebecca Walzak

Perino and Walzak define what good leaders do to ease their staff into a world filled with a lot of change.

Fighting Fraud—By Alec Cheung

eLynx notes that coming together and leveraging shared data can help mitigate mortgage fraud.

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.

January 2013: True Leadership

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Editor’s Note

This section discusses a new initiative here at PROGRESS.

Your Voice—By Brad Willis

CCMC details how important tight data connections are.

Recovery Tips—Reid Smeda

CSi talks about how to comply without needing unlimited resources.

Market Pulse

New data from Interthinx shares some good news. National fraud levels are on the decline.

Process Improvement—By Tony Garritano

Tony Garritano notes that there are certain things that we can all watch for in 2013 and beyond.

Future Trends—By Roger Gudobba

Roger Gudobba talks about how the fiscal cliff and other news events will help or hurt us this year.

Business Strategies—By Michael Hammond

Michael Hammond says that there is a more effective way to market you business in 2013.

Do You Feel Lucky?—By Barbara Perino and Rebecca Walzak

Analysts stress that those lenders that think the regulators like the CFPB and others won’t audit them are mistaken.

The Path To Paperless & More—By Andy Crisenbery

eLynx shares how important it is for lenders to consider a comprehensive approach when migrating to a data-based lifecycle.

Talking Up Leadership

David Lykken talks about the type of leader needed to make mortgage lending successful again.

Winning The Game—By Stephen Margrett

The Turning Point says compliance-centric marketing automation delivers where CRM technology can’t.

Lending Inflection Points—By Dan Green

Mortgage Cadence notes that we’re approaching the time when there are no more refinance bullets.

December 2012: Risk-Free Lending

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Editor’s Note

This section discusses how to foster more collaboration.

Your Voice—By Ted Hicks

Calyx Software details the evolution of the mortgage banker.

Recovery Tips—Leonard Ryan

QuestSoft talks about how reform doesn’t have to be painful.

Market Pulse

The CoreLogic third quarter 2012 multifamily applicant risk (MAR) index report including new renter trends, showed a tough market ahead.

Process Improvement—By Tony Garritano

Tony Garritano notes that there are things that lenders can be doing today to prepare for after the refi boom ends.

Future Trends—By Roger Gudobba

Roger Gudobba talks about how you can use New Year’s Resolutions to grow your business throughout 2013.

Business Strategies—By Michael Hammond

Michael Hammond says that when you’re looking at new marketing strategies and techniques, don’t forget video.

The New Wholesale—By Andrew Weiss-Malik

360 Mortgage stresses that wholesale lending isn’t dead, but it has certainly changed.

Regulatory Pros & Cons—By Jonathan M. Herman

MRG shares how new rules and regs can be turned into a solid business opportunity.

Mitigating Risk

Reid Smeda of CSi discusses how compliant systems in place today have to be “data-obsessed” so they are equipped to gather, analyze, disclose, and retain the many, many, many pieces of data that “define the transaction.”

WD-40 For Loans—By Daniel Jacobs

RFC wants to apply an entire can of WD-40 to make the process glide more smoothly.

Transforming Our Space—By Barbara Perino and Rebecca Walzak

Analysts say there are steps that we can take today to transform the whole industry.

November 2012: What’s Next For Our Space?

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Editor’s Note

This section introduces the new PROGRESS in Lending Lender Advisory Panel.

Your Voice—By Monte Robbins and Keenan Wagner

Prominent lenders explain how they are benefiting from cloud computing.

Recovery Tips—By Alice Alvey

MortgageU shares its thoughts about how traditional lending roles are morphing.

Market Pulse

Data compiled by the Financial Forecast Center takes a look at the state of our economy and makes future projections.

Process Improvement—By Tony Garritano

Tony Garritano notes that in a perfect world, there is one technology that all lenders should adopt today.

Future Trends—By Roger Gudobba

Roger Gudobba defines how to be creative, be innovative, be original, be bold, be different, and be a leader.

Business Strategies—By Michael Hammond

Michael Hammond reveals how to use different types of visual stimuli to improve your business and drive results.

The Coming Crisis—By David Lykken

David Lykken details how without change, we are at the precipice of disaster.

Back To School—By Barbara Perino and Rebecca Walzak

Analysts think, given the regulatory onslaught, lenders need to be re-educated.

You Can Have It All—By Robert Pommier

Genpact asserts that it is possible to both reduce cycle time and increase efficiency.

One Lender To Another—By James Zarra

Lender Tammac Holdings Co. shares how they’ve recently improved their process.

Discussing Our Industry’s Future

Tim Anderson of DocMagic looks back at how the mortgage business has evolved and warns that fundamental change is coming in the future.

Appraisal Seismic Shifts—By Jennifer Miller

a la mode points out that the shifts in the appraisal process are just the beginning.

Drive Results—By Judy Margrett

The Turning Point provides solid tips on how technology can help drive new business.

The Compliance Squeeze—By Sharon Matthews

eLynx discusses how to stay compliant even if your current resources are limited.

October 2012: Advancing Origination

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Editor’s Note

This section discusses why it’s important to get involved.

Your Voice—By Joseph Badalamenti

Five Brothers shares how to tackle REO disposition.

Recovery Tips—By Jim Blatt

Mortgage Returns talks about the next purchase market.

Market Pulse

Xerox data concludes that despite the challenges of compliance, new rules and regulation has been a net positive for this space.

Process Improvement—By Tony Garritano

Tony Garritano notes that after UMDP and UAD the appraisal space has changed, but asks if it is for the better.

Future Trends—By Roger Gudobba

Roger Gudobba thinks that there is a science to procrastination that everyone in the mortgage space should learn.

Business Strategies—By Michael Hammond

Michael Hammond reveals how your company’s organization may be playing a role in hindering your success.

Point of Contact—By Barbara Perino and Rebecca Walzak

Analysts report that the single point of contact rule can be tricky.

Mobile Tech is Spreading—By Randy Schmidt

Data-Vision shares how mobile is quickly taking over our space.

Tomorrow’s LOS—By Tim Anderson

ISGN stresses that the LOS needs to do even more in today’s market.

Moving Origination Forward

After 30 years in the business, Lester Dominick of MortgageFlex remains a big player. He talks about how the company has adapted.

The Paper Monster—By Eric Kujala

DocVelocity says there are new paperless trends that we need to know.

September 2012: Next-Gen LOS Trends

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Editor’s Note

This section discusses what we can learn from the election.

Your Voice—By Elizabeth Green

Elizabeth Green shares the power of the latest MISMO version.

Recovery Tips—By William E. King

Veros talks about why you should adopt the latest MISMO version.

Market Pulse

CoreLogic data concludes that since the financial crisis began in September 2008, there have been approximately 3.7 million completed foreclosures.

Process Improvement—By Tony Garritano

Tony Garritano notes that the traditional branch model will have to change amidst new rules and regs.

Future Trends—By Roger Gudobba

Roger Gudobba thinks that organizations need to think about their competitive strategy and where it will take them.

Business Strategies—By Michael Hammond

Michael Hammond reveals how LinkedIn can be effectively used to generate new leads and more business.

The Digital Age—By Kelli Himebaugh

Mortgage Builder reports on the long-term industry impact of ULDD.

Specialty Servicing—By Ed Delgado

Wingspan Portfolio Advisors shares how technology benefits servicers.

Managing Change—By Barbara Perino and Rebecca Walzak

Analysts stress the need for a structural approach to corporate change.

Discussing The New-Age LOS

As many lenders rethink their LOS, Daniel Liggett of ASC details what type of LOS is needed to ensure a lender’s future success.

Conquer The CFPB—By Reid Smeda, Sr.

Compliance Systems says there is a way to stay one step ahead of the CFPB.

August 2012: Reshaping Appraisals

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Editor’s Note

This section discusses how the CFPB forms changes might be good.

Your Voice—By Mark Swift

Mortgage Cadence shares how to make imaging really work well.

Recovery Tips—By Stephen Margrett

The Turning Point talks about how to grow your business today.

Market Pulse

CoreLogic data concludes that home prices nationwide, including distressed sales, increased on a year-over-year basis by 2.0 percent.

Process Improvement—By Tony Garritano

Tony Garritano notes that some very prominent origination vendors are stretching out to automate servicing, too.

Future Trends—By Roger Gudobba

Roger Gudobba thinks that many organizations have failed because of their inability to adapt their strategic vision.

Business Strategies—By Michael Hammond

Michael Hammond reveals how creating a great sales culture takes discipline, commitment and focus.

The CFPB Strikes—By Barbara Perino and Rebecca Walzak

Analysts report on how to comply with the new CFPB forms changes.

Crafting A Loan—By Edmund Poli

Poli Mortgage Group shares how intricate the loan process really is.

Technology Decisions—By Binh Dang

LendingQB stresses that technology due diligence doesn’t have to be hard.

Growing Appraisal Innovation

Jennifer Miller of a la mode details how technology has helped appraisers and lenders deal with sweeping change.

Time For Mobile?—By Alec Cheung

eLynx says the time is right for lenders to think about mobile technology.