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The Motley Fool
April 27, 2007
Dan Caplinger |
Appraisal Nightmares on Main Street If a low appraisal jeopardizes your real estate deal, don't panic. See if your lender will obtain a second appraisal.   |
Bank Technology News
February 2007
Glen Fest |
Mortgage Securities: Slow MBS Market Hikes Fraud Risk Investment banks that buy mortgage-backed securities have a deeper worry than the billion-dollar estimate of fraud in lending each year. The fear is that it could be much worse. Technology vendors are selling products that ferret out fraud in secondary market pools. |
U.S. Banker
February 2007
Andrew Reinbach |
Are Small Banks Reevaluating A Big-Bank Technique? Scoring small-business loans is often believed to be unnecessary at the community bank level, especially if the lender and applicant know each other. But it may yet be valuable for credit quality. |
Bank Technology News
January 2006
John Adams |
Wholesale Mortgages: UBOC's Broker Road Becomes Automated The lender's strategy is heavy on implementing electronic loan execution. The goal? Cutting cost and time-and eliminating paper from desks of customer-facing partners. |
Bank Technology News
March 2009
John Adams |
Pumping More Value Into e-Valuations The mortgage tech industry's been working feverishly to freshen the data cocktails used by automated property valuation models (AVMs) to meet industry demands for greater predictive acumen in an uncertain market. |
Bank Technology News
November 2007
John Adams |
Mortgage: How to get "More" accurate with Loans The mortgage tumult has made lenders renew their focus on firmly understanding the true creditworthiness of their leads. |
Bank Technology News
October 2010
Sausner et al. |
Balancing Act Here's a look at three areas of mortgage lending -- origination risk, default management, and impending regulations -- and some of the answers on the table today. |
The Motley Fool
August 16, 2007
John Rosevear |
Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history. |
U.S. Banker
March 2011
Tim Grace |
Mortgage Buybacks Point To Need for Better Analytics With mortgage fraud rising, the need for consistent, industry-wide fraud controls are a fundamental building block for improved loan quality. |
The Motley Fool
December 8, 2006
Mary Dalrymple |
Mortgage Power for Everyone Arm yourself with information before shopping for a home loan. |
Bank Technology News
January 2007
John Adams |
Paperless Mortgages: The Broker Pens Her Own Program Hawaiian mortgage broker Donna Iwane was frustrated by cumbersome processing, so she developed a Web application that creates loan proposals in less than a minute. |
This Old House
Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal. |
Commercial Investment Real Estate
Mar/Apr 2003
Len Deering |
Multifamily Property Owners Benefit From Competitive Financing Soft occupancies force lenders to be more creative in competing for multifamily loans. |
Bank Technology News
September 2006
John Adams |
Mortgage: Making Every Transaction Count As the market cools off, technology is helping mortgage players improve lead generation, closing time and telecommunications to gain new customers and boost performance. |
U.S. Banker
August 2001
Ted Cornwell |
Fears of Defaults Subprime loans are behind the fears. They have not been tested in a declining economy and analysts don't know what to expect. |
Commercial Investment Real Estate
Jan/Feb 2011
Brad Cox |
The Loan Request Package How to request -- and get -- the best loan from today's limited lending sources |
Commercial Investment Real Estate
Sep/Oct 2003
Peltin & Swibel |
Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure. |
FDIC FYI
March 28, 2002 |
Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders... |
The Motley Fool
February 14, 2007
Mary Dalrymple |
How Bad Credit Can Cost You Being careless with your credit scores could drain your piggy bank. Your credit score determines not only whether you can get a loan or a line of credit, but it also determines the interest rates that a bank or lender charges. |
Entrepreneur
February 2008
Rosalind Resnick |
Nothing Personal How can you protect yourself and your assets from risk when securing a business loan? |
Registered Rep.
March 1, 2008
Kristen French |
The Lending Squeeze The tightening credit conditions is causing some financial advisors to have trouble getting loans for clients. |
Bank Systems & Technology
April 26, 2010
Matt Gunn |
Fraud Study Shows Importance of Competence, Ethics A new study indicating reports of mortgage fraud in the United States increased 7 percent from 2008 to 2009 shows why lenders need to hire competent, ethical appraisers. |
U.S. Banker
November 2005 |
Wading Through HMDA-Data Muck What does the new Home Mortgage Disclosure Act data show about banks' lending practices when it comes to racial, ethnic and gender differences? It's clear what it says, but it's not clear what it means. |
BusinessWeek
May 1, 2008 |
Navigating the Crunch A financial aid expert explains how borrowers can best ride it out. |
Bank Technology News
July 2010
John Adams |
New Mortgage Risk IT Leaves No Loan Unturned The residential mortgage backed securities market has been a bit like a beached whale over the past couple of years in part due to past risk management and performance reporting considered by investors to be incomplete and out of date, a gap that new risk tech solutions are hoping to bridge. |
BusinessWeek
April 11, 2005
Justin Hibbard |
The Fed Eyes Subprime Loans Battles over lending to low-income, often minority, home buyers used to be about access to credit. Now they're about access to affordable credit. If new lending data hints at unfair pricing, lenders may have to take a good, hard look at their methods. |
The Motley Fool
January 28, 2008
Selena Maranjian |
Refinancing Catch-22 Mortgage refinancing is available ... for those who need it least. |
Commercial Investment Real Estate
Jul/Aug 2011
David F. Webb |
The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets. |
Bank Systems & Technology
May 6, 2004
Cynthia Ramsaran |
First Command Bank Perks Up Loan Process Bank uses an automated loan application solution to increase productivity of loan officers. |
U.S. Banker
September 2010
Bonnie McGeer |
Finding the Right Match Online loan exchanges like BoeFly and Biz2Credit are gaining traction as banks look for new ways to find more small-business borrowers. |
U.S. Banker
April 2007
Holly Sraeel |
Tough Lessons for the Subprime Market...Again That New Century finds itself in this predicament should come as no surprise. The burning question? When will the other shoe(s) drop, and how painful will that be for the industry and investors? |
The Motley Fool
October 30, 2007
Dan Caplinger |
Get a Cheap Loan Fast ... From Yourself If you're facing a temporary setback and need a short-term solution, a 401(k) loan may not be as bad as some experts think, and a lot better than other alternatives. |
The Motley Fool
January 24, 2007
Mary Dalrymple |
Study Your College Loan Options Know when to use a private or a federal loan to pay your tuition bill. |
This Old House
L. Gallant & D. Snoonian |
The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you. |
FDIC FYI
September 17, 2003
Susan Burhouse |
Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks. |
Financial Advisor
October 2008
Gail Liberman |
Deep Freeze Financial advisors may need to don debt management caps now that banks are freezing and/or cutting client home lines of credit amid falling home values. |
HBS Working Knowledge
August 4, 2014 |
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons. |
National Real Estate Investor
September 1, 2006
Parke M. Chapman |
Mortgage Industry's Digital Divide Not all segments of the commercial mortgage industry are embracing technology at the same rate. A study last year found that many firms still rely on time-consuming faxes, certified mail and reams of FedEx-delivered paper to process, close and monitor their loans. |
Commercial Investment Real Estate
Nov/Dec 2014
Pruitt & DeRensis |
CMBS Maturity Wave Commercial mortgage-backed securities lending has shown signs of health to the tune of $84 billion issued in 2013, and issuance anticipated to approach $100 billion in 2014 |
The Motley Fool
August 21, 2007
David Lee Smith |
The Credit Crunch on Housing Savvy investors should wait until the homebuilders' business strengthens obviously and meaningfully before accumulating positions in the group. |
FDIC FYI
February 7, 2002 |
Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time... |
Bank Technology News
February 2005
John Adams |
Mortgage: Lenders Smooth The Bumpy Volume Road Originators like DiTech and Boeing's credit union are using automation to alter how they market real estate finance options to customers, as well as better manage their workforce deployment |
National Real Estate Investor
June 1, 2005
Kingsley Greenland |
Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry. |
The Motley Fool
November 24, 2008
Alex Dumortier |
Are Foreclosures Unavoidable? Experience is showing that when banks have modified loan terms it is only moderately effective in avoiding foreclosures. |
BusinessWeek
January 9, 2006
Justin Hibbard |
So Many Lenders, So Few Takers As housing slumps, the roof is falling in on the overbuilt mortgage industry. |
BusinessWeek
July 14, 2003
Anne Tergesen |
Home Loans with Bells and Whistles Some new twists on mortgages offer more flexibility -- for a price. |
BusinessWeek
November 14, 2005
Lindsey Gerdes |
The Private-Loan Dilemma Unable to borrow enough via the federal government, more students are turning to other lenders, which can be a risky last resort. |
The Motley Fool
January 25, 2005
Stephen D. Simpson |
California Bankin' Commercial Capital Bancorp posts solid results, but is the going getting tougher? |
Financial Planning
March 1, 2008
Donald Jay Korn |
Seeing Red Sallie Mae, the leading lender to college students, reported a $1.6 billion loss in the fourth quarter of 2007. Sallie Mae isn't the only student lender that has been bloodied recently. Students and parents need to be cautious when looking for student loans. |
Wall Street & Technology
September 19, 2006
Tim Clark |
The Quiet Market Explosion While most of the industry has been focusing on exotic investment products and emerging markets, the securities lending market has boomed into a $16 trillion business. But with rapid growth comes substantial risk. |
