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U.S. Banker April 2010 Kate Berry	Paying Seconds First Despite falling behind on mortgages, borrowers continue to make payments on home equity loans.
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.
BusinessWeek November 10, 2010 Kathleen M. Howley et al.	Mortgage Modifications Aren't Stopping Foreclosures Programs designed to keep owners in their homes are being upended by lost paperwork and procedural errors.
The Motley Fool December 4, 2009 Morgan Housel	The Dumbest Stimulus Plan to Date Punishing prudence, one bank at a time. One year ago, banks were ridiculed for making so many bad loans. Today, they're being threatened with fines for not making enough.
The Motley Fool October 14, 2009 Morgan Housel	Mortgage Lending: Partying Like It's 2005 Bank of America has softened requirements and begun authorizing some mortgage modifications without getting all the documents first.
Commercial Investment Real Estate Jul/Aug 2012 Gantz et al.	CMBS Concerns Are securitized loans worth the trouble?
The Motley Fool August 13, 2009 Morgan Housel	3 Reasons Mortgage Modifications Are Failing Want a mortgage modification? Cross your fingers, and don't expect a lot of help from banks.
BusinessWeek March 10, 2011 Karen Weise	States Test Mortgage Principal Write-Downs Some economists say home-loan forgiveness is the key to a real estate rebound.
The Motley Fool June 7, 2011 Cindy Johnson	More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.
The Motley Fool October 12, 2009 Morgan Housel	The Biggest Failure of the Year Mortgage modification re-defaults -- modified loans that fall back into default -- are quite high. And not just a little high, not just annoyingly high, but horrifyingly high.
Bank Technology News December 2008 Rebecca Sausner	Modifying Home Loans Depends On Past Tech Investments The nation's largest banks are offering sweeping modifications on millions of mortgages. But how efficiently loans can be reworked will depend in part on how heavily institutions have invested in loan technology.
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.
National Real Estate Investor January 1, 2009 Poonkulali Thangavelu	Stephanie Petosa: Loan service companies come to the forefront How the credit crisis is impacting commercial mortgage servicing, demand for modified loan terms, and problems created by loans going into different CMBS tranches.
The Motley Fool May 3, 2011 Cindy Johnson	SEC Fears Banks Are Putting Lipstick on Piggish Loans Are overvalued real estate loans inflating the book value of your bank?
BusinessWeek February 12, 2009 Brian Grow	What's Holding Back Mortgage Modification? Many mortgage services say they can't modify terms to let homeowners avoid foreclosure. But there may be fewer obstacles than they claim.
U.S. Banker June 2009 Kathy Brister	Counselor Loan-Mod Tool Aids Lenders in a Pinch A software tool conceived as a way to bring faster relief to troubled borrowers now holds promise for aiding the overburdened banks that backed those mortgages.
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.
Bank Technology News November 2010 Michael Sisk	Underinvestment In Tech Drove Foreclosure Mess As trouble in the nation's foreclosure process leaked out-from robo-signing to lost documents to backdated notarizations-the hunt was on for a culprit.
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.
Bank Systems & Technology July 19, 2010 Penny Crosman	71% of Lenders to Adopt Online Lending Technology, Survey Finds Study also projects that online mortgage-application volume will triple by 2013.
Entrepreneur April 2007 Jennifer Pellet	One Step Ahead Options for buying a home when you can't prove income.
The Motley Fool December 15, 2009 Morgan Housel	Who's to Blame for the Mortgage Mess? Because the problem lies with unqualified borrowers -- not inefficient servicers -- it's reasonable to assume the success rate won't go appreciably higher than it currently is.
National Real Estate Investor February 1, 2007 W. Joseph Caton	Attached Strings to Conduit Loans As a property investor's real estate management needs and development skills expand, the nature of the loans that investor buys into begins to take on new meaning.
The Motley Fool February 15, 2011 Selena Maranjian	Good Credit Won't Save You Now The "adverse market" surcharge could cost mortgage borrowers thousands annually.
Commercial Investment Real Estate Nov/Dec 2008 Connolly et al.	Debt Transfer While new money is difficult to find in the current economic climate, loan assumptions may provide the prospective debt commercial real estate buyers need to close deals.
The Motley Fool March 19, 2010 Morgan Housel	Homeowners Free-Riding on the Bank's Dime Foreclosed on, but still happily at home.
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.
Commercial Investment Real Estate Nov/Dec 2011 Taylor Liska	What's Your Exit Strategy? There are many factors to consider when entering into a fixed-rate commercial real estate loan; what's often forgotten is how to get out. Borrowers should map out all options at the start of the loan process.
Bank Technology News June 2009 John Adams	Slow Down and Smell the Accountability There's no better sign of how the mortgage market's atmosphere has changed than what potential borrowers are hearing from Ameritrust.
The Motley Fool March 20, 2008 Dan Caplinger	A Farewell to ARMs? Adjustable-rate mortgage rates haven't behaved the way they should -- and that's bad news both for borrowers and for policymakers trying to restore stability to the financial system.
Bank Technology News February 2011 John Adams	Mortgage Reboot: Rolling Thunder Looking to protect borrowers and score political points with consumers worried about foreclosures and underwater loans, Congress and regulators are unleashing an almost-constant barrage of new mortgage laws and regulations.
Bank Technology News September 2006 John Adams	Business Continuity: 1st Metropolitan Fights the Flames 1st Metropolitan Mortgage used Web-based software to keep a burned-down branch in New Jersey humming, not to mention protecting deals that were in the pipeline.
Financial Planning November 1, 2011 June Fletcher	Going Into Reverse Several big banks have abandoned reverse mortgages this year, some watchdog groups have maligned them and consumers have shied away from them. Nevertheless, now may be a good time to recommend them to clients.
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.
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah	Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.
Commercial Investment Real Estate Jonathan A. Peckham	Borrower Beware Most commercial mortgage lenders charge application, due diligence, and loan commitment fees, but do your clients know what that money really is buying? Often, it is less than they think.
Commercial Investment Real Estate Jul/Aug 2010 Cunill-Fals & JShindell	Buying Into Distress This article discusses the typical loan purchase process and some of the advantages and disadvantages of buying nonperforming commercial real estate loans.
Bank Technology News April 2006 John Adams	Online Mortgage Delivery: Fannie And Freddie Await An E-boom GSE execs say innovation at all stages of the lending process and pressure from the waning refi boom spell imminent growth in the Web-enabled mortgage secondary market.
The Motley Fool November 2, 2006	Mortgage Points, Explained If you're learning about mortgages, you'll hear the term "points" a lot. A "point" is 1% of the value of the mortgage loan.
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.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
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.
The Motley Fool February 15, 2008 Dan Caplinger	Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?
The Motley Fool December 5, 2006 Dan Caplinger	The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.
U.S. Banker July 2010 Alan Kline	Finding 'Harmony' in Refi Loans 1st Commonwealth of Virginia offers a new kind of loan aimed at retaining customers in times of lower rates, when borrowers typically defect.
The Motley Fool December 28, 2011 Dan Caplinger	Your Smartest Money Move for 2012 If you have a high-interest mortgage, get rid of it.
The Motley Fool October 26, 2007 Dan Caplinger	Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.
Commercial Investment Real Estate May/Jun 2008 Campbell & Walsh	Exist Strategies Comparing yield maintenance and defeasance can help investors determine the best alternative to fixed-rate financing.
U.S. Banker December 2008 Glen Fest	Workout Analytics Taken to Loan Level Banks and servicers are broadening portfolio analytics to include more loan-level details and more predictive analytics around consumer behavior.
AskMen.com March 4, 2001 Luis Rodrigues	The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...