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December/January 2017

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What will the mortgage industry look like with a new sheriff in town?

Ballard Spahr partner outlines what to expect under Trump
While other state and federal regulatory bodies overlap in their regulation of the mortgage industry, the very particular consumer focus of the CFPB is not duplicated by any other body. Will deregulation mean a return to the Wild West lending atmosphere that led to the financial crisis? What happens next? We asked John Socknat, partner at Ballard Spahr, to weigh in on what mortgage lenders and servicers can expect from a Trump administration.
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2016 HW Vanguard Award winners

40 executives leading the mortgage industry
Amid the potential new direction from the White House, Congress and regulators, leadership in our industry is more important than ever. Which is why HousingWire is proud to present the 40 winners of our 2016 Vanguard award. These leaders from all segments of the mortgage ecosphere demonstrate that our industry is more than capable of meeting the challenges that lie ahead.
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A check on the CFPB's unprecedented power

How PHH won against the CFPB
Since the election of Donald Trump, the legitimacy and very survival of the Consumer Financial Protection Bureau is now front and center. The agency is in peril after an Oct. 11 decision by the U.S. Court of Appeals for the District of Columbia Circuit that ruled, for the first time, that an independent agency established by the legislative branch of government is unconstitutional. 
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Hot Seat: Ralph Armenta of Alight

How continuous forecasting is especially important for independent mortgage banks
Mortgage banking is not the sleepy cottage industry of yesterday. Mortgage banks have evolved into highly competitive, real-time, geographically dispersed businesses that require firm owners, CEOs, CFOs and sales leadership to keep a finger on the pulse of the enterprise 24/7 to capitalize on opportunities and mitigate losses.
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Ellie Mae's next-gen Encompass Lending Platform accelerates time to market

All parties can share, interact and collaborate in one shared system
“With a platform approach to lending, the opportunities and ideas are endless. The Ellie Mae Encompass Lending Platform puts more power into the hands of our customers, partners and developers, enabling them to rapidly extend, integrate, and build new capabilities with Encompass that serve to differentiate and grow their businesses,” said Jonathan Corr, president and CEO, Ellie Mae.
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First American Mortgage Solutions utilizes a broad growth strategy

Innovative data-driven solutions provide accuracy and transparency throughout mortgage lifecycle
While many vendors have retreated from certain markets, First American Mortgage Solutions has poured capital into its business lines across the mortgage continuum, from origination to post-closing to servicing. This gives the company the ability to provide data solutions, fraud risk detection and verification, regulatory compliance, valuation and collateral risk assessment, title and settlement for purchase and home equity transactions, document services, fulfillment services and default services. 
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Chronos Solutions helps lenders manage costs amid rising interest rates

Uniquely positioned to drive savings
The company’s acquisitions in 2016 give it the capability to deliver end-to-end solutions for the mortgage loan lifecycle, including credit data/reporting, 4506-Ts, property valuation services, title, HOA and condo retrieval, tax lien, escrow services, and everything required to settle a mortgage asset default. Most importantly, Chronos Solutions’ array of services means the company can create bundled solutions tailored to lenders’ specific needs, providing efficiency while maintaining quality.
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Land Gorilla streamlines the construction lending market with comprehensive solutions

Single-close construction-to-permanent loans gaining momentum
One of Land Gorilla’s core technology offerings is the Construction Loan Manager, a cloud-based construction loan management software that streamlines the management process and is the most powerful platform available for today’s construction lender, Faries said. Construction Loan Manager allows lenders to manage three and a half times more loans with less risk and more visibility than using a standard spreadsheet.  
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LoanLogics synchronizes manufacturing and quality-control process for lenders

Automated quality management improves customer service and increases investor confidence
The impact of in-line, automated quality management and loan manufacturing goes beyond cost reduction and extends to significantly improving customer service and increasing investor confidence. Lenders can improve borrower satisfaction by reducing delays, closing loans faster and providing more competitive pricing, all the while assuring investors of the quality of the assets that are produced.
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Mortgage Connect to launch eClosing solution for enhanced consumer experience

Meeting borrower demand for online and mobile access

Today, the mortgage industry is ripe for innovation and poised for tremendous growth. There is a strong demand to create products, processes and technologies to help attract future homebuyers, as well as improve the consumer experience in the mortgage loan transaction life cycle. Lenders and third-party vendors need to be prepared to offer new products and create or adopt new technologies to drive efficiencies to workflows to stay competitive and provide faster results for their consumers. 


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Superior Home Services tackles damaged FHA properties in default

Hazard claim management solution addresses conveyance requirements
Superior has been managing hazard claims for mortgage servicers for more than 30 years, with the ultimate goal of maximizing those funds to remediate the damage at the subject property, and then executing those repairs with the insurance funds available. By offering a hazard claim management solution, Superior can now manage a mortgage servicer’s entire damaged property portfolio: government loans, conforming loans, private investor and bank-owned inventory. 
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State of the private money industry

The fix-and-flip market tells investors everything they need to know
The marketplace is full of hard and private money lenders — it will come down to who can best assist investors in completing their goals, whether that be by providing quicker close times, or with more accurate valuations. With how many options there are for borrowers, lenders will need to start competing for marketshare as borrowers shop their situations to multiple lenders, leveraging the offers against each other. This process will force lenders to update their guidelines, or be forced out of the market.
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Unlocking the door to homeownership

Two programs strike a delicate balance between access and quality
Almost a decade after the housing crisis, many responsible potential homeowners remain locked out of the market. But recently there have been a pair of hopeful developments that may be key to opening doors to homeownership for qualified first-time and underserved buyers. Fannie Mae and Freddie Mac have unboxed two long-anticipated initiatives designed to make credit more available to deserving potential buyers without compromising standards. Importantly, these are not politically driven affordable lending programs. 
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