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HW Magazine

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July 2016

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From HousingWire Magazine

Quiet crusade: The mother-daughter duo determined to improve affordable housing

Pam and Meghan Patenaude work behind the scenes for change
“The industry is satisfied with the status quo but it isn’t working and we desperately need to find ways to enable Americans to become homeowners," Pam Patenaude said. "We are the only group that can bring bipartisan efforts together that represent every segment of the housing industry.”
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Lenders concoct new loans for nontraditional borrowers

Entrepreneurs and self-employed workers get an origination refresh
Nontraditional income earners are becoming increasingly mainstream, particularly among Millennials, who, compared to their parents and grandparents, move from job to job a lot more, are more likely to be independent contractors and may lack a solid credit profile.
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AmCap Mortgage provides self-service tools for borrowers

Streamlined experience gives customers more transparency
The company’s hands-on process is part of its larger strategy to build a true partnership with consumers. To deliver the kind of experience borrowers are looking for, AmCap investigated a number of software solutions to determine the best fit for their process, and then invested time to really understand how to integrate them.
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From HW Magazine

Arch Mortgage Insurance Co. uses dynamic pricing to offer the best rates

Goes beyond traditional MI risk characteristics
RateStar goes beyond the traditional mortgage insurance characteristics used to determine the cost of MI coverage, such as LTV and credit score. It takes into account other risk factors, such as a co-borrower or loan purpose, to match the loan to Arch MI’s most competitive rates, so originators may compete more effectively, qualify more borrowers and close more loans.
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From HW Magazine

Citadel Servicing Corp. provides alternative lending products

Self-employed borrowers can document income with bank statements
The company’s decision to allow self-employed borrowers to document their income in the form of bank statements is a game-changer, opening the door for the growing number of workers in the sharing economy or those who otherwise want to take advantage of tax breaks by writing off expenses.
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From HW Magazine

First Centennial Mortgage delivers spirited and unmatched service

Uses predictive analytics to find out what buyers need
The company’s customer service success is demonstrated by its distinction of receiving a “complaint-free” award from the Better Business Bureau for Chicago and Northern Illinois for each of the last three years.
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From HW Magazine

Mason-McDuffie Mortgage Corp. focuses on borrower experience

Silicon Valley tech infuses strategy
Mason-McDuffie’s strategy puts an emphasis on listening closely to consumer needs and then developing solutions that address those specific pain points. The company, situated close to Silicon Valley, has sourced its technology infrastructure from outside the mortgage industry, using vendors that other tech firms use.
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From HW Magazine

Pacific Union Financial sees explosive growth

High-touch digital and visual tools serve Millennials, B2B clients
With nearly 50 branches across the country, Pacific Union is expanding its footprint in the retail channel in the Northeast, Midwest and Southeast. The wholesale and correspondent channels are also vigorously building their sales teams to solicit and serve more business-to-business partners.
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Commentary

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From HW Magazine

Managing litigation inside and out

How an in-house team of lawyers can benefit your company
Managing internal communications and preventing employees from destroying privilege, which can happen simply by including individuals outside the company on communications that are privileged, is one of the most critical aspects of litigation management.
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From HW Magazine

Former HUD secretaries: America's elderly desperately need more affordable housing

Here's the solution
States and local communities must also embrace permissive land-use policies that encourage alternative housing structures for seniors, such as accessory dwelling units, micro-units, and congregate homes. These policies can be a win-win for everyone — preserving the integrity of neighborhoods while expanding affordable housing options.
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From HW Magazine

Five critical housing questions

Former Secretary of the Navy on what the next president needs to answer
Comprehensive housing finance reform that gradually winds down Fannie and Freddie and replaces them with a new market structure backed by increased private capital is the best solution to strengthen America’s housing finance system and to protect taxpayers.
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