How to simplify the appraisal process for everyone in today’s hot market

The housing market isn't slowing down anytime soon, and appraisers need to make sure they have the right tools to manage the high demand.

Who’s afraid of the PSPA?

Stakeholders are divided over whether, in light of proposed changes to its capital rule, the FHFA should retool its agreement with the U.S. Treasury and remove policies some say never belonged there in the first place.

Back to the Future of Mortgage Lending

This webinar will discuss what’s to come in the future of mortgage lending by analyzing past trends in the industry, evolving consumer behaviors and demographics of the industry’s production capacity.

Logan Mohtashami on jobs data and the bond market

In this episode of HousingWire Daily, Logan Mohtashami discusses what the jobs data, changes in the bond market, and the Omicron variant could mean for housing.


2020 HW Woman of Influence: Terri Merlino

Freddie Mac, Senior Vice President and Chief Credit Officer, Single-Family Business

Terri Merlino

Terri Merlino plays a key role at Freddie Mac, serving as chief credit officer of the company’s single-family business.

Merlino substantially impacts Freddie Mac’s mortgage credit risk management efforts and the experiences of the company’s clients. In addition, Merlino also assumed additional risk management responsibilities. Late in 2019, Merlino was promoted from vice president to senior vice president, making her one of the most influential leaders at Freddie Mac. In her roles at Freddie Mac, Merlino was instrumental in leading the drive for industry adoption of Freddie Mac’s risk assessment tools Loan Quality Advisor and Loan Product Advisor, to ensure loans delivered were acceptable to Freddie Mac’s risk profile. Beyond that, Merlino also led teams that innovated products and tools, including Loan Product Advisor AIM, which automates the assessment of borrower assets and income for lenders; and Automated Collateral Evaluation, which leverages Freddie Mac proprietary models, along with historical data and public records to let Freddie Mac clients originate eligible loans without a traditional appraisal. Merlino also acted quickly and decisively in response to the COVID-19 pandemic crisis to provide flexibility, guidance and clarity in underwriting guideline policy and process.

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Pending home sales shock 2021 housing crash bears

Pending home sales beat estimates and we can now say the 2021 housing crash bears are even worse forecasters than the 2020 housing crash bears.

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How did the pandemic change the state of the appraisal market?

Brian Zitin, CEO at Reggora, a HousingWire Tech100 mortgage winner, shares how technology is impacting the future of the appraisal process and what’s to come for appraisal fulfillment in 2022. 

Dec 07, 2021 By
3d rendering of a row of luxury townhouses along a street

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