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From HW Magazine

Hot Seat: Simon Moir of eOriginal

eOriginal delivers eClosing capabilities to companies of all sizes with an open platform
Originators can digitally create the promissory note and securely manage it as an authoritative copy with delivery to secondary market. For instance, by sending the note digitally from the originator to a warehouse lender, the risk of a lost note or shipping are eliminated. Thanks to technology, the eNote is delivered and transferred instantly, with data that can be instantly validated. This advancement accelerates the time between origination and the replenishment of capital.
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Executive Conversation: Brian Deas on what makes a law firm truly innovative

Manley Deas Kochalski fully embraces technology to help mortgage companies
We think the best foreclosure firms today are models for traditional firms of the future.  Futurists like Richard Susskind argue that innovation is necessary because the traditional model in which lawyers bill by the hour is no longer suited to the demands of clients. It's an inefficient model because it rewards law firms for hours devoted to a matter.  And this reward is often at odds with the client's interest. The firm wants to grow revenue; the client wants to cut costs.
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Sponsored By
Citadel Servicing Corp.

Citadel Servicing Corp. offers multiple options for income qualification

One-month bank statement program recognizes self-employed workers
The number of self-employed workers in the U.S. continued to rise in 2017, climbing to 40.8 million people, which translates to 31% of the private work force. But while the number of self-employed workers earning $100,000 or more increased almost 5% last year, their ability to get a mortgage loan is often hampered by their nontraditional income status. Citadel Servicing Corp. offers these borrowers multiple options for income qualification, including a one-month bank statement program.
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From HW Magazine

2018 HW Tech100 Winner: Freddie Mac

ACE enables lenders to originate a loan without traditional appraisal
Through ACE, Freddie Mac leverages big data and advanced analytics and enables lenders to originate a loan without a traditional appraisal and with immediate certainty. ACE can speed up, simplify and lower the cost of the loan origination process for both lenders and their borrowers by eliminating the appraisal fee.
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Executive Conversation: David Gansberg on managing risk under the new DTI ratios

Arch MI's RateStar continuously responds to changing variables for flexible underwriting
The expanded DTI requirement has made home ownership opportunities more available for many potential buyers, especially as it applies to eligible loans with down payments as low as 3%. The risk represented by these loans has also increased. Studies have shown that the risk of default for borrowers with DTI ratios between 45% and 50% is higher than for those with a median DTI level of 35%.
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Auction.com

How data analytics drives better real estate investing

Auction.com plays matchmaker for buyers and sellers
We find that the more investors there are bidding on an asset, the better the end result is for both the buyer and the seller. Data analytics drives better execution on every property sold, attracting more qualified buyers – a necessary component to a healthy marketplace. With more data readily available, bidders are more likely to bid in confidence, and more frequently.
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Sponsored By
TMS

Your borrower portfolio is your greatest asset, why hand it over to a pack of wolves?

The future of servicing technology is here
According to research TMS conducted, two thirds of lenders reported working with their subservicer feels like pulling teeth when they request portfolio reports, 87% equated handing their portfolio to a subservicer to handing their firstborn over to a pack of wolves. 100% reported need for improvement in subservicing.
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Sponsored By
New American Funding

How can loan officers succeed in this competitive environment?

New American Funding provides tech tools, marketing solutions and a streamlined process
The impact of providing tech and marketing assets to LOs is hard to overestimate. Instead of building websites, creating marketing materials from scratch, figuring out a social strategy or trying to generate positive reviews, loan officers can focus on their most important job: originating loans.
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From HW Magazine

Veros applies AI to simplify and improve valuation decisions

Premium provider of automated valuation models
The company’s newest technology offering, VeroPRECISION, is the industry’s first property-specific Valuation Decision Engine designed to “cure the industry’s common cascade.” Unlike a traditional AVM cascade model, VeroPRECISION identifies upfront whether or not an AVM is a suitable valuation tool for the subject property and, if so, identifies the best AVM model for that property. 
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From HW Magazine

Clear Capital's technology provides analytics-driven workflow

ClearCollateral platform unlocks radical efficiency
The ClearCollateral Platform is built around a near real-time property database. This means that when the local market changes, Clear Capital clients are the first to know. Property data and analytics are available right where they need them, whether it’s intelligence informing the right type of valuation to be ordered or context during collateral underwriting.
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