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HW Magazine

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September 2018

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Back on track: How Tim Mayopoulos fixed Fannie Mae

A look back on Mayopoulos' career at the government-sponsored enterprise
When Tim Mayopoulos was vetted prior to joining Fannie Mae nearly 10 years ago in the role of general counsel, board members explained it would only take 12 to 18 months for the company to turn around. That isn’t what it took. It took putting Mayopoulos in charge, years later, to turn the company around. And that’s exactly what he did.
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HW Insiders 2018

Recognizing the unsung heroes of the mortgage finance industry
HousingWire began highlighting the unsung heroes of the mortgage finance industry three years ago, recognizing those who continue to make the dream of homeownership a reality for Americans nationwide. Our editorial board selected each of these 40 professionals for their ability to not only transform their companies, but the industry as a whole.
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From HW Magazine

Reaching Renters: Helping renters access the American Dream

It's time to treat renters like homeowners
This September, as we recognize the second annual National Renters Month, it is time that we talk about treating renters as we have treated homeowners for years. At the National Rental Home Council, we believe that all renters deserve the same opportunities that homeowners have, regardless of why they rent.
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HOT or NOT September: What's trending in housing right now

Interest rates, bank earnings, new GSE credit score models and more make this month's list
Rising interest rates, bank earnings, the FHFA's decision regarding new credit scoring models for the GSEs. Click to see what's hot and what's not!
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2018 HW Insiders: Justin Alexander

Senior Director of Product Management, First American Mortgage Solutions
In the last year, Justin Alexander led the product team that built a new process for the company’s Smarter Valuation offering and was instrumental in the enhancement and adoption of ACI Sky, a cloud-based appraisal platform that aims to improve the way appraisal reports are created.
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2018 HW Insiders: Christina Bartning

Vice President of Marketing and Client Solutions, National MI
National MI attributes its success to Christina Bartning’s passion and commitment to excellence. After all, the company has grown from a startup to a successful provider of mortgage insurance in only six years. Bartning, was central to the launch of the mortgage insurance provider’s new risk-based pricing platform, Rate GPSSM.
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2018 HW Insiders: Louann Bernstone

Head of Risk and Compliance, FormFree
As head of risk and compliance at FormFree, Louann Bernstone oversees all matters relating to compliance, vendor management and enterprise risk for the asset verification technology provider. Bernstone has played a key role in forging strategic partnerships with regulators and GSEs.
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2018 HW Insiders: Lisa Birmingham

DevOps Manager, LBA Ware
Since joining LBA Ware, DevOps Manager Lisa Birmingham has made her presence known in a big way. Not only has she increased the number of subscribers to the company’s integration platform LOS Talker by 245%, but she led the initiative to rewrite the system’s code.
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2018 HW Insiders: Toni Bright

Chief Compliance Officer, CoesterVMS
Chief Compliance Officer Toni Bright knows everything there is to know about compliance in the industry, and ensures CoesterVMS maintains it to a T. Bright has not only helped establish the company’s core values, but is the main enforcer of them as well.
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2018 HW Insiders: Jill Cadwell

Senior Vice President of Title Services, Radian
As the senior vice president of title services at Radian, Jill Cadwell is working to change the face of the title industry. Cadwell, a new face at the company, holds 30 years of experience in the national title and close market and is expected to make noticeable changes to the title services Radian has to offer in the years to come.
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2018 HW Insiders: Charlotte Catalfo

Senior Vice President of Enterprise Operations, Freddie Mac
Charlotte Catalfo is the powerhouse behind Freddie Mac’s Enterprise Operations department, where she provides leadership and dictates strategy for the development and implementation of technology capabilities as well as the use of information assets within the organization.
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2018 HW Insiders: Brittany Christerson

Director of Sales and Marketing, London Computer Systems
As Director of Sales and Marketing at London Computer Systems, Brittany Christerson has been netting never-before-seen revenues for her company, consistently boosting revenue by 16% to 20% every year. Reaching beyond her departments, Christerson’s hard work and savvy are forces felt in every corner of the company.
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2018 HW Insiders: Denisse De Los Reyes

Vice President of Pre-Foreclosure Title Services, ServiceLink
Denisse De Los Reyes started her career at ServiceLink in 2013 and has since proven her excellence every day, by adapting and excelling in various departments at the company. De Los Reyes has improved product workflows and implemented practices that ensure ServiceLink’s relationship and performance remains strong across the board for all clients.
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2018 HW Insiders: Shannon Faries

Director of Risk Management, Land Gorilla
With 40+ years of experience in the mortgage industry, Shannon Faries understands project stakeholders’ troubles in effectively manage construction loans. Faries uses this perspective to benefit Land Gorilla customers in everything the company does– from product development to ongoing customer success.
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2018 HW Insiders: Aravinda Gollapudi

Vice President of Engineering, Ellie Mae
Aravinda Gollapudi leads Ellie Mae’s engineering team responsible for building and delivering Encompass Consumer Connect. Since joining Ellie Mae in 2016, Gollapudi has driven development of critical products, including Consumer Connect, which serves as the digital front-end for home buyers to interact with their lenders.
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2018 HW Insiders: Dan Graham

Head of Portfolio Management, PeerStreet
As one of the founders of PeerStreet, Dan Graham has demonstrated excellence at all levels from designing processes to building his teams. Under Graham’s leadership, PeerStreet’s investors have suffered zero principal loss to date.
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2018 HW Insiders: Tobias Griffith

Implementation Expert, IDS
As part of the IDS implementation team, Tobias Griffith is the primary agent for ensuring new clients have a smooth and positive on-boarding experience. Griffith walks IDS clients through product implementation, which at times can be tricky.
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2018 HW Insiders: Jami Haddad

SVP, National Post-Closing and Audit Operations Manager at PrimeLending
Haddad and her team’s attention to detail and expertise in compliance have saved more than 1,400 originators time and money on at least 60,000 transactions over the last year. Haddad has more than 18 years of experience in the mortgage banking industry, with over 14 years at PrimeLending.
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2018 HW Insiders: Kimberly Hartsough

Senior Vice President, National Production Operations Manager at PrimeLending
Kimberly Hartsough, senior vice president, national production operations manager at PrimeLending, is just one of those people who is out to make everything and everyone around her better. Hartsough is responsible for engineering one of the most comprehensive and effective operations training programs in the industry.
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2018 HW Insiders: Michael Holmes

Director of Client Services, Class Appraisal
Director of Client Services at Class Appraisal Michael Holmes is the energy behind his department, balancing multiple projects at once while exhorting his team to new heights with his contagious commitment to team work and excellence.
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2018 HW Insiders: Phil Huff

Vice President of Valuations, Altisource
Responsible for the growth and advancement of Altisource’s valuation business, Phil Huff had an immediate impact within the company as its vice president and head of valuations. Huff drives development for the valuation business and has exceeded revenue targets while delivering outsized investor returns.
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2018 HW Insiders: Art Johnson

Director of Securitization Policy, Fannie Mae
Art Johnson is Fannie Mae’s director of securitization policy, and in his role, is responsible for protecting Fannie Mae’s mortgage-backed securities. Johnson is responsible for evaluating and deciding on the types of loans that can be pooled into Fannie Mae’s MBS for its single-family and multifamily products, totaling over $3 trillion in outstanding unpaid principal balance as of April 30, 2018.
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2018 HW Insiders: Jim Jumpe

Senior Vice President and Chief Marketing Officer, Arch Mortgage Insurance
Jim Jumpe positioned Arch Mortgage Insurance as a leader in customer service and innovation by successfully driving sales through customer communications, events, advertising and marketing campaigns. When Arch MI acquired United Guaranty in 2017, Jumpe leveraged best practices from both companies to make the consolidated department more focused, creative and productive.
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2018 HW Insiders: Adam Krause

Vice President of Technical Support, Ellie Mae
As the VP of technical support, Adam Krause is not only responsible for troubleshooting any issue that Ellie Mae’s lenders are experiencing to ensure that they can run their businesses efficiently and effectively, he also ensures that any issues that need attention from the product and engineering teams are brought to their attention.
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2018 HW Insiders: David Kressel

Co-founder and vice president of finance and operations, NotaryCam
David Kressel, co-founder and vice president of finance and operations at NotaryCam, has played an integral role in the development of the company's industry-first capabilities, including releasing version 3 of its online, enterprise-grade platform, and expanding its footprint to serve customers nationwide and in more than 70 countries
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2018 HW Insiders: Max Lamb

Head of Marketplace, Qualia
Max Lamb led the Marketplace team at Qualia in launching and developing it as a core offering. Lamb took ownership of taking Marketplace from a never-been-done-before concept to reality. Lamb’s work resulted in Qualia delivering an innovative service that expands the market for vendors and improves workflows for title companies they support.
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2018 HW Insiders: Marlene Light

Vice President of Lending Support, United Wholesale Mortgage
Marlene Light, VP of lending support at United Wholesale Mortgage, marshals 10 teams consisting of almost 250 people and ensures smooth sailing for the underwriting process. She and her team fly under the radar, but their work is key to UWM’s success.
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2018 HW Insiders: Scott Little

Executive, Flood Solutions, CoreLogic
Scott Little is an industry pioneer with more than 25 years of operations and product management experience. Throughout his 25-year career at CoreLogic, he has spearheaded the development of numerous products and led the creation of the CoreLogic Spatial Solution division.
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2018 HW Insiders: Xing Liu

Chief Risk Officer, NewDay USA
As an analytics expert, Xing Liu is responsible for managing risk and setting guidelines for mortgage lender NewDay USA. Liu oversees all NewDay’s risk management, underwriting and analytical modeling efforts. Liu has a long track record of creating, developing and implementing risk decisions in highly regulated business environments.
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2018 HW Insiders: David McCormick

Senior Vice President of Enhanced Sales, Radian
David McCormick has been instrumental in demonstrating Radian’s core mortgage insurance business by balancing a traditional field sales presence with a high quality centralized inside sales function provides a more cost-effective, yet productive means of supporting customer needs.
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2018 HW Insiders: Carl McLaughlin

VP of Multifamily Operations, Loan Servicing Freddie Mac
Carl McLaughlin, Freddie Mac’s VP of multifamily operations, loan servicing, is one of the main reasons the government-sponsored enterprise is the largest multifamily financier. He drives servicing operations and loan administration – an oft-overlooked job essential to the success of its multifamily operations.
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2018 HW Insiders: Bernard Nossuli

Chief Operating Officer, iEmergent
From building and executing its client management program to providing advisory support to each client, iEmergent Chief Operating Officer Bernard Nossuli makes certain that the company exceeds expectations. Dedicated to continuously improving the quality of the company’s data, Nossuli is the mastermind behind its most successful decision tools.
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2018 HW Insiders: David O'Connor

Chief Technology Officer, radius financial group
As chief technology officer at radius, David O’Connor boasts several attributions to the company’s success. Some of O’Connor’s accomplishments include his work in automated document classification and indexing. His work allows consumers to upload required documents to the company’s application portal.
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2018 HW Insiders: Michael “Mo” Oursler

Chief Credit Officer, NewDay USA
Chief Credit Officer Mo Oursler is the architect of NewDay USA’s accelerated underwriting program, a series of fast-track career training courses that enables young mortgage professionals to earn the MBA’s Certified Residential Underwriter Designation, a specialized designation that demonstrates mastery of the specific skills needed to underwrite residential mortgages.
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2018 HW Insiders: Beth Ozenghar

President and COO, Transformational Mortgage Solutions
President and COO of Transformational Mortgage Solutions Beth Ozenghar has been elevating the mortgage industry one lender at a time. Unafraid of the low-volume, profitability-challenged cycle, Ozenghar has been a proponent of lean and efficient operations before investing in expensive tech solutions.
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2018 HW Insiders: Jennifer Rand

Vice President of Marketing, Amrock
As VP of marketing at Amrock, Jennifer Rand has led the company’s rebranding and led the growth of her department. Over eight years, Rand has grown the marketing team from zero people in 2010 to 30 people today and completely restructured the department into channels dedicated to supporting different areas of the business.
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2018 HW Insiders: Eric Rawlings

Chief Technology Officer, Digital Risk
Eric Rawlings and his team are the architectural backbone and security for Digital Risk’s mortgage services, configurable technology and business operations. Rawlings and his innovative team customize solutions to fit the needs of clients in the financial services and lending space.
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2018 HW Insiders: Kristi Schleicher

Vice President of Customer Experience, TMS
Kristi Schleicher has been a magnet for not only making people fall in love with TMS but making them feel like they a part of the family. Schleicher has been responsible for turning positive and negative callers into some of TMS’ biggest fans.
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2018 HW Insiders: Stephen Schwartz

Director of Economics, Fannie Mae
Stephen Schwartz’s leadership and encouragement of team members has led to the development of a work family that allows for career progression as people demonstrate continuous technical improvement and intellectual curiosity, as well as individual professional development plans.
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2018 HW Insiders: Steven Sinn

Director of Administration Mortgage Quality Management and Research
Steven Sinn, who serves as director of administration for Mortgage Quality Management and Research, utilizes his 40+ years of industry experience to help the company achieve its growth objectives by keeping his fingers on the pulse of all aspects of the organization and jumping in as needed to fulfill a variety of roles.
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2018 HW Insiders: Walter Skrzynski

Executive Vice President at Auction.com
Walter Skrzynski isn’t one to rest on his laurels. His team, which runs Auction.com’s online bidding strategy, works with client management to develop pricing strategies, identify bidding behaviors and manage the bidding process.
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2018 HW Insiders: Henry Smith

Director of Notary Operations, NotaryCam
When Henry Smith joined NotaryCam in 2012 it was still a division of Settleware Secure Services. At the time, NotaryCam was a typical nine-to-five operation, growing at a rate of just 50 new users per month. Smith was promoted to director of notary operations when he joined NotaryCam full-time in 2015. Ever since, he has been a driving force behind NotaryCam’s growth.
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2018 HW Insiders: Jennifer Ward

SVP, National Closing Manage, PrimeLending
Known at PrimeLending as its “unofficial Tim Gunn,” Jennifer Ward is a make-it-work person. No matter what is thrown at her, she finds a way to close. In her role as national closing and funding manager PrimeLending, she is responsible for ensuring all loans close and fund accurately, efficiently and on time. No small feat given the sheer number of transactions that pass through her and her team’s hands in the course of a year.
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2018 HW Insiders: Adam Wolfe

Vice President, Deputy General Counsel, United Wholesale Mortgage
Adam Wolfe touches all areas of United Wholesale Mortgage, as overseer of litigation and contrasts he ensures deals cross the finish line. Wolfe’s background as a loan officer has provided him with a broad understanding of the mortgage business. His familiarity with the loan process coupled with his legal acumen makes him an integral part of UWM’s leadership team.
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Black Knight introduces AIVA, a virtual assistant for mortgage lenders

The solution uses artificial intelligence and machine learning capabilities to reduce expenses and relieve staff from repetitive tasks
As a trusted business partner, Black Knight is continuously looking for ways to help its clients overcome their most critical business challenges. With the recent acquisition of HeavyWater, Black Knight now offers artificial intelligence (AI) and machine learning (ML) capabilities specific to the mortgage industry.
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CoreLogic’s Property Tax Estimator streamlines closing

Property Tax Estimator combines up-to-date tax information with the company’s proprietary estimation engine
Property Tax Estimator is a transaction-based product enabling lenders to instantly access comprehensive real property tax information for a specific property address at the time of loan application.
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DocMagic’s new app maximizes borrower engagement

The LoanMagic app and the LenderPortal work together to provide a pain-free loan process for borrowers and lenders
What borrowers want is easy, convenient lender interaction… free from the hassle of paper, faxes, emails etc. At the same time, lenders and closing agents need a way to keep borrowers happy and responsive in order to keep things flowing. The LoanMagic app is a win on both sides of the relationship.
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Docutech's Solex eSign meets borrower demand for mobile interface

All-in-one solution gives lenders a competitive advantage
Designed for clients leading out in the digital mortgage age, Solex eSign is an all-in-one solution that is directly integrated with Docutech’s dynamic document generation engine, ConformX, to support streamlined processes and seamless workflows. Using Solex eSign, lenders can access the most comprehensive library of documents in the lending industry and facilitate eDelivery and eSignature anytime, anywhere, from any device.
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Ellie Mae provides a customizable, branded and mobile online application

Encompass Consumer Connect engages borrowers and provides lenders with faster results
Today’s average homebuyer is three times more likely to find a lender online than they were five years ago, and 60% of homebuyers expect to apply for and complete their home loan application completely online. In order to meet these expectations, Ellie Mae developed Encompass Consumer Connect, which allows lenders to offer an engaging online consumer experience that’s transparent and compliant. 
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From HW Magazine

Factom builds blockchain platform for business data

Factom Harmony allows businesses and software vendors to quickly add blockchain capabilities using simple API calls
The use of blockchain technology for fintech companies is on the rise and Factom, a blockchain-as-a-service (BaaS) technology company, specializes in solving the major pain points companies face when implementing blockchain technology.
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First American’s solution provides a platform to help achieve digital transformation

Digital Gateway offers lenders a single point of access to all of First American’s data and services
In Fannie Mae’s Q2 2018 Mortgage Lender Sentiment Survey, cost-cutting was cited by 30 percent of lenders as one of their two most important goals, with business process streamlining also among their top priorities. First American Mortgage Solutions developed the Digital Gateway so lenders can access data earlier in the origination process and gain greater flexibility in the order placement and status events that are important to borrowers. Greater flexibility results in lower origination costs and a faster mortgage process.
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The FirstClose Report reduces costs and closing times

Refinance and home equity loan solution gives lenders everything they need to close in one file
With innovation and customer feedback top of mind, FirstClose developed a refinance and home equity loan solution, the FirstClose Report, that gives lenders everything they need to close within one file.
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Genworth’s new website was built with customer feedback

The MI Site features a visual pipeline system that allows users to track the status of each MI application
By maintaining dedicated, personal relationships with mortgage lenders, Genworth Mortgage Insurance continually identifies new opportunities to serve housing finance professionals through technology and innovation. One of its recent opportunities was also one of its most significant: launching a premier website designed after extensive user experience (UX) research.
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Land Gorilla’s Construction Loan Manager mitigates risk for lenders

Allows lenders to confidently return to construction lending
When the housing industry crashed in 2007, construction lending was viewed as high risk and regulations were added to an already-struggling industry, causing many lenders to stop originating those loans. Around the same time, the concept of cloud computing — using a network of remote servers for data storage and management — was beginning to take off in the information technology sector.
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Portfolio Underwriter automates non-agency loans

LoanScorecard’s solution empowers the non-QM market
Automating the underwriting process has been one of the biggest leaps forward in the modern mortgage era, ensuring consistent, fair and safe lending after the financial crisis. But the many benefits of using automated underwriting systems — required for agency loans —haven’t been affordably available for lenders and investors who keep loans in portfolio. For those non-agency loans, many financial institutions are still relying totally on a manual process, which increases risk and leaves many high-quality lending opportunities on the table.
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Borrower Center delivers rare digital mortgage performance

As an innate feature of Mortgage Cadence’s LOS, Borrower Center creates a fully integrated digital experience for borrowers
Recognizing that high-performance lending depends on the interplay of people, process, and technology, Mortgage Cadence solves for inefficiencies in the origination process. They knew the creation of an experience that made it easier for borrowers to shop, compare, and apply for a mortgage, while simultaneously creating a lending experience that increased efficiencies through automated workflows, would provide the industry with the most innovative lending solution on the market.
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Pavaso connects all parties of the mortgage process to one central solution

Documents are stored in the Pavaso Platform with anytime access
With digital mortgages poised to transform the entire housing industry, Pavaso has been working for the last several years to advance the mortgage industry forward and to provide all stakeholders in a mortgage transaction everything they need to achieve an efficient, seamless digital closing.
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PromonTech uses augmented intelligence to reduce costs

Borrower Wallet + Income AI improves data quality and gives transparency to underwriters and borrowers
PromonTech created Borrower Wallet and Income AI to boost dynamic collaboration between applicants and lenders and improve data quality. And most importantly, PromonTech is focused on creating loan fulfillment efficiencies aimed at saving lenders up to 20% on the cost to produce a mortgage.
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RES.NET delivers off-the-shelf REO asset management

REO Portal’s new features include value analytics tools with MLS integration, a mobile home module and custom marketing sites
About a decade ago, REO outsourcing company USRES was looking for a comprehensive system to manage its clients’ REO assets efficiently.  When it realized there wasn’t a product that met those needs, it spun off a technology company, RES.NET, and developed its REO Portal.
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The SimpleNexus platform can cut origination time by 20%

The platform turns loan officers into mobile originators and gives borrowers unprecedented transparency into their loan status
SimpleNexus, a leading provider of private-label digital mortgage platform solutions, enables lenders to originate and process loans from anywhere. The SimpleNexus platform serves 15 of the top 25 retail mortgage lenders in the U.S. with more than 180 enterprise mortgage companies and more than 18,000 loan officers nationwide.
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Speedpay’s Next Gen delivers self-serve mobile billing

Bill payment solution provides servicers with innovative omni-channel payment and communication options
Speedpay provides electronic bill presentment and payment services across a wide spectrum of platforms. Speedpay’s platform, Next Gen, provides a bill payment solution through modern, responsive web and CSR desktop designs utilizing industry best practices and client feedback. This includes customer profiles, wallet management, notification preferences and enhanced IVR and web experiences.
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Sutherland’s data-driven solutions lower operation costs

SmartRPA and SmartMortgageAPP were created to meet the demand of tech-savvy consumers
With the acquisition of Nuevora, Sutherland Mortgage has expanded its existing capabilities using analytics and artificial intelligence. Sutherland’s solutions are designed to translate massive amounts of data into useful real-time action that drives new-customer acquisition, minimizes customer churn, optimizes pricing and lowers the cost of operations. The company’s SmartRPA and SmartMortgageAPP were created to transform the customer’s business for the digital era.
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SIME provides transparency between lender, borrower and servicer

Includes new borrower-facing mobile app, TMS Happinest Mobile
While the industry as a whole has been laser-focused on creating digital loan applications to drive leads into their pipeline, TMS laid the foundation for a new way of doing business by focusing on the borrower first. Recognizing the need for innovation in servicing, TMS created a subservicing platform, SIME, Service Intelligence Made Easy, that allows more transparency between lenders and servicers.
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Commentary

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From HW Magazine

Better serving the Hispanic mortgage market

Don’t miss the opportunity to reach this growing market demographic
Hispanics have huge purchasing power in the U.S. and the rate of homeownership among this population has grown every year since 2014, reaching 46.2% in 2017. In fact, Hispanics are the only demographic in the U.S. to increase homeownership rates for each of the past three years and are driving gains in the real estate market overall. By understanding the unique needs and expectations of the Hispanic community and positioning yourself to fulfill those needs, real estate professionals can become an important servicer of this consumer demographic and experience related growth.
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Becoming a self-promoter

Marketing strategies to help you stand out in a crowded market
With today’s focus on new and emerging technology, it can be easy for loan officers to rely on electronic, automated solutions to gain new business instead of putting forth their full efforts to reach potential customers and referral sources. While keeping up with technological advances is vital to staying relevant in our industry, the timeless fundamental practices of a natural self-promoter are irreplaceable. Read on for three steps self-promoters utilized to strategically market themselves to each audience.
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