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HW Magazine

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October/November 2018

Cover Story

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From HW Magazine

Dream Team: How the Arvielos are leading New American Funding to record growth

Q&A with Rick and Patty Arvielo
The first thing you notice about New American Funding's Rick and Patty Arvielo is how much they like each other. That might seem like a foregone conclusion when you meet a married couple, but when that couple also runs an incredibly successful business together, I imagine it could get complicated. Read on to find out more about how this successful couple manages their life, and business, together.
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Feature Stories

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Unique Solutions: Arch MI's RateStar Buydown

Allows lenders to customize a borrower's MI premium to an exact dollar amount
Without a doubt, the biggest challenge for our clients is margins. Competitive pressure is one reason that mortgage insurance (MI) is now at the forefront of so many transactions — it can truly make a difference for the borrower. Arch MI created this unique new tool that’s similar to a rate buydown and allows you to customize your borrower’s MI premium to an exact dollar amount.
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From HW Magazine

UWM: Winning by putting mortgage brokers first

One in every five loans closed by a mortgage broker goes through UWM
Through the first six months of 2018, UWM had taken a commanding 20.4% of market share in the wholesale channel en route to closing $19.4 billion in loan volume. The closest competitor, Caliber Home Loans, closed $6.2 billion in loans for a 6.6% market share in the same timeframe. Astonishingly, UWM’s market share means that one in every five loans that a mortgage broker closes in the United States goes through UWM.
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From HW Magazine

Sagent Lending Technologies: Providing a true partnership model for developing solutions

Lenders leverage LoanServ to find efficiencies in the back office
Newly independent and inspired by a vision of where lending technology is going, Sagent brings an entrepreneurial energy to its clients that’s grounded in industry-leading credibility. Stressing that it’s only successful when its clients are successful, Sagent believes in a true partnership model with a healthy back and forth between its expert team of developers and the lenders the company has promised to serve.
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From HW Magazine

Hot Seat: Matt Richardson of Manley Deas Kochalski

Ohio court rulings continue to cause concern for servicers
The Ohio courts are still grappling with the Ohio Supreme Court's Holden decision from 2016. In this case, the Court made what appeared to be a simple holding that nevertheless has created new disputes in the lower Ohio courts and even the Ohio federal courts. There is now a split of authority in the Ohio courts, both state and federal, regarding how long the statute of limitations is for a cause of action under the mortgage.
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Commentary

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From HW Magazine

How can we thrive during challenging times?

Why lenders shouldn’t be afraid of new talent
For the first time since 1981, our industry is experiencing a rising interest rate environment. Some people may assume that the current market shift means their business will take a downward turn from which they will never recover. I don’t buy it. The way I see it, challenging times force us to refine our processes and practices.
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From HW Magazine

Creating a culture of IT security

How to boost your company’s cybersecurity efforts
The state of corporate cybersecurity is constantly in flux. With new threats emerging and multiplying quickly, the stakes are high for making sure company systems and data are always secure. According to the 2018 Cost of a Data Breach Report, the average cost of a data breach across industries and countries is $3.86 million, a 6.4% increase from 2017 and a nearly 10% net increase over the past five years. It is no surprise that business leaders are continually looking to lessen the risks.
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From HW Magazine

Buy, don’t build

Why digital lending solutions are better with a partner
In the digital age, every sort of business should offer its clients a digital experience, and lenders are absolutely no exception. Clients, including borrowers, expect to be able to interface with their lender online and at their convenience, and the elegance and ease-of-use of a digital lending experience may be what decides a borrower on where to take their business.
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From HW Magazine

3 ways lenders can service borrowers with a good or prime credit score

Steps to provide loans that work for both lenders and borrowers
Today’s mortgage brokers and lenders are looking for higher credit scores, leaving worthy borrowers with fair credit scores struggling to find reasonable rates on mortgages. To correct this issue, lenders must adjust their approach and start providing reasonable loans to qualified buyers. Here's how.
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