Sponsored Content

This content was paid for by an advertiser and created by the HousingWire Content Solutions team. The Content Solutions team works with leading industry organizations to create engaging and informational branded content.

ARTICLES

  • Sponsored By
    FICO

    FHFA on credit score delivery: forgotten lessons

    Multiple versions of a credit model may lead to added cost and complexity
    Recently, FHFA posted a Request for Input asking for opinions concerning options for changing the delivery of credit scores to the GSEs, underwriters and investors. FHFA is considering various options to change the current system. Any such choice, in the end, is the outcome of a detailed cost-benefit analysis, but while FHFA acknowledges this, they fall short of providing the necessary framework for reaching an informed conclusion.
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  • Sponsored By
    New American Funding

    Company provides a vital link for purchase buyers reaching out through call centers

    New American Funding offers neighborhood data and connects homebuyers to real estate agents
    The homebuying process has changed drastically in the last decade, with buyers happy to self-serve as they look for homes and home loans. That process of self-education often lands them in an unusual space: loan call centers, which used to be the choice for homeowners looking for refinance loans, not first-time homebuyers reaching out for a purchase loan.
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  • Sponsored By
    Factom Inc.

    How do you know if blockchain is right for your business?

    Factom provides a four-step roadmap — and a sandbox — to find out
    Factom offers a Sandbox for developers to try their Blockchain-as-a-Service offering, enabling them to quickly implement a proof of concept applicable to their business. Business stakeholders can immediately evaluate the value to their business with the accompanied user interface that is flexible to users’ data format. In other words, you do not need to change your data’s structure or format to fit the type of blockchain you need.
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  • Sponsored By
    Arch MI

    RateStar expands lenders' origination opportunities in a competitive market

    Will Vickers of Arch MI explains the benefits of the dynamic pricing engine
    With home prices across the country increasing and interest rates also on the rise, lenders are looking for ways to help borrowers afford homeownership. Arch MI RateStar is a dynamic MI pricing solution that expands lenders’ origination opportunities in a competitive market.
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  • From HW Magazine
    Sponsored By
    Mortgage Cadence

    Borrower survey reveals 3 key observations in lending

    Lenders need to meet borrower expectations for the experience
    Since 2016, Mortgage Cadence has been partnering with Accenture Research, polling American borrowers to determine what they were thinking, feeling and doing as they were moving through their mortgage application journey. In 2016, when we first asked borrowers to rate their level of satisfaction with lenders, 45% said they were ‘very satisfied.’
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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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  • 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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  • Sponsored By
    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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Lereta

LERETA

For more than 29 years LERETA has provided the mortgage and insurance industries the fastest, most accurate and complete access to property tax data and flood hazard status information across the United States. Since 1986, LERETA committed to provide customers with extraordinary service and cost-effective property tax and flood solutions and continues to have this same objective today. LERETA’s services are designed to increase efficiency, reduce penalties and liabilities, and improve processes for mortgage originators and servicers. LERETA’s dedicated teams of real estate tax and flood professionals along with LERETA’s experienced management team allow LERETA to lead the industry in service and technology.

Genworth Mortgage Insurance

Genworth Mortgage Insurance

Genworth Mortgage Insurance Corporation is headquartered in Raleigh, North Carolina, and operates in all 50 states and the District of Columbia. Genworth has provided mortgage insurance products and services to help people responsibly achieve and maintain the dream of homeownership in the U.S. since 1981.