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Bank Technology News February 2009 Bob Craig	Virtual Collections Lead to Reduced Loan Charge-offs With consumer delinquencies on the rise across-the-board, smart financial institutions are employing innovative, virtual collections technology to decrease charge-offs and have a significant impact on their income statements.
Bank Systems & Technology November 29, 2004 Ivan Schneider	Credit Scoring Models Get Analytical Adjustments Lenders update analytics to assess the likelihood of collections and recovery in new economy.
The Motley Fool September 6, 2007 David Lee Smith	The Mortgage Lenders' Dual Masters Whatever steps some lenders and loan service agents are willing to take to help troubled mortgage holders, the crush of delinquencies and foreclosures, along with radically tightened credit standards in the mortgage industry, will make for a slow recovery for the U.S. housing market.
BusinessWeek May 7, 2007 Palmeri & Kopecki	Why This Slump Is Different Foreclosures are rising fast, investors are sweating, and lenders are now bending over backwards to keep bad loans alive.
The Motley Fool February 15, 2008 Dan Caplinger	Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?
This Old House December 2007 Keith Pandolfi	How to Escape Mortgage Disaster If you foresee trouble making you mortgage payments next year, don't panic - there are options out there to help you stay afloat
Bank Technology News October 2007 John Adams	Credit Collections: Fair Isaac, Online Resources Are at the Door Online Resources is partnering with Fair Isaac to make its Web-based collections tool available to hundreds of collection agencies and debt buyers via Fair Isaac's ScoreNet network.
U.S. Banker November 2007 John Adams	Credit Products: OR, Fair Isaac Partner On Debt-Collection Tool Online Resources is partnering with Fair Isaac to make its Web-based collections tool available to hundreds of collection agencies and debt buyers via Fair Isaac's ScoreNet network.
Bank Technology News January 2008 Glen Fest	Risk Without Reward The subprime mess has exposed how fragile banks are today to market pressures, and how much can fall on the shoulders of risk officers. Finding a path forward from the ashes will require stronger leadership overseeing risk.
Bank Technology News April 2009 John Adams	Loss Mitigation in 3-D Collections and loss mitigation platforms are graduating to a level of Web-enabled sophistication that culls data from multiple channels and multiple products.
Bank Technology News May 1, 2008 Glen Fest	REO: Banks Ponder: To Sell or Not to Sell? As foreclosures rise, bank by bank, the real-estate owned portfolio news is anywhere from sickly to critical.
Bank Systems & Technology July 19, 2010 Penny Crosman	71% of Lenders to Adopt Online Lending Technology, Survey Finds Study also projects that online mortgage-application volume will triple by 2013.
This Old House Sid Davis	Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.
BusinessWeek May 6, 2010 Jody Shenn	Mortgages: Strategic Defaults Are On the Rise By not making mortgage payments on "underwater" homes, borrowers may be paradoxically helping to boost the economy.
U.S. Banker February 2008 Glen Fest	Risk Without Reward Finding a path forward from the ashes of the subprime mess will require stronger leadership overseeing risk, a culture more respectful of interdependent risks and new technologies measuring them across the enterprise.
The Motley Fool May 24, 2007 Dan Caplinger	Mortgages for the Military The Veterans Administration has programs for current and former members of the military to help them get financing to buy a home. Serving in the military generally makes you eligible to take out a VA loan.
BusinessWeek October 1, 2009 Christopher Palmeri	Short Sales: A Fraying Lifeline for Homeowners Lenders are reining in short sales aimed at helping troubled mortgage borrowers.
U.S. Banker September 2008 Tambor & Cortez	The Perils Of Crisis Mode Risk exposure is now racing through the home equity lending industry, leaving a far different landscape for institutions to navigate. As home prices fall and delinquencies soar, lenders are scurrying into defense mode.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
The Motley Fool March 20, 2007 Mary Dalrymple	5 Reasons to Scrimp for a Down Payment Of the million or so hurdles you can encounter between you and your first home, the down-payment hurdle can sometimes loom the largest. It's not easy, but it can save you more money down the road.
National Real Estate Investor January 1, 2003 H. Lee Murphy	Lenders On Alert Despite the weakening economy and soaring vacancy rates in many property types, loan delinquencies and foreclosures have not risen to the point where lender portfolios are endangered.
BusinessWeek July 19, 2004 Christopher Palmeri	Lenders Switch On Their Back-Up Systems After one of the nation's largest mortgage lenders announced earnings 17% below expectations, investors wondered if the nation's three-year-long mortgage bonanza might end not with a soft landing but with an earnings-pummeling thud.
BusinessWeek May 1, 2008	Navigating the Crunch A financial aid expert explains how borrowers can best ride it out.
The Motley Fool June 30, 2004	What's Your Down Payment? Learn to determine how much you should put down when buying a home.
Bank Technology News October 2010 Sausner et al.	Balancing Act Here's a look at three areas of mortgage lending -- origination risk, default management, and impending regulations -- and some of the answers on the table today.
Bank Systems & Technology August 1, 2007 Maria Bruno-Britz	Lenders Focus on Customer Relationships Lenders are challenged to find ways to grow revenue in a more risk-averse climate. As always, technology is playing a key role in their efforts to adapt to the new market conditions.
U.S. Banker August 2001 Ted Cornwell	Fears of Defaults Subprime loans are behind the fears. They have not been tested in a declining economy and analysts don't know what to expect.
Bank Technology News February 2010 John Adams	Daylight Come and They Need Loans Paid Banks require improving collections systems to locate troubled loans that can be prevented from hitting the default dustbin, then helping overburdened staff reach a resolution that gets the borrower paying again. There's also a bit of amnesia that has to be cured.
U.S. Banker July 2010	Mandatory Education To prevent future stress in the housing market at the levels we see now, financial education should be required of anyone who receives a mortgage.
Bank Systems & Technology April 1, 2005 Cynthia Ramsaran	Echoes of the Mortgage Boom With more institutions vying for the business of fewer customers, it's more important than ever for mortgage players seeking to grow revenues to improve service by offering new and differentiated mortgage products, such as Web-based offerings.
BusinessWeek September 17, 2007 Lauren Young	This Old Foreclosure Buying directly from a bank avoids some risks, but don't expect a steal.
Bank Systems & Technology November 26, 2007 Maria Bruno-Britz	Lending Tech Vendor Space to See Realignment As lenders find themselves in the throes of the credit crunch, the ill effects are trickling down to the lending technology vendors, ushering in a realignment in the space.
BusinessWeek January 14, 2010 Zainab Fattah	Dubai: The First Foreclosure Barclays' landmark case paves the way for other lenders to go after homeowners in default
Entrepreneur February 2008 Crystal Detamore-Rodman	The Real Estate Deal Shopping for a commercial real estate loan can be tricky. Here's what you need to stay balanced.
The Motley Fool December 12, 2007 Rich Duprey	Mitigating Mortgage Problems If the politicians' plan for saving borrowers won't help you, this might. Here are some things to try to get off the road to foreclosure.
This Old House L. Gallant & D. Snoonian	The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you.
The Motley Fool December 27, 2006 Mary Dalrymple	ARMs in All Shapes and Sizes Heed some warnings when shopping for an adjustable-rate mortgage.
The Motley Fool April 17, 2006	Your Down-Payment Portion Don't put down 20% on your new home unless it makes sense for you.
The Motley Fool October 26, 2007 Dan Caplinger	Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.
The Motley Fool August 16, 2007 John Rosevear	Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
Commercial Investment Real Estate Jul/Aug 2010 Huntley & Mullaney	Both Sides Now Commercial property borrowers and lenders must face the music together with a plan.
Bank Technology News July 2005 John Adams	Lead generation: Mortgage lenders Go Customer Fishing The lures that institutions such as Wachovia and the Loan Page are using to attract new real estate customers are plentiful, including web chats, credit matching, and Internet cross marketing.
U.S. Banker September 2010 Bonnie McGeer	Finding the Right Match Online loan exchanges like BoeFly and Biz2Credit are gaining traction as banks look for new ways to find more small-business borrowers.
U.S. Banker March 2011 Tim Grace	Mortgage Buybacks Point To Need for Better Analytics With mortgage fraud rising, the need for consistent, industry-wide fraud controls are a fundamental building block for improved loan quality.
U.S. Banker July 2009 Glen Fest	Assuming an Old Remedy Maybe it's time lenders dust off an old idea -- the so-called simple assumption loan.
BusinessWeek December 25, 2006 Mara Der Hovanesian	The "Foreclosure Factories" Vise The predatory tactics of some mortgage servicers are squeezing homeowners.
Commercial Investment Real Estate Jan/Feb 2011 Brad Cox	The Loan Request Package How to request -- and get -- the best loan from today's limited lending sources
Entrepreneur April 2007 Jennifer Pellet	One Step Ahead Options for buying a home when you can't prove income.
BusinessWeek November 19, 2007 Lewis Braham	Help a Homeowner, Get a Double-Digit Return Whether the loan is between friends or strangers, private lenders say returns after expenses have historically been in the low double digits.