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U.S. Banker December 2008 Glen Fest	Workout Analytics Taken to Loan Level Banks and servicers are broadening portfolio analytics to include more loan-level details and more predictive analytics around consumer behavior.
BusinessWeek March 10, 2011 Karen Weise	States Test Mortgage Principal Write-Downs Some economists say home-loan forgiveness is the key to a real estate rebound.
The Motley Fool June 7, 2011 Cindy Johnson	More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.
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.
The Motley Fool August 13, 2009 Morgan Housel	3 Reasons Mortgage Modifications Are Failing Want a mortgage modification? Cross your fingers, and don't expect a lot of help from banks.
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.
Commercial Investment Real Estate Jan/Feb 2011 Sbaiti & Grunnah	The Shadow Effect A backlog of unforeclosed properties haunts today's market.
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.
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.
BusinessWeek December 25, 2006 Mara Der Hovanesian	The "Foreclosure Factories" Vise The predatory tactics of some mortgage servicers are squeezing homeowners.
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.
U.S. Banker June 2009 Kathy Brister	Counselor Loan-Mod Tool Aids Lenders in a Pinch A software tool conceived as a way to bring faster relief to troubled borrowers now holds promise for aiding the overburdened banks that backed those mortgages.
Financial Advisor January 2011 Gail Liberman	Another Real Estate Mess Clients with option ARMs could be getting a nasty surprise in the coming months.
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 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 Technology News February 2010 John Adams	New MBS World Calls For Better Vision In an attempt to sell that handle, portfolio management tech providers recently developed new technology and are expanding existing services to allow investors and institutions to track changes in LTV ratios, income, defaults, local real estate prices and other loan data.
BusinessWeek January 7, 2010 Gittelsohn & Gopal	Finding a Better Lifeline for Homeowners With mortgages underwater by a record $745 billion, regulators may force lenders to cut principal.
The Motley Fool July 7, 2009 Morgan Housel	The New Subprime All you have to do is drop the sub.
U.S. Banker November 2008 Clark Abrahams	Reverse Reengineering of Risk As the recent mortgage crisis has exposed, the science of risk scoring needs some tweaking.
Bank Technology News October 2008 Clark Abrahams	Reverse Reengineering of Risk The science of risk scoring needs some tweaking.
BusinessWeek February 12, 2009 Brian Grow	What's Holding Back Mortgage Modification? Many mortgage services say they can't modify terms to let homeowners avoid foreclosure. But there may be fewer obstacles than they claim.
Bank Systems & Technology January 29, 2005 Travers & Tyrie	Monitoring Credit Rising consumer debt levels in many countries have led to concerns about deteriorating credit quality. To mitigate their exposure, leading banks are employing sophisticated analytical techniques to improve underwriting, while also managing risk better through the use of credit derivatives.
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.
Bank Systems & Technology May 6, 2009 Katherine Burger	Fiserv Will Provide Fannie Mae with Real-time Data Transmission from Its Loan Servicing Platform Fannie Mae has engaged Fiserv in a technology partnership intended to help the agency gain more real-time information about its mortgage portfolio.
The Motley Fool October 16, 2007 Dan Caplinger	How Not to Profit From the Mortgage Crisis It's tempting to try to profit from the irrational state of the mortgage lending market. Beware, investors, in many cases, trust deeds are extremely risky.
The Motley Fool November 8, 2011 Morgan Housel	Fixing Housing: Easier Said Than Done Ever since 2007, there's been a push from both private executives and public policy makers to do more, tweaking every knob in an attempt to end the housing slump sooner rather than later.
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.
U.S. Banker March 2010 Andrew Dubinsky	How to Unclog the Loan Mod Pipeline? Eliminate Paper The Obama Administration is doing everything it can to help minimize the effects of the ongoing mortgage crisis but for HAMP to work, the cumbersome documentation and verification process must be eliminated.
The Motley Fool March 6, 2008 Timothy M. Otte	Bernanke Has a Point. Maybe. Is his idea about reducing mortgage principals a reasonable one?
Bank Systems & Technology January 28, 2009 Peggy Bresnick Kendler	Overture Technologies Launches Automated Decisioning System for Loss Mitigation Bethesda, Md.-based Overture Technologies has launched Mozart for Special Servicing, an automated decisioning system for servicing distressed mortgage assets.
Bank Technology News March 2009 John Adams	Pumping More Value Into e-Valuations The mortgage tech industry's been working feverishly to freshen the data cocktails used by automated property valuation models (AVMs) to meet industry demands for greater predictive acumen in an uncertain market.
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.
Bank Technology News July 2010 John Adams	New Mortgage Risk IT Leaves No Loan Unturned The residential mortgage backed securities market has been a bit like a beached whale over the past couple of years in part due to past risk management and performance reporting considered by investors to be incomplete and out of date, a gap that new risk tech solutions are hoping to bridge.
The Motley Fool December 4, 2009 Morgan Housel	The Dumbest Stimulus Plan to Date Punishing prudence, one bank at a time. One year ago, banks were ridiculed for making so many bad loans. Today, they're being threatened with fines for not making enough.
The Motley Fool July 9, 2009 Dan Caplinger	Let's Stop the Housing Crisis Once and for All It's hard to believe how easily it all could have been prevented. By simply following an old-fashioned standard for taking out a mortgage loan
Commercial Investment Real Estate Jul/Aug 2012 Gantz et al.	CMBS Concerns Are securitized loans worth the trouble?
U.S. Banker April 2010 Kate Berry	Paying Seconds First Despite falling behind on mortgages, borrowers continue to make payments on home equity loans.
Financial Advisor July 2007 Eric L. Reiner	Housing Sings The Blues Real estate woes bring both worry and opportunity to the financial sector.
BusinessWeek June 9, 2011 Weise & Harper	Goldman Closes the Door on Subprime The sale of a mortgage servicer marks the end of a misadventure.
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.
BusinessWeek February 17, 2011 Gopal & Shenn	Forecast: A Milder Mortgage Meltdown Low interest rates have helped defuse the option ARM time bomb.
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.
National Real Estate Investor January 1, 2009 Poonkulali Thangavelu	Stephanie Petosa: Loan service companies come to the forefront How the credit crisis is impacting commercial mortgage servicing, demand for modified loan terms, and problems created by loans going into different CMBS tranches.
The Motley Fool September 24, 2007 Dan Caplinger	A Jumbo Opportunity Interest rates on jumbo mortgages rose nearly half a percentage point in August, even as regular mortgage rates were mostly coming down. Is it time to raise the jumbo loan amount minimum?
Registered Rep. August 9, 2012 Mark Miller	Reverse Mortgage Madness Two recent studies illustrate the pressure that the housing meltdown is putting on older homeowners - and the risks associated with draining home equity.
OCC Bulletin December 29, 2005	Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
Bank Systems & Technology March 29, 2006 Maria Bruno-Britz	Originating Relationships Mortgage bankers are mining and analyzing data to get a bigger bang for their relationship buck.
The Motley Fool February 28, 2011 Dan Caplinger	Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.
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.