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Blog

The industry ideas, tips, and trends we're currently musing on

Making Survival Decisions in Times of Crisis

With high interest rates, the decisions that lenders make can determine whether they succeed or leave the business.

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Recent highlights

Blog
Making Survival Decisions in Times of Crisis

With high interest rates, the decisions that lenders make can determine whether they succeed or leave the business.

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The Mortgage Industry’s Next Winning Strategy

Mortgage lenders compete in a business that is both simple and complex, which means we often have different approaches.

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Back to Basics
What is a GSE? What is Their Relationship With Mortgage Lending?

Understanding what a government-sponsored enterprise (GSE) is, and what their relationship with mortgage lending is.

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Trends for Senior Homeowners Point to Reverse Mortgage Opportunity

There are two big trends that are driving more older homeowners to loan products: rising consumer prices and and aging American population.

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Back to Basics
Reverse Mortgages

Understanding what a reverse mortgage is, and learning who qualifies for this opportunity and why they do.

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AI is Coming, but it’s Not What You Think

Artificial intelligence (AI) creates improvement in experience for both consumers and those delivering the service.

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Back to Basics
What is a Mortgage POS? How Does it Differ from an LOS?

Understanding the key differences between a mortgage POS and a mortgage LOS, and when to use each solution.

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Clearing Obstacles to Get Better Technology

What obstacles are lenders facing when it comes to technology, and how can they overcome them to create a stronger business?

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Choosing the Right Partner in a Crisis

Why should lenders try to find a partner who has a view of the entire loan origination landscape, and how does it create more opportunity?

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AI’s Superpower: Allowing Human Redeployment

What can AI offer our industry, and why should lenders take advantage of it?

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The Mortgage Industry’s Low-Hanging AI Fruit

Despite all the technology lenders have deployed over the past three decades, mortgage's are still pretty behind.

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Building a Bridge from One Side of the Mortgage Business to the Other

We are witnessing a shift, with technology connecting the forward and reverse mortgage industry and professional loan officers.

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The Technology That Puts Lenders in Control

Lenders need two things to take control of their business. Creating the workflows they want, and the ability to customize their experience.

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The Stories Industry Data is Telling Now

In regards to the reverse mortgage industry, what does recent data show us and the future market opportunity?

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Why Now is the Time to Simplify Your Tech Stack

There are three reasons that lenders are entering into conversations with us now regarding the simplification of their tech stacks.

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How Independent Mortgage Banks are Responding to Borrowers’ Need for Cash

How are Independent Mortgage Banks (IMBs) responding to borrowers' need for cash in today's market?

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Approaching the eClosing Tipping Point

When will the mortgage industry start to accept the idea of a fully electronic loan closing (eClosing) process?

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Avoiding Reputational Risk in Reverse Mortgages

Why should mortgage lenders consider adding reverse mortgage loans to their product menu, and what are the risks that come with it?

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Why Rising Rates Can Never Keep the Mortgage Business Down for Long

Instead of rising rates determining the condition of the market, what factors drive the industry and show what goes down will inevitably rise again?

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Cooperative Home Buying Could Be What’s Next

With low housing inventory, high home prices and rising interest rates, cooperative home buying with joint tenancy might be the answer.

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Preparing for Additional Data Privacy Legislation

Seeking to modernize financial data privacy laws and give consumers more control how their data is used, how can we prepare for this new legislation?

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Did ChatGPT Just Make Chatbots Mortgage-ready?

How has the mortgage industry used chatbots like ChatGPT previously, and what additional AI tools can we expect to see in the future?

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Making Process Changes Easy in Mortgage

In order to keep up with industry changes, a lender's technology needs to be easily customizable to their needs.

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The Unrealized Mortgage Servicing Opportunity

How does the application of AI to the mortgage servicing process help with finding business where no one else can?

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Why The Industry Must Start Sharing Data

How can lenders fully maximize the value that new AI tools can bring to our industry, and the borrowers we serve?

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Getting LOs On Board with Loan Product Changes 

Many lenders are making the decision to add reverse mortgage loan products to their menus, setting themselves up for future success.

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Why Reverse Mortgages Are About to Heat Up 

Being able to originate a compliant reverse mortgage loan using existing technology and staff is a huge advantage for lenders.

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Putting the Final Numbers to 2022

Coming off a $4.4+ trillion year in 2021, this past year was a big change for many lenders. What are the industry's final numbers for 2022?

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The Impacts of Fannie’s Appraisal Decision

Fannie Mae published its Selling Guide announcement SEL-2023-02 that details its new thinking on collateral valuation for home loan lenders.

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Getting Strategic About Lending in 2023 

How should lenders be more strategic about lending in a purchase money mortgage business with volumes down 50% or more, year-over-year?

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A Match Made in M&A Heaven

How are credit unions using mergers and acquisitions (M&A) to help gain attention and grow their business?

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Automated Workflows Can Help Mortgage Lenders with Credit Decisioning

How can leveraging Equifax solutions through MCP help lenders speed up the origination process, and make more accurate lending decisions?

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A Strategy to Win More Business: New RE Agents

How can creating relationships with new real estate agents help lenders win more business in the future?

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Making the Most of the Lender’s Tech Investments

How should lenders utilize their current technology functionalities before deciding to invest in additional tools?

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3 Questions to Ask Your LOS Provider Now

What are the three critical questions every lender should be asking their technology partners as we enter the new year?

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Lenders Getting Creative to Compete

What are some creative techniques that lenders are implementing as a way to stay competitive in today's market?

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Helping Borrowers Understand a Changing Market

How does a lender’s people, processes and technology all contribute to a better customer experience, especially in a purchase money market?

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Is Regulatory Change Slowing?

Why are the mortgage industry regulatory and compliance changes slowing down?

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Teaching AI to be Smarter Than Us

How do tools like AI and machine learning assist in the progression of technology in the mortgage industry?

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Why We’re Excited About the Fall Conferences

If your company is making mortgage loans, you're probably looking for new technology. Find us at the next industry conference!

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Mortgage Cadence Launches Imaging for MCP

Mortgage Cadence launches Imaging for MCP: the latest secure, cloud-based, scalable document management capability that can dynamically respond.

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In Defense of Zero-Based Thinking

How can lenders use the concept of zero-based thinking as a tool for strategic planning throughout their career?

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Where to Seek Mortgage Volume Now 

What should lenders do to find new business opportunities in today's market and maintain high mortgage volume?

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Is Blockchain Coming to Mortgage Origination? 

How will blockchain technology give opportunities and value to lenders who are involved in the mortgage industry?

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Leaning In Through a Downturn 

What are the best mortgage lenders doing to optimize their business when facing such a strong market downturn?

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Leading Through Uncertain Times

There are two areas that lenders should focus on in order to lead successfully during the market downturn.

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Expanding for the Borrower Experience

The borrower experience is important, and goes beyond the transaction itself. What should lenders do to enhance their business?

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Homeowners Are Still Staying Put

What should lenders do to continue to increase their business during the present-day home inventory shortage?

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Smart Tech in the American Home: Distrust or Trust?

A new survey from Mortgage Cadence shows Americans love their smart tech, but also have concerns about privacy and security.

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The Home Equity Opportunity for Credit Unions

How are institutions approaching the home equity market, and how is it impacting lenders and credit unions?

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Seeking Solutions for Affordable Housing

There are solutions to the affordable housing crisis, but telling lenders to finance homes for borrowers who aren’t ready isn’t one of them.

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