Part 3 of the Technology Series: Next Generation LOS

Broadcast Date: January 18, 2007

Loan Origination Systems...Are you Master or Prey?

Perfect for:
• Lenders
• Mortgage Bankers
• Mortgage Brokers
• Technology Companies

The LOS is a critical component in the lending IT arsenal. However, deployment of a new LOS can be challenging...

The Challenge*

50% of LOS implementations fail

30% of lenders are trapped in an unsuccessful or incomplete LOS implementation

30% of mortgage bankers are dependent primarily on broker POS products

20% of lenders are stuck with outdated legacy technology

The Opportunity*

280%, on average, increased dollar volume originations after implementation

85% reported loan origination systems helped them reduce the average time to fund a loan

63% reported an increase in overall productivity per full-time employee

The right loan origination system (LOS) strategy can dramatically improve your bottom line. But, if you don't have a handle on your LOS, you can face delays in deployment, integration woes and other costly problems that minimize your return.

Our experts will share with you:

• How to replace your LOS challenges with opportunities

• Real LOS case studies to apply to your bottom line

• Getting more value from your existing LOS

• LOS success strategies for 2007

• How to get the most out of your LOS (selection, installation, deployment and utilization)

Purchase a CD of this interactive audio conference for critical advice on avoiding the LOS pitfalls challenging mortgage originators right now. 

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Forecasting 2007 - Best Practices for Managing a Title Business in a Slowing Market
Broadcast Date: November 20, 2006

Looking for ways to grow your business in a slowing market?

With 2007 less than 90 days away are you ready to compete in a market that will be totally different from 2006?

Perfect for:
• Abstract Companies
• Attorney Agents
• Affiliated Business  Arrangements
• Title Insurance Underwriters
• Title Vendors and Suppliers
• Vendor Management Companies

As the markets cool, there is a growing list of challenges that title companies are facing. It is crucial that
title management teams seize the opportunity to get to know and understand the upcoming market conditions and how to competitively re-position their business in a changing market.

Do you know if you have built a business that is capable of taking advantage of changes being driven by customers, regulators and new technologies? Do you know how your competitors are positioning themselves?

If you think its time to cut back and go slow or execute that new competitive strategy you have in your back pocket, Title Radio: Forecasting 2007 is the one seminar you don't want to miss!

Forecasting your title business in a slowing market is not an art, it is a science. Our experts will share with you the best practices of other companies in and out of the title industry, and how they adjust their operations when business goes soft.

Purchase a CD or Transcript of this interactive audio seminar and learn key growth strategies to help you expand your business in 2007 and gain the insight you need to build and maintain a more profitable business.

Discussion Topics:
• How to best manage a title company in a slowing market
• Insight on building a stronger, more profitable business with less revenue
• Economic trends and the impact it will have on future operations
• Competitive strategies now being adopted by both small and large agents
• Tips for reducing operating expenses
• How to use contractors vs. employees
• Using technology to reduce expenses

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What is Your Agency Worth?
Broadcast Date: November 14, 2006

Is this a good time to consider selling your title company?

Perfect for:
• Abstract Companies
• Attorney Agents
• Affiliated Business Arrangements
• Title Insurance Underwriters
• Title Vendors and Suppliers
• Vendor Management Companies

The past few years have seen large, successful title operations such as Metropolitan Title, Service Link and Pacific Northwest selling their businesses to national underwriters. With the advent of slowing housing and mortgage markets, more owners of mid-size and small agencies are now thinking this may be exactly the right time to exit the industry.

But would that be the right move for you? If you answered "probably" or "yes," then this is one Title Radio show you won't want to miss.

Our panel of experts will help you understand:

• Who is buying agencies and how much they're paying for them

• How to build up the value of your business to get more money and it more attractive to prospective buyers

• Why selling to an underwriter is no longer the only option you have; how to identify the new generation of title agency buyers

Purchase a CD or transcript of Title Radio: What is Your Agency Worth? and get the latest information from industry experts about your title agency's value and who might buy it.

Discussion Topics:
• Current market value of title agencies
• Valuing what your agency is worth
• Factors that will determine why your business is worth more or less than other agencies
• Who are buying title agencies
• Preparing your agency for sale
• Negotiation tips for getting the most money for your title business

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Transitioning to E-mortgages
Broadcast Date: October 26 , 2006

Did you know that electronic mortgages can improve loan servicing productivity by 24%, reduce lost loan sales by 20% and reduce post-closing costs by 95%?*

Perfect for:
• Mortgage Originators
• Secondary Market Executives
• Settlement Services Firms
• Title Companies and Agents
• Real Estate Operations
• Technology Vendors

Now, more than ever, the mortgage origination and settlement services industries are facing the decision of transitioning to an e-mortgage and e-closing process. With a select few lenders and title companies pilot-testing and processing e-mortgages, your competitors are weighing their options and comparing vendors to determine how they'll take the next step.

Where are you in the electronic mortgage evolution? 

Get an interactive look at the future of electronic mortgages and their impact on the mortgage origination and settlement services industries.

Purchase a CD or Transcript of e-Radio: Transtioning to E-mortgages and get the answers :

• Who is driving the e-mortgage process?
•  What hybrid approaches are succeeding in the current  market place?
•  To what levels are we seeing investor support?
•  How do you get past the e-mortgage "hype" factor?
•  Do lenders have time/resources to deal with this now?

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The New AVM Nation
Broadcast Date: September 26, 2006

Did you know the average automated valuation model (AVM) is delivered in seconds and costs less than $50?
(Real Info)

Perfect for:
• Appraisers
• Lenders
• Mortgage bankers
• Mortgage brokers
• Technology firms
• Valuation professionals

As the mortgage industry becomes more comfortable with AVMs, a growing number of lenders seek to use the technology in new ways and on a greater number of loans. This drive has led to an increased interest in standards, and lenders have honed in on investors and GSEs to gauge their acceptance of AVM-backed loans.

Although some appraisers are concerned about their role, both valuation companies and lenders stand to gain a competitive edge by offering AVMs.   

Get an interactive look at the future of AVMs and their impact on both lenders and appraisers.

Purchase a CD or Transcript of e-Radio: The New AVM Nation and get the answers :

• Are GSEs beginning to accept AVMs?
• Why are standards so controversial?
• How are AVM-backed loans performing?
• Are consumer-facing AVMs such as Zillow dangerous?
•  What are emerging uses of AVMs?
•  Appraisers and AVMs: Friend or foe?

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Can you afford to lose 23 million customers? Generation X & Y (the Millennials) are emerging as the primary market of homebuyers with a combined number of 23 million strong in the US according to US Census Stats.

Perfect for:
• Mortgage brokers/owners
• Lenders
                                                    • Realtors

Originally aired on Thursday, September 21, 2006, Marketing to Generation X & "Y" was hugely successful and delivered relevant discussion about how to effectively reach the under 30 year-old homebuyer. A roundtable of industry experts representing generational strategy experts, marketing firms and a large lender who frequently market to Gen X and Y, discussed how you can earn the trust of the under 30 homebuyer and reach them in unique ways.

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How can you ensure you and your mortgage business are legally compliant?

Perfect for:

• Mortgage brokers/owners
• Lenders
• Loan officers
• Bankers

In an industry where the traditional ways of doing business are constantly evolving, legal and regulatory compliance is more important than ever before. More and more loan origination companies are facing fines and even imprisonment for getting caught in legal sand traps they might not have known even existed, or fully understood. Even the referral of a name with the promise to do business or cold calling residential consumers may raise legal concerns.

With a lot of legal uncertainty or "gray areas," one wrong move can lead even the most experienced mortgage originator in the courtroom.

From the comfort of your own office or conference room, you will obtain legal guidance from leading industry experts who deal with federal legal and compliance topics on a regular basis, including: experienced RESPA experts, regulatory attorneys and representatives from the National Association of Mortgage Brokers (NAMB) and the Federal Trade Commission (FTC).

Obtain the legal guidance and gain the knowledge you need to remain compliant.

Purchase a CD or Transcript of Mortgage Radio: Legal Sand Traps and hear industry experts discuss:

• RESPA: Kickback laws, referral fees and disclosure rules
• 1099 vs. W2: Taking a legal look at the payment debate
• Department of Labor Laws: Federal wage and hour laws as well as overtime exemptions
• Do not call/fax/e-mail compliance laws: Current regulatory guidelines
• The FTCs Safeguards Rule: What recent enforcement actions mean for you

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The Increasing Reality of E-signatures
Broadcast Date: July 27, 2006

How can you ensure you are prepared for e-signatures?

Perfect for:

• County recorders
• Lenders
• Mortgage brokers
• Realtors®
• Title agents
• Title underwriters

As the world embraces paperless mortgage transactions, real estate, settlement services and mortgage origination companies face the decision of utilizing e-signatures versus the traditional "pen and paper" signature.

From the comfort of your own office or conference room, you will gain valuable e-signature knowledge from leading experts who deal with e-signatures on a regular basis, including: experienced technology providers, representatives from the attorney side, legal consultants, real estate agents and title companies.

Your Competitors Are Using E-signatures. Are You?

Purcase a CD or Transcript of e-Radio: The Increasing Reality of E-signatures and get the answers:

• Is e-signing making it easier to do business, lower costs, boost efficiency and improve cycle time?
• What impact are e-signatures having on the market today?
• Is there a competitive advantage of using e-signatures?
• Are e-signatures "legally safe?"
• What is the expense of e-signature technology, including software and hardware investments?
• Are today's authentication methods adequate?
• What role should county recorders play in your
  decision making?

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Mortgage Radio: Detecting and Combating Mortgage Fraud
Broadcast Date: May 25, 2006

Learn how you can prevent fraud from entering your organization and how to fight it if it does.

Perfect for:

• Fraud Investigators
• General Counsels
• Loan Production Staff
• Loan Underwriters
• Quality Assurance Professionals
• Senior Management

Property flipping, silent seconds, nominee loans or straw buyers, fictitious or stolen identities, overvaluation of property, foreclosure scams, equity skimming, "air" loans.

You've heard about them. It seems the nation is under siege with mortgage related fraud cases. In fact, they are up 75% over 2004, according to the Federal Bureau of Investigation (FBI).

FBI statistics also show that the majority of fraud is committed by brokers or in-house loan agents. No organization is immune. Penalties for fraud include hefty fines and even jail time.

How Can You Ensure Fraud Is Not Occurring In Your Organization?

Purcase a CD or Transcript of Mortgage Radio's Detecting and Combating Mortgage Fraud and gain the knowledge to prevent, pin-point and bannish illegal activity.

Industry Experts Discuss:

• What you can do internally to identify and evaluate areas of risk
• What your employees need to know to detect fraud from the start
• Using technology to detect fraud
• Checks and balances for spotting identity theft
• How to safely expand your correspondent channel and purchase quality loans
• Spotting fraud in the closing process
• What to do if you detect fraud
• How to respond to any governmental agency investigating your company for fraud

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Mortgage Radio: The Impact of Predatory Appraisals on the Lending Industry
Broadcast Date: December 15, 2005

Fifty-five percent of appraisers say that they have been uncomfortably pressured to overstate property value, and ninety-nine percent of appraisers believe that appraisers in their market sometimes go along with these requests according to the 2003 Appraisal Intelligence: National Appraisal Survey study conducted by October Research Corporation.

Statistics from the 2003 Appraisal Intelligence: National Appraisal Survey, demonstrate the reality of Predatory Appraisals in today's marketplace. When Predatory Appraisals are used as the property value basis for a loan decision, the outcome could be the same for brokers, lenders, investors and borrowers - everyone loses.

Citing a decade of improper and unlawful appraisal and valuation practices, the NCRC's Center for Responsible Appraisals and Valuations (CRAV) is seeking to resolve perceived abuses through voluntary participation by lenders and appraisers in best practices and dispute resolution. The proposal is entitled the Appraisal and Valuation Code of Conduct.

Industry Experts Discuss:

• What the NCRC/CRAV is proposing to lending and regulatory decision makers
• The potential impact the proposed Appraisal and Valuation Code of Conduct could have on the mortgage lending industry
• How the proposed guidelines could affect your business
  
• If there is a need for voluntary mediation and arbitration in the appraisal industry, or if the industry’s current “self policing” is sufficient
  
• If the proposed set of appraisal guidelines help or hinder the Independent Fee Appraiser profession.
  
• How recent consumer activist/consumer protection actions affect lenders and brokers relationships with participants in the appraisal/valuation process.
  
• How this proposed set of appraisal guidelines could affect the business practices of Appraisal Management Companies (AMCs).
  

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Title Radio: Trump Your Competition
Understanding the competitive forces driving the title market.
Broadcast Date: November 10, 2005

With industry consolidation on the rise, title agents viewing underwriters as their competitors and many agencies generating less than $1 million in business each year, there's a need to reach out to customers better and more frequently. To thrive in 2006 as an underwriter or an agent, it is crucial that you seize the opportunity to really get to know and understand your competition as well as your customers.

Purchase a CD or Transcript of Title Radio: Trump Your Competition and Gain the Competitive Edge You Need!  

Title agents will learn:

• An overview of which customers are consolidating - originators, realtors, builders - and why.
• Account planning and mapping strategies.
• Analysis of indicators, statistics and figures along with the market and rate outlooks for 2006.
• Must-have technology needs to remain competitive.
• Agency valuation.

Underwriters will learn:

• A list of top-performing underwriters from the title agent perspective.
• How and why title agents select the underwriters they use.
• What incentives would motivate title agents to try a new underwriter.
• Why over one-third of title agents view underwriters as their competitor and what would change their opinion.
• An overview of which customers are consolidating - originators, realtors, builders - and why.
• Account planning and mapping strategies.
• Analysis of indicators, statistics and figures along with the market and rate outlooks for 2006.
• Must-have technologies.

Title Radio Panelists and Moderators:
Patrick Stone
Vice Chairman, Metrocities Mortgage, Inc.

Ted Jones
Senior VP-Chief Economist, Stewart Title Guaranty Company

Joseph L. Petrelli, ACAS, MAAA, FCA
President, Demotech, Inc.

George L. Houghton, Jr.
Nat. Independent Title Agency Director, Stewart Title Guaranty Company

Moderators
Joe Casa
Founder and Publisher, The Title Report

Bob Skalstad
Exec VP and Principal, Corporate Management Advisors, Inc.

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RESPA Radio: Evaluate. Adapt. Succeed.
Broadcast Date: September 29, 2005

Every day you read the news, another organization is a suspect for yet another RESPA violation. If the industry giants are having difficulties staying compliant, how can you be if you don’t know what is currently going on with RESPA enforcement and impending reform and how it impacts your business? RESPA radio brings the industry’s top RESPA experts to your CD player and provides a full analysis of the issues on the table including:

• Which proposed Good Faith Estimate is best for the industry and the consumer?
• What should and should not be disclosed to consumers?
• When will changes in RESPA occur?
• What is the practical impact of packaging on the marketplace?
  

Expert RESPA Radio Panel and Special Guests:
Richard J. Andreano, Jr.
partner with Weiner Brodsky Sidman Kider PC, Washington D.C.
David Berenbaum
Executive VP, National Community Reinvestment Coalition
Don Blanchard
Deputy General Counsel, Countrywide Home Loans
Armand W. Cosenza, Jr., past President of NAMB
Joe Falk
Legislative chair and past President, National Association of Mortgage Brokers
James R. Kletke
Chief Underwriting Counsel and Sr. Vice President, Stewart Title Guaranty Company
Phillip L. Schulman
partner with Kirkpatrick & Lockhart LLP
Scott Stern
CEO, National Alliance of Independent Mortgage Bankers
Brian Sullivan
Department of Housing and Urban Development

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Broadcast Date: March 24, 2005

The U.S. immigrant population offers an underserved opportunity that is growing by more than one million new members annually. Mortgage Radio's recently discounted CDs and transcripts will help you grow market share, while setting the standard for settlement services firms and how they adapt their business practices and even operational models to service the loans originators have to offer.

Mortgage Radio panelists delivered the need-to-know takeaways to help your business serve your lender and originator clients as they tap into underserved immigrant markets.

Featuring
James Ballentine
Director, Community Development, American Bankers Association
Jose Menendez
Emerging Markets National Director,Stewart Title Company
Ray Castellanos
Regional Vice President, GMAC Mortgage
Fran Clemens
Senior Vice President and Manager of Emerging Markets, ABN AMRO Mortgage Group Inc.
Wilbur McKesson
VP Affordable Housing, Option One Mortgage Company
Bob Armbruster
President, National Association of Mortgage Brokers

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Broadcast Date: August 19, 2004

Leading executives and consultants explain the latest sales strategies and techniques needed for success as mortgage and real estate markets return to normal. In a changing market driven by packaging and consolidation, reassess your target customers and map out your sales plan. Learn tactics for recruiting and retaining top sales representatives and business development managers; hear about compensation profiles; map strategic customer opportunities and hear discussion about strategic account selling platforms.

Featuring
Dan Miller
President and CEO, RightNow Business Development Systems
Bob Skalstad
Partner and EVP, Corporate Management Advisors
Kenneth Bloss
SVP, General American Corporation (a Fiserv company)
Donald J. Denny
President, Enterprise Title Agency, Inc.

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Broadcast Date: August 11, 2005

Two-hour audio seminar delivering a step-by-step "how to" on building legal and successful joint ventures and affiliated arrangements. Expert panelists will lead you through a multi-point checklist as you build your joint venture from the ground up, including practical tips for choosing the best partner, pro formas, legal compliance, realistic expectations for ROI and more. Hear about successful models functioning in the market today, as well as what expectations are for the future.

Featuring
Jeff Arouh,Partner, Holland & Knight, LLP
Jim Kletke, Sr. VP and Chief Underwriting Council, Stewart Title Guaranty Company
Frank Camperlengo, President, Security First Title Affiliates
Charles Cain, VP, Affiliated Business Manager, LandAmerica Financial Group

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Broadcast Date: June 17, 2004

The industry’s leading legal and operations experts review the latest trends in work-share, controlled business arrangements and reinsurance agreements. Learn more about reinsurance and work-share arrangements, joint ventures for bundled services, set-up, compliance and regulatory tips. Review practical case studies and examples. Hear discussion about the effectiveness of using reinsurance and work-share agreements in lieu of constructing new affiliated operating units.

Featuring
Phillip Schulman, Kirkpatrick and Lockhart, LLC
William Cotter, Title Allliance
Charles Cain, LandAmerica Financial Group
Patrick McElhaney, GreenLink LLC
Jim Gladden, ATM Corporation
Richard Angelo, First American Title Insurance
James Pokusa, Express Financial Services

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Broadcast Date: January 14, 2005

This interactive “how-to” roundtable provides a practical look at transaction management systems (TMS) with a ground-level focus on the title/realty link. The industry’s leading experts discuss the impact of the TMS upon workflow and production in terms of time and cost savings for Realtors and title agencies.

Realtors are going to the next level using transaction management technology. Find out why the real estate industry is adopting it. Learn the basics of the technology and find out how to plug in. If you want to do business with Realtors in the near future, you’ll need to know your way around the transaction management system. Start with the basics...

Featuring
Jeff Schurman
President, Adams Morgan Group LLC
Maggie Simon
Realtor, Tierra Verde Realty
Gregg Larson
President & CEO, Clareity Consulting and Clareity Security
Kevin Hussey
President, SureClose
Kelly Hawkins
COO, Stewart Realty Solutions
Dennis Bodaglaccio
President, RE/MAX Valley Properties

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Broadcast Date: September 23, 2004

The industry’s leading experts on all aspects of the e mortgage discuss the “when” and the “how” of a paperless transaction—and let you know what you need to do NOW to prepare for the inevitable widespread adoption. Learn about the demand for e-mortgages and the incentive for lenders, originators, settlement services professionals and county officials to go paperless. Hear about what needs to happen before the e mortgage is a widespread, everyday occurrence, and how close the industry really is. Get the latest on cost challenges, technology implementation and training, quality of data and standardization, integration and legal compliance hurdles such as e Sign and UETA.

Featuring
David Barkley
Director, eCommerce Relations, Freddie Mac
Harry Gardner
Senior Director of Industry Technology, MBAA
John Barnes
Partner, Frontier Technology Services
Tim Anderson
Executive Vice President, Dexma
Darren Ross
Director of Electronic Commerce, Stewart Information Services
David Whitaker
Associate General Counsel, Wells Fargo Home Mortgage

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Broadcast Date: February 11, 2004

Get the basics, then get connected.

Consumers want the product faster. Lenders need the product faster. Settlement services providers must deliver a product faster. EPN and title technology get it done faster and provide a competitive edge.

Learn about the systems available and where the industry is going in the future. Costs, vendor scorecards and the latest in EPN and title technology discussed by an all-star panel you won’t find anywhere else.

These nationally-recognized experts outline the key steps for getting started and maximizing title and EPN technology:

Featuring
John Barnes, BCE Emergis
Brian Davenport, Stewart Mortgage Information
Norm Gottschalk, GATORSystems
Garth Graham, ABN AMRO
Gil McNeill, SoftPro
Ralph Behmoiras, OTX
Mark McElroy, RamQuest Software
Mick Goldstein, RealEC

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A can’t-miss education about the state of AVM tech and how lenders and appraisers will be using it in the near future! Learn how lenders can use AVMs to keep secondary investors happy and reduce their collateral risk exposure. Also discussed: risk mitigation techniques, AVM usage in a down housing market, appraiser-assisted AVMs, reliability and quality of data and more.

This informative forum delivers all perspectives on the future of AVM technology, including the concerns and needs of the lender, appraiser and AVM developer:

Featuring
Lee Kennedy, Washington Mutual
Marianne Angarola, Future Value, LLC
Vicky Cassens Zillioux, Strategic Development Worldwide
James Kirchmeyer, Real Info Inc.
Dennis Conway, Stewart Mortgage Information
Robert Jenican, Appraisal Solutions and Products
Rob Walker, First American Real Estate Solutions
Randy Ilas, DataQuick
Tony Stewart, Basis 100
Ray Ferrarin, Fidelity National Financial

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Broadcast Date: October 16, 2003

RESPA Reform isn’t dead. While HUD regroups and builds consensus on the next round of rulemaking, get ahead of the curve. Hear an industry-wide panel of experts discuss the history of reform, its likely path, and the impact on bundled services in the real estate services industry. Get legal and operations perspectives on preemption, legislative and legal challenges, as well as changes to the marketplace.

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