Loan Think

The answer to lower costs, higher efficiency, and better record keeping for compliance lies in eSignature, e-documents, and e-mortgages, the foundation for which has legally been in place for 15 years now.

A customer's social media presence provides a window to the soul, which a more traditional credit history cannot touch.

There has been a sharp decrease in the number of incoming appraisers, largely due to outdated and untenable certification requirements. Here's how to fix the situation.

Legislative proposals to reform the housing finance system have failed to garner enough support, but a surprisingly simply reform idea is in plain sight: deeper private mortgage insurance coverage.

With the Consumer Financial Protection Bureau's disclosure rule potentially slowing down the loan process, institutions need to focus on communication strategies to keep young borrowers at the closing table.

Though regulation-mandated technology upgrades give vendors little time to rest, the growing acceptance of data standardization should appeal to both lenders and regulators.

A recent CFPB action against a payday lender demonstrates why lenders across industries must disclose both the best and worst case repayment scenarios to consumers.

The reform law's Qualified Mortgage and risk-retention rules have restricted access to credit, sowing demand for niche products offered by nonbank lenders.

Corporate culture can be a powerful tool for a good leader — and a poison pill for a bad one.

Fannie and Freddie are irredeemable failures, which must be abolished as the first step in any type of housing finance reform — if current and former officials of the U.S. Department of the Treasury are to be believed.