As origination volumes hit record highs in 2020, Truework’s verification experts saw a spike in fraud, and expect that trend to continue this year. HousingWire recently spoke with Jeffrey Morelli, General Manager of Truework Verifier, about what lenders can do to prepare for and overcome the growing threat of fraud and data inaccuracy.

HousingWire: As we head into 2021, what are some challenges you foresee for lenders regarding employment verification?


Jeffrey Morelli: Throughout 2021, we foresee an ever-growing presence of fraud and disinformation in the employment verification process. Looking back to 2020, Truework’s verification experts saw an enormous spike in fraud—a notable case being the rise of income misrepresentation on TPO loans in Southern California last fall. This can be attributed to increasing mortgage applications and refinances due to COVID-19 and low interest rates. Given that the majority of lenders were overwhelmed with the sheer number of applications—it became easier for fraud to proliferate. 

All lenders should expect this trend to continue well into 2021 given that the economy should not expect relief from COVID-19 until the latter half of the year—keeping interest rates low, and mortgage and refinance volume high. 

HW: How can lenders prepare for and overcome those challenges?

JM: Lenders can prepare for fraud and data inaccuracy by automating their verification process, which helps keeps data more secure than a manual process and monitoring extensively for key signs of fraud such as misrepresented information from small businesses, generic emails such as an  or an, altered or completely altered forms of documentation (ie W-2 forms), large financial windfalls. 

Outsourcing the verification process to a solution like Truework can also be incredibly helpful when dealing with fraud. Our verification providers focus solely on your verifications, data, and monitoring—and have deep knowledge of the landscape with higher rates of fraud detection—freeing lenders like yourself from the process. 

Furthermore, with Truework’s integrated partnerships with several top payroll providers, we give you the latest payroll data for each of the 35 million active employees on our instant network. If your verification happens to be outside of the 35 million employees on our network, our manual team will source data directly for you from HR departments, so that you can be sure that any verification on Truework has the most accurate and current data. In addition, our automated validation engine runs on every completed report to make sure the data is accurate and complete. Based on Fannie Mae guidelines—Truework goes above and beyond what is necessary to flag improper reports.

HW: How has Truework helped lenders through the high-volume environment of 2020?

JM: Truework’s unique combination of software and services has been pivotal in ensuring speed, security, and efficiency for lenders through the high-volume environment of 2020. Our platform uses a tech-based and data-forward approach along with an expansive and ever-growing network—so that lenders can instantly and accurately verify tens of millions of employees across the United States, and take advantage of Truework’s manual verifications—the fastest and most accurate in the industry. 

Along with Truework’s extensive team of mortgage professionals—lenders have, and continue to count on Truework as their one-stop-shop for all of their verifications. 

HW: What are some of the most common pain points you see when it comes to employment verification?

Some of the most common pain points we’ve seen when it comes to employment verification have been: 

  • Slowness: Verifications often take too long, and slow down the overall lending process—creating inefficiencies and often forcing lenders to leave valuable loans on the table. 
  • Inaccuracy: Lenders often are given out-of-date data, or inaccurate information. 
  • Fraud detection: Especially in high-volume times, lenders often cannot identify fraud either due to lack of insight, or lack of time. 

Truework can help lenders with all of these pain points and more. With our tech-enabled platform, expansive and growing network, and a team of mortgage professionals—lenders can count on Truework to provide friction-free verifications, enabling them to complete the verifications faster and more accurately than ever before. 

The post How lenders can prepare for growing fraud threats appeared first on HousingWire.

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TIAA Bank has tapped JPMorgan Chase‘s head of consumer banking, Thasunda Brown Duckett, to succeed longtime president and CEO, Roger Ferguson, Jr.

With the hire, TIAA is now the first Fortune 500 company to have two Black CEOs in a row.

At JPMorgan Chase, Duckett has led a banking network with more than $600 billion in deposits, 4,900 branches and over 40,000 employees.

Under Duckett’s leadership, JPMorgan Chase was the nation’s fifth largest mortgage lender in 2020, originating about $133.4 billion in mortgages, according to data from Inside Mortgage Finance.

“Thasunda is widely recognized as an exceptionally dynamic and inspirational leader,” Ronald Thompson, TIAA board of trustees’ chairman said in a statement. “She brings invaluable experience leading and growing large, complex businesses, setting and executing strategy, improving client experience and attracting and developing talent.”

How lenders will benefit from Proctor Financial’s acquisition of Loan Protector

HW+ Managing Editor Brena Nath joins Proctor Loan Protector executives Damon Laprade and Mike Dimas to discuss the acquisition and the new brand, Proctor Loan Protector.

Presented by: Proctor Loan Protector

Ferguson, a former vice chairman of the Federal Reserve, will retire after 13 years at TIAA in May. He will stay on in an advisory role for Duckett, the company said.

“I am very grateful and heartened that we have found a leader who is as inspired by our mission as I have been ever since I had the great fortune to join this amazing company almost 13 years ago,” Ferguson said.

Duckett began her career at Fannie Mae, leading affordable housing initiatives for people of color. She holds a B.A. in finance and marketing from the University of Houston and an MBA from the Hankamer School of Business at Baylor University.

One of Duckett’s key initiatives at Chase’s consumer division was undertaking the bank’s first major branch expansion in 10 years, with the ultimate goal of adding 400 new branches in 20 new markets over five years.

She also held the title of executive sponsor of JPMorgan Chase’s Advancing Black Pathways program, an initiative aimed at helping Black Americans close historical achievement gaps in wealth creation, educational outcomes and career success. 

Over the last year, Duckett has run point on Chase’s focus on communities disproportionately affected by COVID-19. That led to her becoming Chase’s executive sponsor of the bank’s Fellowship Initiative, which offers young men of color academic and social support.

JPMorgan co-president Gordon Smith said on Thursday that Duckett’s successor as head of consumer-banking would be named shortly.

TIAA, which manages pensions on behalf of colleges, healthcare networks and nonprofits, had $1.3 trillion in assets under management as of Dec. 31, though it is far less active in the mortgage space than JPMorgan Chase.

“Thasunda’s dedication to putting people first – clients and colleagues – ensures that TIAA will continue to create lifetime income for millions of people working in higher education, healthcare, government, the arts and other nonprofit sectors,” said James Chambers, TIAA board of trustees chairman-elect.

Duckett, who has talked extensively about the need to close the wealth gap between white and Black Americans, expressed enthusiasm for the new role.

“I often think about the day my father asked me to help him plan his retirement, and I had to tell him, ‘Dad, your pension is not enough,’” Duckett said. “Now, thanks to his work and sacrifices and the support of many others who have guided me throughout my life and career, I am blessed to join TIAA.”

TIAA has paid out over $500 billion of lifetime income and other benefits since its founding in 1918.

The post JPMorgan’s Thasunda Duckett named next CEO of TIAA appeared first on HousingWire.

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HousingWire recently spoke with Propertybase CEO Vance Loiselle about real estate tech and how the past year has accelerated the need for digital collaboration tools across the entire customer journey.

HousingWire: What role has the increase in technology played for both businesses and consumers in the real estate space?


Vance Loiselle: In the 20th century, the primary technology innovations in real estate were the telephone and the MLS. This century has seen a rapid shift to a digital-first economy from the internet to portals to email marketing to smartphones to social media. The end result has created a far more educated and informed consumer while also breaking down what we consider traditional B2B and B2C channels.

Quite frankly, you may consider the new trend as B2P – business to people. Consumers today expect access to instant information and don’t want to spend lots of time making calls to coordinate showings or filling out paperwork to get a mortgage. Technology has given consumers the power of choice and expedited the entire real estate purchasing process.

Successful agents, brokerages and loan officers of the future are going to rely significantly on technology to find, nurture and engage with buyers and sellers while also playing an expanding role as personal advisors in all things related to mortgage, insurance, moving, renovating and new home transitioning.

HW: How has the financial industry’s response to COVID accelerated the need for digital tools?

VL: The financial industry’s response has been swift and impactful, by lowering interest rates and providing fiscal stimulus – for the benefit of consumers and loan originators, of course. Home sales and refinancing have seen large year-over-year increases in an environment where people have not been congregating face-to-face. This has heightened the need for digital tools for marketing, viewing, financing and closing on home purchases.

But we also must acknowledge that the core definition of any stimulus is to implement something that causes an immediate, short-term response. This response has an end-life and those looking towards the future sense a renewed focus on more quality lead generation as the refinance boom draws to a close.

People already want to be able to browse the rich details of a home and neighborhood on their own and then be able to apply for that home online without filling out tons of paperwork or going through antiquated processes. The past year has exposed a need for richer collaboration tools and better data that bring consumers, agents and loan officers together in one system to minimize work and increase transparency for everyone involved.

HW: What data, research and trends do you see that support the vision of collaboration across the entire industry?

VL: A recent study by Forrester found that post-COVID remote work will be at 300% of prior levels. This will result in a major shift in how people use their homes and where they want to live.

The “Zoomification” of the COVID world has also exposed hundreds of millions of people to collaboration technology, which was previously only used by a specific segment of enterprise workers. Our focus at Propertybase is to make collaboration between consumers, agents and loan officers as easy as shopping from third-party sellers on Amazon.

HW: What steps in the real estate transaction could benefit from further digitalization?

VL: So many areas could benefit by embracing digitalization. The loan pre-qualification step is an area that almost all parties need for a successful outcome (consumers, real estate agents, loan officers, insurance agents). The transaction management processrequires precise compliance steps, documents and electronic signatures across many parties, all of which can be digitized – at Propertybase we’re actually already enabling this with our Propertybase Back Office software.

The post-close nurturing process is woefully lacking and can be digitized. How do I sign my kids up for school?  How do I find a doctor?  Who are the best contractors? All of which can be digitized and are often repeatedly shared by agents but are currently so fragmented.

HW: How will Propertybase’s acquisition of Unify help accelerate the use of digital tools across the entire customer journey?

VL: Our mission at Propertybase is to empower real estate and lending professionals to grow their businesses through collaborative technology.

Customers in the Propertybase family will get access to a myriad of new digital tools as part of the acquisition, including access to our nationwide pool of buyer and seller prospects, AI-powered lead scoring engine, credit-bureau pre-qualification, text concierge, and post-close credit inquiry monitoring.

The Propertybase family of brands will create a community for our clients to transcend ancillary services – and we’re really just getting started.

The post How 2020 exposed a greater need for collaboration between real estate agents and LOs appeared first on HousingWire.

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Extreme increases in lumber prices have caused some people to go bearish on new home sales. Not this one! If we play a version of rock, paper, and scissors with lumber prices and mortgage rates, mortgage rates will win. Mortgage rates have a much more significant influence on the new home sales market than lumber prices, even at their current highs.

Proof of this is the recent new home sales report released by the Census Bureau. New home sales beat expectations by a lot, and all the revisions to the last report were positive.

Last month, I wrote that we should have expected new home sales to moderate after their parabolic rise.

Sales are still working to find a sustainable trend after the massive distortion in all housing data lines due to COVID-19. This recent report, especially regarding the positive revisions to the last report, tells a solid story for new home sales in 2021 as long as rates stay low.

From Census:  “Sales of new single-family houses in January 2021 were at a seasonally adjusted annual rate of 923,000, according to estimates released jointly today by the U.S. Census Bureau and the Department of Housing and Urban Development. This is 4.3% (±18.1%)* above the revised December rate of 885,000 and is 19.3% (±19.5%)* above the January 2020 estimate of 774,000.

When reviewing new home sales data, it is wise to keep an eye on the monthly supply. When the monthly supply is 4.3 and below, builders will have the confidence to continue building. This is especially true when the 3-month average is 4.3 months or below. Currently, inventory is at four months with a three-month average of 4.06 months of supply, so it’s looking pretty good. The revisions on this report showed a lower monthly supply than in the previous month.

The low monthly supply is why builders’ confidence is high, despite the massive spike in lumber prices. As a high school basketball coach in my previous life, I know that sometimes all that matters is that you shoot better than your opponents. Don’t overthink it. Better sales plus lower inventor equals increased builder confidence.

Today, the MBA’s purchase application data was also positive by 7% year over year, even with the President’s Day holiday and the Texas snowstorm — two factors that typically hurt applications. Positive year-over-year growth is a good thing. 

So far this year, our year-over-year comparisons have been against a “pre-covid” housing market. March 18 is almost here, which means year-over-year comparisons of housing data are going to get funky. If you see scorching year-over-year growth – don’t be fooled that it will be a sustainable trend. 

Purchase applications in 2021 have exceeded my estimated peak rate of growth of 11%. I expected to see a trend growth rate between 1%-11% year over year, up until March 18.  We are currently trending at 12.375%. The substantial purchase application growth speaks well for housing sales 30 to 90 days out.

The take-home message is that sales are strong, which will contribute to hotter home prices. Right now, we want the rate of growth to cool down.

Next week for HousingWire, I will explain why we should expect to see some purchase application data show weaker year-over-year data in the second half of 2021. There is more to this story than higher mortgage rates.

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December saw a double-digit annual increase for home prices across the country, according to the Case-Shiller Home Price Index from S&P Dow Jones Indices and CoreLogic.

The nine U.S. Census regions showed a 10.4% annual gain in December, up from 9.5% in the previous month.

The 10-city composite annual increase came in at 9.8%, up from 8.9% in the previous month. The 20-city composite posted a 10.1% year-over-year gain, up from 9.2% in the previous month.

Prices rose in all 19 reporting cities, with Seattle, Washington, D.C. , Boston, Cleveland, Miami, and Phoenix each showing a 1.5% increase.

Digging deeper into the numbers, Phoenix saw a 14.4% year-over-year price increase, Seattle saw a 13.6% increase and San Diego saw a 13.0% increase. Eighteen of the 19 cities reported higher price increases in the year ending December 2020 versus the year ending November 2020.

Making housing more affordable by bridging the affordable supply gap

In the last few years, the number of existing single-family homes for sale has decreased. But home prices have increased. To make homeownership a possibility for everyone, there needs to be a higher supply of affordable homes.

Presented by: Fannie Mae

The Federal Housing Finance Agency also reported a 1.1% increase, noting home prices rose in all nine of the report’s regions in December 2020. The East-South-Central (+1.7%) and Mountain (+1.4%) regions showed the largest month-on-month increase.

Industry experts didn’t know what to expect when the COVID-19 pandemic hit the country last March, and initially, price growth decelerated in May and June. Then, mortgage rates plummeted to historic-lows, opening the homebuying floodgates and propelling prices skyward.

Rates have slowly climbed back towards 3% in the past few months, but inventory is still low, keeping prices high. Finally, lumber and other building materials are still scarce, forcing construction companies to delay projects and prevent an inventory build-up.

Of course, this is all fantastic news for anyone looking to sell their home in 2021.

December 2020’s 10.4% gain “marks the best performance of housing prices in a calendar year since 2013,” said Craig Lazzara, managing director and global head of index investment strategy at S&P Dow Jones. “From the perspective of more than 30 years of S&P CoreLogic Case-Shiller data, December’s year-over-year change ranks within the top decile of all reports.”

Zillow Economist Matthew Speakman added that homes in some major markets are going under contract more than a month faster than they were at this time last year.

“This forces would-be buyers to move very quickly to put an offer in on a home they desire, increases the likelihood that multiple offers will be fielded by the seller, and ultimately places more upward pressure on prices,” Speakman said.

Last year also saw a massive exodus of people moving from urban apartments into larger, suburban homes as work-from-home and contactless interaction became the norm in the midst of the pandemic.

“This may indicate a secular shift in housing demand, or may simply represent an acceleration of moves that would have taken place over the next several years anyway,” Lazzara said. “Future data will be required to address that question.”

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Consumer credit activity rose in the fourth quarter of 2020, as low interest rates and high housing demand continued to fuel mortgage demand, according to TransUnion’s latest industry insights report.

Serious delinquency rates in mortgages declined year-over-year to 0.7% in the fourth quarter of 2020. Delinquency rates were at 1% in the fourth quarter of 2019.

“On the surface, the consumer credit market is performing quite well,” said Matt Komos, vice president of research and consulting at TransUnion. “Additional stimulus and flattening unemployment rates point to a continuation of this trend. However, the performance of those accounts still in accommodation will help shape the true consumer credit picture.”

The final delinquency tally for December 2020 showed that, by year’s end, 1.54 million more delinquent and 1.7 million more seriously delinquent mortgages were reported than at the start of 2020, according to a separate January report from Black Knight.

With nearly 2 million extra overdue loans in the pipe, that’s approximately 3.4 million loans in total at December’s end. Overall, the data analytics company estimates a more than 250% increase in 90-day default activity year-over-year.

Komos added that many accounts are expected to come out of accommodation between March and May – including mortgage accounts.

“We will soon see the true impact of those programs for both consumers and the credit marketplace,” he said.

A total of 50.5 million mortgage loans were issued in the fourth quarter of 2020. That’s up from 50.1 million in the fourth quarter of 2019.

As an aside, the third quarter of 2020 saw mortgage originations skyrocket, reaching nearly 4 million total loans – the highest level of originations since the Great Recession. That’s also 67% higher than the third quarter of 2019. The delinquency rate in the third quarter of 2020 was down 57 basis points from the second quarter of 2020 and up 368 basis points year-over-year.

The average balance of new mortgage loans in the fourth quarter of 2020 was $296,505 – nearly $10,000 higher than the average balance in the fourth quarter of 2019. In all, new mortgage origination loan amounts surpassed $1 trillion in 2020.

However, TransUnion Senior Vice President and Mortgage Business Leader John Mellman said he expects a rise in delinquencies in 2021 due to expiring forbearance plans.

“Refis continue to be a major driver of the increase in activity,” he said. “While reported delinquencies are currently low, we expect to see a rise in delinquency levels at the end of the first quarter and into the second quarter.”

Here are some additional mortgage numbers from TransUnion’s fourth quarter 2020 report:

  • Originations were spread evenly between refinancing and new purchases, with a 52% refinance share and a 48% purchase share
  • New mortgage volumes grew the most, at 118% year-over-year for lower risk consumers
  • The overall 90+ consumer level delinquency rate dropped to .83% in the fourth quarter, down from 1.16% in the fourth quarter of 2019
  • The average debt per borrower was $220,244, up from $212,040 in the fourth quarter of 2019. As a comparison, the average debt per borrower in the fourth quarter of 2017 was $201,737.

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Title insurance upstart States Title announced this week $150 million in debt financing from HSCM Bermuda, which will go towards developing a more modern home closing experience.

CEO Max Simkoff said the financing will held them “wipe the system clean” and build a homebuying system from scratch – one that is simple, efficient and digital, he added.

“Home buying, which is already stressful and overwhelming, should set the standard for easing customers’ journeys rather than lagging behind other digital solutions,” Simkoff said in a statement. “[HSCM] sees immense value in how we are overhauling the system and, together, we now have greater capacity to tackle this enormous market, with significant tailwind behind what we’re doing.”

The financing follows a $123 million Series C filed last May, which went towards States Title’s continued goal of digitizing real estate closings.

The debt financing will go towards product development, investment in go-to-market growth, and the refinance of debt to Lennar Corp., which helped fund the 2019 acquisition of North American Title Co. (NATC) and North American Title Insurance Co. 

After acquiring NATC’s underwriting in 2019, State Title’s intelligence platform suddenly had volumes of publicly-available closing data. As a result, State Title was able to patent technology that removed entire chunks of the closing process.

Now, even more cash will be allotted towards the company’s technological advances in the field of homebuying, Simkoff said.

“The platform benefits lenders, real estate professionals, title agents, and homeowners, and has become even more crucial as the impacts of COVID-19 and record-low interest rates have created a huge tailwind behind home purchase and refinance,” he said.

States Title focuses on technology in its services, using data science to “create predictive title insurance based on an assigned risk score to indicate how safe a property is from liens or liabilities, helping to achieve faster title processing and more efficient underwriting.”

From 2018 to 2019, State Title grew transaction volume by 100x, according to the company.

The post States Title raises $150M for home closing tech appeared first on HousingWire.

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The stock market is a funny game. Not the kind of game that the rookie Game Stop investors are used to playing, but a real-life, action-packed, form of entertainment that toys with millions of Americans’ emotions and finances every day. You know what isn’t a game, and can also provide oh-so-sweet returns? Investing in real estate. 

The stock market is at an all-time high, finishing 2020 at record levels. But these gains are a temporary disguise, masking the true future of a volatile market.

In 2020, home prices soared by nearly 10% to levels not seen since 2014, all while inventory dropped significantly. The high demand created a competitive market, but also a successful investment environment for real estate enthusiasts.

Don’t Wait To Invest In Real Estate

Everyone should follow the idea of “Don’t wait to buy real estate, buy real estate and wait.” While, like the stock market, the waiting game for a real estate payoff can prove to be taxing, the reward is a very sweet victory. You may even get a few more hours of sleep along the way. 

Prior to 2020, properties typically appreciated at a little under 4% per year. However, even individuals that purchased homes in 2020 have seen an increase in home value after just one year of homeownership. According to CoreLogic, homeowners saw an 8% increase in home prices in 2020.

2021 is going to be another pivotal year for real estate, and it is estimated that the real estate market will see its highest level of activity ever, and home values are expected to continue to rise.

As numbers have surged during the pandemic, they are going to continue to grow for a different reason. The stock market. 

As the stock market adjusts to its new normal, the real estate market is growing stronger and stronger. And more importantly, it’s growing with stability. 

An investment in real estate is an investment in a tangible item. This tangible thing isn’t managed by an investment firm on Wall Street, or through an app – how stressful is that? Real estate is a physical investment that you can touch, feel and live in.

Not only is the investment tangible, but as home appreciation values continue to rise, real estate continues to prove a valuable investment as well. 

2021 Will See Continued Growth

These opportunities available in real estate are going to cause a tech disruption on the investment side. 2021 will see a plethora of offshoot companies and crowdfunding for real estate that hasn’t been seen before.

Real estate investments have generally been focused on the brokerage side, but it makes sense for individuals to pull their money together, buy a property, and have that value appreciate. 

Call your friends, go buy some properties. Then let the market do the rest of the work.

When investing in real estate, you don’t have to watch the value appreciate through a chart. You can drive-by your investment, disguised as a property, and check it out for yourself.

Another new dynamic to investing in real estate rather than the stock market is in the capitalization rate. Investors, in general, want to see a return on their investment at a 6 cap or higher, but because the security of real estate is so strong right now, I expect investors will buy at a lower cap rate. 

A real estate investment provides security. 2021 is the time to jump on that opportunity. 

This column does not necessarily reflect the opinion of HousingWire’s editorial department and its owners.

To contact the editor responsible for this story:
Sarah Wheeler at

The post Invest in real estate, not the stock market appeared first on HousingWire.

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Even Norman Rockwell couldn’t put a rosier cast to New Hartford, Connecticut, in mid-autumn. On the far western outskirts of the Hartford metropolitan area, the town’s converted brick mill buildings are now occupied by restaurants that sell and serve locally grown produce and locally made artisanal cheese. A river – the Farmington – really does run through the town, shallow and sparkling, punctuated by occasional fly-fisherman. Bridges arch over the river from stands of yellow-leafed birches to groves of flaming maples.

It’s exactly the kind of place that’s attracting pandemic-panicked New Yorkers who, drawing a circle of two hours’ train travel from Manhattan, figure they can set up parallel lives in the country and city. 

The COVID-19 crowds that are now seeking fresh air and socially distanced living are looking beyond what is considered more traditional second-home destinations to small towns that have struggled to catch the updraft of the broadband revolution. As city dwellers scatter, enough of them are landing in the semi-rural spots to potentially realign the very definition of economic development, land use and the consequent cascade of broad band investment, municipal services, taxation and local spending priorities. 

“The economy is moving faster than the population,” said Mark Lautman, an economic development consultant who has helped local organizations in New Mexico and elsewhere forge partnerships that serve residents and employers.

In the past, economic development was defined by incentives for buildings and infrastructure with the aim of winning and keeping employers with substantial numbers of workers. 

The COVID-19 pandemic has accelerated a longer-term trend of separating talent from location. Economic development leaders are just starting to realize the profound implications of a distributed workforce on their local economies, workforce development, housing and real estate markets, he said. 

The rest of this content is for HW+ members. Join today with an HW+ Membership! Already a member? log in

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Out of necessity, the pandemic spurred numerous changes in the mortgage process, including appraisals. But what part of that will stick after we’re back to a more normal environment? We’re exploring that topic at our Spring Summit on March 4 and asked Brian Zitin, co-founder and CEO of Reggora, to share his expertise on the panel titled, The Brave New World of Valuations.

Reggora is a venture-backed startup that provides software to speed up the appraisal process for mortgage lenders and real estate appraisers. Prior to Reggora, Zitin co-founded a real estate brokerage called Sonder Partners, which was based on a proprietary algorithm that helped to efficiently target and sell investment properties in the Greater Boston area.

His time with Sonder Partners exposed Zitin to the inefficiencies in the modern appraisal process, which led to the start of Reggora. Zitin has also spent time at both a boutique private equity company and a large commercial real estate investment firm.

At the Spring Summit, Zitin will be joined by Tony Reese, chief appraiser at RPM Appraisal Services, and William Fall, CEO of The William Fall Group, to talk about what the appraisal process will look like as we come out of the pandemic period.

Other topics on the agenda include:

  • What mortgage tech is solving now
  • Servicing challenges in a pandemic period
  • Operational strategies in the current market
  • eClosing/RON update
  • A new regulatory regime

The summit also features sessions on lessons from local markets, an economic update and more.

As with all HousingWire events, we’re bringing together some of the brightest and most successful people in mortgage, real estate, compliance, security, technology and regulation to offer their insights on what’s happening right now and what’s coming next.

Speakers joining Zitin include UWM CEO Mat IshbiaFigure  Technologies CEO and co-founder Mike Cagney , CoreLogic’s  Selma HeppBlend CEO Nima Ghamsari, Mortgage Champions CEO Dale Vermillion, Lead Analyst Logan Mohtashami, top Century 21 Realtor Xio Sandoval and many more.

The 2021 Spring Summit is designed for our HW+ premium members, who get access to all HousingWire virtual events, long-form digital content published weekly, an exclusive Slack community and more. Sign up for HW+ membership and register for the summit here, or get event-only access for your company or team here.

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