Tagged: 大学四年洞越来越大

31
May
2021

Merging Technology, Personal Touch in the Mortgage Process

first_imgHome / Daily Dose / Merging Technology, Personal Touch in the Mortgage Process Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Nate JohnsonNate Johnson is the SVP—Mortgage Business Leader for SLK. Johnson oversees the mortgage practice for SLK, and manages client on-boarding, conceptualizes and designs new products, collaborates with operations, and works to grow the SLK porfoilo. Johnson recently sat down and spoke to DS News about the future of technology in the mortgage space, its advancements, and what it all means for the mortgage realm moving forward. What are some functions in the mortgage process that a person can do, that technology hasn’t caught up to yet? In a word… trust. A mortgage professional can guide a loan through different phases of the origination process from application to document collection to fulfillment during processing. From the first time a borrower interacts with the lender, you can begin to lay a foundation for trust and preferably long-term relationship. Ellie Mae recently published a borrower insight survey that stated that almost half of borrowers would prefer to work directly with a person during the loan application. They also found that many of those people had abandoned online applications because they felt it was taking too long. Borrowers said they didn’t feel it was personal and they weren’t able to get a hundred percent of their questions answered.  Many borrowers have doubts about the entire mortgage process, especially first-time home buyers. Many of the reservations and questions can easily be clarified over a call or an in-person meeting with a seasoned loan professional. Many of chat boxes and frequently asked question windows can give the borrower the information they are looking for, but it’s the personal touch and guidance from a live person that can make the borrower feel more comfortable.  Demand Propels Home Prices Upward 2 days ago Previous: Responding to the New Reality: Problems With the NFIP Next: World Economic Conditions and U.S. Housing Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Merging Technology, Personal Touch in the Mortgage Process Technology 2019-08-07 Mike Albanese Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Are you seeing a generational gap for borrowers that want to use technology?From our interaction with our clients, mortgage market analytics and talking with my peers throughout the business, we are seeing less of a gap that you would expect. There is research that shows that the Millennials, Gen-xers, and Baby Boomers all prefer in-person communication across all phases of the loan process. Ellie Mae’s research project also stated that almost eighty percent of Millennial and Gen-xers wanted to speak frequently with their lenders during their mortgage process. In comparison, Baby Boomers preference would be to meet with lenders less frequently.  When it comes to automation, customer facing technology needs to be simplified. If you are a mortgage company or mortgage services provider like we are, use technology to automate some ancillary and rules based functions. Borrowers do want to have options for communication. Technology is great in augmenting the customers experience, but you don’t want to lose the human touch.  Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post August 7, 2019 1,070 Views in Daily Dose, Featured, News, Technology Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Will the mortgage process ever lose that personal touch and be replaced by technology?        I don’t think so, but you can’t look at it in a vacuum.  Some borrowers are going to want high contact and some will not.  I think the majority of closed loans will require a personal touch.  Let’s talk about a family purchasing a home. The borrowers have already found a house, bid on the house and agreed to a price generally through a real estate agent, right? So they’ve been able to utilize technology and AI either online or on mobile applications to help them find that house. Now once that process has finished and they’re under contract, the mortgage process ramps up and the loan is underwritten.  There are more moving parts to the process and the fulfillment and closing of that loan, where I think they want a little bit more guidance from a mortgage professional. I prefer to have a real estate agent who has known that particular market for a long time, has a good reputation and will be honest and upfront with you on the properties that you are considering. Technology has moved us to a point where a potential homebuyer is able to look online for several different properties and get an idea what a neighborhood looks like.  But there is still value in having professional guidance in both the real estate and mortgage part of the process.   About Author: Mike Albanese The Best Markets For Residential Property Investors 2 days ago How can loan offices better utilize technology to their advantage?Continuing to increase and simplify communication channels with your client is going to be number one.  Many times that is the biggest complaint that borrowers have with mortgage professionals; they don’t know exactly where they are in the process. Utilizing technology to communicate, either by using a dashboard or a platform where your clients can go and see exactly where they are in the mortgage process, or by automated updates that go out in emails, texts or push notifications.  This will cut down on a lot of the miscommunication and there will be better chance of the loan officer and their client being on the same page. So communication is number one. Number two is being able to reduce the amount of touches that the underwriter has to touch the loan. You can automate a lot of the ancillary orders, verifications and rules based functions in order to have a complete file faster.  If an underwriter can review a loan one or two times as opposed to five or six, you can cut down on a lot of the static that can be in a mortgage file, keeping your underwriters happy. We do this through automation and process excellence. It has really helped our clients improve their efficiency and workflow to get loans closed faster. Tagged with: Technology Are there any upcoming trends or new advancements you’re seeing in technology with mortgage processing?Absolutely. For the decade you’ve been seeing companies trying to enhance customer satisfaction.  Analytics and process engineering companies have been trying to improve productivity for banks and mortgage lenders.  Technology has given borrowers more optics into where they are in the loan process. Much of the existing technology like optical character recognition (OCR) and intelligent character recognition (ICR) is being improved upon in order to process and manage large volumes of documents.  These tools reduce the time and cost to originate a loan. We are seeing more and more online/mobile tools for borrower like automated mortgage and income calculators. Real-time notifications that simplify communication increases efficiency, keeps the borrowers updated and absolutely reduces the cycle time.We are using automated loan origination checklists for many of our customers.  We’re using algorithms to help our clients reduce the time for an app to close. There is an influx of AI and machine learning that a lot of people are talking about, but not a lot of people have implemented yet. So I think that there’s going to be gains in the future of efficiency and improved productivity.last_img read more

20
Dec
2020

Offshore Patrol Vessel “Amazonas” Transfers to Operative Sector of Brazilian Navy

first_img On November 14, at the Southern pier of the Navy Arsenal in Rio de Janeiro, the Offshore Patrol Vessel (OPV) “Amazonas” was transferred from the Material Sector to the Navy Operative Sector, during a ceremony led by the Commander of Naval Operations, Admiral Gilberto Max Roffé Hirschfeld. The OPV “Amazonas” completed its route bound for Brazil on October 5; it arrived in Rio de Janeiro after a two-month journey along the coasts of Europe, Africa, and America, after its incorporation to the Navy on June 29, in Portsmouth, United Kingdom. The ship was built by BAE Systems Maritime – Naval Ships, and named after the class to which it belongs, the “Amazonas.” This class will be acquiring two more ships by 2013: OPV “Apa” and OPV “Araguari,” both are names of important rivers in Brazil. The OPV “Amazonas” started its construction in February 15, 2008, and the keel laying happened on June 15 of that same year. It sailed on February 10, 2009, and was completed in September 2010. The acquisition of the three Oceanic Patrol Vessels brings important value to the Navy, allowing it to intensify the Naval Patrol and Inspection activities, focus on the waterway traffic security, environmental pollution prevention, and also to increase the Search and Rescue (SAR) capability along the course of an extensive maritime area under the responsibility of Brazil. During the journey to Rio de Janeiro, the ship docked at ports of Lisbon (Portugal), Las Palmas (Spain), Mindelo (Cape Verde), Cotonou (Benim), Lagos (Negeria), Sao Tome (Sao Tome and Principe), Natal (Rio Grande do Norte – Brazil), Salvador (Bahia – Brazil), and Arraial do Cabo (Rio de Janeiro – Brasil). On the African Continent, it performed demonstrations on antipiracy exercises and maintenance trainings between ships with the Cape Verde Coast Guard, the Naval Force in Benin, the Nigerian Navy, and the Coast Guard in Sao Tome and Principe, as well as protocol and public visitations. By Dialogo November 16, 2012last_img read more

06
Oct
2020

Underwood Queensland’s number one suburb for growth

first_imgThe home at 36 Cascade Drive, Underwood, sold for $930,500 earlier this month.Data has revealed Underwood is Queensland’s top suburb for median value growth.CoreLogic data named the southern suburb as number one, with growth of 22.2 per cent over the past 12 months.Ray White Rochedale selling principal Zishaan Omar credited location, new properties, schools and faith for the boom in the area.He said there were some new estates in Underwood which were larger than some of its counterparts in surrounding suburbs.Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 3:17Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -3:17 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels576p576p480p480p256p256p228p228pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenMichelle Hele’s May market wrap03:17“The blocks are quite favourable, with good frontage and they are nice and flat,” Mr Omar said.“Some are up to 500sq m, which are bigger than other nearby estates have to offer.”Mr Omar said the many different churches, mosques and temples in the area made it popular for people of all backgrounds.“Underwood is becoming culturally diverse so the places of worship surrounding it also have a big part to play,” he said.Underwood has easy access to the Pacific Motorway, and Westfield Garden City is less than 15 minutes drive.The home at 113 Birdwood Tce, Auchenflower, sold earlier this year for $1,435,000.Behind Underwood, three of Brisbane’s top five suburbs for median value growth are in Brisbane’s west.Auchenflower sits at number two on the list, with its median value rising by 21.1 per cent, with Ashgrove just behind it at 18.5 per cent.More from newsNew apartments released at idyllic retirement community Samford Grove Presented by Parks and wildlife the new lust-haves post coronavirus18 hours agoIndooroopilly experienced growth of 15 per cent.The home at 7 Park Ave, Ashgrove, sold this month for $1,330,000.McGrath Real Estate Agents sales agent Reuben Packer-Hill believes the suburbs have been overlooked for some time and now some of the surrounding suburbs have been becoming more expensive, buyers have been looking for nearby alternatives.“Some of those suburbs in the western corridor have been undervalued and underperformed so it was about time people realised how great some of those suburbs are,” Mr Packer-Hill said.”People have traditionally looked in closer suburbs (and) we’ve seen prices in suburbs like Paddington rise over the past five to ten years, so as people look for better value for money they’ve stepped the next suburb over.”This home at 23 Essex Rd, Indooroopilly, sold for $1,300,000.Mr Packer-Hill said families trying to get children into specific school catchments also had an impact on the growth.“This growing trend for people to get into certain catchments for schools has assisted the growth demand in some areas,” he said.“I personally see that six or seven families out of ten with primary aged children are buying specifically to get into the catchment area.“The demand to get into St Peters (Lutheran College) is also facilitating sensational price drive.”Yeronga came in at fourth with 17.8 per cent.Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:34Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:34 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenMarket update: May – Monthly core index00:34last_img read more