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April 2023 » 3 April 2023 C O N T E N T S Departments 4 MTECH 8 GOOD READS 10 MOVERS & SHAKERS 18 INDUSTRY UPDATE Features 28 42 32 44 52 40 50 OPPORTUNITY IS HIDING IN PLAIN SIGHT While streamlining operations and automating are the top prior- ities for lenders, there are opportunities to be found within their service networks. THE INDUSTRY'S FUTURE IS BEING WRITTEN TODAY The industry is on the verge of a seismic shift in digital innovation that promises something for everybody—lenders, servicers, data providers, component services, and consumers alike. DOES POSTPONING A FORECLOSURE SALE REVIVE AN UNTIMELY LOAN MODIFICATION APPLICATION? Delving into the state of California's Homeowner Bill of Rights and recent instances where protections against dual tracking came into play. SURVEYING TODAY'S LENDING LANDSCAPE As lenders continue to navigate one of the trickiest economies to date, the industry is making significant progress in pulling back the layers and reexamining its risk management practices. APPRAISAL MODERNIZATION AND WHERE VALUATIONS ARE HEADED Dean Kelker, SVP and Chief Risk Officer for SingleSource Proper- ty Solutions, discusses appraisal modernization and what's ahead for the valuation industry. Also in this Issue ... THE POINT Fannie Mae's Malloy Evans discusses how lessons learned from the 2008 housing crisis are being applied today toward the GSE's goal of keeping more Americans in their homes. EXPERT INSIGHTS Ron Vaimberg, President of Ron Vaimberg International, speaks about the keys to origination success in today's challenging eco- nomic environment. 22 Cover Feature CLOSING THE HOMEOWNERSHIP GAP Julia R. Gordon, Assistant Secretary for Hous- ing and Federal Housing Commissioner of HUD, speaks to MortgagePoint about recent changes such as FHA's mortgage insurance premium reductions, an ongoing commitment to improving IT infrastructure, and how the arc of her career brought her to her current role.

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