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Publisher Jon Ball contributing editor Abby Gregory online editor theMrePort.coM Publisher coPy editors Ryan Schuette associate publisher Editor contributors Online Editor theMReport.com Copy Editors Contributors creative director YOUR business is OUR business! First American Mortgage Services is laser focused on mitigating YOUR cost, risk and exposure by aligning our advanced solutions with YOUR strategic objectives and compliance needs. We are the New First American, over 120 years young, strong and financially secure. MCOFFICE.COM art director associate art directors creative director design director Art Director advertising associate art director design Director Advertising technology social Media circulation/corresPondence Blake Stepan THEFIVESTARINSTITUTE Chris Warren circulation corPorate officers McDowell Rebecca chairMan & chief creative officer chief executive officer chief financial officer Hosted by Mortgage Computer Insight | Innovation | Integrity First American Title Insurance Company and First American Mortgage Services make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. FIRST AMERICAN and FIRST AMERICAN TITLE are trademarks owned by First American Financial Corporation. Established 1974 © 2011 First American Financial Corporation and/or its affiliates. All rights reserved. 2 | 2 | The M RepoRT The M Report Mark hulme edward R. Delgado Andi Zimmerman John harrison director of huMan resources Corporate ernest Gillespie Officers director of oPerations Toby Tull Chairman & Mark Hulme Chief creative officer executives account senior account executive president & Chief executive Officer sPonsorshiPs Director of accounting Marketing Marketing Production Production Art Direction concierge Web-based Tiffany Bryan (214.525.6773) Toby Tull Robyn Clayton (214.525.6716) Brandon Shangraw Thomas Griffin Leon McKenzie (214.525.6754) David Hoierman (214.708.2344) Ani Vera Ryan McLemore (214.525.6723) Celina Myers (214.525.6760) Jason Avila Lindsay Wolf (214.525.6739) FORDEFAULTSERVICINGPROFESSIONALS Technology Brandon Shangraw Chief Financial Officer account executives A total end-to-end mortgage lending software system phil Britt Tory Barringer Bob Calandra eric Fox Alison Rich Jack Konyk Youree Emily White Mark Lieberman Phil Britt Jason Stone Dean Brown Jonathan Won Sandra Lane Bruce Sons Chanyanont Loha-Unchit Jason Stone Sean Walker Jonathon Won Dina Duncan (214.525.6740) Juliann Kissell Jason Myers (214.525.6760) Sean Walker Andi Zimmerman (214.525.6724) social media business develoPMent Mortgage Office Software Mark Hulme Alison Rich Carrie Bay emily White Youree heather hill Ashley R. Harris art direction Chief Economist Donna Lott (214.525.6792) Ed Delgado Jason Myers (214.525.6760) John Harrison Renee Charles (214.525.6742) Thomas Griffin (214.525.6754) Ernest Gillespie Kristin Larson (214.525.6713) Ryan McLemore Matt Hulme (214.525.6706) Travis Bogdon Luke Rose Matt hulme Kyle Curtis Juliann Kissell Miguel Martinez J ason Stone Christian McCrossan Sean Walker Celina Avila Jonathon Won Jason Stone Mark Lieberman Sean Walker Jonathan Won No part of this publication may be reproduced without written permission from the publisher. No part of this publication may be reproduced without written permission from the publisher. ©2013 REO Publishing LLC All Rights Reserved ©2011 Reo publishing LLC All provide accurate, This publication is intended to Rights Reserved authoritative, and detailed information in regard to the subject matter covered. All written materials are This publication is intended to provide accurate, authoritative, and in rendering disseminated with the understanding that the publisher is not engageddetailed information in other professional services. Under no All written materials the legal advice or regard to the subject matter covered. circumstance shouldare disseminatedcontained herein be relied upon as legal advice as it is designed to be information with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance of qualified a source of information only. MReport strongly encourages the use should the informationor other qualified experts with regard to the subject matter covered. attorneys contained herein be relied upon as legal advice as it is designed to be a source of information only. MReport stronglyinformation and is not liable for any MReport does not guarantee the accuracy of the encourages the use of qualified attorneys or other qualified experts with regard to the the use of these materials. damages, losses, or other detriment that may result fromsubject matter covered. MReport does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials. Follow us.