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contributors Publisher Jon Ball contributing editor Abby Gregory online editor theMrePort.coM Ryan Schuette coPy editors Publisher associate publisher contributors Editor Online Editor theMReport.com Copy Editors creative director YOUR business is OUR business! Talent, skills, and experience—all the ingredients for an excellent contributor. 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. See the names and faces behind the MReport headlines. Contributors art director associate art directors design director creative director advertising Art Director design Director technology Advertising social Media circulation/corresPondence social media Alison Rich emily Hulme Youree Mark White heather hill Carrie Bay phil Britt Ashley R. Harris Bob Calandra Tory Barringer eric Fox Jack Konyk Alison Rich Mark Lieberman Emily White Youree Jason Stone Phil Britt Jonathan Won Bob Calandra Bruce Sons Greg Holmes Chanyanont Loha-Unchit Henry Santos Sean Walker Jason Stone Dina Duncan (214.525.6740) Jonathon Won Jason Myers (214.525.6760) Sean Walker Andi Zimmerman (214.525.6724) Toby Bouaazzi (214.525.6716) Amy Tull Brandon Shangraw Robyn Clayton (214.525.6716) Thomas Griffin Leon McKenzie (214.525.6754) David Hoierman (214.708.2344) Ani Vera Jason Myers (214.525.6760) Celina Avila (214.525.6739) Lindsay Wolf Blake Stepan THEFIVESTARINSTITUTE Chris Warren Technology FORDEFAULTSERVICINGPROFESSIONALS circulation Rebecca McDowell corPorate officers chairMan & chief creative officer chief executive officer business develoPMent Mark hulme edward R. Delgado Andi Zimmerman chief financial officer Corporate John harrison Officers phil britt Phil Britt has covered all phases of the financial services industry since the mid-1980s. A former associate editor of Savings Institutions magazine, he went on his own when the U.S. League of Savings Institutions consolidated its offices in Washington, D.C. in 1993. director of huMan Chairman & resources Mark Hulme ernest Gillespie Chief creative officer director of oPerations Toby Tull president & Ed Delgado account executives Chief executive Officer senior account executive Donna Lott (214.525.6792) Chief Financial Officer John Harrison sPonsorshiPs Jason Myers (214.525.6760) Director of accounting Ernest Gillespie account executives Renee Charles (214.525.6742) Marketing bob calandra Bob Calandra hails from Wyndmoor, Pennsylvania, and is the author of How to Keep Your Job in a Tough Competitive Market (Adams Business, 2009). He is also an awardwinning journalist and freelance magazine writer. Production Marketing Art Direction Production concierge Chief Economist art direction Thomas Griffin (214.525.6754) Matt Hulme Kristin Larson (214.525.6713) Ryan McLemore (214.525.6706) Luke Rose Travis Bogdon Matt hulme Denis Kashoid Kyle Curtis Jason Stone Miguel Martinez Sean Walker Christian McCrossan Jonathon Won Celina Avila Mark Stone JasonLieberman Sean Walker greg holmes Author Greg Holmes is national director of sales and marketing at Credit Plus Inc., a Salisbury, Marylandbased provider of credit and mortgage information services since 1928. Insight | henry santos | Integrity Innovation Henry Santos is responsible for Accenture Credit First American Title Insurance Company and First American Mortgage Services make no express or implied Services' residential mortgage for errors or including warranty respecting the information presented and assume no responsibilitybusiness, omissions. FIRST AMERICAN and FIRST AMERICAN TITLE are trademarks owned by First American Financial Corporation. origination, fulfillment, servicing, and default. In this role, he defines the strategy, leads sales, advises clients, and manages client relationships. © 2011 First American Financial Corporation and/or its affiliates. All rights reserved. 2 | 2 | The M RepoRT The M Report Jonathan Won No part of this publication may be reproduced without written permission from the publisher. ©2013 REO may be LLC No part of this publication Publishing reproduced without All Rights Reserved written permission from the publisher. This publication is intended toReo publishing LLC ©2011 provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are All Rights Reserved disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the This publication is intended to provide accurate, authoritative, and detailed information contained herein be relied matter covered. All written materials are be information in regard to the subject upon as legal advice as it is designed to a source of information only. MReport strongly encourages the use of qualified disseminated with the understanding that the publisher is not engaged in rendering attorneys or or other professional services. Under no circumstance should the legal advice other qualified experts with regard to the subject matter covered. MReport does not guarantee the accuracy of thelegal advice as it is designed to be information contained herein be relied upon as information and is not liable for any damages, losses, or other only. MReport strongly encouragesuse of these materials. a source of information detriment that may result from the the use of qualified attorneys or other qualified experts with regard to the subject 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.