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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 names and See the financially secure. 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 Sandra Lane Jonathan Won Brian Sons BruceA. Lee Ferris Way Chanyanont Loha-Unchit 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 Corporate Officers chief financial officer John harrison Chairman & Mark Hulme director of huMan resources ernest Gillespie Chief creative officer director of oPerations Toby Tull president & Ed Delgado account Chief executive Officer executives senior account executive Chief Financial Officer sPonsorshiPs Director of accounting account executives sandra lane brian a. lee ferris way Sandra Lane has extensive experience covering the mortgage and real estate industries. She has extensive knowledge of local market trends, the effects of macroeconomic shifts on market conditions, and "big-picture" analyses of industrydriving indicators. She is a former real estate broker and grew up in what she calls "a real estate family." Brian A. Lee is an Atlanta-based writer who has covered a variety of real estate topics since 2000. The Wake Forest and University of Georgia graduate was editor of Western Real Estate Business magazine for eight years. Although a big fan of real estate and mortgage content, the father of two girls considers his top moment in journalism a one-on-one interview with baseball legend Hank Aaron in 2009. Ferris Way is the VP and PMO group manager of the strategic consulting services division of Lender Processing Services (LPS) with a background in both financial services and manufacturing. He holds the designation of Six Sigma Black Belt with a focus on process optimization. Prior to joining LPS, Way was an executive leader within the retail 1st mortgage division of Bank of America Home Loans. 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. © 2011 First American Financial Corporation and/or its affiliates. All rights reserved. 2 | 2 | The M RepoRT The M Report Marketing Production Marketing Art Direction Production concierge art direction Donna Lott (214.525.6792) John Harrison Jason Myers (214.525.6760) Ernest Gillespie Renee Charles (214.525.6742) 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 Jason Stone Kyle Curtis Sean Walker Miguel Martinez Jonathon Won Christian McCrossan Celina Avila Jason Stone No part of this publication may be Walker Sean reproduced without written permission from the publisher. Jonathan Won ©2013 REO Publishing LLC All Rights Reserved No part of this publication may be reproduced without This publication is intended to provide accurate, authoritative, and detailed information inwritten permission from the publisher. materials are regard to the subject matter covered. All written disseminated with the understanding that the publisher is not engaged in rendering ©2011 Reo publishing LLC legal advice or other professional services. Under no circumstance should the All Rights Reserved information contained herein be relied upon as legal advice as it is designed to be a source of information only. MReport strongly encourages the use of qualified This publication is intended to provide accurate, authoritative, and detailed attorneys or other qualified experts with regard to the subject matter covered. information in regard to the subject matter covered. All written materials are MReport doeswith guarantee the accuracy thethe information and is not in rendering disseminated not the understanding that of publisher is not engaged liable for any damages, losses, or other detriment that may Underfrom the use of these materials. legal advice or other professional services. result no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. MReport strongly encourages 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.