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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 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 Loretta Kirkwood 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 Tull Robyn Clayton (214.525.6716) BrandonGriffin (214.525.6754) Thomas Shangraw David Hoierman Leon McKenzie (214.708.2344) Jason Myers (214.525.6760) Ani Vera circulation/corresPondence social media Celina Avila Blake Stepan Technology Chris Warren circulation Rebecca McDowell THEFIVESTARINSTITUTE FORDEFAULTSERVICINGPROFESSIONALS corPorate officers chairMan & chief creative officer Mark hulme chief executive officer edward R. Delgado Corporate Officers business develoPMent Andi Zimmerman Chairman & Chief creative officer chief financial officer Mark Hulme John harrison director of huManpresident & resources Ed Delgado ernest Gillespie Chief executive Officer director of oPerations Toby Tull Chief Financial Officer John Harrison account executives Director of HR/accounting Ernest Gillespie senior account executive Donna Lott (214.525.6792) sPonsorshiPs Marketing account executives sandra lane brian a. lee 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." loretta kirkwood 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. Loretta Kirkwood is a regulatory compliance and risk management executive with more than 30 years of experience in the financial services industry. Her most significant area of focus is fair and responsible lending risk management, including compliance management system and program development, qualitative and quantitative risk assessments, data quality management, process mapping, and staff training. First American Title Insurance Company and First American Mortgage Services make no express or implied Insight | Innovation | Integrity 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. EDITOR'S Note: In the November issue of the MReport, we incorrectly referred to D+H Mortgagebot as B+H Mortgagebot. We apologize for the mistake. 2 | 2 | The M RepoRT The M Report Production Art Direction Marketing Production Jason Myers (214.525.6760) Matt Whiteley Renee Charles (214.525.6742) Thomas Griffin (214.525.6754) Kristin Larson (214.525.6713) Luke Rose Ryan McLemore (214.525.6706) Denis Kashoid Travis Bogdon Jason Stone Matt hulme Sean Walker Jonathon Won Kyle Curtis Miguel Martinez Christian McCrossan No part of this concierge may be reproduced without publication Celina Avila writtendirection from the publisher. permission art Jason Stone ©2013 REO Publishing LLC Sean Walker All Rights Reserved Jonathan Won This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering No part of this publication may be reproduced without legal advice or other professional services. Under no circumstance should the written permission from the publisher. 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 ©2011 Reo publishing LLC attorneys or other qualified experts with regard to the subject matter covered. All Rights of the information and is not liable for any MReport does not guarantee the accuracy Reserved damages, losses, or other detriment that may result from the use of these materials. This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under 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.