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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 Rosie Biundo Jonathan Won Sandra Lane Bruce Sons Tim Armbruster Chanyanont Loha-Unchit Sean Walker Jason Stone Dina Duncan (214.525.6740) Denis Myers (214.525.6760) Jason Kashoid Jonathon Won Andi Zimmerman (214.525.6724) Sean Walker Toby Tull Brandon Shangraw Robyn Clayton (214.525.6716) Thomas Griffin (214.525.6754) Leon McKenzie David Hoierman (214.708.2344) Ani Vera Jason Myers (214.525.6760) Celina Avila Majenica Springer (214.525.6773) Blake Stepan THEFIVESTARINSTITUTE Rebecca McDowell circulation FORDEFAULTSERVICINGPROFESSIONALS corPorate officers chairMan & chief creative officer chief executive officer Mark hulme edward R. Delgado Corporate Andi Zimmerman Officers business develoPMent Chairman & chief financial officer Chief creative officer director of huMan resources president & director of oPerations Chief executive Officer Mark Hulme John harrison ernest Gillespie Ed Delgado Toby Tull account executives Chief Financial Officer John Harrison senior account executive Donna Lott (214.525.6792) Director of HR/accounting Ernest Gillespie sPonsorshiPs Jason Myers (214.525.6760) account executives Marketing Production rosie biundo sandra lane tim armbruster Rosie Biundo is the senior director of product marketing for Equifax, a global leader in consumer, commercial, and workforce information solutions that provide businesses of all sizes and consumers with insight and information. Sandra Lane has Tim Armbruster is chief extensive experience technology officer and covering the mortgage SVP of ClosingCorp, and real estate industries. a leading provider of She has extensive residential real estate knowledge of local closing cost data market trends, the effects and technologies for of macroeconomic shifts mortgage lenders, real on market conditions, estate professionals, and and "big-picture" consumers. Armbruster analyses of industryis responsible for the driving indicators. She strategic direction and is a former real estate implementation of broker and grew up in ClosingCorp's products what she calls "a real and technology. estate family." 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. 2 | 2 | The M RepoRT The M Report Art Direction Marketing Production Renee Charles (214.525.6742) Matt Whiteley Thomas Griffin (214.525.6754) Kristin Larson (214.525.6713) Ryan Rose Luke McLemore (214.525.6706) Denis Bogdon Travis Kashoid Jason Stone Matt hulme Sean Walker Kyle Curtis Jonathon Won Miguel Martinez Christian McCrossan concierge Celina Avila No part of this publication may be reproduced without art direction Jason Stone written permission from the publisher. Sean Walker Won ©2013 REO Publishing LLC Jonathan All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information inof this to the subject matter covered. All written withoutare No part regard publication may be reproduced materials disseminated with the understanding that the publisher is not engaged in rendering written permission from the publisher. 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 ©2011 Reo publishing LLC a source of information only. All Rights Reserved MReport strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. MReport does not guarantee theto provideof the information and is notdetailed any This publication is intended accuracy accurate, authoritative, and liable for damages, losses, or otherto the subject matterresult from the use of these materials. information in regard detriment that may 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.