TheMReport — News and strategies for the evolving mortgage marketplace.
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CONTRIBUTING EDITOR Abby Gregory ONLINE EDITOR CONTRIBUTING EDITOR Abby Gregory ONLINE EDITOR PUBLISHER Jon Ball PUBLISHER Jon Ball THEMREPORT.COM Alison Rich THEMREPORT.COM MANAGING EDITOR Abby Gregory ONLINE EDITOR THEMREPORT.COM COPY EDITORS PUBLISHER Mark Hulme Ryan Schuette COPY EDITORS Alison Rich Emily White Youree Heather Hill Ryan Schuette Emily White Youree Ryan Sc uette Heather Hill YOUR business is OUR business! OUR business is OUR business! We are the largest independent STAFF appraisal fi rm in the nation NOT affi liated with a bank or an AMC. st American Mortgage Services is laser focused on igating YOUR cost, risk and exposure by aligning advanced solutions with YOUR strategic objectives d compliance needs. are the New First American, over 120 years young, ong and financially secure. 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. Our Experience Sets Us Apart. We are the New First American, over 120 years young, strong and financially secure. For 25 years, Metro-West has provided high-quality valuation services for the residential real estate community. Since day one, we have remained steadfast in our commitment to quality and strive to uphold our strong reputation, which is supported by an A+ rating with the Better Business Bureau. By implementing our two-tier review process, the Metro-West team of 130+ state-certifi ed appraisers is committed to providing the highest quality-controlled reports in the industry. Our new Appraiser Referral Progam: Refer an appraiser and receive Learn more at www.metrowestappr.com $500! 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. No part of this publication may be reproduced without written permission from the publisher. 2 | THE M REPORT 2 | THE M REPORT sight | Innovation | Integrity ©2011 REO Publishing LLC All Rights Reserved 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 CREATIVE DIRECTOR Jason Stone ART DIRECTOR Jonathan Won ASSOCIATE ART DIRECTORS Bruce Sons Chanyanont Loha-Unchit ASSOCIATE ART DIRECTORS Bruce Sons Chuck Daprix DESIGN DIRECTOR Sean Walker DESIGN DIRECTOR Sean Walker DESIGN DIRECTOR Sean Walker CARTOONIST Ryan Schuette SOCIAL MEDIA Leon McKenzie Ani Vera ADVERTISING Dina Duncan (214.525.6740) Jason Myers (214.525.6760) Andi Zimmerman (214.525.6724) CIRCULATION/CORRESPONDENCE Celina Avila ADVERTISING Dina Duncan (214.525.6740) Jason Myers (214.525.6760) Andi Zimmerman (214.525.6724) TECHNOLOGY Toby Tull Brandon Shangraw TECHNOLOGY Toby Tull Brandon Shangraw TECHNOLOGY Brandon Shangraw SOCIAL MEDIA Leon McKenzie Ani Vera SOCIAL MEDIA Andi Miller Michael Price THEFIVESTARINSTITUTE FORDEFAULTSERVICINGPROFESSIONALS CIRCULATION/CORRESPONDENCE Celina Avila CHAIRMAN & CIRCULATION Chasity Clary CORPORATE OFFICERS CHIEF CREATIVE OFFICER CHIEF EXECUTIVE OFFICER DIRECTOR OF HUMAN RESOURCES DIRECTOR OF OPERATIONS BUSINESS DEVELOPMENT Andi Zimmerman CHIEF FINANCIAL OFFICER John Harrison Ernest Gillespie CHIEF CREATIVE OFFICER CHIEF CREATIVE OFFICER CHIEF EXECUTIVE OFFICER CHAIRMAN & Mark Hume ACCOUNT EXECUTIVES CORPORATE OFFICERS CHAIRMAN & CORPORATE OFFICERS Toby Tull SENIOR ACCOUNT EXECUTIVE Donna Lott (214.525.6792) SPONSORSHIPS Jason Myers (214.525.6760) CHIEF FINANCIAL OFFICER John Harrison BUSINESS DEVELOPMENT Andi Zimmerman CHIEF FINANCIAL OFFICER John Harrison CHIEF OPERATING OFFICER Rick Creel DIRECTOR OF ACCOUNTING Ernest Gillespie DIRECTOR OF HUMAN RESOURCES Ernest Gillespie DIRECTOR OF OPERATIONS Toby Tull ACCOUNT EXECUTIVES MARKETING Travis Bogdon Matt Hulme MARKETING Travis Bogdon Matt Hulme SENIOR ACCOUNT EXECUTIVE Donna Lott (214.525.6792) SPONSORSHIPS Jason Myers (214.525.6760) ART DIRECTION Jason Stone Sean Walker Jonathan Won No part of this publication may be reproduced without written permission from the publisher. information contained herein be relied upon as legal advice as it is designed to be MR a source of information only. MReport strongly encourages the use of qualified disseminated with the understanding that the publisher is not engaged in rendering a legal advice or other professional services. Under no circumstance should the This publication is intended to provide accurate, authoritative, and detailed le information in regard to the subject matter covered. All written materials are PRODUCTION Kyle Curtis Miguel Martinez Christian McCrossan 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. mages, losses, or other detriment that may resul Follow us. from the use of hese mat rials. ART DIRECTION Jason Stone Sean Walker Jonathan Won CONCIERGE Celina Avila This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are dissemnated with the understanding that the publisher is not engaged in rendering gal adv ce or othe professional services. Under no circumstance should the nformation contain d herein be relied upon as legal advice as it is designed to be source of information nly. MRepo t strongly encourages the us of qualified attorneys or o her qualified experts with regard to the subject matter covered. eport does ot guarantee the accuracy of the information and is not liable or any da attorneys or other qualified experts with regard to the subject matter covered. MARKETING Travis Bogdon Matt Hulme ©2012 REO Publishing LLC All Rights Reserved ©2011 REO Publishing LLC All Rights Reserved No part of this publication may be reproduced without written permission from the publisher. ACCOUNT EXECUTIVES Renee Charles (214.525.6742) Thomas Griffin (214.525.6754) Kristin Larson (214.525.6713) Ryan McLemore (214.525.6706) ART DIRECTION Jason Stone Sean Walker Jonathan Won SOCIAL MEDIA Andi Miller Shannon McGuire Michael Price Katy Schilthuis CONCIERGE Celina Avila PRODUCTION Kyle Curtis Miguel Martinez Christian McCrossan PRODUCTION Daniel Meeks Christian McCrossan Mark Hulme Edward R. Delgado ACCOUNT EXECUTIVES Renee Charles (214.525.6742) Thomas Griffin (214.525.6754) Kristin Larson (214.525.6713) Ryan McLemore (214.525.6706) THEFIVESTARINSTITUTE FORDEFAULTSERVICINGPROFESSIONALS Mark Hulme Edward R. Delgado ADVERTISING Curt Acton (214.906.3921) Thomas Griffin (214.525.6754) Donna Lott (214.525.6792) Ryan McLemore (214.525.6723) Jason Myers (214.525.6760) ASSOCIATE ART DIRECTORS Bruce Sons Chanyanont Loha-Unchit CONTRIBUTORS Phil Britt Bob Calandra Eric Fox Jack Konyk Mark Lieberman CONTRIBUTORS Phil Britt Bob Calandra Eric Fox Jack Konyk Mark Lieberman CONTRIBUTORS Phil Britt: Bob Calandra: Brandy King-Cutler. Mark Lieberman Adam Weinstein CREATIVE DIRECTOR Jason Stone ART DIRECTOR Jonathan Won CREATIVE DIRECTOR Jason Stone ART DIRECTOR Jonathan Won COPY EDITORS Alison Rich Emily White Youree