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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 ONLINE EDITOR THEMREPORT.COM COPY EDITORS THEMREPORT.COM COPY EDITORS Alison Rich Emily White Youree Heather Hill PUBLISHER Mark Hulme EDITOR Abby Gregory Ryan Sc uette Ryan Schuette Ryan Schuette Emily White Youree 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 Jen Childers 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 ADVERTISING Thomas Griffin (214.525.6754) Donna Lott (214.525.6792) Ryan McLemore (214.525.6723) Jason Myers (214.525.6760) TECHNOLOGY Toby Tull Brandon Shangraw TECHNOLOGY Brandon Shangraw SOCIAL MEDIA Leon McKenzie Ani Vera SOCIAL MEDIA Andi Miller CIRCULATION Kevin Shields CORPORATE OFFICERS THEFIVESTARINSTITUTE FORDEFAULTSERVICINGPROFESSIONALS CIRCULATION/CORRESPONDENCE Celina Avila CHAIRMAN & CHIEF CREATIVE OFFICER CHIEF EXECUTIVE OFFICER DIRECTOR OF HUMAN RESOURCES Ernest Gillespie DIRECTOR OF OPERATIONS Toby Tull ACCOUNT EXECUTIVES CORPORATE OFFICERS CHIEF CREATIVE OFFICER CHIEF CREATIVE OFFICER CHIEF EXECUTIVE OFFICER CHAIRMAN & Mark Hulme CHIEF FINANCIAL OFFICER John Harrison BUSINESS DEVELOPMENT Andi Zimmerman CHIEF FINANCIAL OFFICER John Harrison CORPORATE OFFICERS CHAIRMAN & THEFIVESTARINSTITUTE FORDEFAULTSERVICINGPROFESSIONALS Mark Hulme Edward R. Delgado SENIOR ACCOUNT EXECUTIVE Donna Lott (214.525.6792) SPONSORSHIPS Jason Myers (214.525.6760) 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 MARKE ING Trav s Bogdon Matt Hulme Daniel Meeks SENIOR ACCOUNT EXECUTIVE Donna Lott (214.525.6792) SPONSORSHIPS Jason Myers (214.525.6760) A PRODUCTIONIO RT DIRE Christian McCrossan Kyle Curtis Miguel Martinez Jona han Won Jason Stone Sean Walker Christian McCrossan No part of this publication may be reproduced without written permission from the publisher. ART DIRECTION Jason Stone Sean Walker Jonathan Won This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are MARKETING Travis Bogdon Matt Hulme ©2012 REO Publishing LLC 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 ©2011 REO Publishing LLC All Rights Reserved information in regard to the subject matter covered. All written materials are dis a source of information only. MReport strongly encourages the use of qualified legal advice r other professional services. Under no circums ance should the M iReport does not guarantee the accuracy of the information and is not liable for any This publication is intended to provide accurate, authoritative, and detailed information contained herein be relied upon as legal advice as it is designed to be seminated with the understanding that the publisher is not engaged in rendering attorneys or other qualified experts with regard to the subject matter covered. nformation con ained herein be relied upon as legal adv ce as it is designed t be damages, losses, or other detriment that may result from the use of these materials. PRODUCTION Kyle Curtis Miguel Martinez Christian McCrossan a source of information only. MReport strongly encourages the use of qualified CONCIERGE Celina Avila 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. ART DIRECTION Jason Stone Sean Walker Jonathan Won Follow us. 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) SOCIAL MEDIA Andi Miller CONCIERGE Celina Avila PRODUCTION 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) DESIGN DIRECTOR Sean Walker 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: Chuck Green Mark Lieberman CREATIVE DIRECTOR Jason Stone ART DIRECTOR Jonathan Won CREATIVE DIRECTOR Jason Stone ART DIRECTOR Jonathan Won COPY EDITORS Alison Rich Emily White Youree