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Tap your workforce for referrals / originations without running afoul of compliance?
In this Wednesday's SCA mortgage newsletter, we help you avoid compliance problems when shifting towards a more sales-oriented culture by...
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Have your TPO contracts changed to account for Ability-to-Repay liability?
Thoughts on changes to contracts that may protect you when working with brokers / investors / correspondents. What changes has your...
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Are new CFPB interpretations of LO Comp. rule surprising?
The CFPB has recently taken a surprising stance on how to apply the federal loan originator compensation rule regarding the "proxy"...
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Should you be underwriting to residual income?
Are you struggling to implement a residual income policy to mitigate ability-to- repay risks? Maybe you shouldn't. Have you decided not...
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Hands off LTV! (for QM purposes)
Do you use loan-to-value as one factor considering ability to repay? Do you use LTV as a "compensating factor" for non-qualified...