Servicing Management

1997 FEATURES AND REPORTS

This index lists feature stories, reports and news items that appeared in Servicing Management in 1997.

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ACCOUNTING

Delay In Statement 125 Jan., p. 8
IRS Proposes Servicing Change April, p. 9
Detractors Don't Dissuade FASB. It Stands Firm On Derivatives And Hedging Statement Nov., p. 24

ANCILLARY INCOME

Looking For Ancillary Income? July, p. 4

APPRAISALS/BPOs

It's Not An Appraisal...But In Many Situations, An Opinion Of Property Value Is Adequate Author: Scott Wall March, p. 34
Quality Control Is Essential For Proper BPO Use Author: Tom O'Grady March, p. 35
Comparing Accuracy: Appraisers Vs. Realtors March, p. 36
Some States Restrict BPOs April, p. 57
What Is A Broker Price Opinion? It's An Opinion Of Value: Nothing More, Nothing Less Author: Scott Wall May, p. 45

ARMS

Change In Index Being Considered May, p. 7

ASSET MANAGEMENT

Co-Ops: Un-Real Real Estate. They're Handled Like REO When It Comes Time to Liquidate Them Author: Kelley Weskamp March, p. 40
Co-Op Fees Not Deductible June, p. 5

ASSIGNMENTS

What To Do When The Chain Breaks. In The Future, MERS Will Help; Now, There's An Internet Database Author: Alan Steven Wolf Feb., p. 59
Handle Files Very Carefully May, p. 6
Directory Of Providers July, p. 20
What's In It For Servicers? MERS Will Cure Time Lags In Assignment Recordations, Among Other Benefits Authors: Craig Melton and Yvette Viviani July, p. 28

BANKRUPTCY

Industry Seeks Chapter 11 Relief Feb., p. 4
The Headache Of Bankruptcy March, p. 15
Can You Spot The Early Indicators? April, p. 56
Cap On Assets Might Increase Aug., p. 9
Bankruptcies: Read The Details Aug., p. 18
Hang Tough With Subprime Borrowers Sept., p. 5
Court Is Not 'A Legal Playground' - Multiple Filings Amuse Borrowers, Frustrate Lenders/Servicers Author: Robert C. Harvey Oct., p. 40

BALLOON MORTGAGES

New Process For Balloon Resets April, p. 12
Easier Servicing Of Balloons/Resets May, p. 8
Balloon Processing Is Streamlined July, p. 8
Resets Affect The Industry. Borrower Payoffs, Refinances Create Challenges As Well As Opportunity Authors: Dan Barber and George Doan Nov., p. 22

COLLECTIONS

Special Loans, Special Servicing. In 'Indian Country,' Tribal Laws Often Take Precedence Over State Rules Author: Christopher B. Chaney April, p. 43
10-Point Checklist For Handling 'Indian Country' Loans In Default April, p. 44
Business-Like Approach To Collections June, p. 10
Get To Know Your Borrower. By Developing A Relationship, Collectors Can Spot Negative And Positive Behaviors Aug., p. 56
Emphasize Quality, Not Quantity, Of Calls Aug., p. 57
New Fannie Mae Tool Helps Target Collections Nov., p. 42

COMMERCIAL

In California, 96% Performing Jan., p. 5
Adversity Creates Opportunity. Trio of Managers Steers Commercial Success At Midland Loan Services Feb., p. 14
Numbers Drop In California April, p. 11
Audit Led To Servicing Career. Over 20 Years, Donald Tripp Has Watched The Demands Of Loan Investors Change Oct., p. 46
Survey Searches For That Magic Number Oct., p. 47
No Guts, No Glory... Oct., p. 48
Follow The Basics When Working Out A Loan Oct., p. 50
NNCREW Installs Cunningham Nov., p. 7

DEFAULT MANAGEMENT

Servicers Wage Battle. They Are Fighting Defaulted Loans, Using Technology As Their Weapon March, p. 14
First It Was MERS, Now DMS? An Industry-Wide Solution to Default Management Would Rely On A Shared Database May, p. 17
Creating Value For All Parties. Early Indications Are Scoring Tool Will Change The Way Mortgage Loans Are Serviced June, p. 24
EarlyIndicator's Three Versions June, p. 59
203k Loans Are Riskier Sept., p. 6
Title 1 Loans: High Defaults Sept., p. 7
A Hands-On Approach To Default Servicing Sept., p. 36
Global Equities: A Lesson In Defaults Sept., p. 47

DELINQUENCIES

Improvement In All Categories/Third Quarter 1996 Feb., p. 5
Delinquencies Halt Backward Slide, Tick Upward/Fourth Quarter 1996 April, p. 5
First Quarter Rates Were Up Aug., p. 12

DIRECTORIES

Technology Jan., p. 35
Insurance April, p. 26
Assignments & Releases July, p. 20
Subservicing Aug., p. 47
Document Custodians Dec., p. 29

DOCUMENT CUSTODY

Send Custodian Changes To Agent Aug., p. 19
Get Ready To Network Sept., p. 35
New Game Plan For Custodians Nov., p. 8
Zipping Through The Paperwork. Document Custodians Implement Technology To Build Efficiencies, Reduce Errors And Strengthen Customer Service Dec., p. 26
Directory Of Document Custodians Dec., p. 29

EDI

EDI: Its Time Has Come - Really! The Value Of Electronic Data Interchange Has Been Overlooked By The Mortgage Industry And Its Partners Author: Craig Korotko Oct., p. 20
X12 Transaction Sets Are In Use Oct., p. 23

ENERGY-EFFICIENT MORTGAGES

Energy-Efficient Mortgages Taking Off. Program Good For Consumers, Affordable Housing And The Environment March, p. 20

ENVIRONMENTAL

EPA Explains CERCLA Stance Sept., p. 10
REO? There May Be An Environmental Concern Nov., p. 47

ESCROWS

In Arizona, RESPA Rules June, p. 4
California Confusion June, p. 5
Wisconsin Exemption June, p. 5

FAIR CREDIT

Are You Up To Speed? Major Changes To Fair Credit Reporting Act Are Now In Effect Author: Melissa L. Richards Oct., p. 34

FAIR LENDING

Fair Lending And Servicing. The Focus Is Usually On Originations, Yet Servicers Could Be Inadvertently Violating Laws Author: Melissa L. Richards June, p. 8

FANNIE MAE

Foreclosure Process Is Tightened Jan., p. 10
This Is What You Get Paid/Trustee Fees Jan., p. 10
7 Trustees Get Stamp Of Approval Jan., p. 12
Faster Claims Via EDI Link Jan., p. 14
Mortgage Docs Are Revised Jan., p. 14
Identify All Of Your Subserviced Loans Feb., p. 12
Property Case File Rules Change Feb., p. 13
New Calculations For Amerin Policies Feb., p. 70
A Postponement On Foreclosures Feb., p. 71
Loss Mitigation Leads To Losses March, p. 6
Multifamily Guide Goes Electronic March, p. 12
A Reaffirmation On Repurchases March, p. 13
Takes Investor Reporting Online April, p. 14
Loss Mitigation Pilot With GE April, p. 14
Full-File Reports Need Numbers May, p. 11
Give Flood Victims A Break, Servicers June, p. 6
Balloon Processing Is Streamlined July, p. 8
Evictions Now In GSE's Hands Aug., p. 18
Bankruptcies: Read The Details Aug., p. 18
Fannie Mae Empowers Servicers Sept., p. 12
More Technology For Servicers Sept., p. 13
Help Available For All REO Sept., p. 14
Document Custody Is Easier Oct., p. 16
How To MERS Your Portfolio Oct., p. 17
When Can You Switch Insurers? Oct., p. 18
New Game Plan For Custodians Nov., p. 8
New Fannie Mae Tool Helps Target Collections Nov., p. 42
Risk Profiler Now Available Dec., p. 10

FHA

More Storm Moratoriums/Mass., Maine, N.H. Jan., p. 14
Caught Up With All The Changes? Feb., p. 8
You Can't Approve Reserve Releases Feb., p. 11
Flooding Leads To Moratorium/Nev., Idaho, Calif. March, p. 11
Moratoriums, Due To Winter Storms April, p. 14
Delayed Action On Foreclosures May, p. 10
Protection For Flooding Victims/Ind., Tenn., W.Va., Ky., Ohio May, p. 10
Give Flood Victims A Break, Servicers June, p. 7
Default, Claim Issues Clarified July, p. 9
Justice Files Available Online July, p. 10
Disaster Help Has Expanded July, p. 10
Get The Score From The FHA Aug., p. 15
Counting Down To EDI Claims Aug., p. 15
Quality Control Efforts Boosted Aug., p. 16
Disaster Relief Is Extended Aug., p. 16
RESPA Book Gets An Update Aug., p. 17
55,000 Properties: What's Your Plan? Aug., p. 17
Disaster Relief Goes To Condos Sept., p. 34
Access FHA Files Via Internet Oct., p. 12
State Disasters, Borrower Relief Oct., p. 13
MERS Registration OK, Not Required Oct., p. 15
New Guidelines For P&P Work Oct., p. 15
Minnesota Flood Relief Is Extended Nov., p. 12

FIELD SERVICES

Mergers Are The Trend. Companies Blend To Meet The Larger Needs Of Today's Servicing Giants March, p. 45
Field Service Firms Come In Many Sizes March, p. 47
New FHA Guidelines For P&P Work Oct., p. 15

FLOOD INSURANCE

How To Force-Place Policies Without Asking For A Lawsuit Author: Jordan D. Dorchuck Feb., p. 46
Stop, Look And Listen, Then Cross The Street With The Remapped Borrower Author: Robert C. Harvey Feb., p. 47
Section 524 Of The Reform Act Crucial To Servicers Author: Robert A. Fall Feb., p. 50
Servicers Are Authorized, Required To Comply Author: Spence W. Perry Feb., p. 55
Information At Your Fingertips. You Can Communicate With FEMA Using Various Electronic Tools March, p. 48
It's Not Too Late To Register. Annual Event Is An Opportunity To Learn As Well As Make A Difference May, p. 12
FEMA Revises Flood Booklet July, p. 6
Civil Law Ramifications. The Mandatory Purchase Provision Exposes The Lending Industry To Additional Liability Author: Richard Brooks Aug., p. 23
Using Third-Party Flood Zone Determinations Author: Richard Brooks Aug., p. 28
Confused About The Flood Rules? The FFIEC Answers Your Common Flood Insurance Questions Sept., p. 17/correction Oct., p. 3
A Stinky Situation In Grand Forks Sept., p. 20
Congress Considers Disaster Insurance Sept., p. 22
Flood Determinators Band Together Oct., p. 5
Plug Your Portfolio's Liability Leaks. Fulfilling Legal And Regulatory Obligations Requires Comprehensive Risk Assessment Author: Kevin Leonard Oct., p. 51
FEMA Plans For The Next Century Oct., p. 53
Are You Prepared For El Nino? Nov., p. 4
FEMA Remaps L.A. Areas Dec., p. 4

FORECLOSURE

Ticktock, Ticktock, Ticktock. Publishing The Summons Nibbles Away At Time Frames, Boosts Costs Author: Bruce J. Bergman Feb., p. 37
How To Scuttle One Type Of Mortgage Scam Author: Bruce J. Bergman Feb., p. 38
Some Confusion In Cook County Feb., p. 39
Co-Op Foreclosure Methodology. It's A Mysterious Process That Offers Servicers A Couple Of Options Author: Bruce J. Bergman March, p. 41
Feel The Need For Speed? The Referee Could Be A Help, Or Hindrance, To Meeting Timelines Author: Bruce J. Bergman April, p. 52
New California Foreclosure Laws April, p. 53
You Can Sue On The Note...In Certain States, But Consider Carefully What You Might Be Forfeiting Author: Bruce J. Bergman May, p. 49
Perform Legwork Before Foreclosing Aug., p. 4
Watch Out For Inspection Fees Aug., p. 6
The 30-Day Cure Letter. Whose Side Will The Court Take If The Notice Isn't Clear And Precise? Author: Bruce J. Bergman Sept., p. 42
Dissecting A Deed In Lieu. Servicers Don't Have To Accept One, But Sometimes It's To Their Advantage Author: Bruce J. Bergman Oct., p. 58
HUD Revises Foreclosure Brochure Nov., p. 48
One Foreclosure Too Many? If There Was A Previous Action And You Miss It, Your Complaint Could Be Defective Nov., p. 49

FRAUD

Industry Still Faces Problems Sept., p. 10

FREDDIE MAC

Investor Accounting Is Redesigned Feb., p. 6
Short Payoff Fees Are Tied To Tiers Feb., p. 71
Counsel, Trustee Program Changes Feb., p. 72
Handle Borrower Disputes Promptly Feb., p. 73
What Constitutes Financial Hardship? Feb., p. 73
Amerin Changes Insurance Claims Feb., p. 74
Servicer Guide Is Updated Feb., p. 75
New Process For Balloon Resets April, p. 12
Easier Servicing Of Balloons/Resets May, p. 8
MERS-Related Changes Made May, p. 9
Give Flood Victims A Break, Servicers June, p.7
Expense Limits Are Revised June, p. 72
Expense, Credit Rules Are Revised July, p. 13
Getting A Grip On Delinquencies July, p. 14
Seller/Servicer Guide Revised Aug., p. 55
The Value, Role Of Servicing Sept., p. 14
New Rules For 'Adverse Matters' Nov., p. 12
What Has Worked? What's To Come? Nov., p. 45
EarlyIndicator Is Now Easier To Use Dec., p. 9

FYI

CIGNA Buys Flood Service Jan., p. 51
80% of CRM Sold To Fidelity Jan., p. 51
Prudential Wins Quality Award Jan., p. 51
MMSI Selects ERIIS Services Jan., p. 53
Subservicing Expansion Plan/Source One Jan., p. 53
Countrywide Marks Milestone Jan., p. 54
UniSource Joins CT&T Family Jan., p. 54
First American Acquires Ward Feb., p. 31
Universal Unites With Spectrum Feb., p. 31
A Milestone For Wendover Feb., p. 32
Mercantile Picks FIS' LOANSERV Feb., p. 32
Plymouth Mortgage Signs With Fiserv Feb., p. 33
Boatmen's Rated 'Above Average' Feb., p. 33
Four Companies Sign With Shaw Feb., p. 33
First Madison Formed For REO Feb., p. 33
WNC Celebrates Its 35th Year March, p. 26
Crown NorthCorp Acquires Servicers March, p. 26
American Sterling Opens Its Web Site March, p. 27
Data-Link Users Hold Meeting March, p. 27
Default Servicing Seminars Planned/USFN March, p. 27
ALLTEL Completes Year-End Tasks March, p. 27
Gershman Selects Data-Link System March, p. 33
Wendover Rated 'Above Average' April, p. 63
Midland Lands 2 CMBS Deals April, p. 63
PMI, Norwest Test Internet April, p. 63
Midland Purchases Servicing Portfolio May, p. 43
Reilly Mortgage Makes Acquisition May, p. 43
AccuFlood Teams With Harland May, p. 43
First American Buys 2 Companies May, p. 43
Greenpoint Buys Mortgage Servicer May, p. 43
Cenlar Servicers Support 'Habitat' May, p. 43
EDS Makes Use Of Its Expertise May, p. 44
EDS Purchases Wendover June, p. 25
First American Acquires SMS June, p. 25
CMA Expands Its Offices June, p. 27
Solomon Brothers Selects Wilshire June, p. 27
Standard & Poor's Expands Groups June, p. 28
Fulton Financial Picks Data-Link June, p. 28
Lenders' Council Moves Its Office/National Lenders' Insurance Group June, p. 28
FAS: New Name, New Game Plan June, p. 28
Californians Pick AMICUS June, p. 30
Allison Payment Buys Out Kodiak July, p. 44
Pinnacle Expands Its Flood Service July, p. 44
First American Acquires Hillam July, p. 45
Geotrac Looks To Buy Itself July, p. 46
Transamerica Now 'Intellitech' July, p. 47
Quantra Uses Oracle Database July, p. 47
EDS Finalizes Wendover Buy Aug., p. 21
Trustee Company Changes Its Name Aug., p. 21
Alliance Reaches 100K Loan Mark Aug., p. 21
KeyCorp Contracts With Quantra Aug., p. 21
PMI Volunteers Build Houses Aug., p. 22
Northwest Mortgage Services Moves Aug., p. 22
Midland Services SunAmerica Loans Aug., p. 22
Seasons Mortgage Picked By CDSI Aug., p. 22
Capstead Enjoys Healthy Quarter Sept., p. 43
Bankers, Geotrac Form Flood Firm Sept., p. 44
Franklin Selects FIS Technology Sept., p. 44
American Sterling Bought By Zurich Oct., p. 71
Fiserv Is Buying FIS Oct., p. 71
Insureco Is Sold To Fortis Inc. Oct., p. 72
Midland Earns CMBS Contracts Oct., p. 72
TA Tax Renames Payment Division Oct., p. 73
GECAM Lands Loan Assignment Oct., p. 73
D.C. Law Firm Relocates Office Oct., p. 73
First Mortgage Reports Gains Oct., p. 73
Insurer Acquires Tax Service/National Insurance, American Realty Oct., p. 73
First American, Experian Merging Nov., p. 30
Title Insurer Buys 3 Illinois Firms/First American Nov., p. 31
CT&T Subsidiaries Get New Names Nov., p. 31
AMOS' Clients Make Choices Nov., p. 31
SAFECO Opens Nashville Facility Nov., p. 32
Calmco Inc. OK'd As Special Servicer Nov., p. 32
Allied Capital Inks Quantra Contract Nov., p. 32
RMIC Constructs Habitat House Nov., p. 32
McDonald Signs American BanTrust Nov., p. 32
CT&T Family Is 'CastleLink' Nov., p. 33
ALLTEL's MSP Services ELOCs Nov., p. 33
DataStar Completes EDI Nov., p. 33
FORTRACS Acquired By Checkfree Nov., p. 41
Don't Want To Handle The Headache? Outsource/Loan Servicing Inc. Nov., p. 44
ProClaim+ Features EDI Reporting Nov., p. 44
Cutting Delinquencies, Foreclosures/Mortgage Default Service Nov., p. 46
Default System Integrated With Data-Link Nov., p. 46
Transamerica Flood Celebrates Its 20th Dec., p. 7
First American Reports Earnings Dec., p. 38
Zurich Completes Its Acquisition Dec., p. 39
ALLTEL Announces Its New Initiatives Dec., p. 39
Aames Reports Servicing Growth Dec., p. 40

GINNIE MAE

EDI Program Now In Pilot Feb., p. 71
Assistance For 'Flooded' Loans/Pacific Northwest March, p. 11
Pool Transfer Fees Lowered March, p. 12
Lenders Helped On Dakota Loans April, p. 16
Getting Back Into Business April, p. 17
Escrow Rules Are Clarified April, p. 18
How To Pool 203k Loans April, p. 18
Issuers Offered Some Assistance/Ark., Ohio, Ky., Ind., Tenn., W.Va. May, p. 11
Send Custodian Changes To Agent Aug., p. 19
Send Payments To Chase Bank Oct., p. 15
Assistance For Alabama Issuers Oct., p. 15
Policy Stated On MERS Loans Nov., p. 10
Deadlines Moved For GinnieNET Nov., p. 10
New Guide From Ginnie Mae Nov., p. 40

HEDGING

Don't Lose Sleep Over It! Servicing Managers, Like Shepherds, Must Count And Manage Their 'Flock' Of Loans To Increase Revenues And Lower Expenses Author: Ted Thomas Feb., p. 34
Production Vs. Synthetic Hedge. It's All Risk Management, But The Accounting And Economic Perspectives Are Different June, p. 49
A Look At The Options June, p. 50
Tough To Understand, Tricky To Execute June, p. 52
FASB Studies Derivatives June, p. 56
Detractors Don't Dissuade FASB. It Stands Firm On Derivatives And Hedging Statement Nov., p. 24
It's Not All Or Nothing. You Can Pick And Choose Which Loans You Hedge, Ignore Others And Sell The Rest Dec., p. 33
Have You Overhedged Your Portfolio? Dec., p. 35

HUD

Review Board Takes Action July, p. 12
203k Loans Are Riskier Sept., p. 6
Title 1 Loans: High Defaults Sept., p. 7
MIPs Go ACH? It's Proposed Sept., p. 34
Agency Plans For Tomorrow Oct., p. 18
HUD Revises Foreclosure Brochure Nov., p. 48

INSURANCE

Defaults Still Outpace Cures Jan., p. 8
Cures, Defaults Just About Even Feb., p. 5
Defaulted Loans Grew In 1996 March, p. 8
House Studies Disaster Insurance April, p. 4
Are Servicers Into 'Fleecing'? April, p. 6
Defaults Continue To Outrun Cures April, p. 56
Directory Of Service Providers April, p. 26
Cure/Default Ratio Improves May, p. 6
PMI Speeds Up Loss Mitigation May, p. 6
Potential Patchwork Of PMI Laws. Servicers Could End Up Dealing With Dozens Of Different Regulations Author: John B. Kromer May, p. 32
Force-Placed Insurance Class Actions May, p. 35
MICA Reports Recent Activity June, p. 72
Cures Outpace Loan Defaults July, p. 4
Kentucky Counties Keep Signing Up Aug., p. 7
Act Quickly In Disasters Aug., p. 7
Cures, Defaults In A Near Tie Aug., p. 8
ACB Supports Disaster Act Aug., p. 8
MICA Reports Rise In Defaults Sept., p. 7
Congress Considers Disaster Insurance Sept., p. 22
A Tough Month For Servicers Oct., p. 6
Tough Summer For MI Defaults Nov., p. 7
Selling Short? Get Pre-Approval Dec., p. 8

LEGAL

Losing Lawyers Get A Scolding Jan., p. 6
Have A Junior Trust Deed? It's Time To Learn About The Doctrine Of Equitable Subrogation Author: John Clark Brown Jr. Jan., p. 23
Victory Of The '90s? Reversal Of The Peters Decision Upholds Lenders' Rights In Chapter 13 Cases Author: Michael S. Polk Feb., p. 65
News From The Litigation Trenches. Something Hurtful, Helpful, Hopeful - Arbitration Author: Robert C. Harvey June, p. 45
Subprime Loans Under Attack June, p. 71
Ryland, Officers Plead Innocent July, p. 6
Trial Date Set For Ryland Case Oct., p. 7

LEGISLATIVE

States Make Few Alterations. Changes Apply To Licensing, PMI, Escrows And Interest On Escrows April, p. 21
Potential Patchwork Of PMI Laws. Servicers Could End Up Dealing With Dozens Of Different Regulations Author: John B. Kromer May, p. 32

LOSS MITIGATION

Getting A Jump On A Loan Going Bad Feb., p. 28
Servicers Wage Battle. They Are Fighting Defaulted Loans, Using Technology As Their Weapon March, p. 14
Two Systems, One Objective: EarlyIndicator March, p. 6
More Counseling, Fewer Defaults July, p. 4
Loans Seem To Be Doing OK. Do The Numbers Create A Fasle Sense Of Security For The Mortgage Industry? Nov., p. 36
Answers, From FHA, To Your Questions Nov., p. 38
New Guide From Ginnie Mae Nov., p. 40
New Fannie Mae Tool Helps Target Collections Nov., p. 42
89 Out Of 100 Latepayers Cure Nov., p. 42
Risk Profiler Now Available Dec., p. 10

MERS

MERS Might Affect Servicing Prices Jan., p. 4
Bottom Line: What's The Cost Feb., p. 4
Support Grows For Loan Registry March, p. 7
It's An Even Better Deal April, p. 9
Members Keep Signing Up April, p. 11
MERS-Related Changes Made May, p. 9
It's Nearly Operational! As A Next Step, How About Changing The Uniform Mortgage Instrument? May, p. 38
What's In It For Servicers? MERS Will Cure Time Lags In Assignment Recordations, Among Other Benefits Authors: Craig Melton and Yvette Viviani July, p. 28
A Little MERS Background July, p. 29
Fleet Mortgage Now A Member Aug., p. 12
Nationwide Title Welcomes MERS Aug., p. 12
ALLTEL Links Norwest, MERS Aug., p. 14
First Nationwide Registering Loans Sept., p. 8
How To MERS Your Fannie Mae Portfolio Oct., p. 17
New Members Are Thinking Ahead. Many Are Preparing For A Predicted Drop In Interest Rates, Which Will Increase Payoffs Oct., p. 74
MERS: To Play Or Not To Play Author: Lorraine Brown Oct., p. 77
Ginnie Mae Policy Stated On MERS Loans Nov., p. 10
It's Moving Forward, Slowly. The Savings May Not Be Immediate, Or The Process Pain-Free, But Backers Say The Benefits Are There Dec., p. 41

MULTIFAMILY

Housing Institute Collecting Data July, p. 5
AptData Database Is Now Official Dec., p. 20

NONPERFORMING MORTGAGES

Turn A Bad Loan Into Big Bucks. In This Market, It Takes Hands-On, Aggressive Servicing To Be Successful Jan., p. 26
Problem Loans Can Be Cured. Servicers Might Consider Treating 'Sick' Loans Like An 'Illness' Author: Larry B. Litton Sr. April, p. 54

OPERATIONS

Thinking Outside The Box. In Mortgage Banking, Teamwork Translates Into Survival Author: John F. Saelens Jan., p. 33
Say Goodbye To Old Methods. Competitive Challenges Force The Industry To Better Manage Its Business Strategy. Author: Earl "Doc" Baldwin Feb., p. 1
Every Firm Has Its Strengths. Dealing With The Weaknesses Is What Makes The Difference, Survey Finds March, p. 22
Handle Files Very Carefully May, p. 6
The Basis Of 'Operational Excellence' May, p. 24
Good Loans At A Good Price. A Back-To-Basics Strategy Has Brought First Nationwide Great Success Sept., p. 45
Maybe It's NOT The System. Improve Effectiveness By Getting The Most From The Technology You Already Have Author: Celia Robinson Nov., p. 14
Apples, Oranges, Kumquats. The Numbers Are Interesting, But Comparisons Can Be Unfair Nov., p. 34

OUTSOURCING

Taxes Top Task To Outsource March, p. 5
Don't Miss Your Target! Pre-Planning Is Critical To Forming A Successful Outsourcing Relationship April, p. 49
What Servicers Are Outsourcing April, p. 51

PAYMENT SERVICES

It's Not Electric, It's Electronic. Providers Deliver On Promise To Eliminate Almost All The Paper July, p. 39
Midwest Offer: Get A Check With Your Bill Dec., p. 47

PORTFOLIO MANAGEMENT

Where Are Tomorrow's Profits? They're In Today's Portfolio, If You Examine And Manage It Properly Author: Phillip E. Kidd Feb., p. 24
Say Goodbye To Old Methods. Competitive Challenges Force The Industry To Better Manage Its Business Strategy. Author: Earl "Doc" Baldwin Feb., p. 1
Statistical Modeling Has Back-End Applications May, p. 4

QUALITY CONTROL

Servicers Are Superheroes. But Can Managers Find A Way To Satisfy Borrowers, Investors And Profit Expectations? Author: Rebecca B. Walzak June, p. 31
A Tool For Managing Your Portfolio June, p. 36
Get Ready To Network Sept., p. 35

REGULATIONS

HMDA Filing Bar Is Raised March, p. 8

REO

Then, Now And Tomorrow. Higher Lending Volumes Naturally Lead To More Foreclosures; Watch Out For B/C Loans Author: Robert M. Janik March, p. 30
REO? There May Be An Environmental Concern Nov., p. 47

RURAL LOANS

New Loan Center State-Of-The-Art Jan., p. 5
Special Loans, Special Servicing. A New Center Has Consolidated The Workload Into A Single State-Of-The-Art Center Oct., p. 65

SERVICING PEOPLE

Paul Colombe, Old Kent Mortgage Services Inc. Jan., p. 15
Steve Smith, Marty O'Connor and Chuck Sipple, Midland Loan Services Feb., p. 14
Tomarie Wright, Harris Mortgage Company March, p. 18
Maureen Lynaghan, First Nationwide Mortgage Corporation April, p. 19
Karin Pickard, First Union Mortgage Corporation May, p. 22
David J. Miller Jr. and Michael W. Young, Cenlar June, p. 17
Janice McClure, Litton Loan Servicing Inc. July, p. 31
Kay Wagenblatt, Eastern Shore Mortgage Corporation Aug., p. 37
Maureen Wilson, Gulf Financial Services Inc. Sept., p. 30
Marie Imanaka, Bank Of Hawaii Oct., p. 31
Donald Tripp, Legg Mason Dorman & Wilson Oct., p. 46
Suzanne Samson, All Pacific Mortgage Division Nov., p. 18
Philip D. Vincent, Wilshire Financial Services Group Inc. Dec., p. 16

SERVICING RIGHTS

It's A Seller's Market. Buyer's Appetites Are Said To Be Strong, With Few Exceptions May, p. 36
Market Still Looking Strong Oct., p. 7
Are You Paying Too Much? It's Essential To Investigate What You're Buying Before You Bid Dec., p. 21

SUBPRIME LOANS

Subprime Loans Under Attack June, p. 71
Get To Know Your Borrower. By Developing A Relationship, Collectors Can Spot Negative And Positive Behaviors Aug., p. 56
Emphasize Quality, Not Quantity, Of Calls Aug., p. 57
Hang Tough With Subprime Borrowers Sept., p. 5

SUBSERVICING

A Different Slant On Servicing June, p. 43
More Providers, More Services. A Directory Of Subservicers Aug., p. 47
Cut Through The Buzzwords. Dissect The Plan, The Promises And The Contract Before Letting Go Of Your Portfolio Authors: M. Lee Wardlow and Jim Boue Oct., p. 68

TAXES

Taxes Top Task To Outsource March, p. 5
Servicers Say: You Do It! They Turn To Service Providers To Handle The Complicated, Cumbersome Task July, p. 36

TECHNOLOGY

Pressured By Loan Losses? New Technology Promises To Help Jan., p. 1
Annual Directory Of Technology Jan., p. 35
Servicers Wage Battle. They Are Fighting Defaulted Loans, Using Technology As Their Weapon March, p. 14
Manipulate Your Data! Push, Pull, Shove And Move It Around At All Levels, Front End To Back April, p. 35
A Case Study In Selecting A Technology Solution April, p. 38
Statistical Modeling Has Back-End Applications May, p. 4
Get Connected Or Get Lost. The Pressure Is On To Share Data, Exchange Info And Access A Multitude Of Systems Author: Marc C. Lee June, p. 42
Is The Sky Really Falling? It's Dec. 31, 1999. The Clock Strikes Midnight. Are Systems Reading 00 Or Is Staff Crying Oh-Oh? July, p. 16
Are You Ready For The Year 2000? July, p. 18
Bogged Down? Try Workflow Aug., p. 5
Vendors Rise To The Challenge. Loss Mitigation Products Come To Market In Response To Industry Demands Aug., p. 39
New Industry, New Decisions Sept., p. 8
EDI: Its Time Has Come - Really! The Value Of Electronic Data Interchange Has Been Overlooked By The Mortgage Industry And Its Partners Author: Craig Korotko Oct., p. 20
X12 Transaction Sets Are In Use Oct., p. 23
Saving Time Is Saving Money. Have You Been Begging Your IS Manager To Simplify Document Printing? Author: Daryl Wong Oct., p. 62
Maybe It's NOT The System. Improve Effectiveness By Getting The Most From The Technology You Already Have Author: Celia Robinson Nov., p. 14
EarlyIndicator Is Now Easier To Use Dec., p. 9
Risk Profiler Now Available Dec., p. 10

TRADE TALK

What's Bothering Servicers? June, p. 4
National Group Elects Gramlich Aug., p. 9
Not For Women Only...But The NAPMW Was Formed To Build The Careers Of Women In Banking Oct., p. 56
Loan Managers Elect James Dean Nov., p. 6
NNCREW Installs Cunningham Nov., p. 7
Marc Smith Installed As MBA President Nov., p. 17
USFN Wraps Up Seminar Schedule Dec., p. 4
Beasley Earns Service Award Dec., p. 6

TRENDS

There's Value In Partnerships Aug., p. 14
Thought About Arbitration? Sept., p. 9
As The Servicing Industry Goes...So Go The Vendors That Serve It - or Do They? Dec., p. 11

Discount Rate Limited To Two April, p. 20
Agency Expects More Delinquencies July, p. 9
New Net Value For Fiscal '97 Aug., p. 17

WORKPLACE

Being An Employer Isn't Easy. Protect Yourself By Being Proactive In The Human Resources Area Author: Fred S. Steingold June, p. 66
5 Steps To Increase Your Value As A Servicing Employee June, p. 67
Hire Right, Train, Manage Well. It's Just As Costly To Lose A Well-Performing Employee As It Is To Fire A Bad One Aug., p. 61
Are You Maximizing Your Personnel Investment? Author: Celia Robinson Aug., p. 63