Servicing Management

1998 FEATURES AND REPORTS

This index lists feature stories, reports and news items that appeared in Servicing Management in 1998.

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ACCOUNTING

Looking Beyond FAS 125. Core Servicing Strength Creates Value As Servicers Adjust To New Standards Author: Camillo Melchiorre Feb., p. 46
Need To Hire A Consultant? The Talent Pool Is Overflowing, But You Must Plan Your Project To Get The Most From Your Investment Author: Celia Robinson April, p. 16
FASB Stands Firm. Efforts To Revise Proposed Requirements For Gains On Securities, Market Value Of Derivatives Are Rejected Author: Jerry DeMuth Aug., p. 50
Tier 1 Capital: MSAs At 100% Oct., p. 12
Anything New With Servicing Costs? Activity Based Costing Might Provide A Clearer Understanding Author: Gary W. Hutto Nov., p. 1

ACQUISITIONS

New Purchase? In Compliance? That Portfolio May Contain Incorrect ARM Calculations, Missing Documents Or Wrong Escrow Amounts Author: Michael J. Kling June p. 30

ACTIVITY BASED COSTING

Anything New With Servicing Costs? Activity Based Costing Might Provide A Clearer Understanding Author: Gary W. Hutto Nov., p. 1

ANCILLARY INCOME

Product Sales Can Boost Profits. From Travel And Auto Clubs To Traditional Insurance Products, Servicers Can Earn Fees by Soliciting Their Borrowers Feb., p. 57

APPRAISALS

HUD Proposes Tighter Rules Aug., p. 63
AVMs Pushed As Alternative Oct., p. 9

ARMS

Be Proactive in 1998. Are You Prepared To Service The New Alternative Loans Coming Into Your Operation? Author: Celia Robinson Feb., p. 64
No Buying Down ARMS March, p. 17
Borrowers Shocked By ARM Increases May, p. 4
ARMS Notifications Are Streamlined Oct., p. 20

ASSET MANAGEMENT

Trying To Define Asset Management Author: Gary W. Hutto Nov., p. 27

BANKRUPTCY

Reform Is On Congress' Agenda. Servicers Should Keep An Eye On What's Happening, As Change Is Likely Feb., p. 72
Law Changes Spark Debate April, p. 8
AALM Members Discuss Issues May, p. 10
Many Changes For Servicers May, p. 17
Bankruptcy Bill Likely To Pass July, p. 6
Reform Passes U.S. House July, p. 7
It's Not A Dead-End Street. Servicers Can Still Pursue Loss Mitigation Opportunities During The Bankruptcy Process Authors: Lance Olsen, Stephen Routh and Richard N. Ullstrom Oct., p. 45
Roller Coaster Ride For ief. Compromise Is Reached; Is It Law? Nov., p. 43

BALLOON MORTGAGES

Ready For The Onslaught? Thousands Of Fannie Mae Balloon Mortgages Are Coming Due Author: Steven J. Melmet July p. 40

BUNDLED SERVICES

One Stop Shopping? Maybe Not. Bundled Service Providers Find That Servicers Don't Always Like, Or Have A Need, To Put their Eggs In A Single Basket Author: Dona DeZube June, p. 14

COLLECTIONS

Money's There, But It's Not Easy. Servicers Must Pay Special Attention When Collecting On Subprime And High LTV Loans, The Hot Products In Today's Market Author: Roland Reynolds Feb., p. 54
Success Wears A Human Face. Yes, Technology And Other Tools Help, But It's Collectors Who Get The Job Done Author: Sadu Thinakal June, p. 39
Claim System Change Delayed Nov., p. 11

COMMERCIAL

California Loan Defaults Drop March, p. 9
Survey Shows Large Servicers March, p. 9
California Has Scant Defaults June, p. 73
Firms Report Banner Year Author: Michael J. Kling Nov., p. 48

CROSS-SELLING

Cross-Selling A Top Priority For Servicers April, p. 4

CUSTOMER RELATIONS

Regaining A Personal Edge Aug., p. 10
Give Borrowers Helpful Tips Aug., p. 57
Are You Ready For 1999? It's Time To Regroup And Rethink Your Company-Customer Focus Author: John S. Graham Dec., p. 40

DATA MINING

Digging For Information. A Warehouse Of Knowledge Is Contained Within Your Own Portfolio Author: Dan DeMarco March, p. 48

DEFAULT MANAGEMENT

Manage Your Default Expenses April, p. 11
203 (k) Problems Still A Concern May, p. 14
Industry Cures Beat Out Defaults July, p. 7
MICA Reports Latest Numbers Oct., p. 13
New Defaults Exceed Cures Nov., p. 6

DELINQUENCIES

3rd Quarter Rate: 4.26% Jan., p. 44
Locking Out Borrowers. Eviction Is A Process Servicers Must Handle Legally, Compassionately March, p. 18
Defaults Climb, MBA Reports Aug., p. 6
California Survives Hit Sept., p. 8
Fewer Borrowers Are Paying Late Oct., p. 15

DIRECTORIES

Directory of Servicing Technology Jan., p. 30
Updates To 1998 Directory March, p. 11
Directory Of Insurance Products & Services April, p. 20
Directory Of Subservicers July, p. 35

DISASTERS

Nature Beats Up Homeowners. Servicers Are Reminded To Respond With Compassion And Within Their Investors' Guidelines March, p. 45
More Disaster Areas Declared April, p. 12
Stormy Weather Hard To Take. Mud Slides, Tornadoes, Floods, Ice Storms -- The Losses Mount And It's Not Over Yet April, p. 18
More Disaster Moratoriums May, p. 15
Forbearance, Forbearance May, p. 17
Disasters Prompt Foreclosure Halt June, p. 55
Look To FEMA For FHA Info June, p. 56
South Dakota: Loan Relief Aug., p. 16
Forbearance Is In Order Sept., p. 12
More Disaster Declarations Sept. p. 48
It's Been One Heckuva Year. Wild Range Of Weather Situations Tap All Types Of Policies Nov., p. 39

DOCUMENT CUSTODY

Looking Beyond Tomorrow. The Document Custody Business Is Changing To Meet The Challenges Of The Next Millennium Sept., p. 46

ESCROWS

Two Changes Made To RESPA. Servicers, Borrowers Can Now Negotiate Annual Payments Or Installments For Property Taxes Author: Dona DeZube March, p. 42

FANNIE MAE

The Year 2000: An Internal Thing Jan., p. 16
Drafting Date Limit Is Lifted Jan., p. 17
Default Workload Heavier, Lighter Jan., p. 17
Is That A Hug Or A Squeeze? Jan., p. 23
A Forecast For The New Year Feb., p. 4
Freddie, Fannie Raise Loan Limits Feb., p. 6
Doing Business Electronically Feb., p. 10
Update That Address Book Feb., p. 16
Taking Stock Of The GSEs Feb., p. 22
Low Rates Could Lead To A Boost In Refinances Feb., p. 34
Popular Loan Draws Attention. Fannie Mae ShAReS Accounting, Reporting Online; The FHA Is Troubled By Fees May, p. 36
MERS Set-Up Is Explained June, p. 11
Mortgage Liquidations June, p. 12
Electronic Filing Of Docs Is OK July, p. 14
Quality Control Rules Change July, p. 14
Ready For The Onslaught? Thousands Of Fannie Mae Balloon Mortgages Are Coming Due Author: Steven J. Melmet July, p. 40
Fannie Mae Changes Foreclosure Rules Oct., p. 16
Bankruptcies, Foreclosures Oct., p. 16
ARMS Notifications Are Streamlined Oct. p. 20
MBA Pushes Testing Plan Nov., p. 6
Relief Programs Are Announced Nov., p. 39

FAS 125

Runoff Is A Killer - Or Is It? The Market Is Finally Seeing The Effects Of The OMSR Provisions Of FAS 125 Author: Gary W. Hutto June, p. 62

FHA

Loss Mitigation, FHA-Style, Is Simpler Jan., p. 12
A Moratorium For Nebraska Feb., p. 18
Paying Fees To Appraisal Firms Feb., p. 20
High Defaulters Risk Termination Feb., p. 20
MERS Rules Are Established Feb., p. 21
Higher Limits, More Loans March, p. 6
Loss Mitigation Is Demystified March, p. 15
FHA Discounts REO For Police March, p. 16
No Buying Down ARMS March, p. 17
Servicing Cap Put On HECMS March, p. 17
Annual MIPS Must Go ACH? March, p. 17
More Disaster Areas Declared April, p. 12
Loss Mitigation: What's The Score? April, p. 13
The FHA Is Not A One-Stop Shop May, p.12
How May I Help You? Author: Dona DeZube May, p. 13
Paper-Pushers: You're On Notice May, p. 14
203(k) Problems Still A Concern May, p. 14
More Disaster Moratoriums May, p. 15
Loan Records Not All There May, p. 16
Popular Loan Draws Attention. Fannie Mae ShAReS Accounting, Reporting Online; The FHA Is Troubled By Fees Author: Dona DeZube May, p. 36
Changes Alter Work Rules June, p. 55
Disasters Prompt Foreclosure Halt June, p. 55
Look To FEMA for FHA Info June, p. 56
Titles, Fees, Bankruptcies Nov., p. 10
Congress OKs Larger Loans Dec., p. 12
Fee Schedule Now In Effect Dec., p. 13

FIELD SERVICES

Correct Data Speeds Process Feb., p. 13
And DON'T Call Me Joe! Today's Field Servicers Are Banging On Keyboards, Not Doors Author: Dona DeZube July, p. 21
Aloha: A Lot Of Hectic Activity July, p. 22

FLOOD INSURANCE

Property Owners Getting Message Feb., p. 8
Who's In? Who's Out? FEMA Remapping In California Creates 135 Square Miles Of Dilemma for Servicers Author: Dona DeZube May, p. 39
What Else Is Going On With Flood Insurance? Author: Dona DeZube May, p. 40
What's An AR Zone? Industry Vendors Play A Key Role In Assisting Servicers As They Notify Borrowers Author: Gerry Gauer May, p. 43
It's Back To School Time. Servicers Should Brush Up On The Four Re's: Refinancin Reusing, Remapping, Rezoning Author: Thomas P. Della Torre May, p. 45
A Tip List for Servicers May, p. 46
Survey Says: 28% Uninsured. Coverage In Grand Forks Above Average, But Still Not Good Enough May, p. 47
Braving The Storm. The National Flood Insurance Program Offers Servicers An Opportunity To Listen And Learn May, p. 49
FEMA Revises Popular Booklet May, p. 51
Special Flood Hazard Areas June, p. 58
North Dakota Given A Break July, p. 11
New Flood Maps Released. California AR Zone Flood Insurance Rates Will Remain At Lower Levels Aug., p. 40
More Disaster Declarations Sept., p. 48
FEMA Fishes For Suggestions On NFIP Nov., p. 4
Remapping Has Gone Well Dec., p. 10

FORECLOSURE

Issuing The Mortgage Satisfaction Jan., p. 42
Don't Serve Those Papers! Sometimes, The Better Business Decision Is To Bend The Rules A Bit - Legally, Of Course Author: Bruce J. Bergman Feb., p. 51
Locking Out Borrowers. Eviction Is A Process Servicers Must Handle Legally, Compassionately Authors: Dona DeZube, Ruth Guillet Fields March, p. 18
A Potpourri Of Cases. These Interesting Items Deal With The Right Of Redemption, Foreclosure Sale Adjournments And Co-Op Dangers Author: Bruce J. Bergman March, p. 22
Assignment Of Rents. This Common Clause Can Be Of More Use Than Some Servicers Think Author: Bruce J. Bergman April, p. 49
Many Changes for Servicers May, p. 17
Beating The Clock. Freddie Mac's Designated Counsel Program Is Cutting Average Foreclosure Timelines Author: Phillip E. Comeau May, p. 54
The Egg's On The Lender's Face. A Single Mortgage Makes A Mess Out Of A Foreclosure Settlement Author: Bruce J. Bergman June, p. 68
Court Rules On Late Charges. In New York, If A Borrower Doesn't Pay Assessed Late Charges, You Can Foreclose - But Do You Want To? Author: Bruce J. Bergman Sept., p. 32
Correspondence Course On FHA/VA Foreclosures Sept., p. 33
Sale Means Quick Action Oct., p. 6
Fannie Mae Changes Foreclosure Rules Oct., p. 16
Bankruptcies, Foreclosures Oct., p. 16
Foreclosing Loans In The Name Of MERS Oct., p. 27
Borrowers Fight Servicers' Right. In California, The Fairly Simple Non-Judicial Process Has Become A Battleground For Some Author: Timothy M. Ryan Oct., p. 38
A View From The Trenches. Let's Examine The Other Side Of Loss Mitigation Author: Bruce J. Bergman Oct., p. 50
Loan Now, Pay Later. What Lenders Are Doing Today Could Haunt Servicers Tomorrow Author: Marsha Gleit Nov., p. 12
Delete The 30-Day Cure Clause! Yes, You Read That Correctly. Chronic Defaulters Can Milk The 30-Day Clause Unless You Take Bold Action. Author: Bruce J. Bergman Nov., p. 40
Foreclosure News From The Northwest Author: David E. Fennell Nov., p. 42

FRAUD

Mortgage Fraud Is A Concern Aug., p. 4

FREDDIE MAC

You Can Reduce Accounting Errors Jan., p. 13
Seller Servicer Guide Is Revised Jan., p. 14
Is That A Hug Or A Squeeze? Jan., p. 23
Freddie, Fannie Raise Loan Limits Feb., p. 6
REO Document Deadlines Change Feb., p. 21
Taking Stock Of The GSEs Feb., p. 22
Year 2000: Be Prepared! March, p. 13
Credit Scoring Added To Software April, p. 11
Manage Your Default Expenses April, p. 11
Beating The Clock. Freddie Mac's Designated Counsel Program Is Cutting Average Foreclosure Timelines Author: Phillip E. Comeau May, p. 54
Servicing Applications Are Packaged June, p. 8
Special Flood Hazard Areas June, p. 58
BPOs, Fees, SSCRA, Etc. Aug., p. 14
Are You Ready For Year 2000? Aug., p. 15
MBA Pushes Testing Plan Nov., p. 6
New Rules Affect Freddie Mac Workouts Nov., p. 8
Streamlined Paperwork Nov., p. 10
New Tool For Managing Expenses Dec., p. 12

FYI

New Servicing Company Forms Feb., p. 77
Nomura Capital Settles In Dallas Feb., p.77
Texas Commerce Changes Its Name Feb., p. 77
Chicago Title Is Going Public Feb., p. 77
First American Opens Company Feb., p. 78
A Done Deal For Two Companies Feb., p. 78
BRON Research Bought By Fidelity Feb., p. 78
Quantra Installs Mortgage Suite Feb., p. 78
Transamerica Donates Services Feb., p. 79
First Nationwide Donates $10,000 Feb., p. 79
Trading Milestone: The WMF Group Feb., p. 79
Mellon Mortgage Signs ALLTEL March, p.30
First American Buys Standard March, p. 30
Fiserv Completes Year-End Work March, p. 30
Norwest Breaks Industry Records March, p. 31
PNC Bank Links Resources March, p. 31
EDS Contracts With FileNET March, p. 31
Main America Picks Quantra March, p. 32
SunWest Switches to McDonald March, p. 32
Chicago Title Buys 2 Firms April, p. 38
Principal Selects Quantra System April, p. 38
Fiserv Expands Its Operations April, p. 38
Year 2000 Consulting April, p. 38
New Identity For Fastrac May, p. 52
Lee Servicing Changes Name May, p. 52
SS&C Acquires Quantra Corp. May, p. 52
Midland Renews Strategy Contract May, p. 53
SLS Chosen As Trustee May, p. 53
First American To Buy Contour May, p. 54
CNP Upgrades Image, Services June, p. 43
New Address For Law Firm June, p. 43
McCracken Now Part Of GMACCM June, p. 43
LFC Now Offers Outsourcing June, p. 43
LINCS Delivers Internet Link June, p. 44
Company Targets Compliance June, p. 44
Transamerica Flood Milestone July, p. 28
Melmet Expands Law Services July, p. 28
New Name for Insurance Group Aug., p. 28
Litton Named Special Servicer Aug., p. 29
CIGNA, Chase Form Alliance Aug., p. 29
LERETA Now Owns AccuFlood Aug., p. 29
Premier Moves Its Offices Aug., p. 29
New Transamerica Business Unit Aug., p. 30
An Investment In FairBanks Aug., p. 30
First American Title Company Aug., p. 30
Balboa Product Earns An Honor Aug., p. 31
INTERLINQ Buys FlowMan Aug., p. 31
ALLTEL Joins With MIC Aug., p. 31
C-BASS Buys Two Companies Sept., p. 30
First American Buys ShadowNet Sept., p. 30
Norwest Enjoys Good HalfYear Sept., p. 31
Clayton Group Acquires PAR Sept., p. 31
First American Buys Two Firms Oct., p. 32
Title Company Is Acquired Oct., p. 32
Countrywide Ranks 'Strong' Oct., p. 33
First MOM Loans Born Oct., p. 34
Norwest Sets New Record Oct., p. 34
Republic Title Makes A Move Oct., p. 35
Option One Has Relocated Oct., p. 35
Bank Selects LOANSERV Oct., p. 35
CheckFree Unit Is Purchased Oct., p. 35
TD Service Exits Escrows Nov., p. 21
ALLTEL Signs Fairbanks Capital Nov., p. 22
CENLAR Grows Beyond Space Nov., p. 22
PLU Implements Workflow Imaging Nov., p. 22
First American Keeps Expanding Nov., p. 23
U.S. Mortgage: WrapArounds Are Acquired Dec., p. 37
Interlinq Inks Contract Dec., p. 37
Midland Gets An Upgrade Dec., p. 37
First American Buys Company Dec. p. 37
C-BASS Joins ALLTEL Network Dec., p. 38
Stewart Named MERS Registrar Dec., p. 38
Countrywide Scores 'Strong" Dec., p. 39
TD Service Is Y2K OK Dec., p. 39
Advanta Gets Good Ratings Dec., p. 39

GINNIE MAE

Forbearance For Issuers April, p. 14
GinnieNet Release 2020 April, p. 14
Forbearance, Forbearance May, p. 17
Solving The Y2K Puzzle May, p. 17
Forbearance Is Encouraged June, p. 57
Announcements: The Short Story June, p. 57
South Dakota: Loan Relief Aug., p. 16
Stretching The Deadline Aug., p. 17
Forbearance Is In Order Sept., p. 12
Electronic Remittances Sept., p. 13
Commitment Authority Short Sept., p. 13
New Address For Agent Oct., p. 20
More Time On Transfers Oct., p. 32
GinnieNET 2020: Updated Version Oct., p. 21
Ginnie Mae Offers Portfolio Help Author: Dona DeZebe Nov., p. 37
Insurance Policy Is Clarified Nov., p. 39
New Custody Manual Is Out Dec., p. 14
More Help For Issuers Dec., p. 14
Changes Made In Insurance Dec., p. 15
New Security Transfer Process Dec., p. 15

HEDGING

Servicers Score A Couple of Points Jan., p. 25

HUD

High Defaulters Risk Termination Feb., p. 20
Taking Stock Of The GSEs Feb., p. 22
Higher Limits, More Loans March, p. 6
203 (k) Problems Still A Concern May, p. 14
Loan Records Not All There May, p. 16
Challenges And Opportunities June, p. 4
Are You Ready For Loan-Level Reporting Sept., p. 8
Inspection Rule Costs Servicers Nov., p. 4
Home Equity Form Change Nov., p. 11
Claim System Change Delayed Nov., p. 11
Fee Schedule Now In Effect Dec., p. 13

INSURANCE

PMI Bill Back Before Congress Jan., p. 4
1997 Figures In From MICA March, p. 9
Directory Of Insurance Products & Services April, p. 20
Servicers Stem Tide Defaults June, p. 73
Industry Cures Beat Out Defaults July, p. 7
A Recipe For Economic Shock July, p. 8
Defaults Spring Up Once Again Aug., p. 10
PMI Bill Is, Uh, Complicated Sept., p. 4
June Was Big On Defaults Sept., p. 7
Are You Ready For Loan-Level Reporting Sept., p. 8
The Case Of The Mortgage Clause. When Fire Damages A Secured Property, Who Is Entitled To The Insurance Proceeds? Author: Ronald S. Deutsch Sept., p. 39
PMI Cancellation Bill Correction Nov., p. 6
It's Been One Heckuva Year. Wild Range Of Weather Situations Tap All Types Of Policies Nov., p. 36
Types Of Homeowner's Insurance Nov., p. 38
MI Claims On The Rise Dec., p. 10
Online Access A Servicer's Dream. MI Companies Add, Improve Customers' Internet Access To Loan Data Author: Randi Kerger Dec., p. 30
Lender Placed Insurance. It's Your Right, But Make Sure You're Doing It The Right Way Author: Ruth Guillet Fields Dec., p. 34

INVESTOR ACCOUNTING

Need To Hire A Consultant? The Talent Pool Is Overflowing, But You Must Plan Your Project To Get The Most From Your Investment Author: Celia Robinson April, p. 16

LEGAL

Year 2000: A Software Crisis Author: Steven L. Hock Feb., p. 28
Locking Out Borrowers. Eviction Is A Process Servicers Must Handle Legally, Compassionately Authors: Dona DeZube, Ruth Guillet Fields March, p. 18
Computers, E-Mail & The Office. New Forms Of Communication Can Lead Employers Into Treacherous Legal Territory Author: Richard H. Block May, p. 30
What Should An E-Mail Policy Contain? Author: Richard H. Block May, p. 34
The Bounced Check Dilemma. To Avoid Litigation, It Pays To Periodically Re-Evaluate The NSF Fees You Charge Borrowers Authors: Andrea Lee Negroni and John P. Kromer June, p. 59
Some Rulings Of Interest July, p. 8
Review Board Takes Action July, p. 12
Ryland Signs Plea Agreement Sept., p. 7
Borrowers Fight Servicers' Right. In California, The Fairly Simple Non-Judicial Process Has Become A Battleground For Some. Author: Timothy M. Ryan Oct., p. 38
State Laws Complicate Servicing Dec., p. 4

LEGISLATIVE

MBA's Smith Reads the Tea Leaves. He Sees Plenty Of Room For Optimism, Both For The Mortgage Industry And The Trade Association Feb., p. 36
Urges Political Involvement Aug., p. 8
State Laws Complicate Servicing Dec., p. 4

LOSS MITIGATION

Loss Mitigation, FHA-Style, Is Simpler Jan., p. 12
Loss Mitigation Is Demystified March, p. 15
Loss Mitigation: What's The Score? April, p. 13
A Portfolio Loss Is Not An Option! At Star Bank, Rebecca Miller And Her Staff Take Loss Mitigation To The Extreme -With Great Success April, p. 30
Case Study: Beating The Odds. Loss Mitigation Scores Helped Wells Fargo Save Resources, Assist Borrowers In Avoiding Foreclosure Authors: Phil Comeau and Larry Cordell June, p. 70
When To Call In A Lawyer Aug., p. 57
Seek Early Loan Action Oct., p. 6
It's Not A Dead-End Street. Servicers Can Still Pursue Loss Mitigation Opportunities During The Bankruptcy Process Authors: Lance Olsen, Stephen Routh and Richard N. Ullstrom Oct., p. 45
A View From The T ches. Let's Examine The Other Side Of Loss Mitigation Author: Bruce J. Bergman Oct., p. 50
Working Smarter, Not Harder. Foreclosure Is Not Always Avoidable, But Sometimes An Alternative Can Be Agreed Upon Nov., p. 44
It's Risky, But Vital, To Take A Chance Author: Todd W. Luckey Nov., p. 45

LTV LOANS

Money's There, But It's Not Easy. Servicers Must Pay Special Attention When Collecting On Subprime And High LTV Loans; The Hot Products In Today's Market Author: Roland Reynolds Feb., p. 54

MBA

MBA's Smith Reads the Tea Leaves. He Sees Plenty Of Room For Optimism, Both For The Mortgage Industry And The Trade Association Author: Michael J. Kling Feb., p. 36
A Prime Month For Networking. Sessions Await Residential, Multifamily, Commercial Loan Administrators Feb., p. 80
MBA Conference: Year 2008 Oct., p. 4
MBA Pushes Testing Plan Nov., p. 6
MBA Creates Separate Boards Dec., p. 23

MERGERS

A Lesson In Merger Survival. Mid-Level Managers Are Charged To Lead 'The Troops' June, p. 38
How Alliances Can Succeed Oct., p. 13

MERS

Mullings Passes the MERS Baton Jan., p. 10
Data-Link Pilots MERS Interface Feb., p. 7
MERS Rules Are Established Feb., p. 21
Familiar Face Now In Charge March, p. 7
Service Providers Are 'Preferred' March, p. 8
As Mortgagee, It's 'Original' April, p. 9
MERS Set-Up Is Explained June, p. 11
More Volume, More Capital Aug., p. 8
Every Loan Needs A MOM Oct., p. 22
Foreclosing Loans In The Name Of MERS Oct., p. 27
First MOM Loans Born Oct., p. 34

MULTIFAMILY

Inspection Rule Costs Servicers Nov., p. 4

NETWORKING

A Prime Month For Networking. Sessions Await Residential, Multifamily, Commercial Loan Administrators Feb., p. 80

NICHE SERVICING

Money's There, But It's Not Easy. Servicers Must Pay Special Attention When Collecting On Subprime And High LTV Loans; The Hot Products In Today's Market Author: Roland Reynolds Feb., p. 54

OPERATIONS

Update That Address Book Feb., p. 16
Nuts About Cost-Cutting? It May Be Time To Stop Beating Servicing Costs To Death Author: Gary W. Hutto July, p. 17
Ever Considered Commingling? Rethinking Your Mass Mailings Can Bring Postal Savings, Faster Delivery And heightened Security Author: Perry Fernandes Aug., p. 47
Postal Service To Test Electronic Courier Service Aug., p. 49
Enhancement Through Imaging. There Are Many Advantages For Servicers That Might Choose To Manage Their Documents Electronically Author: Charles Adams Sept., p. 35

ORIGINATIONS

Originations Affect Servicing Feb., p. 7

OUTSOURCING

Where's That Check? Servicers Can Expect Vendors To Create New Ways For Mortgagors To Deliver Their Mortgage Payments Author: Michael J. Kling May, p. 26
In Refi Booms, Help Helps. But You Can Choose To Do The Work In-House, Too, Or Have A Customized Relationship With Your Outsourcer Author: Doug Walker Dec., p. 32

PAYMENT SERVICES

Processing Mortgage Payments. There Are A Bunch Of Automated Clearing House Payment Initiatives Underway Author: Dona DeZube Feb., p. 24
Where's That Check? Servicers Can Expect Vendors To Create New Ways For Mortgagors To Deliver Their Mortgage Payments Author: Michael J. Kling May, p. 26

PORTFOLIO MANAGEMENT

New Purchase? In Compliance? That Portfolio May Contain Incorrect ARM Calculations, Missing Documents Or Wrong Escrow Amounts Author: Michael J. Kling June p. 30
Running A REIT. Robbins And His Team Rely On Subservicers, But Manage The Portfolio Carefully Author: Michael J. Kling July, p. 29
Getting To The Bottom Of The Pile. To Assure Quality Of Loans Purchased Or Trans red Through Mergers, Due Diligence Experts Recommend Running The Portfolio Through Edits To Find Missing Or Inaccurate Information Author: Michael J. Kling Sept., p. 1

PROFESSIONAL DEVELOPMENT

Study At Home, Earn A Degree Feb., p. 12
Getting Ahead On The Job Feb., p. 12
USFN Seminar: Default Servicing Feb., p. 13
VA Televises Servicer Training March, p. 9
USFN Finalizes Its Schedule March, p. 10
Flood Conference Is Coming Up March, p. 11
The View From The Podium. If You're Asked To Be A Servicing Conference Panelist, Here's How To Make Sure You Don't Put The Audience To Sleep Author: John Graham April, p. 34
Data-Link Users Meeting May, p. 9
Reverse Mortgage Lenders Organize May, p. 10
AALM Members Discuss Issues May, p. 10
Braving The Storm. The National Flood Insurance Program Offers Servicers An Opportunity To Listen And Learn May, p. 49
Western States Loan conference July, p. 10
Michigan MBA Plans Seminar July, p. 10
Correspondence Course On FHA/VA Foreclosures Sept., p. 33
Credits Given For MBA School Oct., p. 14
Loan Managers Plan Meetings Nov., p. 48
Hard Work Does Pay Off Dec., p. 9

PROPERTY VALUATIONS

Sharpen A Pencil, Take A Test. Here's How To Determine Whether Your BPO/Appraisal Vendor Can Deliver What You Need Author: Mark Saavedra March, p. 24

QUALITY CONTROL

Quality Control Rules Change July, p. 14
Getting To The Bottom Of The Pile. To Assure Quality Of Loans Purchased Or Transferred Through Mergers, Due Diligence Experts Recommend Running The Portfolio Through Edits To Find Missing Or Inaccurate Information Author: Michael J. Kling Sept., p. 1
Assure Quality In Your Operation Sept., p. 19

RECRUITMENT

Ditch Those Old Hiring Tactics! Today's Job Candidate Has Demands You Must Meet If You're Looking For The Best Author: David E. Harwood June, p. 22
Improve Your Chances Of Hiring The Best Author: David E. Harwood June, p. 24

REFINANCES

Borrowers Take On More Debt May, p. 11
Servicers React To Refinances. Payoff Departments Have Been Working Overtime; What Does The Second Half Of The Year Hold? Author: Neil Morse June, p. 45
Hey - What A Great Idea! It Might Be A Good Time To Suggest Refinancing To That Borrower You're Counseling June, p. 52
Refi Rules Change Again Aug., p. 17
Refi Activity Is Still Hot Dec., p. 9

REGULATIONS

Hmmm...What About HMDA? May, p. 6

REO

REO Document Deadlines Change Feb., p. 21
Locking Out Borrowers. Eviction Is A Process Servicers Must Handle Legally, Compassionately March, p. 18
Cendant Wins Freddie's Hand May, p. 9
REO Discount Averages 6.1% July, p. 4
Milking The FHA REO Cash Cow Aug., p. 12
Value Vs. Reality. B,C Loan Defaults Raise Concerns Over Proper Valuations And Possible Losses Author: Ken Westfall Aug., p. 24

REVERSE MORTGAGES

Reverse Mortgage Lenders Organize May, p. 10
Popular Loan Draws Attention. Fannie Me ShAReS Accounting, Reporting Online; The FHA Is Troubled By Fees Author: Dona DeZube May, p. 36
Home Equity Form Change Nov., p. 11

RUNOFF

Runoff Is A Killer - Or Is It? The Market Is Finally Seeing The Effects Of OMSR Provisions Of FAS 125 Author: Gary W. Hutto June, p. 62

SERVICING PEOPLE

Paul Reid, Mortgage Bankers Association of America Jan., p. 7
William D. Dallas, First Franklin Jan., p. 24
David J. Vida, The Future Is High LTVs Feb., p. 33
R. K. Arnold, MERS Inc. March, p. 7
Stephen Routh, USFN March, p. 33
Leonard A. Levy, VA April, p. 8
Rebecca Miller, Star Bank April, p. 30
Nancy Jones, Market Street Mortgage May, p. 20
Naomi Murphy, Andrew Charles Mortgage Co., June, p. 47
John M. Robbins Jr., American Residential Investment Trust July, p. 29
Barbara Graver, South Holland Trust and Savings Bank Aug., p.18
Patricia L. Wayman, AMRESCO Residential Mortgage Sept., p. 15
Rick Lee, Fairbanks Capital Oct., p. 55
Richard DeLeo, Countrywide Home Loans Inc. Nov., p. 16
William Glasgow Jr., HomeSide Lending Inc. Dec., p. 16

SKIP TRACING

Has Your Borrower Disappeared? Skip Tracers Can Hunt for Mortgagors As You Look To Serve Papers, Collect The Debt April, p. 44

STATE LICENSING

Do You Think You're Exempt? Servicer And Collection Agency Licensing Laws Apply To Commercial And Multifamily Servicers, Too Author: Andrea Lee Negroni Feb., p. 66

STORY INDEX

What Was News in 1997? Jan., p. 45

SUBPRIME

Money's There, But It's Not Easy. Servicers Must Pay Special Attention When Collecting On Subprime And High LTV Loans; The Hot Products In Today's Market Author: Roland Reynolds Feb., p. 54
Subprime Loans Present Challenges. Servicers Choose Outsourcing, Insourcing And Everything In Between From Service Providers April, p. 46
Differences Are Outlined Oct., p. 9

SUBSERVICING

Market, Product Drives Demand. A New Concept Two Or Three Years Ago, Competition Among Subservicers Is Now Keen Author: Jerry DeMuth July, p. 33
Directory Of Subservicers July, p. 35
Here's How To Cut Your Best Deal Sept., p. 27

TAX SERVICES

Subprime Loans Present Challenges. Servicers Choose Outsourcing, Insourcing And Everything In Between From Service Providers April, p. 46

TECHNOLOGY

Nothing Ventured, Nothing Gained. Selecting The Right System Or Software Is Just The First Step. Servicers Must Maximize Their Technology Investments By Changing The Way They Work, And Using Those Bells And Whistles Author: Jerry DeMuth Jan., p. 18
A Proprietary System, Powered By PCs Jan., p. 19
Is That A Hug Or A Squeeze? Author: Jerry DeMuth Jan., p. 23
Directory of Servicing Technology Jan., p. 30
Are You Ready For 2000? Feb., p. 9
CMBS Information Over The Internet Feb., p. 9
Doing Business Electronically Feb., p. 10
Company Creates 'Reverse' Software Feb., p. 10
Year 2000: A Software Crisis Author: Steven L. Hock Feb., p. 28
What ARE You Waiting For? Document Imaging Is An Underused Tool That Can Assist The Mortgage Industry Author: Dan Pefferle Feb., p. 61
Imaging Offers Data Control Author: Michael J. Kling Feb., p. 63
Updates to 1998 Directory March, p. 11
How Tough Is Asset Management? Very, But The Job Is Made Easier With New, Upgraded Software Systems March, p. 39
Credit Scoring Added To Software April, p. 11
Manage Your Default Expenses April, p. 11
GinnieNet Release 2020 April, p. 14
Y2K: It's Not A Vitamin. There'll Be No Partying Going On If The Year 2000 Arrives And Your Computer Systems Aren't Ready April, p. 39
Where's That Check? Servicers Can Expect Vendors To Create New Ways For Mortgagors To Deliver Their Mortgage Payments Author: Michael J. Kling May, p. 26
Computers, E-Mail & The Office. New Forms Of Communication Can Lead Employers Into Treacherous Legal Territory Author: Richard H. Block May, p. 30
Servicing Applications Are Packaged June, p. 8
Surviving The Year 2000. Industry Cooperation Is Crucial If Servicers Want To Remain In Operation Author: James B. McDonald June, p. 27
And DON'T Call Me Joe! Today's Field Servicers Are Banging On Keyboards, Not Doors July, p. 21
Electronic Proposal Made By The FHA July, p. 11
Electronic Filing Of Docs Is OK July, p. 14
Are You Ready For Year 2000? Aug., p. 15
Servicing And The Internet. There Are Three Distinct Ways That Servicers Can Take Advantage Author: Alan Steven Wolf Aug., p. 34
Obtaining Info On The Internet Aug., p. 36
Sleuthing For Lost Info, Jobs Aug., p. 38
Postal Service To Test Electronic Courier Service Aug., p. 49
Group Readies Y2K Testing Aug., p. 52
LOANbase For Windows Aug., p. 52
Computer-based Training Module Aug., p. 52
TransFlood '98 Now Available Aug., p. 53
New Software From Fiserv Aug., p. 53
Wendover Plans For Year 2000 Aug., p. 53
MortgageWare Loan Servicing Aug., p. 54
Flood Reports Via Internet Aug., p. 55
Countrywide CMAC Connect Aug. p. 55
QRM Portfolio Management Aug., p. 55
Imaging For Assignments Aug., p. 56
Online Loan Management Aug., p. 56
Learn About The Latest Aug., p. 56
Enhancement Through Imaging. There Are Many Advantages For Servicers That Might Choose To Manage Their Documents Electronically Author: Charles Adams Sept., p. 35
'New Reality' Of The Internet. The Task Is Not To Spend Time Trying To Dominate It, But To Use It Effectively Author: John R. Graham Sept., p. 41
GinnieNET 2020: Updated Version Oct., p. 21
New Tool For Managing Expenses Dec., p. 12

TRADE TALK

Study At Home, Earn A Degree Feb., p. 12
USFN Seminar: Default Servicing Feb., p. 13

TRAINING

Be Proactive in 1998. Are You Prepared To Service The New Alternative Loans Coming Into Your Operation? Author: Celia Robinson Feb., p. 64
Bean Counters Be Damned! YOU Know The Value Of Training. Clue In Your Accountants And Upper Management Author: Celia Robinson June, p. 36
Put Your Testing To A Test. Done Properly, Your Operation Can Become A Lean, Mean Servicing Machine Author: Celia Robinson Oct., p. 29

TRENDS

Default Ratio Looks Better Feb., p. 8
Swamped By Payoff Requests? March, p. 11
Challenges And Opportunities June, p. 4
Servicers React To Refinances. Payoff Departments Have Been Working Overtime; What Does The Second Half Of The Year Hold? uthor: Neil J. Morse June, p. 45
Servicing Values Skyrocket. Soaring Demand Sends Servicing Values To New Heights In 1998 Author: Jess Lederman Sept., p. 24
The Hottest Geographic Markets Author: Jess Lederman Sept., p. 25
Home Rates Rise Slightly Sept., p. 48
Where There's A Borrower, There's A Loan Author: Neil Morse Nov., p. 15
What's Ahead? Look To The Fed Nov., p. 46
Refi Activity Is Still Hot Dec., p. 9
Career Trends Dec., p. 27

IRRRL Rule Is Rescinded Feb., p. 21
Funding Fees: Electronic Only Feb., p. 21
Net Value Rate Set At 13.97% April, p. 13
Don't Toss Out Those Records May, p. 16
Refi Rules Change Again Aug., p. 17

WORKOUTS

Hey - What A Great Idea! It Might Be A Good Time To Suggest Refinancing To That Borrower You're Counseling June, p. 52

WORKPLACE

Getting Ahead On The Job Feb., p. 12
Computers, E-Mail & The Office. New Forms Of Communication Can Lead Employers Into Treacherous Legal Territory Author: Richard H. Block May, p. 30
What Should An E-Mail Policy Contain? Author: Richard H. Block May, p. 34
A Lesson In Merger Survival. Mid-Level Managers Are Charged To Lead 'The Troops' June, p. 38
New Rules On Harassment. Beyond A Zero Tolerance Rule, There Are Steps That Should Be Taken To Protect Yourself, Staff Sept., p. 44
An Educational Tool For Servicers Sept., p. 45
New Tool For Managing Expenses Dec., p. 12
Career Trends Dec., p. 27

YEAR 2000

The Year 2000: An Internal Thing Jan., p. 16
Year 2000: A Software Crisis Author: Steven L. Hock Feb., p. 28
Year 2000: Be Prepared! March, p. 13
Year 2000 Consulting April, p. 38
Y2K: It's Not A Vitamin. There'll Be No Partying Going On If The Year 2000 Arrives And Your Computer Systems Aren't Ready April, p. 39
Solving The Y2K Puzzle May, p. 17
Surviving The Year 2000. Industry Cooperation Is Crucial If Servicers Want To Remain In Operation Author: James B. McDonald June, p. 27
Are You Ready For Year 2000? Aug., p. 15
MBA Pushes Testing Plan Nov., p. 6