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[ad_1] All Things Housing HousingWire Annual is where the community from across the housing ecosystem comes together to share strategies, drive business forward, discover new technologies, discuss best practices and meet industry leaders.  During this year’s conference, content addressed the biggest changes in the economy, how to build a winning team, attract a community of loyal customers and so much more. Panels featured top leaders, founders and executives from across the housing system to share insights on how to move markets forward.  With how important and critical information is in the current environment, we’re excited to share recordings from this year’s HousingWire Annual with our HW+ audience. To watch the on-demand sessions, click on the buttons below. The full session videos are only available to HW+ members. Not a member yet? Join here. Monday Marketing Leaders Success Summit: The Logic of Emotion: How to Make Inaction Impossible Speakers: Tamsen Webster, Speaker & Author, Keynote Watch Now Marketing Leaders Success Summit: 1+1=3 The Marketing Strategy of M&A Speakers: Jim Jumpe, SVP, Arch MI Bijoy John, SVP of Marketing, NewRez Karen Starns, Chief Marketing Officer, OJO Christy Mindell, Executive Vice President, Marketing Champions Funding Watch Now Marketing Leaders Success Summit: How I Earned 100k Followers & Other Social Media Lessons Speakers: Haley Parker, Area Business Development Manager, Fairway Independent Mortgage Corporation Arjun Dhingra, Sales and Business Development, All Western Mortgage Doug Wilber, CEO, Denim Social Chelsea Peitz, Founder, Chelsea Peitz Consulting Watch Now Marketing Leaders Success Summit: The Future of Marketing Speakers: Rick Webster, Chief Marketing Officer, Lender Price Amy Moses, Vice President, Marketing & Communications, EscrowTab Sara Holtz, VP, Demand Marketing and Communications, ICE Mortgage Technology Cory Jo Vasquez, Chief Marketing Officer, Realty ONE Group Caren Karris, VP of Growth, HW Media Watch Now Women of Influence: Fireside chat with Mary Ann McGarry Speakers: Sarah Wheeler, Editor in Chief, HW Media Mary Ann McGarry, CEO, Guild Mortgage Watch Now [Wo]mentorship: How to Find and Maintain One Speakers: Debbie Hoffman, Managing Associate, General Counsel, Western Union Laura Escobar, President, Lennar Mortgage Kim Lanham, Senior Vice President Marketing, Public Relations, Client Services, Digital Risk Sarah Wheeler, Editor in Chief, HW Media Watch Now The Good, the Bad, and Things We Need to Talk About — A Real Conversation Around Work-life Balance. Speakers: Carrie Gusmus, President, CEO, Aslan Home Lending AJ Barkley, head of Neighborhood and Community Lending, Bank of America Charmaine Brown, Vice President of Diversity, Equity, and Inclusion, Finance of America Companies Courtney Graham, Chief Marketing Officer and Chief People Officer, Princeton Mortgage Dalila Ramos, Founder, Love and Tacos Media Watch Now Women in Leadership: Making the Stats a Reality Speakers: Hilary Saunders, Chief Broker Officer and Co-Founder, Side Ed Wu, Chief Technology Officer and Co-Founder, Side Shayna Arrington, Chief Compliance Officer, The Money Source Rick Toma, Chief Operating Officer, The Money Source Sarah Wheeler, Editor in Chief, HW Media Clayton Collins, CEO, HW Media Watch Now Tuesday Keynote: Ryan Serhant Speakers: Ryan Serhant, CEO, broker and founder of SERHANT. Watch Now Building the Amazon of Real Estate Speakers: Marc King, President, Keller Williams Nick Bailey, President and CEO, RE/MAX LLC Josh Harley, Founder and CEO, Fathom Holdings Tracey Velt, Editorial DIrector, RealTrends Watch Now Regulatory Super Session Speakers: Faith Schwartz, CEO and Founder, Housing Finance Strategies Julienne Joseph, Deputy Assistant, Secretary U.S. Department of Housing and Urban Development’s, Federal Housing Administration Alexia Smokler, Director, Fair Housing Policy & Programs, National Association of Realtors Jessica Russell, Senior Program Manager, Bureau of Consumer Financial Protection Angel Hernandez, VP, Industry & Regulatory Affairs, Stavvy Watch Now The Future of Title Speakers: Pat Stone, Chairman & CEO, Williston Financial Group Heather Siegel, Account Director, Qualia Marcus Hunt, Co-Founder & Attorney, South Oak Title and Title Success Solutions Rachel Luna, Agency Development Manager, Patriot Title Co. Allison LaForgia, Senior Webinar and Events Manager, HW Media Watch Now Wednesday Fireside Chat with Sandra Thompson Speakers: Sandra Thompson, Director, Federal Housing Finance Agency Sarah Wheeler, Editor in Chief, HW Media Watch Now CEO Playbooks: Dave Savage Speaker: Dave Savage, Chief Innovation Officer, Mortgage Coach and Sales Boomerang Watch Now CEO Playbooks: Ashley Bowers Speaker: Ashley Bowers, President, HomeSmart Watch Now CEO Playbooks: Diane Tomb Speaker: Diane Tomb, CEO, American Land Title Association Watch Now Reaching Homebuyers in a Purchase Market Speakers: Dan Catinella, Chief Lending Officer, Total Expert Kristin Messerli, VP Strategy, Experience.com Jodi Hall, President & COO, Nationwide Mortgage Bankers & Americasa Montell Watson, Director of Diversity Lending & Strategic Partnerships, Movement Mortgage Watch Now Housing Market Super Session Speakers: Logan Mohtashami, Lead Analyst, HousingWire Lisa Sturtevant, Chief Economist, Bright MLS Matt Graham, Founder and CEO, MBS Live Selma Hepp, Executive Research & Insights; Interim Lead of the Office of the Chief Economist, CoreLogic Sarah Wheeler, Editor in Chief, HW Media Watch Now Appraisal modernization: What’s the endgame? Speakers: John Liss, Founder, True Footage Joni Pilgrim, CEO and Co-Founder, Nationwide Appraisal Network Mark Walser, President, Incenter Appraisal Management Sarah Wheeler, Editor in Chief, HW Media Watch Now HousingWire Annual: The Remix Demos HWA The Remix: Qualia Presented by: Heather Siegel, Lender Account Director, Qualia Watch Now HWA The Remix: DocMagic Presented by: Leah Sommerville, Senior Account Executive, DocMagic Watch Now HWA The Remix: Westwood Insurance Agency Presented by: Tom Kriby, VP, Client Development and Partnerships, Westwood Insurance Agency Watch Now HWA The Remix: Argyle Presented by: Connor Hendershot, Director, Mortgage & Banking Solutions, Argyle Watch Now HWA The Remix: Evocalize Presented by: Matthew Marx, CEO, Evocalize Watch Now The post HousingWire Annual On-Demand 2022 appeared first on HousingWire. [ad_2] Source link

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[ad_1] As the mortgage industry faces the realities of rising interest rates, savvy lenders are shifting gears towards the potential profitability of home equity lending. HousingWire recently spoke with Paul Harris, SVP of sales at Data Verify, about capitalizing on the home equity market with the help of automated tech solutions and mutually beneficial partnerships. HousingWire: In a rising rate environment where a large percentage of homeowners have record-low mortgage rates secured, the lending industry is turning an eye to home equity. What should lenders expect when navigating these waters?  Paul Harris: Home equity lending can look different for many reasons. The type of validations needed are different, the approval process must be quicker and the costs should be as low as possible. This is where automation can become key.  Lenders should turn to an automated tool that is easily configurable and tailored to validate the specific data for home equity lending. The risk level is also different, so the lender needs to be able to adjust the severity levels on the alerts they receive specific to home equity.     HW: Automation has been reshaping the mortgage industry over many years. Which parts of the home equity process can benefit most from the move toward automation? PH: Data validation is a very time-consuming, often manual process, and one that can save lenders critical time and money when they switch to a more automated solution. Also, home equity lending and mortgage lending have slightly different validation requirements.  The ability to instantly validate simple, redundant data points like property value, ownership, phone numbers, identity and internal watchlist becomes crucial to saving time. Using a solution that has unique verification options such as employment or homeowners insurance (HOI) can help give some lenders a competitive edge over others. Until recently, HOI was only available manually and sometimes can be difficult to track down but now solutions exist that offer this type of verification. Whether a lender is newly entering the home equity space or just placing more focus on it, my biggest piece of advice is to look at what you are already using and see if it can be adjusted to work specifically for home equity. If it can’t, look for a solution that can be configured to work for multiple channels. That way you aren’t always taking on new solutions but rather working with one that you know and love and using it efficiently across the board. HW: With lenders in the home equity space facing such stiff competition, what strategies and solutions should businesses focus on to stay ahead of their competitors? PH: Obviously, cost is going to be top of mind for most lenders. But I would also suggest lenders use this opportunity to consider the use of technology and automation.  Strategically align with partners that are innovative, consultative and looking to help solve challenges. Lenders should be looking for solutions that are not only going to help them right now but will also be nimble enough to scale and can be easily configured as needs evolve.  As I said in the previous question, the solution should be able to work across multiple channels while being tailored to each need. Getting set up with a solution that can do this is going to save lenders so much time, money, and effort in the short and long run.    HW: What is DataVerify doing to stay competitive in the home equity space and what strategies are being employed to mitigate risk for lenders? PH: Home equity comes with a different level of risk and different data validation needs, so we know the risk appetite is different for each lender. It’s important to scale so that bottlenecks don’t become a problem in home equity because of how crucial speed is in this process.  We are constantly reviewing emerging fraud schemes while keeping a pulse on new technology that will help drive down cycle times. Cycle times are always important in lending but home equity may be where it matters most because borrowers are not prepared for it to take a long time or require a lot of involvement from them. So, if lenders are looking to cut costs by keeping more manual processes in place, they may not realize that this could have potential negative effects on the borrower experience. It may end up costing the lender more time and money in the long run. We have been able to add quite a few features to our DRIVE platform over the past couple of years that we believe could give lenders that desperately needed competitive edge. Through a connection to The Work Number, we can verify employment and income in seconds. We also offer automated HOI verification through a solution called Clear HOI. And recently, we announced our new AI solution, DataVerify Assist, which helps lenders with document classification, versioning and data extraction. We find that the mix of mitigating risk with automation verification and highly configurable solutions is a unique and powerful combination for lenders—especially now as resources have to be maximized to get the most “juice from the squeeze”. All that to say, at DataVerify we believe in helping lenders get the most out of their solutions right now while also setting them up for success in the future. Learn more about the future of home equity and developing your competitive edge at dataverify.com.  The post How can lenders reduce costs in the home equity space? appeared first on HousingWire. [ad_2] Source link

[ad_1] National Bank’s World Elite Mastercard has long earned accolades for its included insurance, robust points program and unique and valuable perks, making it a solid choice as a travel card. With the fall 2022 restructuring of its rewards program and other adjustments affecting insurance and the reimbursement of travel expenses, it’s time to revisit the card to see if it’s still a great pick. We’ll get into the details below in our National Bank World Elite Mastercard review, but here are some highlights. This card still offers one of the very best travel insurance packages on the market—particularly for the hard-to-insure older market between 65 and 75 years old. The points program has been simplified, making rewards redemption easier, and you can still use your points toward a wide variety of options, from statement credits to travel. And speaking of travel, this card still gets you exclusive benefits like free airport lounge stays (at Montréal-Pierre Elliott Trudeau International Airport only) and annual rebates on travel expenses. Find your next credit card* See cards tailored for you from over 12 banks and card issuers No impact to your credit score Get an answer in under 60 seconds Find my perfect card You will be leaving MoneySense. Just close the tab to return. .credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 4rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-weight: 800;margin-bottom: 2.75rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext p {margin-bottom: 0;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext {margin-bottom: 0 !important;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {margin: 0 0 2.5rem;line-height: 1.75rem;font-weight: 500;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div .sub-text {margin-bottom: 10px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1.125rem;font-weight: 500;text-transform: uppercase;margin-bottom: 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.875rem;font-weight: 500;line-height: 1.125rem;}@media ( max-width: 900px ) {.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 3rem 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-size: 1.25rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {line-height: 1.25rem;font-size: 1rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div ul {margin: 0 0 0 15px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.625rem;line-height: 0.75rem;}} National Bank of Canada World Elite Mastercard* Annual fee $150 Best features Comprehensive travel insurance, even for older travellers between 65 and 75 years old Earn rate 5 points per $1 spent on groceries and at restaurants (up to the first $2,500 in gross monthly purchases charged to the account, regardless of the purchase category, and 2 points per $1 after); 2 points per $1 spent on gas and EV charging, recurring payments and À la carte Travel service; 1 point per $1 on everything else Income requirement $80,000 personal or $150,000 household Interest rates Purchases 20.99%, cash advances 22.49%, balance transfers 22.49% Point value Varies, from a low of $0.004 on statement credits up to a high of $0.01 on travel Welcome offer 30,000 bonus reward points when you charge a net purchase amount of $5,000 to your card within the first three months of opening your account; 30,000-point first-year anniversary bonus; 10,000 bonus points if you opt into credit card payment insurance. First-year annual fee reimbursed to primary cardholder. Conditions apply; promotion ends Jan. 13, 2023.  Who it’s good for World travellers, particularly those who are older; cardholders who want to use rewards points for RRSP or TFSA investments   National Bank World Elite Mastercard review We take a close look at the new National Bank World Elite Mastercard and weigh the pros and cons to see whether it’s a top-tier travel rewards credit card. How to redeem your rewards for travel and more When you use your National Bank World Elite Mastercard, you earn rewards points to redeem for a variety of rewards including gift cards, statement credits, merchandise, experiences, travel or even investments in your registered retirement savings plan (RRSP) or tax-free savings account (TFSA) at National Bank of Canada. Redemptions are dead simple. Once you’ve accumulated enough rewards points for your desired reward, visit the National Bank online rewards boutique. There, you can browse or search for your item and redeem your points. You can take advantage of National Bank travel rewards in two ways. Book your trip using your points on the À la carte Travel Agency, or redeem points against travel expenses already charged to your card. Either way, you can use your rewards points. Get more details about National Bank World Elite Mastercard.* GO TO SITE Pros of the National Bank World Elite Mastercard Rewards The new rewards points are boosted in several categories, including groceries and restaurants, and some boosted categories—such as gas, EV charging and recurring bill payments—have no cap. Spending limits have been simplified. Bonus points are applied on the first $2,500 spent monthly, regardless of category, for the 5x acceleration. Insurance The National Bank World Elite Mastercard has an exceptional suite of included travel-related insurance—available even to cardholders aged 65 and older, who can travel with peace of mind knowing they have an automatic 15 days of emergency travel insurance in their wallet. People under age 54 get 60 days, and those aged 55 to 64 get 31 days. Other travel protection coverage includes up to $2,500 for trip cancellation, up to $5,000 for trip interruption, up to $500 for flight delays, and coverage for baggage theft, loss or delay. With recent changes to this card’s insurance, there is now two years of new mobile device coverage that protects your device from breakage, loss or theft up to $1,000. Perks The National Bank World Elite Mastercard carries some impressive—and unique—perks like complimentary lounge access for you, a guest and up to two children under 12 years of age at the Montréal-Pierre Elliott Trudeau International Airport, and travel rebates. Effective January 2023, flight ticket upgrades and worldwide lounge access will be newly eligible for rebates. Plus, in a win for simplicity, maximums in travel expense categories will be replaced by a single annual maximum refund of $150. Cons of the National Bank World Elite Mastercard Despite healthy boosts in some spending categories, you’ll only earn at accelerated rates on groceries and restaurants until you reach $2,500 spent (in all categories) monthly. After that, you get 2 points per $1. If you had the card previously, know that recent changes removed personal effects protection aboard a rental

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[ad_1] This panel will explore the power of mentorship and allies among women within lending and real estate and the benefits that these relationships can have for both junior-level and executive women in the industry. How can this relationship help support emerging leaders and balance out a male-driven industry? In what ways can those in the industry help to create an environment that sets women up for success and allows for a sustainable, long-term career? Watch the full session below. To go back to the full HousingWire Annual 2022 on demand page, go here. Panelist: Debbie Hoffman, Managing Associate, General Counsel, Western Union Laura Escobar, President, Lennar Mortgage Kim Lanham, Senior Vice President Marketing, Public Relations, Client Services, Digital Risk Sarah Wheeler, Editor in Chief, HW Media Sponsored by: if(typeof(jQuery)==”function”){(function($){$.fn.fitVids=function(){}})(jQuery)}; jwplayer(‘jwplayer_GYQjJlXy_2RuqXW7O_div’).setup( {“playlist”:”https://content.jwplatform.com/feeds/GYQjJlXy.json”,”ph”:2} ); The post [Wo]mentorship: How to Find and Maintain One appeared first on HousingWire. [ad_2] Source link

[ad_1] Kyle Prevost, editor of Million Dollar Journey and founder of the Canadian Financial Summit, shares financial headlines and offers context for Canadian investors. Are we nearing the end of BoC interest rate increases? The biggest story in Canadian markets this week was the Bank of Canada’s decision to go with a relatively modest 0.5% interest rate raise to 3.75%. Given the hot inflation announcements last week, most economists were certain we’d see an aggressive 0.75% hike. Bank of Canada (BoC) governor Tiff Macklem struck a decidedly more balanced tone than he has in recent months, saying, “We are trying to balance the risks of under- and over-tightening.”  Most analysts now believe we will see one or two more monthly interest rate increases of 0.25% before a wait-and-see approach comes to the fore. Source: CBC News The good news for Canadians with mortgages? Inflation is eating away the real value of their debt. That bad news involves the following arithmetic: If you signed up for a 25-year mortgage at a five-year fixed rate back in 2017, your rate was likely around 3%. Today’s 5-year posted rates from the big banks are around 5.6%. You might be able to get a rate closer to 5%—if you shop around. Using MoneySense’s mortgage payment calculator, we know that if you had a $500,000 mortgage on a $650,000 house back in 2017, you were likely to have a monthly payment of around $2,370.  Five years later you would have paid off around $73,000 in principal, and $69,000 of interest. If you now renew your mortgage with the same amortization, at a five-year fixed rate of 5%, you’re looking at a new monthly mortgage payment of around $2,800.  Most Canadians don’t negotiate their mortgage rate, so if you signed on for the posted 5.6% 5-year fixed rate, you’d be looking at a $2,950 monthly payment. Your bank may allow you to stretch out the remaining $427,400 mortgage loan over a new 25-year amortization, but that would still only bring the monthly payment down to around $2,600—and you’re going to pay tens of thousands more in interest payments over the lifetime of the mortgage for this privilege. I don’t see this as the end of the world for homeowners or for the Canadian economy. Hopefully, most folks with a large mortgage are earning more money now than they were five years ago.  With a tight labour market, I think most Canadians will be able to scratch together enough income to make their new mortgage payments. That said, it’s definitely going to sting when it comes to re-allocating the monthly budget. The rising mortgage payments are also going to negatively impact the amount of disposable income Canadians have to spend in other areas. Of course, on the flip side, savers seeking super-safe investments are finally able to earn more than the paltry 2% fixed-income rates of yesteryear. There are some excellent GIC (guaranteed investment certificate) rate promotions going on amongst both online and traditional banks currently. We’ve written about Canada’s GICs over at MillionDollarJourney. Railway returns arrive on time On the earnings front, Canadian earnings kicked off with a fairly predictable strong performance from our railway duopoly. Both Canadian Pacific Railway (CP) and Canadian National Railway Company (CN) appear to have kept cost increases under control while ramping up revenues versus last year. Shares of CP and CN have realized positive returns so far in 2022, and not many stocks can lay claim to that feat. Here’s a look at notable earnings in Canada this week. All figures are in CAD. Canadian Pacific Railway (CP/TSX): Earnings per share of $1.01  (versus $1 predicted) and revenues of $2.31 billion (versus $2.27 billion predicted). Canadian National Railway (CNR/TSX): Earnings per share of $2.13  (versus $2 predicted) and revenues of $460 million. West Fraser Timber Co. (WFG/TSX): Earnings per share of $2.50 (versus $1.89 predicted) and revenues of $2.09 billion (versus $1.88 billion predicted). Canadian Utilities (CU/TSX): Earnings per share of $0.45 (versus $0.36 predicted) and revenues of $898 million (versus $797.4 million predicted).  Cameco (CCO/TSX): Earnings per share of $0.03 (versus a loss of $0.01 predicted) and revenues of $388.6 million (versus $370.3 predicted). Later in the earnings week, we saw Canada’s commodity-driven companies come through with substantial beats on earnings expectations as well. Uranium-king Cameco is feeling so flush, it even made a major acquisition. Canadian investors who kept putting money into our tech-lite markets in 2020 and 2021 are feeling a lot better about their decisions now than they were during the pandemic tech boom. MoneySense’s ETF Finder Tool Use TOOL Does big tech equal big problems? The world’s biggest technology companies announced earnings this week, and while ad revenue was down (hurting bottom lines at Facebook and Google) it wasn’t all bad news. When it comes to share prices though, we’re seeing a real trend away from the high valuations we saw during the pandemic tech boom. Investors appear ready to sell on anything but incredible news.  For example, it isn’t enough that Apple beat earnings estimates because iPhone sales were weak. It isn’t enough that Amazon beat earnings estimates by over 27% because cloud-giant AWS showed weaker-than-expected growth.   CNBC stock guru Jim Cramer highlighted the recent flow away from FAANG stocks by saying, “Money is coming out of tech to everything else.” All figures below are in USD. Microsoft (MSFT/NASDAQ): Earnings per share of $2.35 (versus $2.30 predicted) and revenues of $50.12 billion (versus $49.61 billion predicted).   Alphabet (GOOGL/NASDAQ): Earnings per share of $1.06 (versus $1.25 predicted) and revenues of $69.09 billion (versus $70.58 billion predicted). Amazon (AMZN/NASDAQ): Earnings per share of $0.28  (versus $0.22 predicted) and revenues of $127.10 billion (versus $127.46 billion predicted). Shares cratered 15% after Thursday’s close.  Apple (APPL/NASDAQ): Earnings per share of $1.29  (versus $1.27 predicted) and revenues of $90.15 billion (versus $88.9 billion predicted). Meta (META/NASDAQ): Earnings per share of $1.64  (versus $1.89 predicted) and revenues of $27.71 billion (versus $27.38 billion predicted). The stock plunged 25% on Thursday.  Despite