MortgageBanker OUR MISSION Mortgage Banker magazine is dedicated to providing quality informational/educational content that betters the mortgage process at every step. The content is oriented to help professionals progress their understanding of the residential mortgage banking business and develop their skills at improving the efficiency and profitability at all levels. VINCENT VALVO, CEO, Publisher & Editor-in-Chief vvalvo@ambizmedia.com ASSOCIATE PUBLISHER Beverly Bolnick bbolnick@ambizmedia.com FOUNDING PUBLISHER Ben Slayton BSlayton@twelve11media.com MANAGING EDITOR Brian Honea Brian@twelve11media.com SENIOR EDITOR Jill Emerson Jill@twelve11media.com ADVERTISING David Hoierman David@twelve11media.com GRAPHIC DESIGN Stacy Murray smurray@ambizmedia.com DIGITAL MEDIA Lucas Luna LLuna@twelve11media.com HEAD OF ENGAGEMENT AND OUTREACH Andrew Berman andrew@ambizmedia.com INTERACTIVE DESIGN DIRECTOR Alison Valvo avalvo@ambizmedia.com ONLINE CONTENT DIRECTOR Navindra Persaud npersaud@ambizmedia.com USER EXPERIENCE DESIGNER Billy Valvo bvalvo@ambizmedia.com MARKETING & EVENTS ASSOCIATE Melissa Pianin mpianin@ambizmedia.com
L ET T ER FR O M T H E EDI TO R
The Better Answers Are Here
I
t has been suggested that successful people ask better questions and therefore get better answers. In this issue, we asked the better questions, and our contributors have provided the better answers.
For instance, with the explosion in origination volumes over the last year, for our cover story we asked economist Selma Hepp of CoreLogic whether or not we are headed for another housing bubble a la 2008 and whether or not house prices will continue to trend upward. Also in this issue: The pandemic resulted in legions of homeowners who could not make their mortgage payments due to financial difficulties, which in turn created hardships for mortgage servicers who had to offer forbearance to many borrowers. What does the future hold for forbearance? Michelle Gilbert of the Gilbert Garcia Group provides the answer. Then we delve into the answer to the question, “Why are mortgage servicing problems on the uptick?” with an insightful piece from Felecia Bowers of Homeowners Financial Group. That is just the tip of the proverbial iceberg. The answers to the above questions and much more lie within these pages. What questions do you have about how you can do business better or about the industry now that we are a month into 2021? We’ll help you find the answers in the pages of upcoming issues. We want to hear about your experiences. We are always listening. You can always drop us a line via the email address below.
COLUMNISTS & CONTRIBUTING AUTHORS Sanjay Agnihotri, Joel Berg, Felecia Bowers, Michelle
Garcia Gilbert, Mitch Kider, Michael Kieval,
6 MORTGAGE BANKER | JANUARY 2021
Bob Niemi, Bruno Pasceri, Leonard Ryan
B R I AN H O N E A
Managing Editor Editor@MortgageBankerMag.com
