Fannie Mae's Mandatory Pre-funding QC is Now Live. Look to Blue Water's Insured QC on TMC CapTrader to Satisfy the Requirements.

Fannie Mae's new QC pre-funding requirements mandate pre-funding QC review monthly by people with no involvement in the processing/underwriting decision of the loan being reviewed for 750 loans or 10% of your previous month production (whichever is lesser). The obstacles for lenders is weighing the operational costs to satisfy the requirements in addition to trying to scale.

Your solution? Blue Water Insured QC platform, through TMC CapTrader provides lenders with a pre-funding QC option, which will also be insured like their retroactive QC and post-funding QC.

Why it Matters: For Lenders, developing a successful model for operational cash flow and scale while satisfying Fannie Mae's new requirements can be achieved on TMC CapTrader.

The Bottom Line: Blue Water's Insured QC can be used for all your loans whether it's pre-funding, post-funding, retroactive, bulk, flow, etc.

Questions? Contact: 
Jay Patel - Managing Director, Business Development, [email protected] | 805.486.8830

Navigating Change: A Mortgage Professionals Guide to Adaptive Excellence

$100/per seat for TMC Members & Partners

This NEW course is designed to equip mortgage professionals with the skills and mindset needed to thrive in an ever-changing industry. Participants will learn effective strategies and techniques to adapt to new circumstances, seize opportunities for growth, build personal resilience, and reduce stress. We will provide participants with tools to build their mental and emotional strength and offer practical methods to reframe challenges and cultivate a positive mindset. Get ready to enhance your adaptability and excel in the mortgage industry!

Key topics include:

1. How to Successfully Navigate Change

2. The 5 Pillars of Personal Resilience

3. How to Reduce Stress by Changing Your Thinking

4. Strategies for Turning Challenges into Opportunities

Click HERE to learn more.

ActiveComply is a cloud-based solution that helps highly regulated industries confidently manage their social media compliance, website compliance, and virtual inspections. Financial institutions save time and money, create efficiencies, and manage their compliance virtually all from one unified platform.
 
Social media compliance has never been easier with SocialShield.  Automated social media account discovery and image scanning ensures that you find out-of-compliance accounts and posts before your regulators do.  Easily remediate issues with limited sales team involvement. 
 
WebCompass keeps your brand and websites in compliance wherever they are. You never have to worry about someone using your brand without your permission or a website that is missing important regulatory information.
 
Virtual inspections and branch inspections just got easier with VirtualVerify – one of the most cost-effective ways to do virtual inspections. Users can issue premade inspection surveys or create custom assessments for remote work locations and branch offices to meet their company’s needs.  
 
All of this starts with having a Digital Coach in your corner to unlock value on social media.  Leverage Gen-Z Guru and Digital Coach Ally Carty for your organization's digital transformation and social media opportunities to win in today's marketplace.

While change initiatives may be necessary, they’re not easy, and knowing how to effectively navigate them is a vital skill for today’s mortgage leader.  Our new TMCU Minicourse, tailored for mortgage industry leaders, addresses the dynamic and complex landscape of today's market. This course imparts critical insights into empathetic leadership, an indispensable skill for steering teams amidst the current flux in the industry. 
 
Key topics include:
 
1. Understanding change management and its organizational impacts
2. Discovering best practices for effective change management
3. Examining various change management models and what works best for your organization
4. Identifying strategies to overcome typical barriers to change
 
Centered on empathy-driven leadership, this course equips mortgage leaders with the skills to manage change more proficiently, while also inspiring and motivating their teams. The outcome is a boost in employee satisfaction and enhanced business performance.
 
Interested in signing up? Reach out to [email protected] to learn more!

One of TMC’s original Preferred Partners, dating back to 2015, Arch MI is an industry leader in offering expert credit risk enhancement products and solutions to help TMC members and their investors reduce their exposure to mortgage risk. Arch also offers lenders a host of resources designed to help support their business including, MIHome, designed to help borrowers conquer major homebuying obstacles. Arch also provides key strategic market insights, including housing policy, their HaMMR digest (housing & mortgage market review), video, podcasts, and more! Additionally, Arch MI Academy can support your team's training needs with a wealth of course offerings, webinars, and training resources updated throughout the year. 

Arch is here to help support your goals in expanding homeownership by making it possible for eligible borrowers to buy a house with only modest down payments. Get Arch’s most competitive rates and access to the only MI buydown tool with RateStar, the industry’s preferred risk-based MI pricing solution. For more information on Arch MI, contact Valerie Ausband at [email protected].

Clever Millennial Home Buyer Report: 2024 Edition
Our partners at Clever, via their real estate witch offering, released the findings of their 2024 millennial home buyer report, which was full of interesting insights on America’s largest homebuyer segment. For example, while half of millennials say high interest rates are a barrier to becoming homeowners, 78% are willing to consider an interest rate over 7%, and 65% would accept a rate over 10% to become a homeowner. Read the full report and its findings here.


TRUE: 2024 Predictions for AI in Real Estate
Unless you’ve been living under a rock for the past couple of years, you’ve heard a lot about artificial intelligence. AI is poised to not only streamline operational efficiency but fundamentally change data-driven insights for the betterment of mortgage lenders. Our partners with TRUE, provide some interesting predictions for AI in real estate this year. Read TRUE’s insights and predictions here.

Cyber threats are always out there — and they’re evolving. Can you keep up with the pace of those threats? Cenlar can! As the nation’s leading mortgage sub-servicer, Cenlar has a responsibility to their clients, future clients, and business partners to consistently act and create a preventative environment where they’re safe, and their data is too. Cenlar's technology environment is structured cross-functionally to allow the enterprise to move through a cyberattack. What allows them to do this is their mature Information Security Program that exercises their cyber incident response with plans and playbooks to protect their clients and their homeowners. 

Cenlar’s Information Security Program is an intelligence-driven, multi-layered cyber defense model that detects emerging threats, disrupts cyber attacks, and efficiently responds to cyber incidents. Cenlar's cybersecurity experts integrate with the business to identify opportunities, capture value, and adapt to the dynamic business environment. Learn more about Cenlar’s cyber initiative.