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FROM OUR DESK Looking Ahead and Moving Forward default servicing | in print and online vol. 11 no. 12 for me rly PUBLISHER EDITORIAL DIRECTOR DESIGN Our entire team here at DS News would like to wish you and those close to you a happy and uplifting holiday season. As you gear up for the new year and all the challenges—and opportunities—it brings, we remain committed to supporting your success. Drop us a line at editor@dsnews.com and let us know how we can assist you in accomplishing your professional goals for 2014. Thank you for your commitment to the industry, the housing market at-large, and the American homeowner. Your DS News Editorial Team DSNEWS.COM VIDEO EDITOR STAFF WRITER CONTRIBUTING WRITERS COPY EDITORS EDITORIAL ADVISORY BOARD ADVERTISING DS NEWS BLACK BOOK AND LEGAL LEAGUE 100 SOCIAL MEDIA CIRCULATION CONTRIBUTORS Get to know the experts and insiders behind this issue Joe Bada is CEO of Five Brothers, a national field services firm that has been serving the industry for more than 40 years. Eric Bloomquist is COO of NexTitle, formerly Northwest Title. He was previously with Northpoint Escrow + Title. Michael Forester has spent more than 30 years in the mortgage and financial services industries, and is currently co-founder and managing director of CrossCheck Compliance. Steven L. Frie evaluates mortgage servicers as a director in Standard & Poor's Ratings Services' servicer evaluations division. CHAIRMAN AND Carrie Bay Jonathon Won Jordan Funderburk Tory Barringer Joe Bada, Eric Bloomquist, Michael Forester, Steven L. Frie, Marc Hinkle, Shelley Leonard, Frank Nothaft, Shari Nott, Ryan Peterson, Tami Rund, Milt Shaw Alison Rich, Emily White Youree Jerry Alt, LOGS Network Amy Crews Cutts, PhD, Equifax Vic Draper, ProVest Steven Horne, Wingspan Portfolio Advisors Jeffrey Jaffee, CitiMortgage Rick Sharga, Auction.com Jason Myers: 214.525.6760 Thomas Griffin: 214.525.6754 Robyn Clayton: 214.525.6716 David Hoierman: 214.525.6728 Kelli Snowgren: 214.525.6786 Blake Stepan Rebecca McDowell Mark Hulme CHIEF CREATIVE OFFICER PRESIDENT AND Ed Delgado CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER DIRECTOR OF ACCOUNTING MARKETING DIRECTOR OF CURRICULUM DESIGN Marc Hinkle is SVP of operations and vendor management for Mortgage Contracting Services. He was previously a senior executive at a national loan servicer. Shelley Leonard is SVP of business strategy, servicing solutions, and technology for Lender Processing Services. magazine Mark Hulme John Harrison Ernest Gillespie Matt Hulme Heather Jo Sean Walker Jason Stone Jonathon Won Denis Kashoid PRODUCTION Luke Rose TECHNOLOGY Chris Warren Frank Nothaft is a VP at Freddie Mac and has served as the GSE's chief economist since 2001. He was also an economist with the Federal Reserve. Shari Nott is CEO of National Field Network, a company she founded in 2010 after spending 20 years as a mortgage operations executive. Ryan Peterson is president and CEO of Avenue 365 Lender Services, one of three national title agencies he has launched to meet specific needs within the industry. Tami Rund has served as president of Asset Valuation & Marketing since 1996 and was instrumental in the development of its proprietary BPO platform. Milt Shaw is SVP of strategic relationship management for PEMCO Limited. With a background in asset management, he also supports PEMCO Realty. 2 Follow DSNewsDaily on No part of this publication may be reproduced without written permission from the publisher. ©2013 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials.