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America's Most Watched Lenders and Servicers

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4 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL New mortgage risk exposes market vulnerabilities, Cordray applauds new rules, shadow inventory shrinks, regulations inspire criticism, short sales myths dispelled, and much more . . .11 MOVERS & SHAKERS . . . . . . . . . . . . . . . .32 STATE OF AFFAIRS With this issue, the state section has been redesigned to better present impactful local market . . . . . . . . . . . . .75 COVER STORY COST OF COMPLIANCE: COMMUNITY-BASED SERVICING e default servicing space is narrowing under new legislated regulations. By Barry Hays . . . . . . . . . . . . . . . . . . . . . .46 POINT/COUNTERPOINT SOLVING THE INVESTOR/FIELD SERVICES PUZZLE Investors and field services professionals find ways to work together to improve communities. By Carol Guy and Bryan Lysikowski . .50 SPECIAL SECTION THE 2014 LENDERS AND SERVICERS GUIDE DS News' annual guide profiles the industry's top-rated lenders and servicers . . . . . . . . . . . . . . . . . . . . . . . . . . .53 Contributors CAROL GUY is the manager of acquisi- tion and sales for Blue Spruce Entities in South Dakota. As a Dallas native, Guy has assisted in acquiring REO assets since 2002, using her expertise to market, sell, and dispose of distressed properties for many lenders. Being in the real estate mortgage banking industry for more than 25 years, she is an asset to the current strategies involved in REO liquidation. In her law firm days, Guy handled many multimillion-dollar commercial workouts and closings throughout Texas and New York. BARRY HAYS Barry Hays is co-founder and SVP of TeleVoice, a provider of customized telephony solutions, includ- ing interactive voice response (IVR), computer telephony integration (CTI), and single point of contact (SPoC) to the financial services industry. BRYAN LYSIKOWSKI is an industry veteran bringing nearly two decades of experience in the real estate and property renovation industries. As CEO and co-founder of ZVN Properties, Inc., a national property preservation firm, Lysikowski has succeeded in growing a small regional company into one of the nation's leading field service providers. Join the Conversation Do you have a suggestion, story idea, or feedback you'd like to share with DS News readers? Help shape our next issue and e-mail Editor@DSNews.com. 53 11 46 50 F E B R U A R Y 2 0 1 4 C o n t e n t s D S N E W S . C O M

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