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2 he year that was 2014 brought forth a tumultuous time of change in the housing industry. But even as uncertainty persists, homeownership remains a fundamental component to the American experience. Its importance in the consciousness of our society underscores the need for proactivity in positioning your business in the best way possible as new regulations are implemented and the marketplace continues to recover. You need to know not only what is happening but what is going to happen to maintain your competitive edge. We're here to help. In this issue, DS News takes an unprecedented step forward toward offering a new level of analysis on the state of the industry and forecasting what the future holds. We went straight to the source. We've enlisted the help of Brian Montgomery, vice chairman of the Collingwood Group, former assistant secretary of the U.S. Department of Housing and Urban Development, and former FHA commissioner to offer a complete forecast for what is in store for the housing industry in 2015. Taking it even further, we put together a special panel of experts to break down the housing market into its component pieces and give you a picture of what lies ahead for important sectors of the industry. In this feature, we take the pulse of leaders in appraisal management, asset disposition, compliance, lending, technology, title services, and servicing. We asked them a simple question: "What are you forecasting for your line of business in the coming year, and what are the factors that are going to shape your industry?" One thing that we can project with absolute certainty: we will always value your feedback and suggestions as we continue to be your source for the most complete default servicing coverage anywhere. Is there something going on in the market that you would like to see covered? Have an idea for a new type of feature? We're all ears, so drop us a line and let us know how we're doing. Send us an email at editor@dsnews.com or follow us on Twitter @ DSNewsDaily and join in on the conversation. Our entire DS News team would like to wish a safe and healthy holiday season to you and yours. We'll see you in 2015. Peering Into the Crystal Ball FROM OUR DESK default servicing | in print and online VOL. 12 NO. 12 No part of this publication may be reproduced without written permission from the publisher. ©2014 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. PUBLISHER EDITOR DESIGN DSNEWS.COM VIDEO EDITOR STAFF WRITERS CONTRIBUTING WRITERS COPY EDITORS ADVERTISING DS NEWS BLACK BOOK AND LEGAL LEAGUE 100 SOCIAL MEDIA Mark Hulme Derek Templeton Jonathon Won Jordan Funderburk Tory Barringer, Krista Franks Brock, Scott Morgan, Brian Honea Brian Montgomery, Alna Jaffa, John Gutman Alison Rich, Shalene Roberts Robyn Clayton: 214.525.6716 Courtney Coffey: 214.525.6781 Thomas Griffin: 214.525.6754 David Hoierman: 214.525.6728 Lindsay Wolf: 214.525.6713 Kevin McCrea: 214.525.6756 Jason Myers: 214.525.6760 Kelli Snowgren: 214.525.6786 Blake Stepan f o r m e rl y m a g a z i n e Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER DIRECTOR OF ACCOUNTING DESIGN Mark Hulme Ed Delgado John Harrison Ernest Gillespie Sean Walker Jason Stone Jonathon Won Denis Kashoid

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