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18 ON THE WEB WEBSITES TO GET TO KNOW. With FLOWVELLA, you can combine words, images, videos, sounds, galleries, and PDFs to create an interactive, multi-media presentation. FlowVella is easy to use—choose from dozens of professionally designed templates and simply drag and drop your photos, videos, GIFs, PDFs, or images into the presentation. You can also create a custom URL for your presentation. It works wherever you are, from any tablet or device, and it works wherever your viewer is. FlowVella also provides analytical tools that will show you who looked at your presentation along with which pages they looked at and for how long. HELLOSIGN eliminates the needs to mail documents to clients or to personally deliver them. With HelloSign, you can obtain fast, secure, and legally binding e-signatures from clients remotely. Flexible workflows allow you to sign documents yourself or to request signatures from up to 20 people in any order—or to request them all at once. Once the document is executed, everyone involved receives a copy via email. Along the way, you can receive notifications to keep you in the loop as to the progress of the document. You can also further your brand by adding your logo and company name through the signer's experience, including all pages and emails. PLACESTER is an all-in-one CRM platform featuring integrated digital marketing tools. Real estate professional can create custom websites with Placester that are modern- looking, professional, and responsive. e websites allow users to blog and capture leads easily. For agents, Placester provides tools to promote their brand and to grow and manage their real estate business online in one easy-to- use platform. For brokerages, Placester provides CRM websites and marketing automation for the entire team, as well as tools and insights to manage and grow the company. HELLOSIGN.COM 2 FLOWVELLA.COM 1 PLACESTER.COM 3 IS TRID TO BLAME FOR JUMBO MBS DISAPPEARANCE? For the last 10 years, jumbo mortgage- backed securities (MBS) have been easing their way back into the market, but did the implementation of TRID and other factors put a stop to growth in this sector? Jumbo MBS was considered a nonconforming product a decade ago when subprime gave nonconforming a bad reputation, even though many jumbo securities were prime credits, according to CoreLogic's April 2016 Market Pulse report. "e sector has spent the last ten years trying to re-esatblish a steady market," said Sam Khater, Deputy Chief Economist at CoreLogic. "And just when it seemed that the market was gaining traction, economics, low interest rates, and compliance all turned into headwinds." e entire private-label securities (PLS) market has been mostly flat since its dropoff in 2007, never quite reaching an upside. e prime jumbo purchase market reached its height at $100 billion in 2005 and began to show new signs of life in 2012, the report showed. Khater stated that the new "TRID rules, some observers believe, are exacerbating the challenger of prime jumbo securitization." "Having a healthy private-label securities market is an essential part of a healthy, robust mortgage market," Khater explained. "It is the missing piece in the recovery." U.S. prime jumbo residential mortgage- backed securities (RMBS) has already passed the 2014 total, according to a report from Fitch Ratings. Although the third quarter of 2015 only saw seven RMBS transactions from six issuers, a continued decline from 12 transactions in the first quarter and 10 transactions in the second quarter, the 29 transactions and approximately $10.1 billion of issuance so far this year have already exceeded the 26 transactions and $8.3 billion issued in 2014. "e increased transaction volume reflects a broadening of the number of issuers active in the market," the report said. "Eight different issuers have issued prime jumbo RMBS through third quarter 2015, compared to seven issuers in all of 2014." The number of foreclosure starts in March, representing a decline of 14 percent over-the-month. It was lowest monthly total since July 2015. The majority of these foreclosure each month are repeat foreclosures rather than new ones. Source: Black Knight Financial Services STAT INSIGHT 72,700