The 5 Most Popular Types of Mortgage Brokers

Mortgage brokers are mediators of loan between the lender or lending agency and the recipient. A mortgage broker negotiates the loan on your behalf and he is the link between the borrower and lender. Mortgage bankers on the other hand are lenders. Most home buyers avail the services of leading mortgage brokers as they work in the best interests of the customers. Mortgage bankers act as lenders that sell their loans in pools to the secondary market ensuring that new loans can be generated.

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Mortgage Brokers

 

There are several reasons why one should invest in the services of mortgage brokers. First and foremost, mortgage brokers have regular contact with lenders therefore they can get you the best average rates depending on the type of mortgage you are applying for.

The different types of Mortgage Bankers:

Mortgage companies are often referred to as Mortgage Bankers. They differ from Banks in the way that they operate. Mortgage Companies have lines of credit from other lending institutions. Based on the lending guidelines, the Mortgage Company closes the loan in the correspondent`s name.

There are different types of Mortgage Brokers:

Portfolio Mortgage Lenders

Portfolio mortgage lenders create and fund their own loans. They typically offer deposit accounts to consumers and they are able to hold on to the loans they fund. On receiving the loans they may be sold to the secondary market easily.

Correspondent Mortgage Lenders

Correspondent mortgage lenders work in a distinct fashion as they first originate and fund loans in their own name. Eventually they sell them off to larger mortgage lenders which may then be transferred to the secondary market.

Direct Mortgage Lenders

A direct mortgage lender is essentially a bank that works with a homeowner without the need for a middleman or broker. Mortgage bankers often fall in this category.

Wholesale Mortgage Lenders

Wholesale mortgage lenders have wholesale and retail divisions and they are quite similar to mortgage bankers. They originate loans and then sell them to secondary market. They may work on the retail end with borrowers and once they secure the deal they forward that deal to a wholesale mortgage lender for underwriting and processing.

Warehouse Lenders

Warehouse lenders offer financing to mortgage lenders to ensure that they are able to originate their own mortgages. This short-term funding ensures that smaller lenders get liquidity to help them focus on making cost effective mortgages while selling existing ones to the secondary market.

The role of the mortgage broker is gaining prominence like never before. Since mortgage brokers are professionals with the expertise and knowledge to cater to every borrower`s financing needs, mortgage brokers have become an integral part of the real estate sector and other industries. If you or your business is looking for services from Mortgage lenders we promise to give you nothing but the best and most authentic list of Mortgage lenders. Avail the best features in home loans and give your purchases and investments an edge with Mortgage bankers’ expert guidance.

 
Written by:Andrea Price for Dunlopmarkerting
List Source: Mortgage brokers email list
Contact: 800 310 8349
Email: info@dunlopmarketing.com

Emerging Trends in Real Estate

What is ‘Real Estate’?

Real estate is property consisting of land and the buildings on it, along with its natural resources such as crops, minerals or water, immovable property of this nature, an interest vested in this, an item of real property, buildings or housing in general.

 

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Trends in Real Estate

A kinder gentler real estate cycle?

Real estate fundamentals continue to steadily improve, transaction volume and prices are back to historical high levels. Despite the current length of the real estate market expansion, the amount of new supply remains at low levels. Has the real estate industry learned its lesson? Is this the first of more moderate real estate cycles to come?

The impact of labor scarcity on construction costs

Workers left the construction industry in the Global Financial Crisis. These workers have been slow to return as the economy has recovered. A shortage of construction workers is slowing down project time lines and pushing up total costs. Any idea as to what can be done to address this problem?

Gaining entry beyond the velvet rope

At a time when a number of markets are struggling with a shortage of affordable housing, opposition to potential solutions are on the rise.

Transformation through location choice

Business leaders are turning a widespread economic development approach on its head, transforming neighborhoods and cities in the process.

Ready for augmented reality?

Improvements in Augmented Reality, are enhancing the way we look at potential real estate uses. Brokers can use the technology in their business and it is melding the “clicks” experience with the “bricks.”

Recognizing the role of the small entrepreneurial developer

Nimbleness and local knowledge are not commodities, and several factors suggest that small and mid-sized developers have an increasingly significant role in the industry.

Blockchain for 21st Century real estate

Blockchain is the record-keeping technology functioning as the encrypted register of digital data. It has the potential to be a powerfully disrupting technology for real estate.

The connection of cities

Smart cities that take advantage of technological enhancements appear to be attracting more interest from investors as the use of technology by the city and its’ citizens drives economic growth.

Housing affordability

The affordability conversation now includes a distinction between “big-A” and “small-A” affordability. Big-A affordability refers to housing for low-income households, and Small-A affordability recognize that in many markets middle-income households are “housing stressed.”

Optionality

Both on the investor side and the user side of the market, optionality not just one use, not just one user, not just one user profile is gaining favor as the way to navigate cross-currents of volatile markets.

Although media often refers to the “real estate market” from the perspective of residential living, real estate can be grouped into three broad categories based on its use: residential, commercial and industrial. Examples of residential real estate include undeveloped land, houses, condominiums, and town homes; examples of commercial real estate are office buildings, warehouses, and retail store buildings; and examples of industrial real estate are factories, mines, and farms. If you want to reach out to Real Estate Executives and are facing challenges you can reach out to Dunlopmarketing. Their Real Estate Industry Executives mailing Lists guarantees you in providing the best global data available on Real Estate Industry Executives.

Written by:Andrea Price for Dunlopmarkerting
List Source: Real Estate Industry Executives Email List
Contact: 800 310 8349
Email: info@dunlopmarketing.com

Additional Sources:
http://www.pwc.com/us/en/asset-management/real-estate/top-ten-trends.html

Employment, Recruitment and Staffing Agencies – How Do They Work

Human resource management is the strong pillar that helps manage people within an organization. Employees are the most valuable assets across organizations and the major focus for HR should be effective recruitment and client retention. Staffing is integral to business growth because ‘human capital’ is high on the priorities list of CEOs` and other corporate officers. A department that is in charge of recruitment and staffing services is the human resources department that is indispensable to organizations both big and small.

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Human Resource Executives

HR executives are associated with recruitment, training and payroll management contributing significantly to the enrichment of the workforce. They effectively manage compensation and benefits along with employee relationships, employment law and more. Since a very long time, manpower has been the most valuable resource of big and small businesses world-wide.

Manpower is one of the most valuable resources of both big and small businesses and having HR professionals to manage the resources effectively is the essence of a thriving business. A preview into the successful process of hiring and staffing is as follows:

Hiring solutions come in different sizes:

There is no ‘one size fits all’ rule in the world of staffing. Therefore companies looking at different recruitment needs will have to specify the type of vacancy that needs to be filled so as to ensure effective staffing. Business requirement also plays a crucial role in ensuring that the right candidates are chosen for the job.

Emphasizing on communication as key to successful hiring:

Communication through email may seem like the easiest solution but it may not be the most effective one. Therefore it is important for decision makers to communicate the need at a specified time to ascertain that the recruitment made is one that is going to add value to the business. Direct verbal communication may seem just right for promoting effective staffing solutions.

Create lucid job descriptions:

Communication is key and most recruiters looking to place candidates to specific job roles should focus on the major job responsibilities that are specified on the job description. A detailed job description will ensure that staffing agencies are aware of the type of candidate they are looking for. A peek preview into the corporate culture is also necessary to ensure that successful recruitments ensue.

Staffing agencies and their contribution to successful recruitment

Staffing agencies are often associated with budget-conscious businesses and going with the right firm means that you save on costs and get the right talent into the business. Staffing agencies thus make sure that they recruit highly talented staff and the most suitable candidate for the post that is open. Sometimes, the budget allocated may be directly proportional to the type of recruitment that takes place.

Organizations world-wide need stronger HR and recruitment executives that will devise the rules and regulations and ensure that employees follow them to foster good work culture. At Dunlopmarketing we provide marketers with verified mailing list of employment agencies that will solve any problem that may be associated with recruitment and staffing. Reach genuine staffing agents and recruiters to give your business a definite edge.

Written by: Andrea Price for Dunlopmarkerting
List Source: Employment Agencies Executives email list
Contact: 800 310 8349
Email: info@dunlopmarketing.com

The Chief Technological Officer- CTO

The U.S. Bureau of Labor Statistics has predicted that the job openings for CTOs are going to rise between 2012 and 2022. The incessant and continued growth of business through information systems is one of the major causes for the rise in job opportunities. There have been increased advancements in business solutions and growth in mobile device usage that have contributed significantly to the increase in job openings for IT leaders.

The CTO is the technological backbone of the company and he is responsible for the management of the organization`s research and development besides technological needs. The CTO examines the short and long-term needs of the business and makes optimal use of the capital to ensure that the organization achieves its business goals. Reporting directly to the CEO, the CTO is an integral part of companies that deal with scientific and electronic products. They are responsible for the oversight of intellectual property.

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The top 3 skills that every CTO must possess:

Selection of technical design: The selection of the platform and technical design depends on the business strategy of the organization. The business strategy may be to create a lean start-up or to effectively manage a larger conglomerate, the CTO must be well equipped with the right education and professional skill set. The CTO must be an effective team player who the members can turn to when there are projects getting off the ground.

The ability to see the big graphic picture: The CTO must be fully aware of what a specific technology can do or cannot do and this means being aware of what is written and what is not. Based on experience and statistics, the CTO must know about the tangible and non-tangible projects. Foreseeing the macro and micro aspects ensures that the business in in safe hands of the technological expert.

Provide solutions and options: An important attribute of the CTO is that he should be able to provide suitable options and serve the customer segment efficiently. Assimilating the business products and proposals for change is yet another factor that ensures that the CTO is the final point of contact for your queries and business proposals. The CTO must therefore be able to decide and choose the best options for the business.

The CTO is the highest technology executive across business enterprises with technology and engineering products. Larger companies with bigger budgets may have a CTO or CIO or both. In addition to developing policies and protocol that focusses on optimal use of technology, the CTO zeroes in on the cost-benefit and ROI analysis. The Chief Technological Officers are therefore architects, evangelists and interface designers with a great skill set. You may reach such exceptionally talented CTOs from leading business enterprises for the sale and promotion of your services and products. Get the CTO email list and await the most enticing campaign response.

Written by: for Dunlopmarkerting
List Source: Chief Technology Officer Email List
Contact: 800 310 8349
Email: info@dunlopmarketing.com

TRENDS AND PREDICTIONS FOR THE RETAIL INDUSTRY

Today, everyone is looking to set their expectations for the year ahead. For retail, it promises more disruption ahead as they try to figure out the changing shopping behaviors they see from customers who are more digitally savvy than ever.

Retailers who promote product transparency & sustainability will flourish.

These days, you can find any information you want online and shoppers are no longer content not knowing everything about the products they’re purchasing. A worldwide shift toward sustainability, consumer desire to be more ethically conscious in purchase decisions, and a keen interest in supporting brands with a “strong sense of identity.”

Stores providing unique in-store experiences will thrive.

Retailers who can provide unique in-store experiences will be king in 2017. After all, the only way to justify a customer making the trip to your store rather than shopping online is to give him an experience he can’t get anywhere else.

Retailers across the board will adopt mobile payment solutions.

Mobile payments are the way of the immediate future. TechCrunch estimates that 70 percent of all mobile users in the United States will make a mobile payment in 2017, mobile payments in general next year are expected to total $60 billion, and if you take Business Insider’s word for it, by 2020 mobile payments will account for $503 billion in sales.

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Smaller stores are in; larger stores are out.

When it comes to store size, less will be more in 2017. Consumers don’t want to waste precious time wandering around the endless aisles of enormous stores anymore. Instead, they want ease and efficiency in the form of smaller stores with specialized selections.

Personalization will become increasingly important to consumers.

According to an Accenture Interactive study, “56% of consumers are more likely to shop at a retailer in store or online that recognizes them by name.”

Same-day shipping will become more prominent.

Free shipping is no longer an option; it’s a requirement in today’s world. Consumers might not want to actually make the trip to physical locations, but they still want the instant gratification of taking their purchases home immediately.

Retailtainment will pervade the industry.

Retailtainment, as the name suggests, is the fusion of retail and entertainment. An effort on the part of retailers to provide customers with fun, unique experiences that elevate shopping above anything it’s previously been.

Data will continue to be a significant component of retail success.

More retailers will apply data to every part of the retail process, from the supply chain to the post-purchase stage of the buyer’s journey. Retailers who make data-backed decisions will outperform those who don’t. Which is why we think companies will double-down on data collection and analysis.

Retailers will turn to apps, services, and third parties to fulfill the needs of modern shoppers.

The number of retail-centric apps will increase, and we can expect merchants to leverage them to stay competitive. Retailers are seeking help from third parties to get their products into consumers’ hands quickly and easily.

The year ahead will favor retailers who come up with smart, bold ways to personalize & elevate every aspect of the shopping experience.

Success will boil down to retailers’ ability to offer customers a personalized, seamless shopping experience. Forward-thinking retailers will concentrate their efforts on a shop that responds to customers’ demands, integrating in-store technology, mobile, cloud, analytics and social media in a unified system to boost customer engagement.

Written by: for Dunlopmarkerting
List Source: Retail Industry Executives List
Contact: 800 310 8349
Email: info@dunlopmarketing.com
Additional Sources:
https://www.vendhq.com/university/retail-trends-and-predictions-2017

High income consumers and their influence on wage inequality in the U.S.

The global landscape of wealth management is changing and the emerging markets are flooded with high income shoppers. The high income consumer market is flooded with products and services that cater to an elite audience. It is important to note that high income shoppers are active consumers of luxury goods. This also makes marketers ponder over the outcome of such spending and its impact on the U.S. economy. To begin with, high income consumers are a part of the elite group of spenders that look for premium quality products and do not think twice before splurging on exclusive brands. According to research, majority of U.S workers work in industries that earn close to 10% of revenue from sales to elite households. This invariably has many consequences for the economy and U.S. workers.

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High Income Consumers

The rising dependency on high net worth consumers leads to unequal gaps in consumption and it is almost synonymous with inequality. Majority of American have still not attained a major spending power while the miniscule percentage of consumers have managed to spend lavishly. According to research, the consumer spending by the top 5% of income recipients has increased at a rate of 5.2% per annum while the spending by the bottom 95% grew by a meagre 2.8% hinting at disproportionate growth among high-income consumers. This in turn hints at the fact that U.S. economy caters significantly to the elite spenders and less to the remaining majority of shoppers.

Focus on elite consumers leading to inequality- an empirical view:

There is tremendous wage inequality in the industry and it is quite dependent on the elite consumers. The difference depends totally on the degree to which the U.S industries rely on elite consumers. Tests were conducted on 252 different industries on elite consumers and the findings are as follows:

  • Industries that cater to high-income consumers have displayed higher levels of wage inequality as compared to industries that are reliant on less affluent consumers.
  • The impact of affluent consumers may be explained owing to some differences that are present among other industries that include education or occupation of the workers. Despite taking the help of statistical techniques, the difference continues to hold, and unequal spending is directly proportional to wage gaps in the industry.

The disproportionate growth of high-income consumers- how it impacts the U.S. economy

The disproportionate growth of high income consumers is hinting at the fact that the U.S economy is emphasising more on the preference of elite spenders. Majority of US workers are now employed in industries that earn 10% of the revenue from sales to high income households. When a significant percentage of industries target high income consumers, more businesses and more jobs would rely on the purchase decisions of elite consumers. The rising elite demand for high-end products and services may also widen the gap between workers across industries and firms.

It is up to the Americans and consumers in general to focus on all type of consumer goods- the ones that are basic and the ones that are created for the elite audiences. People from different economic strata must come together to choose basic goods and services along with the premium ones. This may, to a certain extent, reduce inequality in wages and focus on making America free of wage gaps thereby fostering a stronger economy and an even stronger society.

Written By Andrea Price

For Dunlopmarketing

Contact us for more information.

Write to us at info@dunlopmarketing.com

Call us Toll Free: 800 310 8349

 

Top 5 Challenges Faced by CIO in 2017

The Chief Information Officer or CIO has a really challenging job. In recent times, digitization has changed the business landscape phenomenally. Organizations have been looking at reinventing themselves digitally while promoting security against threats and more. To put it in a nutshell, CIOs are facing challenges that include Cyber security, diversity, keeping things relevant and challenges in effectively managing stakeholders.

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Chief Information Officer

The advancement in technology and different business models is the main reason behind the shift in global economic power. It has emphasized CIOs to stay ahead of the existing competitors. Equipped with multiple tools like cloud computing, analytics, various mobile applications, robotics and machine aided learning, the business opportunities have changed so have the costs involved. Significantly precise supply chains; vibrant and reliable personalized products and promotional campaigns which eventually leads to loyal customers are the major strategies that the CIO must pay heed to, in the coming years.
According to research by Forbes, the top 5 challenges that CIOs are going to face in 2017:

  1. Leading the company`s digital transformation

    Gone are the days when the CIOs were focussed on facilitating the company`s digital transformation. The time has come to ensure that CIOs are leading the digital transformation and going all out to bring about significant changes. According to reports by Gartner, almost 40% of respondents to the 2016 CIO Agenda survey are overseeing the digital transformation efforts while 60% of CIOs are still hanging on others coattails. 2017 is going to be a tough year ahead for CIOs who are not prepared to lead such transformational endeavours.
  2. 2017 is going for a more relevant customer experience than customer centricity:

    A business achieves maximum success when the top leaders take the initiative to reach their customers and interact with them through various platforms. Business savvy CIOs that take a keen interest in monitoring the sales, marketing and finance along with the operational aspects end up getting more out of their efforts. According to Deloitte’s global CIO survey, 57% of respondents chose “customers” as their top business priority. But only a meagre 45% of CIOs believed that their initiatives have helped augment the customer experience. In order to meet the tough challenges that lay ahead CIOs must commit to spending close to 20% of their time with customers. This will result in heads-up IT leadership.
  3. Make software and data analytics the center of the company:

    Time and again we read about the Internet of Things. It refers to the detailed process of collecting data from sensors and then analysing the data to get new insights and better market opportunities. It has been estimated that about a 50 billion things will be connected to the internet by 2020, irrespective of whether the company delivers packages or is a manufacturing hub. The CIO is responsible for putting things together.
  4. Strategize business plans effectively and do things faster:

    The speed of the business often determines the success and as digitization takes over there is a need to exploit newer opportunities faster. CIOs must take charge and work on delivering faster and respond to queries on time. Speeding up the business time is one of the most important aspects of ensuring that the business is on fast track growth and excels. With Cloud Computing changing the technological landscape of the business, speed has become integral to business. Companies today must operate at a different speed than they did years ago.
  5. Application development teams must be given the extra nudge for speed and agility:

    Digitization offers a set of challenges and as an avid CIO, are you confident that your team is equipped to handle the changes? Is your development team equipped to make changes to the environment quickly when there are change of plans? Most development organizations have cloud based platforms and development tools. The CIOs job is to ascertain that the business is ready to deploy production apps in Cloud.
    Modern CIOs that succeed in achieving the above objectives will be able to navigate their businesses along the path of success. They are bound to ring in higher revenue with a customer-focussed and digitally adept future.

Written By Andrea Price

For Dunlopmarketing

For authentic database on CIOs get the verified CIO email database from Dunlopmarketing- a pioneer in providing business databases. For more information write to the experts at: info@dunlopmarketing.com