Articles Tagged with 'mortgage'

Three-M Laws: Tolls On the Road to Foreclosure

November 01, 2010
New state statutes likely will lengthen the foreclosure process. READ MORE

Agency Releases Mortgage Rate Data

October 28, 2010
The average interest rate on conventional, 30-year fixed-rate mortgage loans of $417,000 or less decreased 12 basis points (bp) to 4.58% in September. The average interest rate on 15-year, fixed-rate loans of $417,000 increased 11 bp to 4.57% in September. READ MORE

Mortgage Lending is Smooth Sailing for Shipbuilders CU

October 12, 2010
A strategic partnership helps the CU adapt to market changes, offer a competitive set of mortgage products, and differentiate itself through exceptional member service. READ MORE

Consumer Spending Falls 2.8% in 2009

October 11, 2010
Mortgage interest payments and charges fell from $3,890 in 2007 to $3,594 in 2009, evidence of the higher than normal mortgage default rate, falling house prices, lower rates of homeownership, and declining mortgage interest rates over the period. READ MORE

FTC Proposes Rule to Ban Deceptive Mortgage Ads

September 28, 2010
The agency's enforcement program has included many cases against mortgage lenders, brokers, and others for allegedly deceptive mortgage advertising. READ MORE

Attorney Charged in Property Mortgage Scam

September 23, 2010
Lenders were led to believe they were lending to residential purchasers who had made substantial down payments. READ MORE

Five More Mortgage Fraud Schemes

August 24, 2010
The Federal Financial Institutions Examination Council warns financial institutions to be on the watch for these common mortgage schemes. READ MORE

FBI Mortgage Fraud Takedown Nets 500 Arrests

June 25, 2010

“Operation Stolen Dreams” has led to 485 arrests, 330 convictions, and the recovery of $11 million.

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CU Embraces 'Make Sense' Approach to Lending

June 23, 2010

When Lyle Wermund determines whether to modify a mortgage, he asks one key question: Does the loan make sense?

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First-Quarter Loan Modifications, Refinancings Rise Significantly

June 23, 2010

Loan modifications and refinancings by Fannie Mae and Freddie Mac increased significantly during the first quarter as the volume of permanent modifications under the Federal Housing Finance Agency’s Home Affordable Modification Program tripled, and refinancings grew steadily.

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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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