Radian National Training On Air

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the topic of Restricted Stock Unit (RSU) income and how it may be used towards mortgage qualification. We delve into the definitions, guidelines, and calculation methods used by Fannie Mae and Freddie Mac for this increasingly common form of compensation. We discuss:What are Restricted Stock Units (RSUs) and how do they work?Fannie Mae and Freddie Mac guidelines for using RSU income in mortgage qualificationDifferences between performance-based and time-based RSU vestingDocumentation requirements for RSU income verificationScenarios demonstrating RSU income calculations under different guidelinesResourcesFannie Mae Selling Guide - B3-3.1-09, Other Sources of Income - Restricted Stock Units and Restricted Stock Employment IncomeFannie Mae Selling Guide - B3-3.1-01, General Income Information - Continuity of IncomeFreddie Mac Seller/Servicer Guide - 5303.1, Employed incomeStockopedia - 200 day Moving AverageSign up for Radian National Training Updates© 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we delve into the complex and often misunderstood topic of non-traditional credit history in mortgage loan underwriting. Non-traditional credit history refers to alternative forms of credit that can be used when traditional accounts like student loans, mortgages, credit cards, or automobile loans are not present. We will explore:What is a non-traditional credit history?Fannie Mae's Eligibility Requirements for non-traditional creditUnderwriting non-traditional creditScenarios to understand the application of non-traditional credit in mortgage loan underwritingResourcesFannie Mae Selling GuideSection B3-5.4, Nontraditional Credit HistoryB3-5.4-01, Eligibility Requirements for Loans with Nontraditional CreditB3-5.4-02, Number and Types of Nontraditional Credit ReferencesB3-5.4-03, Documentation and Assessment of a Nontraditional Credit History B3-2-03, Risk Factors Evaluated by DUB2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject TransactionB2-2-06, Homeownership Education and Housing CounselingFreddie Mac Seller/Servicer Guide5201.1 Credit assessment with Loan Product Advisor®Sign up for Radian National Training Updates

Recognizing and understanding the behaviors of Millennial and Gen Z homebuyers can empower loan officers and real estate agents to engage these distinct generations. Listen in as Tom Miller, Regional Vice President of MI Sales, and Brenda Smucker, Vice President of Learning and Development, discuss this ever-changing topic. In this episode, we will explore:Interesting statistics comparing the different generationsConstructive ways to engage with potential borrowers and homebuyersHow each generation has different views and preferences when buying a homeFor more information, download Radian's infographic on The Millennial and Gen Z Homebuyer.© 2024 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. The content presented is intended to convey general information and is for informational purposes only and does not constitute legal or accounting advice or opinions. 

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesJoin us in this episode as we delve into the topic of Foster Care Income. We'll explore how the GSEs, Fannie Mae and Freddie Mac, treat this income type, discuss guidelines around the history of income receipt, and review general documentation requirements. We'll also provide a couple of scenarios to aid your understanding of the use of this income.In this episode we will discuss:What is Foster Care Income and how it is treated by the GSEsGuidelines around the history of receiptGeneral documentation requirementsScenarios to better understand the use of Foster Care IncomeResourcesFannie Mae Selling Guide: B3-3.1-01, General Income Information (12/13/2023)Fannie Mae Selling Guide: B3-3.1-09, Other Sources of Income (02/07/2024)Fannie Mae Selling Guide: What is required for foster-care income?Freddie Mac Seller/Servicer Guide: 5301.1, General requirements for all stable monthly incomeFreddie Mac Seller/Servicer Guide: 5305.2, Specific requirements for other income typesSign up for Radian National Training Updates

With over a decade of experience helping investors across the single family rental (SFR) industry, Gregory Godderidge, VP of SFR Operations for Radian Real Estate Management, and Kade Clark, SVP of Digital Valuation Products & Sales for homegenius Real Estate, recently discussed the latest in the SFR space. In this episode, we will explore:The current state of the SFR market todayThe projected trends of SFR throughout 2024 The latest trends for SFR Valuations regarding build to rent Contact us to learn more: https://info.homegenius.com/sfrSingle Family Rental services provided by Radian Real Estate Management LLC. 7730 South Union Park Ave., #400, Midvale, UT 84047. Tel: 801-869-1444. Licensed Property Management Company in UT (License # - 9172198-MN00) and NV (License #-ASM.0000217); Licensed Real Estate Company in UT (License # - 8818122-CN00). Other real estate services provided by homegenius Real Estate LLC and homegenius Real Estate Inc. (collectively dba homegenius Real Estate), each a subsidiary of homegenius, Inc. 7730 South Union Park Avenue, Suite 400, Midvale, UT 84047. Tel: 877.500.1415. homegenius Real Estate LLC and its wholly owned subsidiary are licensed in every state and the District of Columbia.This communication is provided for use by real estate professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation ZThe content presented is intended to convey general information and is for informational purposes only and does not constitute legal or accounting advice or opinions. An attorney or accountant should be consulted for specific information.© 2024 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.   Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the concept of parsonage income, also known as a housing allowance, and its impact on a mortgage loan application. We will discuss:What is parsonage income and where it might come fromPotential benefits of parsonage incomeHow the GSEs treat this type of incomeDocumentation requirements for parsonage incomeExample scenarios to help better understand the use of parsonage income in a loan fileResourcesFannie Mae Selling Guide B3-3.1-01, General Income Information - Using Nontaxable Income to Adjust the Borrower's Gross Income Fannie Mae Selling Guide, What is required for housing or parsonage allowance?Fannie Mae Selling Guide B3-3.1-09, Other Sources of Income- Housing or Parsonage AllowanceFreddie Mac Selling Guide 5305.2, Specific requirements for other income types Freddie Mac Selling Guide 9202.3, Borrower income documentation for workout or relief optionsExplore more complex income types, including non-taxable sources, social security income, child support and alimony.Foundations On Demand Course: Not Your Ordinary Income Not Your Ordinary Income: Social Security BenefitsNot Your Ordinary Income: Military PaySign up for Radian National Training Updates

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesAcronym ListIn this episode, we explore the subject of non-occupant borrowers in mortgage transactions. We'll discuss what GSE guidelines consider when reviewing a loan with a non-occupant borrower, and how a non-occupant borrower may impact the loan decision.What a non-occupant borrower is and why they may be included in a loan scenarioThe GSE guidelines for non-occupant borrowersHow to verify a non-occupant borrower's eligibilityReal-world scenarios involving non-occupant borrowersResourcesFannie Mae Selling Guide B2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction (09/02/2020)Fannie Mae Non-Occupant Borrower Fact SheetFreddie Mac Selling Guide 5103.1, Mortgages including a non-occupyingBorrowerSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the concept of payment shock, its impact on loan reviews, and how it can be mitigated. We discuss:Understanding payment shock in mortgage transactionsGSEs' guidelines on payment shockReal-life scenarios illustrating payment shockStrategies to mitigate payment shockImportance of borrower education and suitable mortgage products in managing payment shockResourcesFannie Mae Selling Guide B2-1.4-02, Adjustable-Rate Mortgages (ARMs) (12/14/2022)Fannie Mae Selling Guide B3-6-04, Qualifying Payment Requirements (06/07/2023)CFPB: Ability-to-Repay/Qualified Mortgage RuleRadian GuidelinesSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the intriguing topic of unique properties in the context of mortgage loans. We will review:Examples of unique propertiesHow GSEs view unique propertiesThe impact of unique properties on loan submissionsThe importance of proper appraisal and supporting data for unique propertiesResourcesFannie Mae: Are unique or nontraditional homes eligible for delivery?Fannie Mae Selling Guide B4-1.3-05, Improvements Section of the Appraisal Report (09/06/2023):Unique Housing TypesFannie Mae Selling Guide Announcement (SEL-2023-08): 3D printed homesFreddie Mac Seller/Servicer Guide 5605.5 Improvements analysisFreddie Mac Appraisal Report and Property Eligibility FAQRadian's guidelinesSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

In this episode of the Radian On Air podcast, Jeff Engle, assistant vice president of Mortgage Learning for Radian Guaranty, welcomes back Donna Ross, Radian Group's award-winning Chief Information Security Officer. They explore the importance of cybersecurity, especially in light of October being Cybersecurity Awareness Month, including the increasing threats to technology and confidential data, alarming statistics of cybercrime, and offer insights on how individuals and companies can protect themselves against these cyber threats.Key points discussed in this episode include:The significance of Cybersecurity Awareness Month and the role each individual plays in maintaining cybersecurityA look at the current cyber threat landscape The importance of continuous risk assessments, planning and testing due to constantly changing cyber threatsPractical tips on how individuals can protect themselves from credit card theft and identity theft - Download the Job Aid!Radian On Air Podcast: Cybersecurity Awareness Month: Are You Prepared? Radian On Air Podcast: Cybercrime: Trends, Impacts & PreventionResources: Astra ReportDeloitte 2023 Global Future of Cyber SurveyVerizon 2023 Data Breach Investigations Report © 2023 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.   Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. The content presented is intended to convey general information and is for informational purposes only and does not constitute legal or accounting advice or opinions. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates 

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we delve into non-US citizen borrowers. We'll discuss the different types of citizenship and residency, what may be required by the GSEs, and how different scenarios may be viewed by GSEs.What a non-US citizen and non-US citizen borrower isWhat may be required for verificationDifferent types of citizenship and residencyAnd how the GSEs may view different scenariosResources:Fannie Mae Selling Guide: B2-2-02, Non–U.S. Citizen Borrower Eligibility RequirementsFannie Mae: Non-Citizen Borrower EligibilityFreddie Mac Selling Guide: 5103.2 Permanent and nonpermanent resident aliensIRS Resident and Nonresident Alien Information US Department of State Visa CategoriesSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesThis discussion will focus on a common theme we see coming to Radian Guaranty's Customer Help & Sales teams, as well as in our live webinars: Trust Income. In this lesson we will discuss:The common Trust Income types you might see in loan filesThe different types of trust income that may be used to qualify for a mortgageHow trust income may be used in mortgage transactionsDocumentation used to verify trust incomeResources:Fannie Mae Selling Guide: B3-3.1-09, Other Sources of Income (12/14/2022)Fannie Mae Selling Guide: What is required for trust income?Freddie Mac Selling Guide: 5305.2 Specific requirements for other income typesSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we delve into the intriguing topic of foreign income in mortgage transactions. We shed light on its definition, importance, and how it's addressed under the guidelines set by Government Sponsored Enterprises (GSEs) like Fannie Mae and Freddie Mac.What is foreign income in mortgage transactions?Recognizing foreign income on tax returnsFannie Mae and Freddie Mac's foreign income requirementsForeign income considerations for self-employed borrowersLanguage translation and currency conversionResources:Fannie Mae Selling Guide: What is required for foreign income?Freddie Mac Selling Guide: 5305.2, Specific requirements for other income typesGoogle Currency ConverterOanda Currency ConverterSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

This episode is a part of Unlocking Loan Solutions with Radian, a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level.Watch the VideoDownload the Job AidAll episodesIn this episode, we explore the intricacies of business automobile mileage deductions as defined by the IRS and how these deductions impact the qualifying income calculations of a Schedule C Sole Proprietor Self-Employed borrower:What are business mileage deductions?Impact of vehicle depreciation on effective incomeKey factors affecting allowable depreciationInfluence of mileage deductions on loan qualificationDocument requirements for loan qualificationResources:Internal Revenue Bulletin: 2023-3Fannie Mae Selling Guide: B3-3.1-09, Other Sources of IncomeFreddie Mac Selling Guide: 5304.1, Stable monthly income and documentation requirements for self-employed BorrowersRadian's Self-Employed Cash Flow Analysis CalculatorSign up for Radian National Training Updates© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

In this lesson, we will define and explain what an Interested Party Contribution (IPC) is and how it may impact a loan file. Watch the VideoDownload the Job AidSign up for Radian National Training UpdatesUnlocking Loan Solutions with Radian SeriesResources: Fannie Mae IPC Selling GuideFreddie Mac IPC Guides© 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

Description: June is National Homeownership Month - Radian Group's Jade Brown, Director, Diversity, Equity, and Inclusion & Justin Foster, SVP People Experience, discuss the unique first-time homebuyer market. In this engaging conversation, Jade & Justin will dive into different areas of today's housing market, many of which are impacting first-time homebuyers everywhere. A few topics we will discuss include: • Current market conditions • Ever-changing homeownership rates • Opportunities available to first-time homebuyers • Resources available to you and first-time homebuyers to support their homebuying needsResources: https://guide.freddiemac.com/ci/okcsFattach/get/1002008_5https://selling-guide.fanniemae.com/Glossary/1045242151/Who-is-considered-a-first-time-homebuyer.htmhttps://www.radian.com/news-and-knowledge/home-buyer-resources https://www.homegenius.com/homebuyers-sellers https://www.homegenius.com/homebuyers-sellers/tools-education/homebuying-process/navigating-the-dealhttps://www.forbes.com/advisor/mortgages/safety-concerns-for-lgbtq-homebuyers/ https://www.housingwire.com/articles/how-to-reach-the-growing-segment-of-hispanic-american-homebuyers-in-2023/ © 2023 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.   Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. The content presented is intended to convey general information and is for informational purposes only and does not constitute legal or accounting advice or opinions. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates 

Diversity, equity and inclusion (DEI) continue to serve as a high priority for many organizations looking to elevate their company culture and make an industry impact. In this episode, Radian's DEI Director, Jade Brown, joins AVP, ESG Engagement & Financial Communications, Terri Perry, to discuss the DEI strategies and trends that are helping drive a better, more representative housing industry today.  In this podcast, we will explore:The importance of DEI in the housing marketHow companies in the housing and real estate industries can remain accountable in their DEI efforts and advocate for expanded homeownership opportunitiesAn overview of Radian's key DEI objectives and progressFuture outlook for DEI and diverse homebuyer demographicsLinks:Download Radian's DEI Annual Report 2021© 2022 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087.Radian Group Inc. and its parents,subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions.

Cybersecurity Awareness Month is upon us. Joining us again is Radian's Chief Information Security Officer Donna Ross for a follow-up to our initial podcast, "Cybercrime: Trends, Impacts & Prevention". In our newest cybersecurity discussion, Donna connects with Jeff Engle, AVP of Learning – Mortgage, to review the new hot topics and trends impacting people and businesses every day.  In this episode, we will dive into:Simple tips to protect personal and business devicesDownload our checklist!Critical cybersecurity issues impacting millionsAlarming cybersecurity statisticsTrends for 2023 and beyondLinks:https://www.linkedin.com/pulse/10-cybersecurity-trends-predictions-20222023-wissenhive/ https://financesonline.com/cybersecurity-trends/https://www.lastpass.com/resources/ebook/psychology-of-passwords-2020https://us.norton.com/internetsecurity-emerging-threats-cybersecurity-statistics.html#© 2022 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087.Radian Group Inc. and its parents,subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian's prior written consent is expressly prohibited. The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions.

Affordability has become a major obstacle for many homebuyers as rising home prices and mortgage interest rates have increased the cost to purchase a home. In this podcast, Marshall Gayden, EVP, Mortgage Insurance Sales and Brenda Smucker, VP, Learning and Development discuss how mortgage insurance can help borrowers navigate affordability challenges.In this episode, we will explore:Current housing market dynamics Affordability challenges for homebuyersCreative ways lenders can leverage MI to help their borrowers© 2022 Radian Group Inc. All Rights Reserved.550 East Swedesford Road, Suite 350, Wayne, PA 19087. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions.

A new homebuyer demographic Is emerging. The homebuyer market is always changing but will see some dramatic shifts in the next few years as Younger Gen Y Millennials and members of Generation Z become an increasing share of the homebuying public. In this podcast Radian's Angela Capone, SVP, Field Sales joins Jeff Engle, Director, Learning Services to discuss the generational shift of homebuyers. In this episode, we will explore:The characteristics of Gen Y and Gen ZHow loan originators can make informed decisions and connect with these generationsHistorical homebuying statistics between generationsResources:  (https://www.radian.com/news-and-knowledge/insights/understanding-next-generation-homebuyers) Understanding the Next Generation of Homebuyers - The ABCs of Gen Y and ZInfographic 1Infographic 2 Infographic 3© 2022 Radian Group Inc. All Rights Reserved.550 East Swedesford Road, Suite 350, Wayne, PA 19087. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions.

New technology has the potential to dramatically change how real estate agents interact and transact with homebuyers and sellers. In this podcast, Jose Perez, SVP of homegenius Sales and Brenda Smucker, Radian's VP of Learning and Development discuss the digital real estate ecosystem being built at Radian's homegenius subsidiary, and how the role of the agent and broker will change in the years to come.In this episode, we will explore:An overview of how technology is transforming the real estate transaction from search to closeKey pain points that are costing real estate agents time and businessHow new technology is replacing the outdated Competitive Market Analysis (CMA)The evolving role of the agent and broker, and what's next for the real estate industryDon't forget to check out the BRAND NEW homegenius.com!This communication is intended to convey general information only and not to provide any legal or accounting advice or opinions. An attorney or accountant should be consulted for specific information. Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.  © 2022 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087. Services advertised are provided by affiliates of homegenius Inc., a wholly owned subsidiary of Radian Group Inc. homegenius connect provided by homegenius Real Estate of Florida LLC dba homegenius connect, 7730 South Union Park Avenue, Suite 400, Midvale, UT 84047. Other real estate services, including but not limited to geniusprice, provided by Red Bell Real Estate, LLC, 7730 South Union Park Avenue, Suite 400, Midvale, UT 84047. Tel: 866.626.2381. Red Bell Real Estate, LLC and its wholly owned subsidiaries are licensed in every state and the District of Columbia. Title insurance and title services offered through mytitlegenius.com are provided by Radian Title Insurance Inc., 6100 Oak Tree Blvd, Suite 200, Independence, OH 44131; Tel: 877.936.8485, NAIC#: 51632, CA- License# 5093-0. FL – Title insurance license #34-1252928, AZ – Title Insurer 34-1252928 (not licensed in AK, HI, ID, IA, ME, NH, NJ, VT and WY) and Radian Settlement Services Inc., 1000 GSK Drive, Suite 210, Coraopolis, PA 15108,  FL- Non-Resident Title Agency #A271379. Title Insurance policies are underwritten by Radian Title Insurance Inc. Additional licenses available at www.mytitlegenius.com. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.

New technology innovations continue to transform the mortgage and real estate industry. In this podcast, Radian's Mark Wai, EVP, Chief Technology Officer and Suzanne Powell, SVP, Digital Client Experience, join Jeff Engle, Director, Learning Services, to discuss the digital transformation currently underway, and how technologies like artificial intelligence (AI) and blockchain are poised to further reshape the sector in the years to come.In this episode, we will explore:What is driving digital innovation in the mortgage and real estate industryThe latest technology trends, including AI, automation, and blockchainHow technology will transform the future of the industry© 2022 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  This communication is intended to convey general information only and not to provide any legal or accounting advice or opinions. An attorney or accountant should be consulted for specific information.

2021 was nothing short of spectacular for U.S. home values. However, the market remains challenging for first-time buyers—competition is fierce, supply is low, and entry-level options are more limited than ever before. Is there any relief on the horizon for buyers in 2022? Red Bell's Steve Gaenzler, SVP, Products, Data & Analytics, joins Brenda Smucker, Radian's VP, Learning & Development to discuss the latest insights from the Radian Home Price Index, provided by Red Bell Real Estate, LLC.  In this podcast, we will explore:An overview of Red Bell's Radian Home Price Index (HPI)A deep dive into Radian HPI data for 2021, including national, regional, and metro-area level trendsThe impact of home price appreciation for first-time homebuyersTrends and expectations for the housing market in 2022radian.com/HPI2021 U.S. Home Prices: Records Far and Wide Reveals Radian Home Price IndexThis communication is intended to convey general information only and not to provide any legal or accounting advice or opinions. An attorney or accountant should be consulted for specific information. Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.  Services provided by Red Bell Real Estate, LLC, a wholly owned subsidiary of homegenius Inc. 7730 South Union Park Avenue, Suite 400, Midvale, UT 84047. Tel: 1-866-626-2381. Red Bell Real Estate, LLC and its wholly owned subsidiaries are licensed in every state and the District of Columbia. This communication is provided for use by business professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2)of Regulation Z. 

Over the past year, the focus on environmental, social and governance (ESG) factors has accelerated as climate change, the COVID-19 pandemic and social justice movements have prompted companies to prioritize corporate responsibility. In this episode, Emily Riley, Radian's EVP, Chief Marketing & Communications Officer, and Ted Hoffman, Sr. EVP, General Counsel and Corporate Secretary, join Terri Perry, AVP, ESG Engagement & Financial Communications, to take you inside the ESG issues and trends shaping the housing &  real estate industries today.  In this podcast, we will explore:Definitions of environmental, social, and governance factors A deeper look into ESG trends in the housing industry, including affordabilityAn overview of Radian's ESG practices and recent accomplishments Radian Corporate Responsibility Report© 2021 Radian Group Inc. All Rights Reserved.  550 East Swedesford Road, Suite 350, Wayne, PA 19087.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  This communication is intended to convey general information only and not to provide any legal or accounting advice or opinions. An attorney or accountant should be consulted for specific information.

Lately, many organizations in the housing industry are putting more emphasis on Diversity, Equity and Inclusion (DEI). We recognize there is a need for greater racial diversity in our industry to reflect the communities we serve. In this episode, we hear from Justin Foster, Radian's SVP, People Experience, and special guests Marcus Cole and Jessica Wright from Fannie Mae to learn more about DEI and the Future Housing Leaders program.In this podcast, we will explore:Definitions of Diversity, Equity, and Inclusion and their meaning in the workplaceAn overview of Radian's DEI strategy, recent accomplishments, and goals for future growthHow Fannie Mae's Future Housing Leaders program is helping to increase access to careers in the housing industry for individuals with diverse backgroundsFannie Mae: Future Housing Leaders ProgramDetermination of eligibility for a particular program or exemption is made by the relevant authority, [and program provider, Fannie Mae], and not by Radian Group, Inc. © 2021 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z. Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions.  

The Real Estate Owned (REO) market has been dormant for over a year due to foreclosure moratoriums and protections for homeowners impacted by the COVID-19 pandemic. As protections are lifted, will there be a post-pandemic flood of REO properties? Radian's Andrew Oliverson, VP, REO Operations, joins Rachel Stein, Director of Training Initiatives to discuss the current and future state of the REO market. In this podcast, we will:Define key terminology, including REO, forbearance and moratoriumDiscuss how moratoriums impacted the REO and broader real estate marketsReview statistics and expectations for the post-pandemic REO market Resources: REI INK – There be a Flood of Post-Pandemic REO Volume?ATTOM – U.S. Foreclosure Activity Drops to 16-Year Low in 2020Nolo.com – CFPB Finalizes a New Rule Restricting Mortgage Foreclosures Until 2022 Federal Reserve – The Effect of Mortgage Forbearance on House Prices During COVID-19MBA – Share of Mortgage Loans in Forbearance Decreases to 3.23 Percent© 2021 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z. Radian Group Inc. and its parents, subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. The content presented is for informational purposes only and does not constitute legal or accounting advice or opinions. 

Despite a challenging year during which the economy continues to recover from the impacts of the COVID-19 pandemic, the real estate market had a strong performance first half of 2021. Radian's Steve Gaenzler, SVP, Data & Analytics, joins Brenda Smucker, VP, National Training to discuss the latest insights from the Radian Home Price Index, provided by Red Bell Real Estate, LLC.In this podcast, we will explore:An overview of Red Bell's Radian Home Price Index (HPI)The latest Radian HPI data for the first half of 2021A deeper look at national, regional, and metro-area level trendsThe main factors driving these trends, including the continued COVID-19 pandemicExpectations for the remainder of 2021radian.com/HPIU.S. Home Prices End First Half of Year on Even Stronger Note© 2021 Radian Group Inc.  Philadelphia, PA.  All Rights Reserved.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  

While digitization of the real estate transaction has accelerated in the past year, the goal of an efficient, digital end-to-end transaction remains. Eric Bloomquist, Radian's Vice President of Centralized Purchase Services, joins Brenda Smucker, Vice President of National Training, to discuss current trends impacting the closing process and how Radian is transforming the future of title and closings.In this podcast, we will explore:The gaining momentum of digital title solutions, including eClosings with Remote Online Notarization (RON)Ongoing challenges and pain points in the real estate closing process and consumer experienceHow titlegenius by Radian uses data and analytics powered by advanced technology to reinvent the traditional title processtitlegenius by Radian© 2021 Radian Group Inc.  Philadelphia, PA.  All Rights Reserved.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  

As we celebrate National Homeownership Month this June, it is important to recognize the barriers to homeownership that many Americans face. More than a half-century since the passage of the Fair Housing Act, homeownership in the U.S. is still significantly unequal. Special guest Lindsey Johnson, President of USMI, and Derek Brummer, Radian's President of Mortgage, discuss challenges and solutions for reducing the racial homeownership gap and helping make homeownership more accessible to all.In this podcast, we will explore:The importance of homeownership in enhancing quality of life and building generational wealthBarriers for first-time homebuyers and systemic challenges to minority homeownershipThe role of MI in making homeownership accessibleSolutions to address the problems of housing supply and affordabilityLinksMI in Your State2021 National Homeownership Market Survey by USMI© 2021 Radian Group Inc.  Philadelphia, PA.  All Rights Reserved.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  

Cybercrime has become one of the most costly crimes in our history. In our newest podcast, Donna Ross, Radian Group's Chief Information Security Officer, joins Jeff Engle, Virtual Training Operations Manager, to discuss the troubling trends of Cybercrime and the impacts to many global industries.In this podcast, we will discuss: Definitions to know about Cybercrime and CybersecurityEye-popping statistics related to current and predicted crimesHow you can help prevent personal and corporate attacksDownload the cybersecurity terms & definitions quick reference guide.© 2021 Radian Group Inc.  Philadelphia, PA.  All Rights Reserved.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  

With the backdrop of a national housing supply/demand imbalance, a new Build-to-Rent (BTR) micro-market has emerged in the single-family rental industry. Greg Godderidge, Radian's VP of SFR Operations, joins Rachel Stein, Director of Training Initiatives to share his insights on the growing Build-to-Rent market.In this podcast, we will explore: An overview of the single-family rental (SFR) marketSupply challenges and increased demand from the millennial generationHow a new Build-to-Rent industry has grown out of the need for rental inventoryExpectations for the Build-to-Rent segment in 2021 Additional resources:Radian Single Family Rental (SFR) ServicesGreg Godderidge on Build-to-Rent© 2021 Radian Group Inc.  Philadelphia, PA.  All Rights Reserved.  This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties.  This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.  

2020 will go down in the history books for many reasons, but one bright spot in a year of darkness is the performance of the U.S. residential real estate markets. Radian's Steve Gaenzler, SVP Data & Analytics, joins Brenda Smucker, VP of National Training to discuss the latest insights from the Radian Home Price Index, provided by Red Bell Real Estate, LLC.In this podcast, we will explore: An overview of Red Bell’s Radian Home Price Index (HPI)The latest Radian HPI data for the full year 2020A deeper look at national, regional, and metro-area level trendsThe impact of the COVID-19 pandemic on the real estate marketFactors that may affect the housing market in 2021radian.com/HPI2020 U.S. Home Prices: A Bright Spot in a Dark Year© 2021 Radian Group Inc. Philadelphia, PA. All Rights Reserved. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.

Loan Officers and Realtors have a unique relationship. One that continues to evolve with the changes to the real estate industry. In this podcast, Dave McCormick, Radian’s SVP of Inside Sales, will discuss how you can build and strengthen that relationship for long-term success.In this podcast we will discuss:Why the Loan Officer and Realtor relationship is so importantHow your personal brand can impact your connectionsEstablishing trust to build stronger relationshipsSimple ways to connect with Realtors to make a lasting impressionLeveraging social media to connect to realtors© 2021 Radian Group Inc. Philadelphia, PA. All Rights Reserved. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.

The COVID-19 pandemic has accelerated the adoption of digital solutions in the title industry. Radian's Grant Brittain, Senior Vice President of Title Services and Brian Edwards, Vice President of Title Customer Service, share their insights on the recent industry changes and how Radian is transforming the future of title.In this podcast, we will explore: Why the pandemic forced rapid implementation of new technology Impacts to the customer experience eClosings with Remote Online Notarization (RON)How Radian is using technology and automation to reinvent the traditional title process with Radian Ready Links:Radian ReadyRadian Title Services

Throughout the COVID-19 pandemic, the single-family rental (SFR) market has proven to be exceptionally resilient. Radian's Tim Reilly, EVP Asset Management Operations, shares his insights on the strength of the SFR market.In this podcast, we will explore: An overview of the single-family rental asset classHow the COVID-19 pandemic has impacted the SFR marketFactors contributing to the continued strength of single-family rentalsChallenges and opportunities facing the industry Radian Single Family Rental (SFR) Radian Insights

Six months into the U.S. COVID-19 pandemic, how is the housing market faring? Radian's Steve Gaenzler, SVP Data & Analytics, discusses the latest insights from the Radian Home Price Index, provided by Red Bell Real Estate, LLC.In this podcast, we will explore: An overview of Red Bell’s Radian Home Price IndexHow the COVID-19 pandemic has impacted the real estate marketThe latest Radian Home Price Index data from August 2020Factors influencing the current market dynamicinfo.radian.com/HPIRadian Insights

Diverse Customer Segments is more than just race and ethnicity. In this new podcast Radian's MJ Watkins, Director of Corporate Relations with responsibility for supporting Multicultural Business, discusses examples of Diverse Customer Segments that go beyond what many might think of. In this podcast, we will explore: Diverse customers’ progress in the mortgage industryTheir perceived challenges to getting a mortgageThe current economic impact on home buyingTools and resources to make the buying process easierContact UsAchieve the DreamRadian National Training

With the shifting landscape of the appraisal industry and constant advances in technology, the valuation space is changing rapidly. Join us on this informative podcast where Radian’s Chief Appraiser, Martin Froehlich, discusses the current state of the valuation market, the changing mortgage environment, and technology and analytics trends shaping the future of valuations.Contact Us - www.radian.com/contact-usValuation Services – www.radian.com/what-we-do/valuation-services

June is National Home Ownership Month and Radian is celebrating by releasing a new Podcast with helpful information for one of the most important homebuying groups: First-Time Homebuyers. This Podcast reviews opportunities and resources available to assist First-Time Homebuyers, as well as challenges they, and many other prospective homebuyers may face while purchasing a home in today’s market. From virtual technology to government assistance programs; Radian can help you provide the information you need to assist your customers.

Technology continues to transform the way we live, and the real estate industry is no exception. Customers have embraced technology for buying and selling homes, so let's find out how this impacts real estate. Learn about the benefits and opportunities technology offers the mortgage industry, the ways in which customers are leveraging technology to simplify the home-buying and financing process, and strategies to embrace technology in ways that foster deeper relationships with customers and drive business. Uncover how Radian resources can help you combat the challenges of the ever-changing mortgage industry.