By: Jerry Sutherin, President & CEO of Young & Associates The landscape of commercial real estate (CRE) lending is shifting due to current economic events, presenting both challenges and opportunities...
By: Ollie Sutherin, Principal of Y&A Credit Services Community financial institutions have long been known for their agility and personalized service, excelling at creating unique lending solutions and facilitating distinct...
By: Ollie Sutherin, Principal, Y&A Credit Services The focus of this article is to provide an overview of what Y&A Credit Services, LLC views as key elements during the underwriting...
View and download the Young & Associates 2023 Rescission Reference Chart to assist your lenders in preparing the Notice of Right to Cancel. Please forward this document to someone in...
By: William J. Showalter, CRCM, CRP, Senior Consultant We have been dealing with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) since 2010, and yet questions surface...
For years banks have had pandemic policies, but never really thought the day would come when it would represent more than another examiner-required policy. Then came COVID-19, and in a matter of days, our world changed.
By William J. Showalter, CRCM, CRP, Senior Consultant Adjustable-rate mortgages (ARM) have not been much of an issue for many banks and thrifts in recent years since fixed rates have...
Young & Associates, Inc. remains committed to keeping our employees, clients, and partners safe and healthy during the COVID-19 pandemic. During this difficult and unprecedented time, we have continued to...
By: Bob Viering, Director of Lending, and Aaron Lewis, Director of Lending Education, Young & Associates, Inc., March 25, 2020 On March 22, 2020, the federal banking regulators issued an...
Effective risk control requires conducting periodic independent reviews of the risk management process and validation of the risk measurement systems to ensure their integrity, accuracy, and reasonableness. To meet the...
