How healthy is your city's housing market?

How healthy is your city’s housing market?

How healthy is your city’s housing market?
USA Today
July 31, 2015
Jeff Taylor was quoted heavily yesterday in a USA TODAY article, about the health of the housing market. He said there are a variety of regional trends that can affect local housing markets, from first-time buyers looking to save money on rent, to foreign, all-cash purchases of pied-a-terres.

“Nationally we have absolutely stabilized, but we still have two dynamics going on,” Taylor said. “There are areas that will see price increases that’s based on high demand, like Miami and San Francisco. In Orlando or the Midwest, prices are growing more slowly as inventory has not made its way through the foreclosure process.”

The study is not the first to show the housing market mounting an uneven recovery. While cities such as Denver and San Francisco are seeing home values skyrocket, others are seeing steady, but tapering, growth, according to the S&P/Case-Shiller Home Price Index, a measure of housing prices in 20 major American cities that was released Tuesday. “We have outliers, like Orlando,” Taylor said. “But as a country, we are heading in the right direction.” Click below to read the full article on USA Today.

Regulators Have Overdone it on Banks...or have they?

Regulators Have Overdone it on Banks … Or Have They?

Regulators Have Overdone it on Banks … Or Have They?
Newsmax Finance
July 28, 2015

Regulators have gone a bit too far in cracking down on banks to make them safer, says Debbie Hoffman, chief legal officer at Digital Risk.

“Excessive regulation runs the risk of leaving a fragile economy starved of the capital it needs to grow,” she writes in USA Today.

“It is critical that regulatory policy encourages banks to get back into the business of lending again, something they have been reluctant to do in the wake of the financial crisis.”

Digital Risk LLC: These 10 charts fully explain Millennials and home buying

Digital Risk LLC: These 10 charts fully explain Millennials and home buying

Digital Risk: These 10 charts fully explain Millennials and home buying
HousingWire
July 7, 2015

Seventy percent of Millennials want to buy a home in the next five years, but how and why they will buy a home widely varies depending on the individual.

Digital Risk recently conducted a housing survey on Millennials in the housing market, surveying 1,344 millennials, who are between the ages of 18 and 34, distributed nationally by their age, gender and census geography.

4 Ways Firms Are Failing Associates

4 Ways Firms Are Failing Associates

4 Ways Firms Are Failing Associates
Law 360
June 19, 2015

And having someone to learn from is extremely important, according to Debbie Hoffman, the Chief Legal Officer of Digital Risk Inc., where she has built an in-house legal team based on what she learned in her years in BigLaw.

“It happens organically, but law firms can help make it happen,” she said. “You need to have strong mentors. Part of it is luck, but part of it is you have to develop those relationships. It’s extremely important to have the partnership work with the junior level.”

She added that firms should have not just partners mentoring young lawyers, but senior associates as well.

“We take some time out, we have lunches, we want to do more team building,” Hoffman said. “I think as lawyers we are so business-oriented that we sometimes forget about it. It helps to develop those relationships and trust.”

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Counsel’s Corner: GSEs Have Intensified Efforts to Transfer Risk to Private Market

Counsel’s Corner: GSEs Have Intensified Efforts to Transfer Risk to Private Market
DS News
June 19, 2015

Debbie HoffmanAs the Chief Legal Officer for Digital Risk, Debbie K. Hoffman oversees the operation of Digital Risk’s legal, compliance, risk and licensing functions. Debbie is responsible for corporate governance, legal compliance of subsidiaries and lines of business, preparation and negotiation of legal agreements, legal regulatory issues and evaluating the company’s exposure to risk. Debbie advises the company on a wide variety of legal issues and directs the company’s outside counsel. In addition to her corporate legal duties. Debbie recently spoke with DS News about the challenges of compliance and the GSEs’ transfer of risk from the taxpayers to the private market.

New Credit Rating Agency Rules Target Due Diligence Transparency

New Credit Rating Agency Rules Target Due Diligence Transparency

New Credit Rating Agency Rules Target Due Diligence Transparency
National Mortgage News
June 16, 2015

New regulations for credit rating agencies that took effect this week are expected to make mortgage and other asset-backed securities more transparent by requiring broader disclosure of certain due diligence reports.

Under the rules, which were mandated under the Dodd-Frank Act and issued by the Securities and Exchange Commission, reviews and reports that due diligence providers previously delivered to investment bankers and rating agencies must be shared directly with the public, said Jeff Taylor, co-founder and managing partner of Digital Risk.

2015 HousingWire Rising Star

Digital Risk’s Laura Williamson Named One of HousingWire’s 2015 Rising Stars!

Laura WilliamsonLaura Williamson, SVP of Client Services at Digital Risk, LLC, an Orlando-based mortgage risk analytics and loan processing firm, has been named among HousingWire Magazine’s 2015 Rising Stars.

Now in its second year, the Rising Star program recognizes the brightest and most accomplished industry leaders under 40. According to HousingWire, winners were selected for demonstrating real accomplishments that helped their companies and the industry as a whole to reach new heights.

As part of the feature, HousingWire asked each of the winners to comment on habits, advice and obstacles that they’ve faced on their road to success.