{"title":"Thomas A Morgan","description":null,"products":[{"product_id":"loan-officer-s-practical-guide-to-residential-finance-book-thomas-a-morgan-9780971820500","title":"The Loan Officer's Practical Guide to Residential Finance","description":"The work presented in this PhD thesis is the result of research carried out at the Center for Sensory-Motor interaction (SMI) at Aalborg University (Denmark) in the period from September 2009 to March 2013. The research was supported by the Danish Research Council for Technology and Production (FTP). During this project five months, between April and August 2011, were spent at Duke University, Durham, NC, USA in collaboration with Dr. Warren M. Grill. This thesis investigates the basic methodology behind the human nociceptive withdrawal reflex (NWR). The aims of this thesis were to investigate this methodology as a potential way of reducing the variability of NWR assessment and, if possible try, to discover methods which could help to reduce this variability. In order to fulfill these aims electrophysiological experiments, advanced mathematical modeling and anatomical studies were applied to investigate the elicitation and recording of the NWR. This thesis contains four chapters. The Introduction presents the reader to the background and motivation for this project and gives a general overview of the PhD thesis. The Methods chapter introduces the used methods and elaborates the background for choosing them. The Results chapter presents and discusses the main findings in this thesis; in addition, all these findings are further elaborated in the original papers. The Conclusions chapter sums up the main findings and the impact on the state of the art, and finally looks at the perspectives towards future studies. The thesis is based on three original papers that all are either published in, or submitted to, peer-reviewed journals. In addition one submitted peer- reviewed paper and several conference abstracts were based on the research conducted in this project.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":49799731904785,"sku":"CIN0971820503G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":51011401974033,"sku":"CIN0971820503VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0971820503.jpg?v=1750916296"},{"product_id":"practical-guide-to-loan-processing-book-thomas-a-morgan-9780971820531","title":"The Practical Guide to Loan Processing","description":"Processor Training - The Practical Guide to Processing - 2015 This product is designed to give the new or entry level processor all information necessary to be able to quickly learn to manage a pipeline. Most processors learn the job in segmented pieces, moving from loan file set-up, data entry, and clearing conditions to managing a pipeline. This book allows the processor to learn, step-by-step, the functions they are expected to execute. Processing has been described as the life blood of the mortgage business - a company lives or dies based on its ability to deliver excellent service. Most of the burden for providing excellent service falls on the processing function. Few companies have formal processing training. This product is designed to help processors manage larger pipelines more efficiently. The reader learns the functions, challenges and career path of the processing position. Detailed, step-by step instructions cover loan intake, loan file set-up, regulatory disclosure requirements, vendor management, file status reporting, borrower communication, file readiness determination, pre-underwriting review, working with automated underwriting, satisfying loan stipulations, pre-closing preparation and file audit preparation. Specific treatment of various specialty programs is included, such as construction loans, FHA and VA loans, streamline refinances, debt consolidation, brokered loans versus in-house underwritten loans. Time management techniques, automation integration other management techniques.","brand":"WoB","offers":[{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50329452085521,"sku":"CIN0971820538VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0971820538.jpg?v=1751171829"},{"product_id":"loan-officer-s-practical-guide-to-residential-finance-2016-book-thomas-a-morgan-9781535563338","title":"Loan Officer's Practical Guide to Residential Finance 2016","description":"This is the Updated 2016 Edition of the first book in the Practical Guide series for the mortgage industry. The July 2016 Version has been updated to meet the requirements of the TRID Rules, SAFE Act, CFPB, Dodd-Frank and many other changes. We have also made many of the changes recommended by Amazon readers and reviewers. With all of the changes in the industry, keeping this product up-to-date is a full time job. The book covers all of the vocational skills required of the loan originator, but also includes all Federal law, ethics, predatory lending and fraud components required by the Federal SAFE loan originator licensing Act of 2008. Published since 1992, and updated annually, this 390 page textbook was written as an answer to the sink-or-swim training methods of many mortgage firms. The format is designed to give the newly initiated loan officer\/agent, lender, processor, or other initiate the practical information they need to do the loan officer's job. The reader learns how to understand rate and point quotes, how to use a financial calculator, how to make basic computations customers require, how to understand loan programs and compare product features. The student progresses through understanding loan specifications - Conventional Conforming, Jumbo, FHA\/VA and Sub-Prime program guidelines - to a practical understanding of ratios, income, assets and closing costs, debts and credit history. This is then placed in the context of the loan application - how to collect all the required documents and disclosures and supervise a loan from application to closing. Beyond the basics, students learn how to finance various property types; condos, PUDs, new construction and investment property. A detailed chapter on refinancing addresses the issues which most often confront the loan officer in a period of heavy refinancing - 10 reasons to refinance. Finally, understanding how loans are made in the secondary market and the basics of interest rate quoting and behavior are covered. This product is submitted for approval for use in continuing education in all states which have, or are adopting, a requirement. Many companies use this product as a handout to prospective new loan officers. Many loan officers give this product to their referral sources to help educate them to the requirements of the industry.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":50389027914001,"sku":"CIN1535563338G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50671554855185,"sku":"CIN1535563338VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1535563338.jpg?v=1750894384"},{"product_id":"angel-river-falls-book-thomas-a-morgan-9781434858078","title":"Angel River Falls","description":null,"brand":"WoB","offers":[{"title":"- \/ - \/ -","offer_id":51311412674833,"sku":"","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ NEW \/ INGRAM","offer_id":51311414608145,"sku":"NIN9781434858078","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1434858073.jpg?v=1750794548"},{"product_id":"practical-guide-to-loan-processing-2019-book-thomas-a-morgan-9781089950646","title":"The Practical Guide to Loan Processing - 2019","description":"Most mortgage companies and referral sources correctly believe that they live and die based on customer service and service delivery. The loan originator is a big part of this, in that he or she is responsible for taking a good application to start with. But while the loan officer is the customer's representative, the processor ultimately has his or her hands on the loan file; only the processor can see the file as it progresses and fully understand the real-time status of a loan and work to move towards closing. Beginning in 2006, the mortgage industry began to experience an upheaval that would ultimately bring the financial system to its knees. This meant that many mortgage lenders, who previously could casually package loan applications, became forced to diligently meet the most stringent guidelines and documentation requirements seen since the late sixties. The capabilities necessary to meet these stringent documentation requirements come from a qualified mortgage loan processor who, in addition to an eye for detail, has the skills and knowledge that encompass the entire mortgage process.Despite years of automation improvements, the biggest problem mortgage companies report with respect to their operations is incomplete or problematic loan documentation. This is where the human factor in the application process impacts us, because we are relying on people - borrowers, real estate agents, closing agents and loan officers - to provide what we need to complete the loan. The reader learns the functions, challenges and career path of the processing position. Detailed, step-by-step instructions cover loan intake, loan file set-up, regulatory disclosure requirements, vendor management, file status reporting, borrower communication, file readiness determination, pre-underwriting review, working with automated underwriting, satisfying loan stipulations, pre-closing preparation, and file audit preparation. It's important to note that many textbooks address compliance in the mortgage industry. This text is not intended as a compliance resource. Compliance resources should come from your company since the company determines its own policies for compliance.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":52815821472017,"sku":"CIN1089950640G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ NEW \/ INGRAM","offer_id":53589151121681,"sku":"NIN9781089950646","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9781089950646.jpg?v=1764265759"}],"url":"https:\/\/www.worldofbooks.com\/en-gb\/collections\/author-books-by-thomas-a-morgan.oembed","provider":"World of Books ","version":"1.0","type":"link"}