The Quick Calculus of Sound Mortgage Lending; Calculating the Net Tangible Benefit of Every Loan for Every One of Your Borrowers is the Smart Way Forward for the Origination Business (Origination Strategies‪)‬

If you have been keeping up with the media and regulatory happenings regarding the mortgage industry, you may have heard a lot of talk about a concept referred to as net tangible benefit (NTB). Everyone is trying to figure out how to determine whether a loan is good or bad for a borrower. * As mortgage professionals, it is our primary responsibility to see that our clients receive a loan that truly benefits them in every way possible. This is paramount to everything we do. Had this responsibility been our primary focus in recent years, I believe many of the loans that are in foreclosure today would not be.