Radian On Air

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.

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 demystify the concept of Interested Party Contributions (IPCs). We examine what IPCs are, the potential interested parties, and how they are defined and regulated by Fannie Mae and Freddie Mac. Additionally, we delve into some real-world scenarios to demonstrate the application of IPCs in mortgage transactions.The relevance of IPCs in mortgage transactionsWho are the potential interested parties in IPCs?Fannie Mae and Freddie Mac’s guidelines on IPCsLimits to IPCs: occupancy type and Loan-to-Value (LTV) ratioReal-world loan scenarios involving IPCsResources: Fannie Mae Selling Guide: B3-4.1-02, Interested Party Contributions (IPCs) (08/04/2021)Freddie Mac Selling Guide: 5501.5, Interested party contributionsSign 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.

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.