What Is Real Estate Tax Tracking?
What is real estate tax tracking? Sometimes called real estate tax servicing, it is the function built to confirm taxes get paid on time, on every parcel securing a loan,…
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HUB Financial Services Compliance Update: GSE Servicing Guidelines
Following Spring 2026 announcements, the HUB Financial Services (HFS) compliance team provided clients with a deeper analysis of the Fannie Mae and Freddie Mac updates to property insurance requirements and condominium project standards. With…
What Is ALCO in Banking? Asset Liability Committee Guide
Understanding ALCO in Community Banks starts with what problem it exists to solve: a bank’s assets (loans and investments) and its liabilities (deposits and borrowings) do not naturally move together,…
Blanket Insurance vs. Lender-Placed Insurance: What’s the Difference?
Lender-placed insurance and blanket insurance both serve to protect a lender’s interest in collateral. While there are many differences between the two coverages, one of the primary distinctions is what…
Blanket Bonds: Fraud Solutions for Banks and Credit Unions
The FDIC just issued a Threat Spotlight Special Alert as part of their Division of Risk Management Supervision (RMS) / Cyber Fraud and Financial Crimes Section. It included a warning…
Who’s Grading Your Insurance Company? Why Carrier Ratings Matter
I received a request to explain carrier ratings, so that is our next topic! (I love requests, so reach out to me at michelle.mcarthur@hubinternational.com if there’s an insurance term you…
Case Study: Employee Benefits Cost Reduction Without Switching Carriers
Learn how a major employer reduced the cost of employee benefits without switching carries or cutting perks.
Mortgage Impairment Insurance: A Simple Overview for Lenders
Mortgage impairment insurance is a specialized form of coverage designed to protect lenders when something goes wrong with originating or servicing a mortgage due to an error, oversight, or breakdown…
Why Do Lenders Need Property Tax Tracking Services? 3 Things to Know
Property tax tracking services are a function that tends to be underestimated until something goes wrong. For community banks, credit unions, and mortgage servicers, we increasingly see that moment arrive as a compliance finding or a missed tax-sale…
Collateral Protection Insurance (CPI) Explained: Coverage, Premiums and More
When a borrower lets their auto or equipment insurance lapse, the lender’s collateral sits exposed. For portfolios with thousands of indirect auto loans or equipment contracts, the dollar exposure compounds…