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Posts by Samuel E. Oliver III (Sam)

VP Sam Oliver

VP Sam Oliver

Sam Oliver joined Freddie Mac in October 1992. He currently holds the position of Vice President – Loan Advisor SuiteSM. His current responsibilities include leading the product development and product management functions for the Loan Advisor SuiteSM, Freddie Mac’s new end-to-end technology solution for loan production. This work also includes co-chairing Freddie Mac's effort to support and implement the industry-wide Uniform Mortgage Data Program®. Prior to his current assignment, Sam held a variety of program, product, and project leadership positions within Freddie Mac across the loan acquisition, loan servicing, securitization, and capital markets businesses.

Electronic Loan Documents Encourage Efficiency, Ease Anxiety

Ask consumers who've gone through the mortgage closing process in recent years what they found most frustrating about it, and their answers probably wouldn't surprise you.

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Data Standardization Plays a Key Role in the Housing Finance System

With the full adoption of the Uniform Loan Delivery Dataset (ULDD) today, Freddie Mac reaches a critical milestone of the Uniform Mortgage Data Program (UMDP) – the joint-GSE initiative to improve loan quality through consistent and standardized data. With the ULDD and the Uniform Appraisal Dataset (UAD) now in use, lenders nationwide are using a "common language" for the loans and appraisals they deliver to Freddie Mac and Fannie Mae. This is the culmination of several years of hard work, investment, and planning across the industry that we could not have accomplished without the collaboration and partnership of our customers, vendors, and appraisers.

Standardizing data across the entire loan manufacturing process through the UMDP has far-reaching benefits. At Freddie Mac, we are already seeing improved data quality and enhanced risk management capabilities. The UAD has enabled appraisers to provide consistent descriptions of the subject and comparable properties, resulting in far greater clarity in appraisal reports. This, in turn, gives lenders greater confidence in the appraisal data they receive, regardless of where the property is located or who is doing the appraisal. Ultimately, this will help lenders and investors reduce collateral-related risks because it's now possible to evaluate the appraisals against standards and property trends.

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