Before you approve any advertising campaign, make sure it adheres to ethical and legal guidelines. When you hear “attack ad,” you probably think “political ad.” Although mudslinging political ads may be the most recognizable example of attack ads, these ads are commonplace in many industries, including among private lenders. Playing up your own company’s strengths [...]
Consider these insights for being your borrowers’ watchdog—and building your reputation as an ethical lender. Originating to foreclosed on is also known in the lending business as “loan to own.” Loan to own can be intentional, or it can be accidental. Regardless, it’s bad business. Intentional loan to own typically occurs because the asset in [...]
The private lending industry of today can trace its near-exponential growth over the past decade back to government regulation. Regulation of parallel industries, that is. Strictures that have reined in traditional institutional lending practices have largely benefited private lenders, spurring borrowers to come knocking at the door. Private lenders have, for the most part, operated [...]
Bait-and-switch lending is one of the most significant ethical challenges private lenders face today. There are more lenders now than there were just a few years ago, and the lending environment has become hypercompetitive in many markets. Most borrowers are looking at multiple lending programs and shopping for lower rates, better terms, and lower fees, [...]
As 2020 closes, any reflection of the past months reaches the same conclusion: This. Year. Has. Been. Hard. The thing that’s held us together is that regardless of what’s going on in the wider world, we know our members and the industry count on us to keep going. Especially during the coronavirus crisis, we have [...]
Private lenders can be more vulnerable to unintentional redlining than other financial institutions. In light of current events in our country, it is important to address redlining. Although against the law, redlining happens due to inherent biases by lenders and the commonalities that most borrowers in primarily minority neighborhoods share. What Is Redlining? According to [...]
Visit aaplonline.com/ethics for more on our Code of Ethics Mike Hanna, Managing Partner, Investmark Mortgage, LLC “Bait and switch” lending and truth in advertising are the top ethical challenges in the marketplace today. There are more lenders now than there were just a few years ago, and the lending environment has become hypercompetitive in some [...]
AAPL can help you identify scammers and offers important tips for curtailing their activity. “Hello, you’ve reached the American Association of Private Lenders. How can I help you?” “Hi, I don’t know if I’m calling the right place, but I found you online and was wondering if you could help me. I wanted to check [...]
Partnering with VCheck Global emphasizes credibility of members The American Association of Private Lenders (AAPL), the only national organization dedicated to excellence in private real estate lending, announced a new partnership with VCheck Global at AAPL’s 2018 Annual Conference State of the Association, which took place at Caesars Palace, Nov. 4. “VCheck Global offers a [...]
It is important for all lenders to know that there is no such thing as preventing fraud or being fraud-proof. To think you are fraud-proof opens you up to lax behavior and ultimately, puts you at greater risk. What we can do as lenders, is think about how to be fraud-resistant, and thereby remain vigilant [...]
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Nominations are open until August 30, 2025, with voting from September 9-30, 2025. We’ll announce recipients at our Annual Conference.
Member of the Year (MOTY): This award goes to a member based on their deep expertise, unique value, and strong commitment to clients and the industry.
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See past award winners, award rules, and participate in the 2025 nomination and voting process here.
Grand Prize – Custom Championship Belt & VIP Admission to Power Room event in St. Augustine, FL (February 27th – March 1st, 2023)
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3rd Place – 1 year AAPL Individual Membership