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Banker & Tradesman Editorial Cartoon (posted Yesterday at 7:00am)
Best seats in the house.

Are You Structuring The Best Commercial Loan Deal Possible? (posted Yesterday at 7:00am)
Recall a recent commercial loan you structured. What would have enabled you to structure a better deal for your financial institution, and for your client? The decision to issue a loan to a prospective borrower is not solely based on the stand-alone risk of the customer or the specific transaction. Understanding the current risk, borrowing limits, exposure and collateral values for each counter party within the customer’s borrowing group, and across your portfolio, empowers deal makers.

When Short Sales Leave Sellers Short (posted Yesterday at 7:00am)
Are large numbers of homeowners who have negotiated short sales with lenders at risk because of a startling omission in the American credit system? Do their credit reports and scores indicate that they were foreclosed upon, rather than having negotiated a mutually agreeable resolution with their lender?
Congratulations (posted Yesterday at 7:00am)
In this issue of Banker & Tradesman, we have selected 13 people who have done amazing work in the world of community banking. In choosing the winners of the annual Community Bank Heroes awards, the Banker & Tradesman editorial board sought community bankers who stood out from their peers. It was not an easy task, and we couldn’t be more delighted at how hard the selection process was.

Financing Key To Wachusett Mountain Ski Area’s Growth (posted 05/12/13 at 3:00am)
In the early 1980s, the Crowley family’s ski business was skidding down the slopes toward financial disaster. Under the helm of chairman Ralph Crowley Sr., Wachusett Mountain Ski Area in Princeton had just undergone an ambitious, $12-million expansion that included development of new trails and construction of a base lodge.
It’s A New Real Estate World For Agents (posted 05/12/13 at 3:00am)
Max Vigliotti went to the South Boston open house armed with four pre-approvals. A couple of the pre-approvals allowed his buyer to make an offer in excess of the listing price. What the full-time agent and Southie resident didn’t figure was that the bidding would get so crazy for the condo, the final price would go beyond any of the preapprovals.

The Rise Of ‘Pocket Listings’ (posted 05/12/13 at 3:00am)
How hot is hot when it comes to housing markets across the country right now? Crazy hot: Some houses sell within days, sometimes within hours, of listing. Then there are the growing numbers that sell even before they formally hit the market – sold through a controversial technique known as “pocket listings.”
A Housing Bubble? (posted 05/12/13 at 3:00am)
If you haven’t noticed it yet, home prices are rising – and rising fast. Nationally, home prices increased 5.1 percent in March, according to real estate data firm Zillow. In Massachusetts, the median price for single-family homes sold in March rose more than 8 percent, to $285,000, versus a year earlier. It was the sixth consecutive month that home prices have increased year-over-year.
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