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It can also cost you an audit by the Quality Assurance Division or HUD’s Office of Inspector General, a Credit Watch or Direct Endorsement authority termination. These are all potentially expensive propositions that could seriously impact your operations and production. First, what sampling does FHA require from a loan originator? You can read chapter and verse in the Lender Approval Handbook 4. REV- 2 Chapter 7. The short version is that lenders originating less than 3,5. If you originate over that number it is either a 1. The contents of this report are being. 1 Please note that a complete mortgage. Notice of Right to Cancel (may not find with purchase money loans) ONLY 1.Regardless of how many loans are originated in a year, all lenders are required to review all loans that go into default (yes, that’s 1. I am constantly amazed at how many lenders are unaware of this requirement. In other words, if a borrower does not remit one of the first six payments after loan closing on time, the loan is considered delinquent.
If the delinquency remains for 6. If the loan remains in default, you do not need to QC the file again the next month. But it is critical that you maintain your records in such a way that you can prove that you are doing the 1. EPDs if asked during an audit. So if you have originated less than 3,5. EPDs? The short answer is no. Not only is this not compliant with the Handbook, but it is not at all an effective way to do QC sampling. The FHA Handbook has a listing of the . While this may seem vague on its face, the bottom line is that if your QCP says that you will attain this variety in your sampling, and the results of your review proves that you are making an effort to ensure this coverage, then you will likely pass a review by the OIG or Quality Assurance Division. We provide customizable mortgage policy and procedures templates. 1-10-14 HPML Appraisal Policy for Non-QM loans. Audit programs, audit resources. Audit Templates; Audit Bookstore; About; Training; Resource Links; Newsletter; Technology; Audit Library. Allowance for Loan and Lease Losses. Provisions for Individual Classified Loans. Filing a significantly inaccurate report of condition may also subject the. If need be, develop a spreadsheet with the names of your loan officers, underwriters, TPOs etc. If this happens your sampling methodology is not random at all, but it must focus on the problem identified. How many or what percentage of loans you review in this step is not specifically defined in the Handbook. Our suggestion is to review enough files based upon the pattern so that in the end you feel confident you have identified the extent of the problem. For example, during a regular QC review you discover that a loan officer has teamed with a real estate agent and developed a way to falsify income documents. Identifying and rating credit risk is the essential first step in managing it effectively. The next logical step is to pull all of that loan officer’s files and see how many involve that real estate agent. Now you hopefully have properly scoped out the potential population. Your next steps should be to complete an in- depth review of that selected sub- set of files to determine if fraud occurred in those loans. Most likely you have internal reports to complete the closed loan sampling every month. FHA’s Neighborhood Watch (NW) has a variety of reports you can use to identify other required areas (such as branch office performance, TPO origination and performance etc.) but most importantly, NW has the EPD report of loans that are 6. This report gives you the must have, 1. If you sell loans servicing released, your servicer may be providing this report, but our recommendation is not to rely upon receipt of that information from the servicer. Staff in FHA and the HUD OIG have access to the NW reports and will use them to identify your EPD loans and when on- site, will expect to see evidence that you have reviewed 1. QC reviews. The FHA and all of the other regulators require sound quality control, and you should never treat this requirement casually. Getting it right requires lenders to be proactive in identifying problems and fixing them as soon as possible. At the end of the day, successful lenders will approach these requirements not as costs but as essential tasks, as part of a comprehensive risk management framework that also protects their revenue and reputation. For more information on FHA compliant QC Plans, their implementation and Neighborhood Watch monitoring and analysis, contact me at The Collingwood Group at kgarner@collingwoodllc. The views and opinions expressed on this channel are those of the author and do not necessarily reflect the views of Mortgage News Daily. What is Template Analysis? The data involved is usually in the form of interview transcripts, however this may be any kind of textual data, including diary entries, text from electronic interviews or open- ended question responses on a written questionnaire.
Template analysis involves the development of a coding . Hierarchical coding is emphasised, using broad themes such as . Analysis often starts with some a priori codes, which identify themes strongly expected to be relevant to the analysis. However, these codes may be modified or dispensed with if they do not prove to be useful or appropriate to the actual data examined. Once any a priori themes are defined, the first step of the analysis is to begin reading through the data, marking in some way any segments that appear to tell the researcher something of relevance to the research question(s). Where such segments correspond to a priori themes, they are coded as such. Otherwise, new themes are defined to include the relevant material and organised into an initial template, which is normally undertaken after initial coding of a sub- set of the data, for example, after reading through and coding the first three of 1. This initial template is then applied to the whole data set and modified in the light of careful consideration of each transcript. Once a final version is defined, and all transcripts have been coded to it, the template serves as the basis for the researcher’s interpretation or illumination of the data set and the writing up of findings. Philosophical position. Qualitative Research Protocol Template with example Tools and SOPs. This protocol template with example study documents and SOPs was prepared by ACT Consortium Social. Observation is a systematic data. Researchers may be interested in creating or using a template to guide a. Basic Concepts for Qualitative Research. Before carrying out any research project, the researcher should have a clear idea of the philosophical position the work is coming from. In most quantitative research, however, the assumptions and prescriptions of the hypotetico- deductive approach are taken for granted, as are their implications for research design and methods of data analysis. A psychologist writing up an experimental study is unlikely to feel the need to philosophically justify the use of a control group or the appropriateness of using confirmatory statistical tests to make judgements about causality. In contrast, qualitative research encompasses a range of philosophical positions that have differing implications for how research should be carried out and how data should be analysed. It is therefore important for qualitative researchers to carefully consider the philosophical stance of their work. In order to make clear why template analysis should or should not be used in particular ways, below is presented a short discussion on three key terms: epistemology, methodology and method. Epistemology. Epistemology refers to the assumptions we make about what it is possible for us to know and how we can obtain this knowledge. A key area of epistemological debate in qualitative research is the extent to which any method can provide access to the personal world of the research participant. Methodology. Methodology refers to the general approach taken to carrying out a piece of research. Analytical induction (Johnson, 1. Interpretive Phenomenological Analysis (Smith, 1. Willig, 2. 00. 1) may all be seen as methodologies. Method. Method refers to the particular techniques used to collect and analyse data. Narrative interviews, semi- structured interviews, repertory grids, participant observation and the use of pre- existing texts can all be used as qualitative methods of data collection. In terms of how these concepts relate to each other, we can see a hierarchy whereby epistemological assumptions shape methodological approaches, which in turn inform the choice of method. The relationships are not wholly deterministic, especially not that between methodology and method. For example, a relativist epistemological position underlies several methodological approaches including discursive psychology, Foucauldian discourse analysis and Q- methodology, which might use a number of different methods of data collection, ie interviews, recordings of . The method choice of data analysis needs to be guided by the methodological position of a piece of research and its underlying epistemological assumptions. Qualitative definition, pertaining to or concerned with quality or qualities. Some analytical methods are directly linked to particular methodologies, thus if you are using classical grounded theory you will necessarily employ the sequence of open and axial coding it specifies. Other methods may be used within a variety of methodologies, but precisely how they are used will differ from one to another. Template analysis falls into this latter category, it can be employed to analyse any form of textual data from many but not all methodological and epistemological positions. It can be used in research that takes a similar realist position to mainstream quantitative psychology, in seeking to . In contrast it can also be used within a . If you were using template analysis to analyse data from a realist- oriented study, you would need to be concerned with the reliability of the coding process, visit the technique: quality checks and reflexivity for further information. Also, it is likely that you would include quite a few a priori codes, reflecting areas highlighted in advance as important to addressing your research question, visit the technique: themes and codes section for further information. If you had taken a contextual constructivist position, you would want to find ways of examining issues of reflexivity and the nature of the researcher- participant relationship. You would also need to use the technique in a flexible way, that helped you to consider multiple interpretations of the data, and discouraged you from closing down to one. Qualitative research - Wikipedia. Qualitative research is a method of inquiry employed in many different academic disciplines, including in the social sciences and natural sciences, but also in non- academic contexts including market research, business, and service demonstrations by non- profits. The aim of qualitative research may vary with the disciplinary background, such as a psychologist seeking to gather an in- depth understanding of human behavior and the reasons that govern such behavior. Qualitative methods examine the why and how of decision making, not just what, where, when, or . Qualitative research is popular among political science, social work, and special education and education searchers. In the conventional view of statisticians, qualitative methods produce information only on the particular cases studied (e. It may begin as a grounded theory approach with the researcher having no previous understanding of the phenomenon; or the study may commence with propositions and proceed in a scientific and empirical way throughout the research process (e. Bogdan & Taylor, 1. As a whole, quantitative methods have relative inflexibility. Qualitative methods are usually more flexible, allowing more naturalness and acclimatization for the interaction and collaboration between the researcher and the participant. History. These researchers embraced a qualitative research paradigm, attempting to make qualitative research as . Of course, such developments were necessary as qualitative researchers won national center awards, in collaboration with their research colleagues at other universities and departments; and university administration funded Ph. D. s in both arenas through the ensuing decades. Most theoretical constructs involve a process of qualitative analysis and understanding, and construction of these concepts (e. Wolfensberger's social role valorization theories). In the late 1. 98. Throughout the 1. National Institute on Disability Research and Rehabilitation (NIDRR) of the US Department of Education (e. Rehabilitation Research and Training Centers for Family and Community Living, 1. Also, during this time, researchers began to use mixed- method approaches, indicating a shift in thinking of qualitative and quantitative methods as intrinsically incompatible. However, this history is not apolitical, as this has ushered in a politics of . Qualitative methods are used in various methodological approaches, such as action research which has sociological basis, or actor- network theory. The most common method used to generate data in qualitative research is an interview which may be structured, semi- structured or unstructured. Other ways to generate data include group discussions or focus groups, observations, reflective field notes, texts, pictures, and other materials. The data may be categorized and sorted into patterns (i. In participant observation. In doing so, the aim is for the researcher to gain a closer insight into the culture's practices, motivations, and emotions. It is argued that the researchers' ability to understand the experiences of the culture may be inhibited if they observe without participating. This step in a theoretical analysis or data analytic technique is further worked on (e. An alternative research hypothesis is generated which finally provides the basis of the research statement for continuing work in the fields. Some distinctive qualitative methods are the use of focus groups and key informant interviews, the latter often identified through sophisticated and sometimes, elitist, snowballing techniques. The focus group technique (e. Morgan, 1. 98. 8). This method is a particularly popular in market research and testing new initiatives with users/workers. The research then must be . Survey items are piloted on study participants to test the reliability and validity of the items. This approach is similar to psychological testing using an intelligence test like the WAIS (Wechsler Adult Intelligence Survey) in which the interviewer records . Qualitative research is often useful in a sociological lens. Although often ignored, qualitative research is of great value to sociological studies that can shed light on the intricacies in the functionality of society and human interaction. There are several different research approaches, or research designs, that qualitative researchers use. This is often called the mixed- method approach. Ethnographic Research. An example of applied ethnographic research is the study of a particular culture and their understanding of the role of a particular disease in their cultural framework. Grounded Theory is an inductive type of research, based or . It includes the study of ethics as related to obligation, rights, duty, right and wrong, choice etc. Social Science and Governmental Research to understand social services, government operations, and recommendations (or not) regarding future developments and programs, including whether or not government should be involved. Activist Research which aims to raise the views of the underprivileged or . Historical research helps us in answering questions such as: Where have we come from, where are we, who are we now and where are we going? Visual Ethnography. It uses visual methods of data collection, including photo, voice, photo elicitation, collaging, drawing, and mapping. These techniques have been used extensively as a participatory qualitative technique and to make the familiar strange. Most coding requires the analyst to read the data and demarcate segments within it, which may be done at different times throughout the process. When coding is complete, the analyst prepares reports via a mix of: summarizing the prevalence of codes, discussing similarities and differences in related codes across distinct original sources/contexts, or comparing the relationship between one or more codes. Some qualitative data that is highly structured (e. In these cases, codes are often applied as a layer on top of the data. Quantitative analysis of these codes is typically the capstone analytical step for this type of qualitative data. The most common form of coding is open- ended coding, while other more structured techniques such as axial coding or integration are described (Strauss & Corbin, 1. These programs do not supplant the interpretive nature of coding but rather are aimed at enhancing the analyst. Many programs offer efficiencies in editing and revising coding, which allow for work sharing, peer review, and recursive examination of data. The university goals were to place such programs on computer mainframes and analyze large data sets which is not easily conducted past 1,0. Common Qualitative Data Analysis Software includes: A frequent criticism of coding method by individuals from other research tracks is that it seeks to transform qualitative data into empirically valid data, which contain: actual value range, structural proportion, contrast ratios, and scientific objective properties; thereby draining the data of its variety, richness, and individual character. Analysts respond to this criticism by thoroughly expositing their definitions of codes and linking those codes soundly to the underlying data, therein bringing back some of the richness that might be absent from a mere list of codes. Recursive abstraction. A common method here is recursive abstraction, where datasets are summarized; those summaries are therefore furthered into summary and so on. The end result is a more compact summary that would have been difficult to accurately discern without the preceding steps of distillation. A frequent criticism of recursive abstraction is that the final conclusions are several times removed from the underlying data. While it is true that poor initial summaries will certainly yield an inaccurate final report, qualitative analysts can respond to this criticism. They do so, like those using coding method, by documenting the reasoning behind each summary step, citing examples from the data where statements were included and where statements were excluded from the intermediate summary. Coding and . At their most basic level, numerical coding relies on counting words, phrases, or coincidences of tokens within the data; other similar techniques are the analyses of phrases and exchanges in conversational analyses. Often referred to as content analysis, a basic structural building block to conceptual analysis, the technique utilizes mixed methodology to unpack both small and large corpuses. Content analysis is frequently used in sociology to explore relationships, such as the change in perceptions of race over time (Morning 2. Evans, et al. One such scenario is for datasets that are simply too large for a human to effectively analyze, or where analysis of them would be cost prohibitive relative to the value of information they contain. Another scenario is when the chief value of a dataset is the extent to which it contains . Many researchers would consider these procedures on their data sets to be misuse of their data collection and purposes. A frequent criticism of mechanical techniques is the absence of a human interpreter; computer analysis is relatively new having arrived in the late 1. And while masters of these methods are able to write sophisticated software to mimic some human decisions, the bulk of the . Analysts respond by proving the value of their methods relative to either a) hiring and training a human team to analyze the data or b) by letting the data go untouched, leaving any actionable nuggets undiscovered; almost all coding schemes indicate probably studies for further research. Data sets and their analyses must also be written up, reviewed by other researchers, circulated for comments, and finalized for public review. 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