>	Stating Its Case Mortgage fraud is on the rise -- here's how one state is trying to circumvent it by Rebecca Jacobsen, assistant attorney general, Washington state Attorney General's Office 1/2006
>	From the Top: January 2006 Inside this month's Scotsman Guide by Geary Britton-Simmons, chairman of the board 1/2006
>	Q&A: Jim Nabors Chairman, National Association of Mortgage Brokers by Melinda Young, associate editor 1/2006
>	Define This: January "Hard money" can mean different things to different people. We asked our readers how they define it. by 1/2006
>	Survey Says: January We asked our readers: "Do you see your business picking up or slowing down in 2006? Why?" by 1/2006
>	Tip of the Month: January 2006 Delegate by Peter Samuel Cugno, chairman and CEO, Secret University 1/2006
>	MI, Oh My Lender-paid mortgage insurance can define your unique selling proposition by Jack Long, marketing-program director, MGIC 1/2006
>	Beyond the 6 Myths of Credit Understanding the realities of credit-scoring is essential to helping clients by Jeff Lau, director of marketing, Informative Research 1/2006
>	Rural Housing: An Untapped Market Select low-population markets offer new opportunities under a USDA loan-guarantee program by Roger Glendenning, director, USDA Rural Development Single-Family Housing Guaranteed Loan Division 1/2006
>	A New Kind of Mortgage ITIN home loans can help undocumented immigrants realize the American dream by Rick Troutman, CEO and founder, HispanicLending.com 1/2006
>	'Whole' in One Brokers can benefit from working with wholesalers that have centralized operations by Richard Payne, president of the wholesale division, The New York Mortgage Co. LLC 1/2006
>	The Other Side The time is ripe to get into brokering commercial mortgages by Joe Mardesich, president, National Apartment Finance Inc. 1/2006
>	Automation in Motion By automating procedures in warehouse lending, companies can save time and money by Michelle Carrelli, finance manager, The Pinnacle Companies 1/2006
>	How to Save Time An internal reference manual can help you and your loan officers find information quickly by Todd Zurik, senior loan officer and training manager, Landover Mortgage 1/2006
>	The Return of an Old Friend Loans with mortgage insurance are making a comeback by Ron Monaco, account executive, Mylor Financial 1/2006
>	Picking Apart Pricing If you're aware of a number of funding costs, pricing loans will no longer be a mystery by Manuel V. Sicre, president and CEO, BlueTrust Capital LLC 1/2006
>	Reverses Meet Some Seniors' Needs Mortgage products' worth comes down to value and benefits by Philip E. Lipp, president, Allwest Mortgage 1/2006
>	Start the Year with Success If you play your cards right, January can be your busiest month of the year by Bliss Sawyer, president, Mortgage Marketing Strategies 1/2006
>	A New Year, a New Me 2006 is a perfect time to buckle down and become the successful salesperson you know you are by Brian S. Wallace, first vice president, national training manager, HSBC Mortgage 1/2006
>	Cost of Conflict Trouble among employees? It can cost companies time and money by Kevin Boileau, CEO, BPI Consulting Group Inc. 1/2006
>	Now Presenting ... Develop dynamic presentation skills to engage your audience and to create more business by Don Currie, senior vice president, Impac Lending Group 1/2006
>	Take Charge of Your Leads Brokers can build business from within with internal lead-generation by Greg Kazmierczak, founder, LowerMyPayment.com 1/2006
>	Annual Review Time? Go Virtual Virtual annual client reviews can add value to your services and help retain more clients by Jim Enright, partner, Lenders Insight 1/2006
>	The Key to Networking: Getting Leveraged Strong business relationships are built through strong marketing strategies by Louis Weiss, founder and owner, WebFast Consulting 1/2006
>	The Lighter Side of Lending: What Are We? Many of us are correspondent settlement service providers at heart by Gordon Schlicke, mortgage trainer 1/2006