>	A Flexible Alternative MTA payment-option ARMs offer choices for many kinds of borrowers by Lisa Schreiber, executive vice president, American Brokers Conduit 10/2005
>	Fighting Fraud A combination of collateral assessment and AVMs can maximize mortgage-fraud management by Steve Schroeder, chief executive officer, C&S Marketing 10/2005
>	Realizing the American Dream Despite criticism of alternative lending products, U.S. homeownership is at an all-time high by John M. Robbins, chairman and chief executive officer, AmNet Mortgage Inc. and American Mortgage Network 10/2005
>	Nonprime Finds Its Time As homeowners change, nonprime loans are coming into their own by Erik Anderson, president, Merit Financial 10/2005
>	Position Yourself for Success Brokers should focus on industry trends and hone strategies to prepare for tomorrow's market by Debbie Rosen, managing director, Countrywide, America's Wholesale Lender 10/2005
>	5 Ways to Win For excellent customer service and profitability, how you treat employees matters by Shawn Butterworth, senior vice president for human resources, EquiFirst 10/2005
>	RESPA: Round Three Pay attention to the RESPA fight or get smacked in the face by Adam L. Stein, president, American Brokerage LLC 10/2005
>	Want to Be a Multi-State Broker? With varying requirements in each state, achieving several mortgage-broker licenses is like herding cats by Michael James Riley, real estate broker and owner, ShadowCrest Realty and Funding Group 10/2005
>	Get Smart Brokers can gain a competitive edge with continuing education and professional development by Kamran Khosravi, president, American Guardian Home Loans 10/2005
>	Your Strength is in Your Follow-Through Better your chances of closing more loans by keeping up with your appraiser by Brian Blanchard, chief operations officer, PROvalUSA.com 10/2005
>	Legislating Licenses As state licensing requirements evolve, mortgage professionals are feeling the impact by Sentell F. Barnes, director of governmental affairs, TrainingPro 10/2005
>	Envisioning Your Future Visualizing success can help mortgage professionals achieve their goals by Rick Troutman, founder and president, HispanicLending.com 10/2005
>	Maximize Your Marketing Keeping up with past clients while reaching out to new ones will keep you prepared by Brandon Jewkes, senior vice president of sales, Trust One Mortgage 10/2005
>	Customer Service: A Lost Art Turn negative situations into positive ones to enhance customer satisfaction by Jim L. McIntosh, operations manager, Blarney Stone Funding Inc. 10/2005
>	Connecting by Phone Listening and building rapport are key when using the most powerful sales tool - the telephone by Ken Ball, senior loan officer and mortgage planner, GT Capital 10/2005
>	Failing Forward If you embrace and learn from your failures, you'll win the sales game by Brian S. Wallace, director of training, Silver Hill Financial LLC 10/2005
>	The Lighter Side of Lending: Technological Matters New advances have made the mortgage industry more complicated in the past 50 years by Gordon Schlicke, mortgage trainer 10/2005
>	Creating Customers for Life Offering extended services keeps customers coming back by Joseph Corno, president, We Be Consulting and Seminars 10/2005
>	Help Wanted? Look to local high schools and colleges to find a well-qualified assistant by Mark Boersma, president, Synergy Solutions Inc. 10/2005