>	Heed the Alarm With legislation on the horizon, it's time for brokers to demand more accountability by John Long, attorney 12/2005
>	Consider the Alternatives Loans that allow various documentation types can meet the evolving needs of clients by Jay Jang, executive vice president of secondary marketing, CoreStar Financial Group 12/2005
>	Built by Owner With do-it-yourself homebuilding becoming more popular, you can help clients fund their own projects by Jeff Lammers and Bob O’Mara, co-founders and principals, Marketrend Mortgage Network LLC 12/2005
>	ARMs: When to Hold Them, When to Fold Them Increased scrutiny of the monthly ARM may be a result of presentation, not the product itself by Paul Smoot, senior vice president, national sales manager of residential lending, BankUnited 12/2005
>	A Step Beyond AVMs Appraiser-assisted valuation tools can amp up report quality by Jon-Paul Bell, marketing director, Landmark Valuation Solutions 12/2005
>	Funding Fixes Streamline(K), a modification of HUD's 203(k) program, can help tackle loans for repairs and rehabs by Mel Levine, executive vice president, AmericaOne Finance Inc. 12/2005
>	Branching Out Want to transition to banking through a net-branch office? Consider the benefits by Gil Holloway, marketing and recruiting consultant, Benchmark Mortgage 12/2005
>	40: The New 30 Some nonprime lenders are offering longer-term mortgages to keep up with market conditions by Brandie Young, vice president of marketing, WMC Mortgage Corp. 12/2005
>	Ways to Increase Realtor Referrals Learn to work successfully with real estate agents to boost business by Bliss Sawyer, president, Mortgage Marketing Strategies 12/2005
>	Direct Marketing: Looking Forward Using the proper techniques will help brokers keep up in 2006 by Richard Scolio, president, MarketerNET 12/2005
>	Fear Not the 'Bubble' Follow these tips to keep loan officers motivated in this potentially uncertain market by Ronnie da Motta, president, First Security Lending 12/2005
>	The Grass is Greener -- Or is It? Considering switching companies? Here are some factors to keep in mind by Brian S. Wallace, first vice president, national training manager, HSBC Mortgage 12/2005
>	The World of Processing Understanding all the steps helps brokers properly complete loan applications by Marian DeBonis, owner and mortgage trainer, CyberSpace Financial 12/2005
>	A Constant Cycle Effective mortgage-origination marketing starts with communication by Brent Duncan, adjunct professor, University of Phoenix School of Business and Management 12/2005
>	The Recipe for Success A little bit of this and a little bit of that -- combining all ingredients will help your company succeed by Manuel V. Sicre, president and CEO, BlueTrust Capital LLC 12/2005
>	The Lighter Side of Lending: The Rap on Apps Work patterns, credit reports, assets and more -- do we really need all that on the 1003? by Gordon Schlicke, mortgage trainer 12/2005
>	Time to Win As 2005 comes to a close, focus on your accomplishments and plan for the coming year by Bill Sparkman, The Coach 12/2005
>	Staying in Touch Regular contact is key if you want to get new business from old clients by Tom Hopkins, author of How to Master the Art of Selling 12/2005
>	Conflict: What to Avoid When faced with problems, many turn to ineffective resolution techniques by Kevin Boileau, CEO, BPI Consulting Group Inc. 12/2005
>	Sales Training: 4 Myths Move beyond the myths to position yourself as a sales expert by Dave Hershman, director, OriginationPro Mortgage School 12/2005
>	Go Low-Tech For brokers, sales success can hinge on the right questions and tools by George Ludwig, author of Power Selling 12/2005
>	10 Steps to a Strong Follow-Through To create leads, form groups, encourage investments, get sales support and more by Mark Boersma, president, Synergy Solutions Inc. 12/2005
>	The Principles of PR Direct-response public relations can help mortgage brokers attract customers' attention by Bryan Thompson, founder, Press Release Writing Online 12/2005