>	The Case for National Reform As the mortgage industry becomes more entangled in state regulations, it might be time for a strong federal stance by Douglas L. Davies, partner, and Bruce Volbeda, summer associate, Lane Powell PC 11/2006
>	From the Top: November 2006 by Geary Britton-Simmons, chairman of the board 11/2006
>	Q&A: Steve Zeisel Senior Counsel, Consumer Bankers Association by Melinda Young 11/2006
>	Spotlight: San Francisco (Residential Market) by Ivanna C. Sukkar 11/2006
>	Helping Hands: John McElhone Each month, Helping Hands features a mortgage professional or group that has volunteered to lend a hand to others in need by Ivanna C. Sukkar 11/2006
>	Tip of the Month: November 2006 Know why credit scores drop by Cindi Moore, Coast-to-Coast Credit Repair 11/2006
>	Trends: Condo Cruise Ships by Melinda Young 11/2006
>	Scotsman's Guide to the 2006 Western Regional Mortgage Brokers Conference by Scotsman Guide editorial staff 11/2006
>	Safeguarding Against Fraud Brokers can take a tighter stance on fraud by focusing on ethics by Tricia M. Bailey, president, BrooksAmerica Mortgage Corp. 11/2006
>	Time to Get Educated Education is the key to success and to customer satisfaction in today's mortgage industry by Sam Marzouk, president, Argent Mortgage Co. 11/2006
>	Find the Right Warehouse Fit When making the broker-to-banker transition, ask questions to choose the proper warehouse lender by Rick S. Beardsley, assistant vice president and senior relationship manager, Popular Warehouse Lending LLC 11/2006
>	4 Keys to Commercial Closings When working on commercial transactions, residential brokers can open doors to a successful closing by R. Kymn Harp, partner, Arnstein & Lehr LLP 11/2006
>	Stop Fraud Before It Starts Automated tools can help stop the mortgage-fraud epidemic in its tracks by Gayle Shank, vice president of industry relations, Interthinx 11/2006
>	Farewell to ARMs? Not So Fast Used correctly, pay-option ARMs can help your borrowers build wealth by Scott Hastings, director of marketing and distribution, CHL Direct 11/2006
>	RESPA: Time for Action With reform on the horizon, mortgage brokers should stand up for their rights by Jim Bulger, president, Pennsylvania Association of Mortgage Brokers 11/2006
>	A New School of Thought on Investing Help your investor clients understand how to build wealth using option ARMs by D. Jed Wunderli, branch manager, Meridias Capital 11/2006
>	Watching the Asian-American Market Mortgage brokers who tap into this steadily growing community can see strong returns by Jim Park, president and CEO, Asian Real Estate Association of America 11/2006
>	AVMs Stand the Test of Time As automated valuation models gain acceptance, originators can conduct automated performance testing by Arturo Garcia, executive vice president, PLATINUMdata Solutions 11/2006
>	Breaking the Huddle When entering the commercial lending market, be sure you know your game plan by Kent Sullivan, senior commercial loan analyst, Pathfinder Mortgage 11/2006
>	By Owner -- With a Broker's Help An effective for-sale-by-owner marketing program can increase your leads and referrals by Ron Vaimberg, president, Ron Vaimberg International 11/2006
>	Stopping Bad Behavior Learn how to counteract supervisors who don't work well with the rank and file by Bonnie Cox, founder and vice president of organizational development, Power Training Institute 11/2006
>	5 Steps to Recharge Your Business In a competitive market, following a few simple sales tips can help brokers thrive by Salomon Wancier, vice president of marketing communications, Silver Hill Financial LLC 11/2006
>	Relationships in a Box Membership-based referral groups can help brokers build relationships and build their business by Guy J. Welker, president, River Rock Commercial Lending 11/2006
>	Don't Gamble Your Prospects To win in sales, brokers should focus on honing their skills and training by Joe Dahleen, director of sales production, MILA Inc. 11/2006
>	7 Contacts to Make Each Week From perfect strangers to family, everyone you meet can be a valuable contact in the mortgage business by Sammy Averbuch, co-founder, Providential Bancorp Ltd. 11/2006
>	Simple Steps for Success To be successful, people must know, like and trust you -- and you must deliver on your promises by Ken Taylor, president, Ken Taylor and Associates 11/2006
>	Direct Mail: A Numbers Game The right mailing list can maximize your lead-generation efforts by Ron Appel, director of operations, Summit Direct Mail Services 11/2006
>	5 Ways to Win Brokers who want to increase their income must be proactive in seeking business by Jack Davis, president, Jack Davis and Associates 11/2006
>	Survival Takes a Plan Create steps to keep your business alive in a tightening market by Jeff Flick, president, Flick Mortgage Investors Inc. 11/2006