>	L.O. Licensing: The Lowdown In just a few years, the number of states requiring loan-officer licenses has grown from 3 to 31 by Herbert H. Thomas, president, Thomas Law Firm PC 12/2006
>	From the Top: December 2006 by Geary Britton-Simmons, chairman of the board 12/2006
>	Q&A: Douglas Duncan Senior staff vice president and chief economist, Mortgage Bankers Association by Melinda Young 12/2006
>	Spotlight: Newark, N.J. by Ivanna C. Sukkar 12/2006
>	Helping Hands: Pete Casey, SCME Mortgage Bankers 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 12/2006
>	Survey Says: December We asked our readers: "What surprises did your business see in 2006?" by 12/2006
>	Tip of the Month: December 2006 Make marketing reflect you by Jeff Murray, Lender Design LLC 12/2006
>	2007: What's Your Fortune? The change in the calendar presents a fantastic time to brush up on industry trends by Scott Yonehiro, senior mortgage adviser and senior board member, First Security Lending 12/2006
>	Just Walk Away You have two options when you're persuaded to act unethically -- choose wisely by Jerome Mayne, founder and president, Fraudcon Inc. 12/2006
>	Know Your Commercial Lenders When crossing over to commercial lending, it helps to know the basics about the types of lenders by Ari Miller, vice president, Gelt Financial Corp. 12/2006
>	Commercial Underwriting Know-How Residential brokers who understand commercial-underwriting formulas can better serve clients by Mike Boggiano, senior vice president, national sales manager, Silver Hill Financial LLC 12/2006
>	A New Twist on Reverse Mortgages Sometimes, seniors can use a reverse mortgage to buy a home by Philip E. Lipp, president, Allwest Mortgage 12/2006
>	It's All About the Product For success with commercial mortgages, residential brokers must analyze products and processes by Joe Mardesich, president, Nationwide Commercial Funding Inc. 12/2006
>	The Future of Mortgage Technology The future is upon us, and it requires perspective by Layne Sapp, founder and CEO, MILA Inc. 12/2006
>	The Benefits of Joining State Associations As a member or volunteer, you can make a difference by Steve Hagar, president, Michigan Mortgage Brokers Association 12/2006
>	Add Services to Add Value As business slows, residential brokers may find equipment leasing to be a good add-on by David Rosen, branch manager, and Stephen Davis, senior mortgage broker, Premiere Lending Corp. 12/2006
>	Where to Get a Leg up on Commercial Loans When diversifying your services, be sure to leverage your education and relationships for success by Jerry Kuker, principal owner, Accent Commercial Capital 12/2006
>	3 Keys to Opening up Shop Online Mortgage companies must understand what borrowers want from online loan applications by Brad Eaton, vice president of mortgage products, a la mode inc. 12/2006
>	Reverse Mortgages: Why They're Growing Once controversial, reverse products are gaining popularity by Craig Goebbel, president, Washington Association of Mortgage Brokers South Sound Chapter 12/2006
>	Tips for Doing Business in Mexico Brokers helping clients purchase property in Mexico should follow four key practices by Bruce D. Greenberg, principal appraiser, Bruce D. Greenberg Inc. 12/2006
>	Learn Your Fractions Fractional property-ownership can help your clients achieve affordable second-home-ownership by Bob Waun, CEO, Vacation Finance 12/2006
>	Private Seconds: Prudent Solutions When borrowers need additional financing, seller financing or intrafamily mortgages can help by Asheesh Advani, president and founder, CircleLending 12/2006
>	Solutions to Common Commercial Problems When complicated scenarios arise, brokers can save a commercial deal if they know where to turn by Ronen Abergel, vice president, Prodigious Capital Advisors LLC 12/2006
>	How to Refocus: 7 Questions for 2007 Kick-start your business by taking stock and planning for the coming year by Stewart Hunter, COO and founding partner, Benchmark Mortgage 12/2006
>	Free Yourself from the Electronic Leash Learn how to increase personal workplace efficiency in five steps by Annie Chang, senior loan agent, Prime Share Pacific Mortgage 12/2006
>	It's a People Business Brokers who build a referral-based network can reap many rewards by Joel Burroughs, Partner in Profit program manager, Innovative Lease Services Inc. 12/2006
>	Want to Improve Business? Listen Up Call-recording software may help you improve your listening skills and better serve customers by Boris Medak, president and CEO, Knowme Inc. 12/2006
>	Say Goodbye to Call Rejection By addressing your fear and uncertainty, you can ease clients' doubt and overcome call rejection by Nancy Friedman, president, The Telephone Doctor Customer Service Training 12/2006
>	Look Before You Leap If you're thinking of changing companies, keep a few factors in mind by Jason Blake, loan officer and national team leader, Carteret Mortgage Corp. 12/2006
>	With Postcards, Design is Key Make sure your message is clear on your direct-mail materials by Joy Gendusa, founder and CEO, PostcardMania 12/2006