>	Extra Points for Creativity As traditional lending takes its blows, creative-financing tools become more important than ever by Len Holland, managing director, FTM Investors 11/2007
>	From the Editor by Tony Stasiek, editor 11/2007
>	Q&A: Ira Rheingold Executive Director, National Association of Consumer Advocates by Melinda Young 11/2007
>	Spotlight: Las Vegas (Residential Market) by Kirsten Terry 11/2007
>	Helping Hands Each month, Helping Hands features a mortgage professional or group that has volunteered to lend a hand to others in need by Kirsten Terry 11/2007
>	Tip of the Month Gain financial-planning certification by Don Caiati, Caiati Financial Services LLC 11/2007
>	Trends Separation of Wealth by Darrick Meneken 11/2007
>	Going Electronic E-mortgages are coming, and prepared brokers stand to benefit by Andrew M. Dubinsky, president and CEO, Encomia LP 11/2007
>	When Lawsuits Work in Your Favor Don't give up on clients with pending court cases -- help them get legal financing by Alec Schibanoff, director of marketing and business development, LawMax Legal Finance 11/2007
>	How to Handle Owner Financing Although it's often a worst-case scenario, a seller-financed deal can still help a broker by Divina K. Westerfield, manager, Private Mortgage Association Inc. 11/2007
>	Small-Balance's Large Impact Many local businesses need small-balance commercial loans -- and you can be the one to offer them by Tom Brubaker, vice president of marketing, InterBay Funding LLC 11/2007
>	Getting Creative With Seller Financing Knowing two options can help these deals close easily by Norman Linton, president, Mortgage-Investments.com Inc. 11/2007
>	Equipment Leasing: Your Pick-Me-Up? Commercial equipment leasing is another way to diversify and strengthen your business by Joel Burroughs, branch-office-development manager, Innovative Lease Services Inc. 11/2007
>	Cover Your Bases For brokers facing litigation, proper insurance coverage can be the way to emerge unscathed by Daniel J. Callahan, founding partner, and Edward Susolik, senior partner, Callahan & Blaine 11/2007
>	Rescore and Profit Software can catch the credit errors that are holding your clients back by William DiPaolo, chief operating officer, Cogent Road 11/2007
>	Who Can Be Prime? Expanding prime-loan qualifications may have had a harmful effect on the industry by Joseph Badal, senior executive vice president and chief lending officer, Thornburg Mortgage 11/2007
>	Paradise by the Dashboard Light Dashboard software often aids companies seeking to track their origination efforts by Mary Kladde, president and CEO, and Ruth Lee, vice president of sales, Titan Lenders Corp. 11/2007
>	Take It to the Other Side Small-balance commercial loans often are within reach by Cheryl Higley, national director, RBC Streamline 11/2007
>	Investor Clients and the Need for Speed Match real estate investors with the right loans and lenders for a steady client base by Alan Brymer, president, Utah Valley Real Estate Investors' Association 11/2007
>	Where You're at Risk Surviving today's environment depends on your ability to find and mitigate risks by Jeff Gentry, vice president of emerging services, Kroll Factual Data 11/2007
>	Draft a Winning Team Pick the right players and lead them to business success by Charles Byron Andrews, founder, Blue Coast 11/2007
>	4 Ways to Enthrall Real Estate Agents The right marketing plan often will draw the best referral sources by Jeffrey Nelson, founder, Salesachievers Inc. 11/2007
>	Becoming an Expert: 4 Tips Read, attend courses, shadow and find a mentor -- and discover success by Brad Cooper, coach, Loan Officer Success 11/2007
>	Answer Rate Questions Confidently Know how to field three of borrowers' most-frequent concerns by Jason Harris, CEO, Freedom First Financial Inc. 11/2007
>	It's About Customers, Not Commissions A changing industry requires a change in companies' compensation mentality by Dale Vermillion, founder and CEO, Vermillion Consulting Inc. 11/2007
>	Always Look on the Bright Side of Life Recognize how our industry's woes are actually working to your benefit by Andy Lockwood 11/2007
>	The Top 5 Attributes of Professionals To join the top originators, learn how to be a pro by Tom Hopkins, chairman, Tom Hopkins International Inc. 11/2007
>	Third Time's a Charm If at first you don't succeed, keep sending your marketing materials and let the message sink in by Joy Gendusa, founder and CEO, PostcardMania 11/2007
>	Meeting of the Minds When you need guidance, turn to objective peer groups and business coaches by Paul Wirth, president, CEO Advisors Network 11/2007
>	Scotsman's Guide to NAMB/West by Tony Stasiek 11/2007