>	What You 1003 is What You Get Each section of a universal loan application is an eye into your customer's life by Dale Vermillion, founder and CEO, Vermillion Consulting Inc. 12/2007
>	From the Editor by Tony Stasiek, editor 12/2007
>	Q&A: Louis Galuppo Director of Residential Real Estate, University of San Diego Burnham-Moores Center for Real Estate by Melinda Young 12/2007
>	Spotlight: Boston (Residential Market) by Kirsten Terry 12/2007
>	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 12/2007
>	Tip of the Month Don't play favorites by Tom Hopkins, Tom Hopkins International Inc., 12/2007
>	Trends Environment-conscious loans by Darrick Meneken 12/2007
>	E&O: Your Safety Blanket In a litigious market, errors-and-omissions insurance can come in handy by Marc A. Cisneros Jr., CEO and co-owner, CS Innovative Insurance Solutions 12/2007
>	Where to Look for Warehouse Survivors If you prepare for them, small banks can be your new source for warehouse deals by David E. Frase, executive vice president, Southwest Securities FSB 12/2007
>	What's Hiding in the HUD Handbook? For FHA-approved brokers, extra business often exists in open Chapter 13 bankruptcies by Brad Kent, president and CEO, Smartleads Inc. 12/2007
>	Show Agents Your Creative Side Teach your real estate agent partners about financing options they might not have considered by Justin Aldi, CEO, First Security Lending 12/2007
>	5 Ways to Keep Working Adapt your product offerings and business practices to fit today's market by Shane Willis, president and CEO, Florida State Mortgage Professionals Inc. 12/2007
>	Start Courting Commercial Clients Potential small-balance commercial borrowers abound -- if you know where to look by Jim Levie, president, NonSuch Consultants Inc. 12/2007
>	Diversity Leads to Longevity A healthy business often is built upon expanded marketing and services by Richard J. Hayes, president, Horizon Financial Corp. 12/2007
>	Now's the Time to Know FHA Popularity of FHA-insured loans could grow as other loan programs dwindle by Joni Quaintance 12/2007
>	Plan for a Great 2008 Don't wait -- start analyzing your current business levels now to create goals for next year by Jeffrey Nelson, president, Salesachievers Inc. 12/2007
>	What, Me Worry? Taking 4 steps can keep brokers from stressing out completely in today's cycle by Dan Sullivan, vice president of sales and managing director, Velma.com 12/2007
>	WWW.$$$ When starting or revamping a mortgage Web site, learn the tools to make it profitable by Roger Vetruba, CEO, MortgageMovies.com 12/2007
>	Become a Referral Clearinghouse Help your clients give business to other professionals, and you'll likely reap the returns by Ed Craine, CEO, Smith Craine Finance, and Ivan Misner, founder, BNI 12/2007
>	Marketing Doesn't Stop at the Office Door When you expand your marketing reach and focus, new clients -- and profit -- may follow by Marcus M. White, manager, Home Mortgage Corp. 12/2007
>	Partner for Hard-Equity Success Trying new products? Know where to turn for help by Aaron Miller, director of marketing, Allied Mortgage and Financial Corp. 12/2007
>	Effective Marketing Starts Here Absorb these 5 tips for successfully promoting and building your business by Ken Schreiber, managing partner, Loan Officer Success 12/2007
>	Turn Your Web Site into a Lead Machine By creating a professional-looking, educational site, you can help consumers take the next step by Eric Kim, director of operations, LenderHomePage.com 12/2007
>	Avoid Tomorrow's Headaches Today Reviewing this past year can help you set goals and adapt marketing for next year by Ron Appel, national sales director, A+ Letter Service 12/2007
>	Be the Straw That Stirs the Drink Give referrals everywhere you go, and people will thank you by David Lal, broker, Tri-Bay Financial Group Inc. 12/2007
>	Make Contact to Make Deals Keeping business up requires keeping up your communication with numerous parties by Manuel V. Sicre, president and CEO, Phoenix Financial Services Group LLC 12/2007
>	Start Small and Build Up Effective marketing strategies help spread the word about your small-balance commercial services by Rishard Brown, account executive, MetWest Commercial Lender 12/2007
>	Down -- But Not Out There's still plenty brokers can do to turn weary prospects into trusted clients by John T. Moss, founder, University for Loan Officers 12/2007