>	Underwriting: On the Front Line As loan officers battle a new market, they have control over their clients' funding by Peter Hebert, senior loan officer, Allied Home Mortgage Capital Corp. 1/2008
>	From the Editor by Tony Stasiek, editor 1/2008
>	Q&A: Richard K. Green President, American Real Estate and Urban Economics Association by Kirsten Terry 1/2008
>	Spotlight: Detroit (residential market) by Darrick Meneken 1/2008
>	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 1/2008
>	Getting Personal First-person accounts from mortgage professionals by Stephen Margrett, CEO, The Turning Point 1/2008
>	Tip of the Month Don't stop at just a loan by Anthony Haas, First Horizon Home Loans 1/2008
>	Trends Alternative credit programs by Darrick Meneken 1/2008
>	Check Yourself Before You Wreck Yourself Brokers hoping to survive the meltdown should take lessons from the due-diligence industry by David L. Hippensteel, member, Gerson Lehrman Group Councils 1/2008
>	The Nuts and Bolts of Credit Repair Working with a reputable credit-repair company can be the saving grace for your low-score borrowers by Douglas Muir, founder and CEO, Credit Justice Services 1/2008
>	Time to Step Up By taking responsibility and making internal changes, brokers enhance our industry's image by Bruce A. Rosenblat, president, North Star Home Lending 1/2008
>	Technology Makes the Difference Using a warehouse lender with a streamlined process can lower what you pay per transaction by Stanley Street, president, Street Resource Group Inc. 1/2008
>	Residential Vs. Commercial: What's Different Although the basics do apply to commercial lending, you'll also need to do some unlearning by Richard H. Zahm and David Gruebele, co-founders and principals, Second Angel Bancorp 1/2008
>	Take a Chance on Common Sense Brokers should encourage lenders to close more loans based on logic rather than automation by Marcus Hancher 1/2008
>	2007: Points A to G Understanding what actually happened in the past year could help you in this one by Chris R. Barker, account executive, Senderra Funding 1/2008
>	Opportunity for Advancement Brokers who offer merchant cash advances can grow their clients' businesses -- and their own by Kevin Duffy, vice president of sales, AdvanceMe Inc. 1/2008
>	What to Know When Layoffs Occur Understanding the W.A.R.N. Act can help employees and employers in shutdowns and downsizings by Kathleen Nelson, shareholder, Lane Powell PC 1/2008
>	Exemplify Integrity The road to excellence starts with being who you say you are by Dale Vermillion, founder and CEO, Vermillion Consulting Inc. 1/2008
>	Resolve to Earn Accountant Loyalty Five signs point to the clients who you should refer to CPA partners by Dennis Gilmore, CEO, Five Star Capital 1/2008
>	Market for Value Use quality direct mail and one-on-one communication to connect with prospects and past clients by Cindy Ertman, vice president, Platinum Capital Group 1/2008
>	Target: Investors Learn the options available for investor clients and how they can draw in business by David Lal, broker, Tri-Bay Financial Group Inc. 1/2008
>	Track Your Relationships Hierarchical-customer-management systems let you follow your referrals by Zagros A. Bigvand, founder and CEO, Stazzle.com 1/2008
>	Past Customers = New Business With a customer-relationship-management system, follow-up contacts can be steady and profitable by Ben April, president and co-founder, Mortgage Returns 1/2008
>	Build Equity in Your Brand Brand-focused brokers can stay top-of-mind with customers by Chadd S.J. Ciccarelli, founder and CEO, The Ciccarelli Group 1/2008
>	For Enhanced Relationships, Pay Attention Ask clients the right questions -- and listen to their answers -- to provide better service by Denny Andrews, president and founder, Loanofficerammo.com 1/2008
>	The Phone Stopped Ringing -- Now What? When the market's in a slump, develop new relationships to keep your business going by James W. Oldham, senior vice president, Valley Bank 1/2008