>	National Licensing Raises the Bar The new housing bill implements a system of national loan-originator licensing aimed at curbing abuses by Douglas L. Davies, partner, and Laura Marquez-Garrett, attorney, Foster Pepper PLLC 10/2008
>	The Golden State Sets the Gold Standard The new national mortgage-licensing act was inspired in part by California's strict regulations by Ginger Bell, president, Go2Training 10/2008
>	Scotsman's Guide to the MBA Annual Conference by Darrick Meneken 10/2008
>	From the Editor by Tony Stasiek 10/2008
>	Q&A: Steve O'Connor Senior Vice President of Government Affairs, Mortgage Bankers Association by Ivanna C. Sukkar 10/2008
>	Spotlight: Cleveland by Jennifer Landree, 10/2008
>	Helping Hands: Mike Ballantyne and Kate Whittaker Each month, Helping Hands profiles a mortgage professional or group that has volunteered to lend a hand to others in need by Jennifer E. Garrett 10/2008
>	Getting Personal First-person accounts from mortgage professionals by R.J. Jaramillo, lender and loan officer, Guild Mortgage Co. 10/2008
>	Tip of the Month Select a solid CRM partner by Dan Griffin, Customer Effective Inc. 10/2008
>	Seal the Deal with Seller Financing Knowing how to facilitate a seller-financed transaction can help brokers earn trust and referrals by Todd Huettner, president, Huettner Capital 10/2008
>	FHA Moves Forward Spurred by new rules, demand is likely to build for Federal Housing Administration loans by Dan Thoms, senior vice president, AllRegs 10/2008
>	The Lowdown on Loan Mods The increase in foreclosure-prone borrowers presents opportunities for shrewd originators by Samuel T. Carlson, director of public and media relations, Loan Processing Center Inc. 10/2008
>	Tax Credit Can Help Build Business Brokers can increase closings by understanding the new incentive for first-time homebuyers by Gibran Nicholas, founder and chairman, CMPS Institute 10/2008
>	MI: Consumers' New Friend? As mortgage insurance gains popularity, providers are offering more benefits by Christopher J. Antonello, senior vice president of marketing, Genworth Financial 10/2008
>	Don't Foreclose on Opportunity An increase in real estate owned properties brings new possibilities to the housing market by Peter Hebert 10/2008
>	The Other Side of the Tax Credit People are extolling the new first-time-homebuyer tax credit, but is it too good to be true? by Chan B. Masselink, president, Falls Mortgage LLC 10/2008
>	It's Getting Easier to Be Green Energy-efficient mortgages can maximize buyer power and broker success by Paul W. Birkeland, founder and president, Integrated Renewable Energy 10/2008
>	Sweep Away Credit Confusion Brokers are in the best position to help educate consumers about what lenders seek by Alan Baia, managing partner, Cogent Road Inc. 10/2008
>	Home, Sweet Office Mortgage companies and their employees can benefit from teleworking arrangements by Judy Johnston, senior vice president of corporate marketing and communications, AIG United Guaranty 10/2008
>	3 Things to Get, 1 to Give and 1 to Earn Staying in business often requires taking all five points to heart by Shawn Von Talge, president and co-owner, Professional Mortgage Group Inc. 10/2008
>	Planning Your Attack: 5 Steps Being prepared is often easier than preparing a good excuse in today's market by Mark Milam, residential originator, Sunshine Mortgage Corp. 8/2008
>	Find Advertising that Works for You The secret to reaching customers often is in the medium by Brad Cooper, managing owner, Cooper Financial Solutions 10/2008
>	5 Ways to Set Yourself Apart Brokers who establish differentiation can achieve excellence by Dale Vermillion, CEO, Vermillion Consulting Inc. 10/2008
>	Look Under Your Customer-Service Hood Give your company a tuneup by avoiding four common pitfalls and implementing the five S's by Michelle LaBrosse, founder, Cheetah Learning 10/2008
>	Build Business by Helping Clients Creatively Two products can help brokers survive the downturn and help their clients take control of their finances by Anthony L. Porro, founder, Research Realty Services LLC 10/2008