>	Underwriting Vs. 1004MC Newly required appraisal form adds another wrinkle to an already-controversial side of the loan process by Patrick Egger, owner/principal, Area Real Estate Advisory Service 7/2009
>	From the Editor by Tony Stasiek, editor 7/2009
>	Spotlight: Jacksonville, Fla. by Darrick Meneken 7/2009
>	Q&A: Patrick J. Lawler Chief economist, Federal Housing Finance Agency by Ivanna C. Sukkar 7/2009
>	Getting Personal First-person accounts from mortgage professionals by Mike Guiltz, CEO, MPC 7/2009
>	Tip of the Month Distinguish your company by James Kirchmeyer, Zaio Corp. 7/2008
>	Price-to-Income Ratios Offer Insights Understanding this market metric could help brokers make better decisions at local levels by Bohdy Hedgcock, associate, and David J. Lynn, managing director, ING Clarion Partners 7/2009
>	Title Insurance: What to Tell Your Clients Avoid closing-table surprises by detailing what the policy is upfront by Tim Dwyer, CEO, Entitle Direct Group Inc. 7/2009
>	The Case for Stricter Guidelines Tighter underwriting makes the mortgage business more difficult -- but potentially safer by Andrew Newton, underwriting and credit-policy manager, and Christi Becker, underwriter, Gold Star Mortgage Financial Group 7/2009
>	How to Use Economic Reports Upon their release, regular housing and market data can guide your business planning by Chris Goodwin, vice president of loss-management analytics, United Guaranty Corp. 7/2009
>	Where Due-Diligence Underwriters Go Wrong Brokers should know the six main areas mistakes occur and how to handle repurchase demands by David L. Hippensteel, council member, Gerson Lehrman Group Councils 7/2009
>	Shoot and Score with FHA Lending Brokers must remain familiar with new rules and pass that knowledge to others in need by Darrin Stobaugh, owner, DES Financial Services 7/2009
>	Retirement Funds May Open New Doors Self-directed IRAs can provide the funding answers that brokers' clients seek by Tom Anderson, president and CEO, PENSCO Trust Co. 7/2009
>	Fighting Back on the Buyback Scrutinizing underwriting practices can offer a defense in cases that target brokers by Laura Marquez-Garrett, attorney, Foster Pepper PLLC 7/2009
>	Be the Professionals' Professional: 7 Tips Learning from mistakes is an important method to avoid them later by Samuel Angueira, chief executive officer, Nu Dominion Group 7/2009
>	6 Ways to Light a Fire Under Your Sales Staff Assembling and nurturing a top-flight staff is a must in today's tough market by Obiora Egbuna, vice president of sales, Residential Finance Corp. 7/2009
>	Taking a Systematic Approach to Marketing The secret to getting a solid brand presence: building a solid marketing plan by Ken Taylor, president, Ken Taylor & Associates Inc. 7/2009
>	What to Ask of Your Insurance Partner Teaming with an insurance agent may pay off in referrals and other benefits by Steve Brooks, president, Steve Brooks Insurance Services 7/2009
>	HVCC: How It Can Hurt Understanding the latest appraisal regulation is the first step toward potentially fixing it by Jorge Gomez, branch vice president, 1st Advantage Mortgage 7/2009
>	Protect Your Income with Insurance Planning for the worst can help brokers navigate illness or disability by Frank N. Darras, managing partner, Shernoff, Bidart, Darras, Echeverria LLP 7/2009
>	FAMB Special Report: What We've Been Fighting For FAMB has offered lawmakers insights into changing mortgage-industry rules by Valerie Saunders, president, Florida Association of Mortgage Brokers 7/2009