>	Navigating in Reverse Opportunity abounds in the reverse-mortgage niche -- if you know the laws that apply by Jim Milano, member, Weiner Brodsky Sidman Kider PC 10/2009
>	From the Editor by Tony Stasiek, editor 10/2009
>	Spotlight: Brooklyn, New York by Darrick Meneken 10/2009
>	Q&A: Tino Diaz Chairman and president, National Association of Hispanic Real Estate Professionals by Darrick Meneken 10/2009
>	Getting Personal First-person accounts from mortgage professionals by Gary Opper, president, Approved Financial Corp. 10/2009
>	Tip of the Month Segment your time by Richard P. Himmer, Harbor Tech Mortgage Inc. 10/2009
>	When State Regulators Come Knocking Brokers should understand what to do before and after enforcement actions by John L. Bley, partner, and Laura Marquez-Garrett, attorney, Foster Pepper PLLC 10/2009
>	The Value of Compliance Assistance In the changing regulatory landscape, it can be wise to hire someone to watch your back by Kristin Delaney, sales-and-marketing coordinator, Document Nation LLC 10/2009
>	A Look at the Market-Conditions Addendum It's smart to know the intent of Fannie Mae form No. 1004MC -- aka, Freddie Mac form No. 71 by Richard Lauro, training specialist, Radian Guaranty Inc. 10/2009
>	Understanding Reverse Mortgages For equity-rich borrowers ages 62 and older, options such as the HECM often are worthwhile by Max Sattanathan, CEO and president, Reverse Ultra 10/2009
>	Buydowns: When and How They Help Seller-funded reductions may ease the sales process for buyers and sellers by Dylan Kramer, president and CEO, America's Mortgage Choice 10/2009
>	How to Fight for Market Recovery By pushing for more investor-finance options, brokers can help offset inventory glut by Bruce Norris, president, The Norris Group 10/2009
>	5 Tips for Tapping Your Specialty Unsure where to plant your flag? Consider what you do best by Mitch Harmann, team manager, USA Funding Corp. 10/2009
>	Niches, Spelled Out Key characteristics often pop out in brokers who truly work their specialty by David Lykken, president and managing partner, Mortgage Banking Solutions 10/2009
>	Baby Steps to Being the Best You don't always need a large niche to be the local -- or national -- leader by Chris Jones, branch manager, City 1st Mortgage Services 10/2009
>	Regulatory Changes Can Open Doors It's possible to put a positive spin on Regulation Z changes for clients by Christopher Knox, vice president and national sales manager, Fifth Third Bank 10/2009
>	Market Yourself Through Education Enlightening consumers offers a path to increased sales and referrals by Bill Rice, founder and CEO, Kaleidico.com 10/2009
>	The Upside of Outsourced Processing By looking beyond their walls, brokers can increase efficiency and save money by Brian Fisicaro, operations manager, MTG Processor LLC 10/2009