>	Making Sense of the New GFE With a new good-faith estimate required as of Jan. 1, it's wise to brush up on changes, page by page. by Joshua Weinberg, business analyst, Calyx Software 11/2009
>	From the Editor by Tony Stasiek, editor 11/2009
>	Spotlight: Oklahoma City by Tony Stasiek 11/2009
>	Q&A: Jim Amorin President, Appraisal Institute by Darrick Meneken 1/2009
>	Tip of the Month Win without playing by Gary Opper, Approved Financial Corp. 11/2009
>	Getting Personal First-person accounts from mortgage professionals by Luis G. Castillo, director, Global Trade and Financing 11/2009
>	Appraising the Valuation Process Sure, you can't order an appraisal for most loans -- but you can help clients prepare by Brian C. Coester, CEO, Coester Appraisal Group 11/2009
>	New-Look Origination Charges Coming Soon Different levels of tolerance will be allowed under the new RESPA rule by Richard Smith, retail manager, American Acceptance Mortgage Inc. 11/2009
>	NMLS: Plusses and Minuses Benefits and drawbacks to nationwide-licensing rules show as renewal season begins by Robin M. Gronsky, owner, Gronsky Law Office 11/2009
>	A Look at Tax-Verification Reports Verifying stated income through IRS records often fights fraud and fosters relationships by Steve Grant, president, Credit Plus Inc. 11/2009
>	7 Ways to Immunize Your Business Foster business regardless of economic whims by Samuel N. Asare, senior financial strategist, Laser Financial Group 11/2009
>	Use New Rules to Build Trust Brokers who embrace and explain regulatory changes can reap rewards by Brian Brady, managing director, World Wide Credit Corp. 11/2009
>	The Secret to Building Business in a Downturn Change your ways, change yourself -- and create value in the process by Ken Taylor, president, Ken Taylor & Associates Inc. 11/2009
>	How to Grow Your Network Asking clients for referrals is the first step toward harvesting new business by Rich Randall, founding partner, RichRandall.com 11/2009
>	Finding Opportunities in Turmoil The struggling economy offers chances for brokers to impress other finance pros by Bob Moran, director of research and platform development, Franklin Webster Co. 11/2009
>	Don't Neglect Clients' Feelings Follow these six steps to get to the heart of the matter with loan prospects by Dmitry Perlovich, president, Dimper Funding Inc. 11/2009
>	Keep Marketing in Tough Times Brokers who develop online tactics and track their success may continue to attract clients by J.C. Kiadii, customer-liaison manager, MortgageOnlineMarketing.com 11/2009
>	Bow to Behemoths? Or Push for a Better Way? Brokers and small lenders should be seen not as the problem but as the solution by Tom Heath, mortgage professional, Consolidated Lenders Corp. 11/2009
>	Yes! More Disclosures By adding paperwork, we can fix the mortgage business ... right? by Adam Stein, executive vice president, Cascade Pacific Mortgage Corp. 11/2009
>	Promoting Clarity in TILA Brokers might be well-advised to counter changes that could cloud mortgage deals by Robert M. Steenrod, president, Professional Mortgage Inc. 11/2009