>	From the Editor by Tony Stasiek 1/2010
>	Q&A: David H. Stevens Commissioner, Federal Housing Administration by Darrick Meneken 1/2010
>	Spotlight: Washington by Darrick Meneken 1/2010
>	Valuation Insight What FHA changes mean for appraisals by Griff Straw, president, Solidifi U.S. 1/2010
>	Getting Personal First-person accounts from mortgage professionals by Meg Murphy, certified credit consultant, Credit Justice Services 1/2010
>	Tip of the Month Find riches in REOs by Tom Duncan, D&P Investment Group Inc. 1/2010
>	Understanding Short Sales When modifications fail, short-sale providers could be a strong aide by Kathy Van Sleen, co-founder, JK Short Sale 1/2010
>	FHA Changes Shuffle the Deck As lenders assume responsibility for quality assurance, brokers face new rules by Darrin Stobaugh, owner, DES Financial Services 1/2010
>	Make Your Business Tech-Savvy When seeking a technology vendor, look for six traits that can help ensure your business' success by B.J. Bounds, senior marketing communications specialist, Calyx Software 1/2010
>	New Market Realities Take Hold Brokers must leap hurdles that underwriting and mortgage-insurance restrictions pose by Richard Smith, retail manager, American Acceptance Mortgage Inc. 1/2010
>	The Promise of Automation Multiple types of AVMs can increase confidence in loan decisions by Greg Holmes, national director of sales and marketing, Credit Plus Inc. 1/2010
>	How to Benefit from Technology Design Does your site have users in mind? If not, it should by Michael Blair, vice president of business development, Electronic Ink 1/2010
>	What Quality Means for Brokers' Future A paradigm shift in mortgage industry will change the way many do business by Mathew Ishbia, national sales manager, and Richard Greene, consultant and trainer, United Wholesale Mortgage 1/2010
>	Building a Strategy for Social Media Consider your goals and your audience when taking your message online by Rick Grant, principal, Rick Grant & Associates 1/2010
>	Shave Time Off Closings with E-Disclosures Costs and compliance also could stand out as benefits to electronic disclosure by Scott K. Stucky, chief operating officer, DocuTech Inc. 1/2010
>	Video Made the Marketing Star Consider employing visual techniques in your mortgage e-mails by Carl White, president, Time Mortgage 1/2010
>	Turning Credit Challenges into Closed Loans Find the light for troubled borrowers via solid partnerships by Samuel N. Asare, senior financial strategist, Laser Financial Group 1/2010
>	What Clients Are Telling You Without Saying a Word Hints of fraud may manifest through nonverbal and verbal borrower cues by Robert Nolan, president and CEO, IvyStone Consulting Group 1/2010
>	Finding a Niche in Foreign Investors Overseas buyers could help many hard-hit resort areas rebound by Justine Assal, owner, ACM Financial 1/2010