>	Prepare for More Dodd-Frank Regulations This sweeping legislation is touching nearly every corner of the mortgage industry. Are you ready? by Michael Zwall, director of mortgage services, SourceHOV 12/2011
>	From the Editor: December by Ivanna C. Sukkar, editor 12/2011
>	Tip of the Month: Mike Patterson Ease at-work conflicts by Mike Patterson, HaveANiceConflict.com 12/2011
>	Q&A: Ted Tozer Ted Tozer, Ginnie Mae by Jennifer E. Garrett 12/2011
>	The Fine Print: December Looking back to portend what 2012 will bring by Richard Smith, loan originator, Stearns Lending 12/2011
>	Featured Top Originator: Michael Bischof, Biltmore Financial Bancorp Inc. No. 28 Top Dollar Volume (2010) by Randall Woods, editor 12/2011
>	Spotlight: North Dakota (residential market) by Randall Woods 12/2011
>	Choosing the Right Appraisal Process Know the key factors to consider when selecting a provider by Tom Hurst, executive vice president, StreetLinks Lender Solutions 12/2011
>	Become the Front Line of Defense Know who you're dealing with to minimize mortgage fraud at the application stage by Denis G. Kelly, chairman, Identity Ambassador Commission 12/2011
>	Are Loan Modifications For Real? Lenders' and servicers' financial interests may be better served by foreclosure by Vince Khan, author, The Foreclosure Defense Handbook 12/2011
>	5 Things to Know About Private Construction Loans Hard-money financing may be the answer to stimulate building by David C. Scott, president, Silverado Funding LLC 12/2011
>	7 Reasons to Offer the 203(k) Increase your business with the Federal Housing Administration's rehab loan program by Adel A. Michael, founder and CEO, Omega Financial Services Inc. 12/2011
>	Ready to Make a Switch? Mortgage brokers considering the jump to banking have many advantages by David Hardin, director of retail operations, Bay Equity Home Loans 12/2011
>	Put Your Business in Reverse Gear up for new business with reverse mortgages by Jud Lyman, marketing manager, Genworth Financial Home Equity Access Inc. 12/2011
>	6 Ways to Make the New Year a Hit Learn from what you did this year to prepare for the next by Chris Jones, branch manager, City 1st Mortgage Services 12/2011
>	Success Is Within Your Reach Attain your goals by looking to past accomplishments by Pat Hiban, author, 6 Steps to 7 Figures 12/2011
>	Translating SEO Strategy into Sales Getting ranked in search returns is only the first step in making your website work for you by J.C. Kiadii, customer-liaison manager, MortgageOnlineMarketing.com 12/2011
>	Slow Down to Speed Up Sales Avoid the temptation to move through the decisionmaking process too quickly by William L. MacDonald, president and CEO, PleinAire Strategies LLC 12/2011
>	BackSpace: December Is the American dream of homeownership dying? by Joseph Viscuso, vice president, Stantec 12/2011
>	Take Charge of Your Referrals Help your clients promote your services to their friends and family by Ralph LoVuolo Sr., President, Mortgage Motivator 12/2011