Editorial

>	Don't Just Refi, Diversify! by Eric Mozilo, vice president of business development, IndyMac Bank Home Construction Lending 1/2005
>	Brand Your Brokerage by Stephen Corsi, Senior Vice President of Marketing, First Franklin Financial Corp. 1/2005
>	Doing It Right: The Growing Ethical Crisis in Mortgage Lending by Rebecca Walzak, President, rjbWalzak Consulting Company, Inc. 1/2005
>	Option ARMs vs. Interest-only: What's the Real Bottom Line? by Ron Monaco, Account Executive, Mylor Financial 1/2005
>	The Lighter Side of Lending: Preparing the Next Generation of Brokers - a Spoof by Gordon Schlicke, Mortgage Trainer 1/2005
>	Training for New Loan Officers by Chris Thomas, President, Mortgage Training Resources 1/2005
>	The Triangle for Success: Relationship by Dale Vermillion, President & CEO, Vermillion Consulting, Inc. 1/2005
>	Protecting Yourself Against IRS Penalties When Filing Form 1098 by Stephen Hughes, Service Bureau Manager, 1099 Pro, Inc. 1/2005
>	Create a New & Easy Profit Center by Mike Smela, Vice President & National Recruiter, Carteret Mortgage 1/2005
>	The Effect of Quality Control on Companies by Rosalyn Hardy, Managing Director, Quality Control Management Assurance Corp. 1/2005
>	Work-at-home Loan Originators by Peter Cugno, Chairman & CEO of Secret! University, America's Money Center 1/2005
>	Overcoming the Fear of Marketing to Friends & Family by Brian L. Peart, President, Nexus Financial Group, Inc 1/2005
>	The Art of Change Surviving 2005 and Beyond-In the Face of Change: Part I by Jim Madrid, President, Entelechy Training & Development 1/2005
>	Compliance: From A to Z by James Russell, Managing Partner, MTG Consult 1/2005
>	Six Steps to Six Figures in 2005 by Bill Sparkman, The Coach 1/2005
>	What's Wrong with this Business? by Bob Senatore, Senior Vice President, Comforce Corporation 1/2005