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August 2008 Articles


Current Residential Magazine Cover

Inside Scotsman Guide’s residential edition, you’ll find all the tools that make our monthly, national magazine the leading resource for residential mortgage originators.

Our monthly departments include our award-winning Spotlight, which highlights a different state each month; columns from the Mortgage Bankers Association, RealtyTrac, Zillow and more; and in-depth looks at the news shaping the industry in our BackSpace feature.

Each month also brings you contributed articles from industry experts with information on how to stay compliant, build your business and excel in the mortgage industry.




From the Editor
By Tony Stasiek, editor, Scotsman Guide Media

Q&A: John M. Quigley, Berkeley Program on Housing and the Urban Economy
John M. Quigley, Director, Berkeley Program on Housing and the Urban Economy
By Ivanna C. Sukkar, editor, Scotsman Guide Media

Helping Hands: Countrywide
Each month, Helping Hands features a mortgage professional or group that has volunteered to lend a hand to others in need
By Ivanna C. Sukkar, editor, Scotsman Guide Media

Getting Personal
First-person accounts from mortgage professionals
By Lisa Kelly, Director of Sales and Marketing, Equity Secured Capital

Spotlight: Baton Rouge, LA
By Ivanna C. Sukkar, editor, Scotsman Guide Media




Dare to Compare
Interest continues to build for GSE and FHA loan options -- which one is right for your clients?
By Darrin Stobaugh, consultant

When Something’s in the Air
Know the risks of vapor intrusion and how you can help clients mitigate them
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Make MI Your M.O.
Help more clients understand the benefits and various options of mortgage insurance
By Tony Bruschi, vice president of new business development, Radian Guaranty

Branch Out with VA Loans
Military veterans present a strong opportunity for mortgage brokers
By Daniel Chookaszian, managing mortgage planner, American Street Mortgage Co.

The Risks We Take
Mortgage originators must understand and mitigate the industry’s inherent risks
By Kevin Parra, president and CEO, Plaza Home Mortgage Inc.

The FHA’s Move to Risk-Based Pricing
The agency’s mortgage-insurance premiums are now based on credit score and downpayment
By Christopher Doherty, senior vice president, Connaught

Screen Your Commercial Deals
There’s money in commercial loans -- along with time-wasting black holes
By Jeff Rauth, vice president of business development, Celtic Bank

How to Prepare for Lawsuits: 9 Tips
Increased scrutiny places the onus on brokers to step up
By David Weber, director, Navigant Consulting Inc.

Insuring Your Company’s Future
A little-known insurance provision can help protect brokers in cases of indemnity claims
By J. Craig Williams, civil-trial advocate, The Williams Lindberg Law Firm PC

Clarifying Our Roles
Brokers and bankers should work together to educate consumers and better the industry’s image
By Tom Heath, owner, Rio Nuevo Financial LLC

Read First, Then Sign on the Dotted Line
To manage the risks of the broker-to-banker transition, pay attention to correspondent agreements
By David Lykken, president, Transformational Mortgage Solutions

Bonds -- Surety Bonds
If your state requires a mortgage-broker bond for licensing, here’s what you should know
By Marc A. Cisneros Jr., CEO and co-owner, CS Innovative Insurance Solutions

Getting on the REO-Insurance Wagon
Foreclosure growth highlights insurance issues for real estate owned properties
By Ed Babtkis, principal, Ross Diversified Insurance Services; and Mel Babtkis, principal, Ross Diversified Insurance Services

Make Learning Come Alive
When implementing training for your company, consider using accelerated-learning techniques
By Michelle LaBrosse, founder, Cheetah Learning

There’s Power in the Positive
When talking to clients, consider how you say things -- it could make all the difference
By Stephen Felt, director of business development, Creative Business Finance LLC

Never Coerce Your Clients
Offer several options for clients’ situations rather than focusing on one particular loan
By Dale Vermillion, president, Mortgage Champions

3 Ways to Use Pamphlets Effectively
Giving your clients and prospects informational pamphlets can increase your profits
By Bob Moran, director of research and platform development, Franklin Webster Co.

Get Your Name Out
When building your mortgage business, consider different ways to reach your prospects
By Brad Cooper, manager, Leader One Financial

Fulfill Your Needs with Outsourcing
When transitioning from broker to banker, consider using third parties for fulfillment services
By Mary Kladde, president, Titan Capital Solutions; and Ruth Lee, executive vice president, Titan Capital Solutions

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