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October 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: Steve O’Connor, Mortgage Bankers Association
Steve O’Connor, Senior Vice President of Governmennt Affairs, Mortgage Bankers Association
By Ivanna C. Sukkar, editor, Scotsman Guide Media

Helping Hands: Mike Ballantyne and Kate Whittaker, Family First Federal Credit Union
Each month, Helping Hands profiles a mortgage professional or group that has volunteered to lend a hand to others in need
By Jennifer Garrett, editor, Scotsman Guide Media

Getting Personal
First-person accounts from mortgage professionals
By R.J. Jaramillo, lender and loan officer, Guild Mortgage Co.

Spotlight: Cleveland
By Jennifer Landree, freelance writer, Scotsman Guide Media




National Licensing Raises the Bar
The new housing bill implements a system of national loan-originator licensing aimed at curbing abuses
By Douglas L. Davies, managing partner, Davies Law Group LLC; and Laura Marquez-Garrett, attorney, Foster Pepper PLLC

The Golden State Sets the Gold Standard
The new national mortgage-licensing act was inspired in part by California’s strict regulations
By Ginger Bell, Business development and training, Go2Training

Seal the Deal with Seller Financing
Knowing how to facilitate a seller-financed transaction can help brokers earn trust and referrals
By Todd Huettner, president, Huettner Capital

FHA Moves Forward
Spurred by new rules, demand is likely to build for Federal Housing Administration loans
By Dan Thoms, senior vice president, AllRegs

The Lowdown on Loan Mods
The increase in foreclosure-prone borrowers presents opportunities for shrewd originators
By Samuel T. Carlson, director of public and media relations, Loan Processing Center Inc.

Tax Credit Can Help Build Business
Brokers can increase closings by understanding the new incentive for first-time homebuyers
By Gibran Nicholas, founder and chairman, CMPS Institute

MI: Consumers’ New Friend?
As mortgage insurance gains popularity, providers are offering more benefits
By Christopher J. Antonello, senior vice president of marketing, Genworth Mortgage Insurance

Don’t Foreclose on Opportunity
An increase in real estate owned properties brings new possibilities to the housing market
By Peter Hébert, author, Mortgaged and Armed

The Other Side of the Tax Credit
People are extolling the new first-time-homebuyer tax credit, but is it too good to be true?
By Chan B. Masselink, president, Falls Mortgage LLC

It’s Getting Easier to Be Green
Energy-efficient mortgages can maximize buyer power and broker success
By Paul W. Birkeland, founder and president, Integrated Renewable Energy

Sweep Away Credit Confusion
Brokers are in the best position to help educate consumers about what lenders seek
By Alan Baia, managing partner, Cogent Road Inc.

Home, Sweet Office
Mortgage companies and their employees can benefit from teleworking arrangements
By Judy Johnston, senior vice president of corporate marketing and communications, AIG United Guaranty

3 Things to Get, 1 to Give and 1 to Earn
Staying in business often requires taking all five points to heart
By Shawn Von Talge, president, Flat Branch Mortgage Inc.

Planning Your Attack: 5 Steps
Being prepared is often easier than preparing a good excuse in today’s market
By Mark Milam, residential originator, Sunshine Mortgage Corp.

Find Advertising that Works for You
The secret to reaching customers often is in the medium
By Brad Cooper, manager, Leader One Financial

5 Ways to Set Yourself Apart
Brokers who establish differentiation can achieve excellence
By Dale Vermillion, president, Mortgage Champions

Look Under Your Customer-Service Hood
Give your company a tuneup by avoiding four common pitfalls and implementing the five S’s
By Michelle LaBrosse, founder, Cheetah Learning

Build Business by Helping Clients Creatively
Two products can help brokers survive the downturn and help their clients take control of their finances
By Anthony L. Porro, founder, Research Realty Services LLC

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