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December 2009 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

Spotlight: Reno, NV
By Darrick Meneken, associate editor, Scotsman Guide Media

Q&A: Frank Garay and Brian Stevens, TBWS Daily
Frank Garay and Brian Stevens, Co-hosts, TBWS Daily
By Darrick Meneken, associate editor, Scotsman Guide Media




Inside the Regulation Z Maze
The Federal Reserve Board's proposed changes to the rule implementing the Truth in Lending Act punctuate a strenuous year
By Richard Smith, loan originator, Churchill Mortgage

How to Persevere After the Party
As independent brokers wane, others will find ways to stay afloat
By David Olson, president and managing director, Access Mortgage Research & Consulting Inc

Pending Changes Require Attention
Changes to APR and yield-spread-premium calculation highlight Reg Z plan
By Christopher Cruise, senior national trainer,

Settling the New RESPA Frontier
Consider four key attributes in your title company's settlement services
By Tanya Themistokleous, senior vice president of marketing and sales, Closeline Settlements

YSP Needs Your Support
The disappearance of this payment source would have drastic repercussions
By Jon Bodan, broker, The Perpetual Financial Group Inc

Government-Lending Changes to Know
FHA, VA and USDA are important and evolving options in today's market
By Fred Chamberlin, senior mortgage adviser, Alpine Mortgage Planning

New Law Targets Broker Deceit
Fraud Enforcement and Recovery Act increases industry oversight
By Kathleen A. Nelson, shareholder , Lane Powell PC

What's Under Your Lender's Hood?
Ensure your financing source employs process solutions that help you thrive
By Rob Katz, president , Del Mar DataTrac

The Changing Face of Education
Brokers can use strict standards to set themselves apart from bank lenders
By Jeri Lynn Fox, president, broker and owner, USA Mortgage Corp.

Notary Choice Shouldn't Be a Side Note
Referrals and repeat business can hinge on borrowers' experience at the closing table
By DK King, owner, The Power Funding Group LLC

Options for Borrowers in Loan Distress
Consider 10 alternatives when helping to advise troubled homeowners
By William P. Matz, Attorney and Broker

Ask About eRecordings
Digital document recording could have advantages for your title company and you
By Chris Lodge, real estate information manager, Talon Group NW Division

Is This the Year You Hire or Retire?
Change abounds, and it dictates if you will grow or move along
By Mitch Harmann, chief information officer and vice president of operations, Liberty Banc Mortgage

A New Decade, a New Outlook
Flip the calendar with gusto by following these five tips
By Tim Davis, sales and marketing speaker, coach and author, The Originators Guide

Building Business, 140 Characters at a Time
The key to leveraging the power of Twitter is to provide value
By Chik Quintans, certified mortgage planner, Atlas Mortgage

6 Ways to Protect Your Pipeline
Taking these steps could help you keep your clients all the way to closing
By Doug Smith, president, Douglas Smith & Associates

Inside the Reg Z Maze

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