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August 2012 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 Jennifer Garrett, editor, Scotsman Guide Media

Featured Top Originator: John Rodgers
John Rodgers, Prime Mortgage Lending, No. 8 VA Volume (2011)
By Raymond Fleischmann, editor, Scotsman Guide Media

Negative equity casts a long shadow
By Svenja Maarit Gudell, senior economist, Zillow

Q&A: Sean Penrith, Earth Advantage Institute
Sean Penrith, executive director, Earth Advantage Institute
By Raymond Fleischmann, editor, Scotsman Guide Media

Spotlight: Wisconsin
By Raymond Fleischmann, editor, Scotsman Guide Media

Working in the rural-properties niche
By Bill Medley, national sales manager, CGB-Agri Financial Services




Sowing the Seeds of Green Renovations
Steer clear of risks by knowing the tenets of underwriting and post-closing due diligence
By Susan Frost, president and broker, Alliance Mortgage and Marketing

Being Green to Save Green
Helping the environment may start in your office
By Darrin Stobaugh, consultant

Quieting the Storm
Know the risks — and misconceptions — that come with quiet-title actions
By William P. Matz, Attorney and Broker

Look at Loans with an Underwriter’s Eye
Thorough submissions are required to close more loans
By Rebecca Karg, underwriter, Sierra Pacific Mortgage

In Everyone’s Best Interests
Maintenance agreements offer lenders a way to preserve nonperforming assets
By Michael H. Moreland, CEO, Moreland Financial LLC

Foreclosure Markets on the Move
As the Southeast and Southwest regions stabilize, other areas deteriorate
By Steve Cook, managing editor, Real Estate Economy Watch and UPI Real Estate

A New Alternative
Mortgage-to-lease programs may help mortgage providers weather the recession
By Timi Pereira, president, GoldenOmega

Seas of Change
How will Dodd-Frank’s ability-to-repay rule change underwriting — and originating?
By Laurie Spira, chief compliance officer, DocMagic Inc.

Foiling Fraud
Due diligence and risk-mitigation systems may help prevent losses
By Don Effertz, vice president of fraud risk management, DataVerify

7 Tips to Build Realtor Relationships
Getting referrals from real estate agents is key to purchase business
By Jerry A. Kussy, vice president of lending, Liberty Bank for Savings

Make the Most of Your Marketing
The right data and mail pieces are key to selling your services
By K. Justin Restaino, vice president, Titan List & Mailing Services Inc.

Finding a Fresh Perspective
What can mortgage brokers and originators learn from being borrowers?
By Kimberly Grim, regional vice president, Fairway Independent Mortgage Corp.

The Sum of Two Parts
Combine pay-per-click ads with direct mail for more effective marketing
By Joy Gendusa, founder and CEO, PostcardMania

Fins A Lender Post a Loan
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