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January 2013 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: Louise Thaxton
Louise Thaxton, Fairway Independent Mortgage Co., No. 14 Top VA Volume (2011)
By Raymond Fleischmann, editor, Scotsman Guide Media

Delinquencies and foreclosures trend downward
By David H. Stevens, president and CEO, Mortgage Bankers Association

Q&A: Mark Palim, Fannie Mae
Mark Palim, director of economics, economic and strategic research group, Fannie Mae
By Raymond Fleischmann, editor, Scotsman Guide Media

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

Celebrating 20 years of Scotsman Guide
By Jennifer Garrett, editor, Scotsman Guide Media




Taming the Four C’s
Ride the waves of success by knowing underwriting and risk-mitigation standards
By Judy Wheatley, senior vice president of compliance, Indecomm Global Services

The Major Problem With Micromanaging
Could excessive regulation threaten the entire mortgage industry?
By Stanley M. Gordon, managing member, Gordon & Associates

A Good Route for Bad-Credit Borrowers
Hard-money lenders offer home loans for borrowers with damaged credit
By Yanni Raz, CEO, HML Investments

Learn to Think Like an Underwriter
Asking the right questions before submitting loans leads to faster closings
By Sharmen Lane, senior instructor, Loan Officer School

Will Your Loans Withstand Forensic Due Diligence?
Intense industry scrutiny means today’s loans must be beyond the pale
By Cindi Dixon, CEO, Mela Capital Group

See Eye to Eye With Underwriters
Learn how lenders interpret “common-sense” underwriting
By Darrin Stobaugh, consultant

Build a Company that Lasts
What does it take to endure the booms and busts of the mortgage industry?
By Paul Anastos, president, Mortgage Master

Give Your Customers the Lowdown
Help your clients avoid and deal with low appraisals
By Kevin Popoli, vice president, Internet channel, United Guaranty Corp

The New Era of Underwriting
What does underwriting’s recent evolution mean for brokers and lenders?
By Bob Fuller, underwriting manager, United Wholesale Mortgage

Committing to an E-Mortgage System
One company’s transition process can serve as a helpful example to others
By Joshua K. Erskine, CEO, CalCon Mutual

The Sweet Sound of Social Media Success
Growing your business with Twitter begins with a careful consideration of the basics
By Audrey White, marketing manager, Poli Mortgage Group Inc

5 Tips for Stronger HR
Don’t let tight budgets stifle personnel management
By Suzanne Gonsalves, senior human resources leader, Bexil American Mortgage Inc; and Linda Brawley-Carroll, director of talent management and development, Bexil American Mortgage Inc

Focus on Interaction and Education
Keep these must-have tips in mind for finding success in the new year
By Joe Amoroso, director of national sales, Real Estate Mortgage Network Inc.

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