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May 2014 Articles


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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 Raymond Fleischmann, editor, Scotsman Guide Media

Featured Top Originator: Freddy Pedrique
Freddy Pedrique, BBVA Compass Bank, No. 38 Most Loans Closed (2013)
By Raymond Fleischmann, editor, Scotsman Guide Media

Q&A: Ted Tozer, Ginnie Mae
Ted Tozer, president, Ginnie Mae
By Raymond Fleischmann, editor, Scotsman Guide Media

A tale of two coasts
By Svenja Maarit Gudell, senior economist, Zillow

Spotlight: South Dakota
By Victor Whitman, editor, Scotsman Guide Media

What’s the current state of the secondary market?
By Raymond Fleischmann, editor, Scotsman Guide Media




Weathering the Storm
If community banks hope to stay high and dry, they must focus on training and technology
By Judy Wheatley, senior vice president of compliance, Indecomm Global Services

Making Hard Money Work for Investors
Private lenders offer rapid solutions to residential funding questions
By Paul Ullman, co-managing partner, Asset Based Lending LLC

Home Prices Climb on a Weaker Dollar
In a sluggish economy, don’t overlook the inflation factor
By Rick Tobin, real estate financier, First Financial Bancorp

Back to the Future
History is repeating itself for the better in the mortgage industry
By Jason Bonarrigo, senior mortgage banker, Residential Mortgage Services

Divining the Regulations That Await
Don’t underestimate the relevance of big-bank requirements
By Haydn J. Richards Jr., director, Dykema’s financial industry group

Are Qualified Mortgage Standards Wired Wrong?
High utility costs may compromise some borrowers’ ability to repay their loans
By Dave Porter, area manager, Evergreen Home Loans

The Next Big Banking Innovation
Online prequalification systems can educate borrowers and expedite service
By Ed Blanch, team leader, First Home Agency LLC

Making the Jump
When switching companies, there are several important factors that loan officers should consider
By Thomas Gavin, loan officer, Academy Mortgage Corp.

Jumbo Takes the Spotlight
Even as origination volumes decline, mortgage professionals hit it big with large loans
By Ruth Lee, executive vice president, Titan Capital Solutions

Break Bad Habits to Improve Your Business
Honing in on what you do best is key to increasing your production
By Eric Nelson, senior mortgage planner, Silicon Valley Capital Funding

Add Technology to Traditional Customer Service
Today’s homebuyers are younger and more connected
By Michael Mekler, mortgage adviser, Samuel Scott Financial Group

The Benefits of Online Mortgage-Payment Systems
With the right system in place, mortgage banks may reap numerous benefits
By Rey Pasinli, executive director, Total-Apps; and Jason Taylor, executive director, Total-Apps

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