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December 2014 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
Get ready to go back to the future
By Will McDermott, managing editor, Ask a Lender

Featured Top Originator: Jason R. Hardin
Jason R. Hardin, Bank of America Home Loans
By Neal McNamara, chief reporter, Scotsman Guide Media

Q&A: Lawrence Yun, National Association of Realtors
Lawrence Yun, chief economist, senior vice president of research, National Association of Realtors
By Will McDermott, managing editor, Ask a Lender

News Roundup
By Neal McNamara, chief reporter, Scotsman Guide Media

The great divide between HELOCs and FHA loans
By Daren Blomquist, vice president, RealtyTrac

Spotlight: New York
By Will McDermott, managing editor, Ask a Lender

What to expect when your borrower is expecting
By Neal McNamara, chief reporter, Scotsman Guide Media




4 Trends in the Year Ahead
With higher rates and new players, the mortgage industry is set for further consolidation and regulation in 2015
By Tim Ross, CEO, Ross Mortgage Corp.

Unmasking Your New Brand
Transitioning to a new company requires hard work and a local touch
By Ed Gosselin, vice president of mortgage lending, Guaranteed Rate

Crossing the Border for Deals
Industry data is the key to understanding Canadian homebuyers
By Alain Forget, director of U.S. business development, RBC Bank

Part Two: How to Combine Your Disclosures
Originators must prepare their businesses for the new disclosure-integration rule that will take effect in August
By Richard Horn, partner, Dentons US LLP

Managing Risk With Interactive Finance
A new tool promises improved mortgage-market and repurchase oversight
By Hugh Carter Donahue, adviser, Marketcore

10 Tips for Small Lenders
Put a little perspective on the big picture
By Richard Owen, vice president of community bank and government affairs, Lender Select

Hold Onto Your Profits
Reducing loan-origination costs must be the industry’s top objective
By Patrick Stone, president and CEO, Williston Financial Group; and Lance Melber, CEO, Valutrust Solutions LLC.

Selling Wealth Creation
Financial planners can be one of your most lucrative referral sources
By Bill Early, speaker and consultant,

Lenders in Transition
Mini-correspondents must plan to remain in compliance with regulations
By Ginger Bell, Business development and training, Go2Training; and Jim Dunkerley, founder and president, FirstFunding

Providing Hope for Distressed Borrowers
Understand the basics of all mortgage-relief options before advising your clients
By William P. Matz, Attorney and Broker

Fins A Lender Post a Loan
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