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May 2016 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
It’s OK to show how mortgages are made
By Rob Crow, former editor, Scotsman Guide Media

Featured Top Originator: Deborah Foley
Deborah Foley, Smarter Mortgages No. 1 Refinance volume (2015) No. 5 Top Dollar volume (2015)
By Victor Whitman, editor, Scotsman Guide Media

Q&A: Office of the Comptroller of the Currency
Richard B. Taft, Deputy comptroller for credit risk, Office of the Comptroller of the Currency
By Rob Crow, former editor, Scotsman Guide Media

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

A new wave of foreclosures is unlikely this year
By Rick Sharga, executive vice president, Ten-X

Spotlight: Oregon
By Rob Crow, former editor, Scotsman Guide Media

Lawmakers and industry players debate changes in credit scoring
By Bill Lewis, former editor, Scotsman Guide Commercial Edition




Up to the Task
Faster underwriting times are not a cause for concern — they are a reason for optimism
By Brian Kucab, director of underwriting, Genworth Mortgage Insurance

Yes, We Can Say ‘Yes’
The time is right for underwriters to approve mortgage applications more often
By Joseph J. Murin, member of the board of advisors, NewDay USA

Shine a Light on Cybersecurity Flaws
Third-party partners can expose mortgage companies to new threats
By Paul Lewis, vice president of technology risk, T&M Protection Resources; and Jeff Bernstein, managing director, T&M Protection Resources

Find Common Ground
A mortgage deal has a far better chance of closing if the originator and underwriter work together as a team
By Paul Isola, regional vice president of operations, Mountain West Financial Inc.

Customize Software to Create Your Solution
Engineers can be among the most important people at a mortgage company
By Ali Vafai, president, The Money Source

Prepare for the Next Wave of Compliance
When regulators look into originator compensation, make sure your worth is evident
By Corey Hulbert, associate vice president and head of sales, SmartProp at ATPR Inc.

Marketplace Lending Works Best With a Human Touch
Originators who learn to leverage new technology can blaze a lucrative path in an evolving mortgage industry
By Valentin Saportas, co-founder and CEO, MortgageHippo

Old Debts Rarely Fade Away
Fixing bad credit requires diligence, patience and a good paper trail
By Elizabeth Karwowski, founder, Get Credit Healthy Inc.

For Future Refi Success, Visit the Past
Old-school direct-mail campaigns aren’t in style, but can be an originator’s secret weapon
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Top Performers Make Smart Job Choices
Advancing your career isn’t just about getting a bigger paycheck
By Amy Tierce, vice president of sales and marketing, Mortgage Equity Partners

Don’t Leave Your Borrowers Stranded
Discuss discretionary guidelines with underwriters before submitting loan packages
By Alan Bercovitz, founder, Guaranteed Mortgage Quote

With Internet Leads, Try, Try and Try Again
Repeated contact attempts are necessary to close more loans
By Mike Mahoney, real estate and mortgage professional

Getting to the Next Level Requires an Expanded Reach
Launching a correspondent channel can open up a whole new line of business opportunities
By Ed VanDuren, senior vice president of correspondent lending, Plaza Home Mortgage Inc.; and Salpi Meyer, national correspondent sales manager, Plaza Home Mortgage Inc.

The Death of Refi Is Greatly Exaggerated
A significant, largely untapped segment of the homeowner market is still refinance-ready
By Darrin Stobaugh, consultant

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