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July 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
Welcome to our ever-changing world
By Rob Crow, former editor, Scotsman Guide Media

Featured Top Originator: Aaron Gerber
Aaron Gerber, TruStone Financial Federal Credit Union, No. 1 HELOC Volume (2015)
By Victor Whitman, editor, Scotsman Guide Media

Q&A: National Association of Realtors
Distressed-property sales are on the decline
By Rob Crow, former editor, Scotsman Guide Media

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

Balance is still missing in the housing recovery
By David H. Stevens, president and CEO, Mortgage Bankers Association

Spotlight: Alabama
By Bill Conroy, editor in chief, Scotsman Guide Media

The housing market is nearing normal, but it’s not quite there
By Victor Whitman, editor, Scotsman Guide Media




Polish Those Defective Loans
Some investors are becoming experts at buying and curing mortgages with TRID errors
By Jeff Bode, owner and CEO, Mid America Mortgage Inc.

Renovation Loans Can Build New Business Avenues
The rehab market requires knowing the right players and loan products
By Nicholas DiMilia, account executive, American Financial Resources Inc.

Do You See Points of Distress?
Despite a nationwide decline in troubled assets, there is still business to be done
By Amy Bergseth, vice president of operations, Exceleras LLC

Avoid the Refi Reaper
As refinances die out, make the most of your purchase opportunities
By Rey Maninang, senior vice president and national sales director, Carrington Mortgage Services LLC

Credit Surprises Dim Homeowners’ Dreams
Mismanaged credit cards and unreported installment loans can derail home-loan approvals
By Alisa Glutz, licensed mortgage banker, Cherry Creek Mortgage Co. Inc.

Become the Hunted, Not the Hunter
Successful originators create enough demand so that homebuyers seek them out
By Brian Sacks, mortgage loan originator, HomeBridge Financial Services Inc.

Bad Timing Boosts Home-Loan Costs
The secondary market can have a big impact on your client’s mortgage
By Michael Delehanty, chief financial officer, Community Home Lenders Association

Beware the Paperwork Predators
Without vigilance and the right tools, mortgage companies remain highly vulnerable to fraud
By Brent A. Chandler, founder and CEO, FormFree Holdings Corp.

To Stay on Top, Stay in Touch
Repeated communication can spur referrals to pour in
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Look to the Great White North
Despite the weak Canadian dollar, it’s still an excellent time to finance a home in the U.S.
By Alain Forget, director of U.S. business development, RBC Bank

Get Ready to Make the Grade
Preparation and clear thinking are keys to passing the national licensing exam
By Rich Leffler, director of training/senior instructor, AxSellerated Development

Keep Others in Mind to Grow Your Business
Successful companies focus on borrowers, referral partners and building a strong, dedicated team
By Rick Scherer, senior mortgage planner, MSA Mortgage

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