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November 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
The industry and regulators can find common ground
By Will McDermott, managing editor, Ask a Lender

Featured Top Originator: Yinan Nancy Sun
Yinan Nancy Sun, Austin First Mortgage, No. 11 Most Loans Closed (2015), No. 27 Top Dollar Volume (2015)
By Rob Crow, former editor, Scotsman Guide Media

Q&A: Burton Embry, president, Mortgage Compliance Professionals Association of America
New association for compliance professionals hits the ground running
By Will McDermott, managing editor, Ask a Lender

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

Uncertainty clouds rising home prices
By Rick Sharga, executive vice president, Ten-X

Spotlight: Nebraska
By Will McDermott, managing editor, Ask a Lender

Women face inequities in mortgage borrowing
By Bill Lewis, former editor, Scotsman Guide Commercial Edition; and Victor Whitman, editor, Scotsman Guide Media




Nightmare Scenario for Compliance
You have to get the timing just right on Closing Disclosures
By Janice Minchenberg, director of implementation management, Digital Risk

A Culture of Care
Sustainable compliance requires scalable core values and nimble employees
By Rick Toma, chief operating officer, The Money Source

How to Fix FICO Scores
Help borrowers repair cracks in their credit rating to qualify for loans
By Ali Zane, CEO, iMax Credit Repair

The Joy of Interest Rate Forecasting
Getting predictions correct isn’t easy, but it is still important to try
By Amy Crews Cutts, chief economist, Equifax

Machine Learning Offers a Way Forward
Computer technology promises to spur a rebirth in mortgage margins
By Lance Poole, head of product and co-founder, Maxwell

Closing Agents and Murphy’s Law
If your lending partners aren’t wary, things could go terribly wrong at the closing table
By Regina M. Lowrie, founder, president and CEO, RML Advisors

Digging into Early HMDA Data
Purchases and refis are in a dead heat for 2015 originations volumes
By Mark Fogarty, senior contributor, GoRion

Online Advances Create Better Connections
Technology can link real estate deals and mortgage financing
By Rey Maninang, senior vice president and national sales director, Carrington Mortgage Services LLC

Big Data Is a Game Changer
The tools to develop an integrated mortgage-information system are now available
By Chami Akmeemana, managing director for global markets, Global Risk Institute; and Guy Pearce, managing partner, REData Performance Consulting

Creating a Clear Reflection
Accuracy is paramount in the online complaint process
By Stephanie Ziebell, vice president and corporate counsel, Waterstone Mortgage Corp

Building Marketing Pillars
Focus on lead-generation efforts to strengthen your business foundation
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Get the Service You Deserve
Add timeliness, compliance and communication to the list of qualities you require from appraisal partners
By William Fall, founder and CEO, William Fall Group

Expanding the Box of Opportunity
Lowering the credit bar for jumbo mortgages can unlock the American dream for many
By Matthew J. Tomiak, managing director, Redwood Trust Inc.

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