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May 2017 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
Borrowers don’t need to see the sausage being made
By Will McDermott, managing editor, Ask a Lender

Featured Top Originator: Mark Cohen, Cohen Financial Group
By Steven Wyble, former online content editor, Scotsman Guide Media

Q&A: Nikitra Bailey, Center for Responsible Lending
The bar for credit, not consumer protection, needs to be lowered
By Will McDermott, managing editor, Ask a Lender

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

Finally, the foreclosure crisis has ended
By Rick Sharga, executive vice president, Ten-X

Spotlight: Minnesota
The Gopher State is forging a new path to prosperity.
By Will McDermott, managing editor, Ask a Lender

The fix-and-flip market still has some fast track ahead
By Neil Pierson, editor in chief, Scotsman Guide Media




Navigating Red Flags
Understanding Collateral Underwriter messages can improve your appraisal process
By Richard Garrie, chief appraiser, United States Appraisals

You Must Give to Receive
Adding value for Realtor partners helps build relationships and referrals
By Bubba Mills, CEO and owner, Corcoran Consulting & Coaching Inc.

Finding Comfort in History
Rising interest rates won’t wipe out the mortgage industry in 2017
By Brent Nyitray, director of capital markets, iServe Residential Lending

Digital Ads Pack a Punch
Incorporating online marketing into your promotion strategy expands your reach
By Lauren Walker, director of content, Adwerx

Avoiding Underwriting Pitfalls
Ask the right questions during preapproval to head off issues
By John Pataky, executive vice president, EverBank

A Legacy of Respect
The habits of successful originators haven’t changed in a quarter century
By Malcolm B. Hollensteiner, regional director, George Mason Mortgage LLC

Designing With Intention
Adoptimization can eliminate wasted potential in loan origination systems
By Linn Cook, director of sales and marketing, LendingQB

Bring Back the Buy-Down
Paying points on a mortgage fell out of favor, but the tide is once again turning
By Aron Rofer, president and general counsel, Power Choice Mortgage Advisors

The One-Two Punch to Rising Rates
Adjustable rate mortgages can win over skeptical borrowers with lower rates and higher security
By Kasey J. Marty, executive vice president, Guaranteed Rate

The Divine Promise of Paperless
Process improvements are the next step toward digital mortgage nirvana
By Seth Kronemeyer, vice president and vertical-marketing leader, Equifax Mortgage Services

Underwriting Reverse Mortgages
New Home Equity Conversion Mortgage regulations require extra documentation
By Yanni Raz, CEO, HML Investments

Keep Calm and Carry On
Dealing with negative online reviews takes tact and professionalism
By Houtan Hormozian, vice president, Crestico Inc.

Wooing Talent Requires Strategy
The tech industry offers mortgage professionals a smorgasbord of ideas
By John Paasonen, CEO and founder, Maxwell

Smaller Is Mightier
Independent mortgage companies can better capture millennials
By Esther Phillips, senior vice president, Key Mortgage Services Inc.

Painting a Full Credit Picture
Not all borrowers fit into traditional risk categories
By Carla Blazek, underwriting manager, Inlanta Mortgage

The Dream Team
Automatic underwriting systems help originators and underwriters approve loans quickly
By Craig Robertson, vice president of underwriting, Waterstone Mortgage Corp.

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