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July 2018 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
A decade later, all eyes are on Fannie and Freddie
By Jim Davis, editor, Scotsman Guide Residential Edition

Featured Top Originator: Mike Roberts, City Creek Mortgage Corp.
By Steven Wyble, former online content editor, Scotsman Guide Media

Q&A: Mark Zandi, Moody’s Analytics
How to get Freddie Mac, Fannie Mae out of government conservatorship
By Jim Davis, editor, Scotsman Guide Residential Edition

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

The housing market is now on a purchase path
By Mike Fratantoni, chief economist and senior vice president of research and industry technology, Mortgage Bankers Association

Spotlight: Wyoming
Wyoming is fueled up and ready to grow.
By Bill Conroy, editor in chief, Scotsman Guide Media

Some markets face a higher risk of home-price declines
By Jim Davis, editor, Scotsman Guide Residential Edition




Meet the Best 2018
Who are the top-producing niche loan officers by state?
By Will McDermott, managing editor, Ask a Lender

Blazing a Trail Through the GSE Jungle
Housing-finance reform doesn’t require hacking away the current system
By Bill Giambrone, president and CEO, Platinum Home Mortgage

Fill Your Toolbox With the Right Loans
Originators must be flexible, nimble and up to date with new offerings
By Laura Brandao, president, American Financial Resources

You Should Learn More About These Loan Options
Fannie and Freddie offer attractive alternatives to tried-and-true FHA financing
By Francis A. Betancourt-Molina, senior vice president, Florida Capital Bank Mortgage

VA Loans Create Opportunity and Responsibility
A recent crackdown on loan churning promotes transparency, but more education is needed
By Kraig Spence, manager, Churchill Mortgage's Columbia, Maryland, branch

It’s Smart Business to Reach Diverse Borrowers
As demographics shift, originators should seek to connect with fast-growing populations
By L. Maria Vergara, president, NAHREP Consulting Services

The GSEs Are Spreading Their Wings
The FHA loan program faces increasing competition from the big boys on the block
By Paul Isola, regional vice president of operations, Mountain West Financial Inc.

Be Prepared for the GSE Road Ahead
Fannie and Freddie are evolving, and your business plans should reflect that reality
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

Build Better Neighborhoods One Green Loan at a Time
Energy-efficient financing can do good for you and the community
By Houtan Hormozian, vice president, Crestico Inc.

Deal-Makers Are Masters of Loan Options
It pays to have a command of government-backed and conventional mortgage programs
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Blockchain Has Blockbuster Potential
This leading-edge technology can make mortgage transactions faster, safer and paperless
By James V. Luisi, chief information and chief technology officer, KeyStoneB2B

Virtual Reality Can Boost Originator-Recruiting Efforts
Mortgage companies need to understand how technology can energize job candidates
By Jeff Jensen, past president, Washington Mortgage Bankers Association

Rural Areas Need New Homes and This Loan Can Help
USDA pilot program benefits borrowers, originators, builders and real estate agents
By Patrick Welberg, senior vice president, Academy Mortgage Corporation

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