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November 2018 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
By Jim Davis, editor, Scotsman Guide Residential Edition

Featured Top Originator: Ryan Shane, Sammamish Mortgage
By Steven Wyble, former online content editor, Scotsman Guide Media

Q&A: Amy Crews Cutts
Recession naysayer explains what to really worry about
By Jim Davis, editor, Scotsman Guide Residential Edition

News Roundup
By Victor Whitman, editor, Scotsman Guide Media

Data Decoded
Mortgage-default rates spike after natural disasters
By Frank E. Nothaft, chief economist, CoreLogic

Spotlight: Washington
The Evergreen State leads in innovation
By Jim Davis, editor, Scotsman Guide Residential Edition

The shift to a buyer’s market is fraught with complexities
By Neil Pierson, editor in chief, Scotsman Guide Media




Key Insurance Pool Needs More Than A Life Preserver
Congress should permanently fix the broken National Flood Insurance Program
By Amy Forester Roberti, vice president of congressional relations, Independent Community Bankers of America

A Mortgage Broker Revival Could Be in the Offing
Flexibility with products, pricing and options is key in challenging times
By Michael Read, principal and founder, Bridgeway Mortgage

Cash in on the Booming HELOC Market
Using the right technology reduces costs and improves approval-turnaround times
By Tim Smith, co-founder and president, FirstClose

Learn From the Ghosts of the Past
Post-recession regulations remain in place despite what may feel like lax enforcement
By Burton Embry, senior vice president of enterprise risk management, Primary Residential Mortgage Inc. (PRMI)

New Mortgage Application Puts Everyone on the Same Page
Originators, lenders and technology partners should understand the changes
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

Gig-Economy Workers Deserve Another Look
Tightening lending standards have left many on the homebuying sidelines
By Tom Hutchens, executive vice president of production, Angel Oak Mortgage Solutions

Video Connects People in the Mortgage Business
Get your message across while personalizing yourself and your company
By Shirleen Von Hoffmann, principal, Home Builders Edge

Don't Lose Your Cool When You Get Audited
There are ways to survive and thrive a gut-wrenching process
By Phil Mastin, assistant vice president and director of regulatory affairs, United Wholesale Mortgage; and Jeff Midbo, senior vice president and chief compliance officer/deputy general counsel, United Wholesale Mortgage

These Leadership Traits Will Serve You and Others Well
The mortgage industry needs to move away from a sink-or-swim mentality with new employees
By Mike Hardwick, president, Churchill Mortgage Corp.

What Happens in Emerging Markets Doesn’t Stay There
Economic woes in nations like Turkey, Iran and Argentina can impact the U.S. housing market
By Dick Lepre, senior loan adviser, RPM Mortgage

A Privacy Law Heard Around the World
Mortgage companies should take seriously new data-protection efforts spawned by EU
By Kathryne (Kate) M. Morris, privacy and technology lawyer, Clark Hill Strasburger; and Stacey Geringer, president, Collabrian Design & Technology and Mortgage Bank Solutions

Unleash the Potential of the Inbox
Here’s why you should be paying attention to Google’s new AMP tool
By Joe Pekula, marketing manager, WebMax

Viewpoint: It’s Time for a New Regulatory Paradigm
More balanced oversight is required to ensure fair competition in the mortgage industry
By Scott Olson, executive director, Community Home Lenders Association

Appraisers Are at a Crossroads
There is a growing need for a better regulatory system for the appraisal industry
By James L. Murrett, president, Appraisal Institute

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