Scotsman Guide - December 2009 Residential Edition

16

38;|;Is;This;the;Year;You
Hire;or;Retire?

Change abounds, and it dictates if you will grow or move along By;Mitch;Harmann,

USA Funding Corp.

16;|*;LEAD;ARTICLE:**;Inside;the;Reg;Z;Maze*

The Federal Reserve Board is accepting comments on its numerous proposed changes to Regulation Z — including stipulations about yield-spread premiums and annual percentage rates — until Dec. 24. It could be time for you to speak up.

By;Richard;Smith, American Acceptance Mortgage Inc.

Tools and Tips

40;|;A;New;Decade,;a;New;Outlook Flip the calendar with gusto by following these five tips

By;Tim;Davis, Titan Home Loans

Departments

12;|;From;the;Editor

What MBA conference attendees had to say about the broker channel. Plus: Tip of the Month

14;|;Spotlight;on;Reno,;Nev. Foreclosures and unemployment are dragging down the Biggest Little City in the World. Plus: Q& A with “TBWS Daily” co-hosts

Articles

20;|;How;to;Persevere
After;the;Party

As independent brokers wane, others will find ways to stay afloat By;David;Olson, Access Research

23 | Pending Changes
Require;Attention

Changes to APR and yield-spread-premium calculation highlight Reg Z plan By;Christopher;Cruise,

Lender Training.com

24;|;Settling;the;New
RESPA;Frontier

Consider four key attributes in your title company’s settlement services By;Tanya;Themistokleous, Closeline Settlements

26;|;YSP;Needs;Your;Support

The disappearance of this payment source would have drastic repercussions By;Jon;Bodan,

The Perpetual Financial Group Inc.

27 | Government-Lending
Changes;to;Know

FHA, VA and USDA are important and evolving options in today’s market By;Fred;Chamberlin,

Alpine Mortgage Planning

28;|;New;Law;Targets
Broker;Deceit

Fraud Enforcement and Recovery Act increases industry oversight By;Kathleen;A.;Nelson,

Lane Powell PC

30;|;What’s;Under;Your
Lender’s;Hood?

Ensure your financing source employs process solutions that help you thrive By;Rob;Katz, Del Mar Data Trac

31;|;The;Changing;Face
of;Education

Brokers can use strict standards to set themselves apart from bank lenders By;Jeri;Lynn;Fox, USA Mortgage Corp.

32;|;Notary;Choice;Shouldn’t
Be;a;Side;Note

Referrals and repeat business can hinge on borrowers’ experience at the closing table

By;DK;King, The Power Funding Group LLC

41;|;Building;Business,

140;Characters;at;a;Time The key to leveraging the power of Twitter is to provide value

By;Chik;Quintans, Atlas Mortgage

43;|;6;Ways;to;Protect
Your;Pipeline

Taking these steps could help you keep your clients all the way to closing

By;Douglas;Smith, Douglas Smith & Associates

scotsmanguide.com What’s new online in December

» Seller financing

Tips on creating seller-backed notes sctsm.in/3862

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