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» On Mortgage Metrics: Residential
scotsmanguide.com/resmetrics
“In the first quarter of 2010, average FICO scores
for new deals for the rest of the country caught
up with those of the Sand States but have
subsequently fallen back, ending at 694 in the past
first quarter. During the same time frame, average
FICO scores appeared to have recovered in the
Sand States, hitting 708 in the past first quarter,
slightly below their all-time high.”
— Dan Yeh, June 14
Average FICO Scores
Illustration: Dennis Wunsch
Source: Scotsman guide Loan Post
sctsm.in/4592
Focus: SuStainable practiceS
A green lifestyle doesn’t just entail shopping with reusable bags, driving a hybrid car or wearing
clothes made from hemp. Authors of these past Scotsman Guide articles discuss how conducting
more closings electronically or helping your clients find more energy-efficient homes — or
energy-efficient mortgages — can reduce your business’s ecological footprint and build your
expertise in a growing niche.
Our Mortgage Metrics: Residential blog
presents news and updates from around
the industry. Check out regular posts at
scotsmanguide.com/resmetrics.
Interested in being a guest blogger?
E-mail blogs@scotsmanguide.com.
Tools and resources
Move Forward with Green Financing
(May 2011)
By Susan Frost, Alliance Mortgage
and Marketing
sctsm.in/4592
Rev Your Green-Lending Engine
(September 2010)
By Dakota Gale, Earth Advantage Institute
sctsm.in/4257
Get Hip to Generation Y
(September 2010)
By Missy Zakett, Western Union
Global Business Payments
sctsm.in/4256
The Time for E-Closings Is Now
(August 2010)
By Janine M. Atamian, Lincoln
Appraisal & Settlement Services
sctsm.in/4237
Find Solutions in the Clouds
(April 2010)
By Dain Ehring, Dorado Corp.
sctsm.in/4076
Cut Costs by Going Green
(March 2010)
By Randall Nachman, ATLOS LLC
sctsm.in/4023
Smaller Homes Becoming a Bigger Deal
(April 2009)
By Kathleen O’Brien, O’Brien & Co.
sctsm.in/3515
Going Fully Paperless
(March 2009)
By Steve Brooks, Flagstar Bank
sctsm.in/3486
NEW oNLINE THIs MoNTH
Plan for Success or Plan on Failure
There’s no time to waste when it comes to improving your business
By Ralph LoVuolo Sr., Mortgage Motivator
sctsm.in/4687
» ; Scotsman Guide Loan Post
Post a loan scenario and receive lender
replies — for free.
scotsmanguide.com/loanpost
» Niche Lenders
Who can do a loan for that specialty property?
Check out our list.
scotsmanguide.com/resniche
» Search Wizard
When you’re unsure what type of lender has
a program for your borrower, let our wizard
do the work.
scotsmanguide.com/reswizard*
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» We want to hear from you!
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Darrick Meneken/residential edition:
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Jennifer E. Garrett/commercial edition:
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