Contents
36 | Clients Facing Foreclosure?
You Can Help
Become an expert on foreclosure-avoidance methods to keep clients in
their homes
By Deborah McNaughton,
Professional Credit Counselors Inc.
38 | Education Starts at the Top
Mortgage companies must implement
a comprehensive and ongoing training
program
By Christa L. Nadeau, Mann Mortgage LLC
42 | How Delinquencies
Can Disappear
The re-aging process may help erase late
payments from clients’ credit reports
By Daniel Poulos,
Mortgage Works/Elite Lending
44 | Adjust to a Generational Shift
Mortgage companies should keep up
with Generation Y’s coming of age
By Missy Zakett,
Western Union Global Business Payments
Tools & Tips
21
21 | Educating Through Change
As regulatory and other changes pile up, mortgage professionals should
prepare for the alterations yet to come. Those who plan best can educate
themselves and others effectively, gain competitive advantages, and establish
market dominance. In many cases, your reactions to change mean more than
the changes themselves.
By Ginger Bell, Go2Training
50 | 5 Ways to Thrive
Separate yourself from the competition
and ensure your future survival
By Dale Vermillion,
Vermillion Consulting Inc.
54 | Assuring Quality at Every Step
Add these teams to your business to
increase transparency and reduce risk
By Lisa Binkley,
Equifax Verification Services
Departments
14 | From the Editor
How education can keep your business
strong. Plus: In the Past Month
16 | Q&A: Upfront Mortgage
Brokers Association
Why the word “broker” should be carried
proudly. Plus: Featured Top Originator
18 | Spotlight: New Jersey
The Garden State’s foreclosure backlog
could last 50 years.
66 | BackSpace
A true-life tale of mortgage crime …
and punishment
Articles
28 | 10 Ways to Avoid a Data Breach
Deploy best practices to protect your
clients’ information
By Denis G. Kelly,
Identity Ambassador Commission
32 | Can a Client Have 2 FHA Loans?
Believe it or not, there are times when
this scenario may be allowed
By Rebekah Radice, Benchmark Mortgage
32 | Brighter Days Lie Ahead
For dedicated originators, market
improvements should soon pay off
By Vince Parlove, Michigan Mutual Inc.
54 | Activate Your Clients’
Mental Filter for Referrals
Understanding how the brain works can
keep new business coming your way
By Jeffrey Nunley,
Evergreen Pacific Mortgage
58 | Know Your Business to
Grow Your Business
To be a better originator, understand all
aspects of your company and the industry
By Gary Opper, Approved Financial Corp.
59 | 3 Steps to Success
Originators who are consistent and
persistent are best positioned to grow
their business
By Ralph LoVuolo Sr., Mortgage Motivator
Cover image: Amusement Park at Steel Pier, Atlantic City, N. J.,
courtesy of gary718/ Shutterstock.com
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