RESIDENTIAL EDITION VOLUME 20 ISSUE 12 DECEMbEr 2013
Taking stock of all that’s come before
may help you plan for the future
By Rick Tobin, First Financial Bancorp
Watch out for problems associated with
amortizing home equity lines of credit
By Allen H. Jones and
Leah Price, RiskSpan Inc.
Develop a plan to deal with increasing
rates and declining refinances
By Joe Bauer, Fidelity Bank
This past year has been a wild ride for the mortgage industry, as brokers and
bankers watched a variety of factors change the very fabric of the mortgage-lending arena. Taking a look back at the intricacies of what got the industry here
may help mortgage originators prepare for the twists and turns that lie ahead.
By Ray Brousseau, Carrington Mortgage Services LLC
CMG Financial’s Rodrigo Ballon tells us how
he achieves high purchase volumes.
Plus: From the Editor
The National Housing Conference takes a look
at what 2014 may bring for the industry.
Plus: In the Past Month
What impact are institutional investors
having on the housing market?
The Cornhusker State’s economic stability
has anchored it through the recession.
Check out what’s happening in this month’s
commercial edition of Scotsman Guide.
Take a look back at the events
and milestones that shaped
the mortgage business
Find a bridge over
lift you over the rest
get government help
Will the engine that
drives the economy
Our call for entries is coming
next month. Find out more at