RESIDENTIAL EDITION VOLUME 21 ISSUE 2 fEbrUary 2014
30 | Tapering Expectations
New regulations and Fed policies will
shape mortgage-business trends this year
By Rick Tobin, First Financial Bancorp
40 | Special Report: The Real
Estate Recovery Is Local
National trends paint a rosy picture, but
local data is more telling
By Randy Wussler, DataQuick
43 | Find the Right Fit of Niches
Dodd-Frank regulations may temporarily
hinder, but not eliminate, specialty
services and products
By Patti White, Norcom Mortgage
48 | You’ve Got an Advocate
The Office of Advocacy communicates
the voice of small businesses
By Jennifer A. Smith,
U.S. Small Business Administration
27 | Take the Long View on Compensation Changes
The Consumer Financial Protection Bureau has issued a wealth of rules and regulations in
the past few years, but the loan-originator compensation rule is particularly important for
mortgage brokers and originators. The terms of this rule are complex and can affect not
only compensation but also meeting qualified mortgage standards. Do you know all that
you need to ensure that your compensation is compliant?
By R. Colgate Selden, Alston & Bird LLP
16 | Featured Top Originator
Susan Valente tells us the advantages of
working for a credit union like the State
Employees Credit Union of Maryland Inc.
Plus: From the Editor
18 | Q&A: Urban Institute
The Urban Institute discusses market trends and
its newly formed Housing Finance Policy Center.
Plus: In the Past Month
20 | DataDecoded
Multiple approaches can be taken in
measuring housing bubbles.
22 | Spotlight: Florida
The Sunshine State’s economic prospects are
24 | Currently in Commercial
Check out what’s happening in this month’s
commercial edition of Scotsman Guide.
114 | BackSpace
Subprime is back, but lenders say it’s a
whole new animal.
Life insurance companies
take a bigger lending role
beneath upfront fees
Will lending roll
in this year?
MBA on the prospects
of commercial real estate
finance: Page 16