Volume 23: Issue 1
Printed in USA
Scotsman Guide is published monthly by Scotsman Guide Media
P.O. Box 692, Bothell, WA 98041-0692
TEL: (800) 297-6061 FAX: (425) 485-3550
Chairman of the Board
Brian B. Simmons
Executive Vice President of Sales: Todd Britton-Simmons
Senior Account Executive: Ray Murphy
Editor in Chief: Rania Efthemes
Managing Editor: Bill Conroy
Editor/Residential Edition: Rob Crow
Editor/Commercial Edition: Bill Lewis
Chief Reporter: Victor Whitman
Digital Marketing Strategist: Krista Humphres
Production/Editorial Coordinator: Alexis Henry
Matrix and Loan Post email@example.com
Manager: Garrett Geiger
Specialist: Michelle Settimo
Creative Director: Dennis Wunsch
Senior Designer: Chuck Howard
Senior Designer: Paula Douglass
Senior Interactive Designer: Jeffrey Sabourin
Software Development firstname.lastname@example.org
John F. Cady, Michael Chan, Todd Duncan, Hunt Gersin, Barry Hays, Denis G. Kelly,
Heather Kerns, Paul M. Peters, Jeremy Potter, Yanni Raz, David H. Stevens,
Policies and Use
Scotsman Guide – Residential Edition (ISSN 2154-5871) is made available only to licensed mortgage
originators and not to the general public. Subscribe to Scotsman Guide online at scotsmanguide.com/
subscribe. We provide one free ongoing subscription to each licensed mortgage origination office. For
additional copies or to manage subscription information,
call (800) 297-6061 or e-mail email@example.com.
Annual subscription rates are based on mailing all magazines to the same address.
Either residential or commercial – $40 per year
Both residential and commercial – $50 per year
For each additional copy, add $10 per year
VISA, MasterCard and American Express accepted
Space on Scotsman Guide’s cover and in its matrixes, as well as advertisements listed on Page 14, are
sold as paid advertising. Scotsman Guide Media makes decisions regarding editorial placement and
content independent of all advertising influence. More about Scotsman Guide Media’s editorial policy:
The information and opinions expressed in our editorial articles, advertisements and letters to the editor
do not necessarily reflect the opinions of Scotsman Guide Media. Inclusion of an article or advertisement
in Scotsman Guide should not be construed as a recommendation or endorsement by Scotsman Guide
Media or any of our contributors or advertisers.
Scotsman Guide Media takes pride in precise reporting of the data found herein. The information
found in Scotsman Guide is confirmed or updated monthly from independent sources believed to be
reliable. Nonetheless, because of the volume of information reported, occasional errors may occur.
We assume no obligation or liability for the accuracy, timeliness or completeness of any information.
Because of the nature of the mortgage industry, financial terms and availability of funds are always
subject to change without notice. This publication is not intended for use by the general public.
Scotsman Guide — Residential Edition (USPS 025-513) is published monthly, 12 times a year, by Scotsman
Guide Media, 22118 20th Ave. SE, Suite 129, Bothell, WA 98021-4417.
Periodicals Postage Paid at Bothell, Wash., and at additional mailing offices.
POS TMAS TER: Send change-of-address forms to: Scotsman Guide/Circulation Dept.,
P.O. Box 692, Bothell, WA 98041-0692.
©2016 Scotsman Guide Media. No part of this publication may be reproduced in any form whatsoever
without written authorization of its publisher. Mortgage professionals may print or photocopy Scotsman
Guide Media’s matrixes, directories and articles for their internal business use only but may not distribute
these materials to third parties.
Events Directory »
Resource Directory »
137 Residential Directory »
67 Prime Niches »
83 Prime First Mortgages »
111 Subprime Niches »
113 Subprime First Mortgages »
Branch Opportunities »
Warehouse Lending Facilities »
Correspondent Lending »
Hard Money »