Volume 24: Issue 6
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
Sales Director/Principal: Todd Britton-Simmons
Senior Account Executive: Ray Murphy
Sales Associate: Cody Noyes
Sales Support: Aireal Hart
Editor in Chief: Rania Efthemes
Managing Editor: Bill Conroy
Editor/Residential Edition: Will McDermott
Editor/Commercial Edition: Neil Pierson
Chief Reporter: Victor Whitman
Web Coordinator/Analyst: Krista Lowry
Matrix and Loan Post firstname.lastname@example.org
Manager: Garrett Geiger
Analyst: Michelle Settimo
Creative Director: Dennis Wunsch
Senior Designer: Chuck Howard
Senior Designer: Paula Douglass
Senior Designer: Karen Steichen
Senior Interactive Designer: Jeffrey Sabourin
Publications Coordinator: Julie S. Murphy
Software Development email@example.com
Patty Arvielo, Daren Blomquist, Tammy Butler, Jon Gerretsen, Robert Greenberg,
Mike Kinane, Mark McElroy, Joe Melendez, Jim Paolino, Nathan Rufty, Bob Selingo,
George Shkutov, Ski Swiatkowski, Steven Wyble, Maria Zywiciel
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 firstname.lastname@example.org.
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 Pages 14 and 16, 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: scotsmanguide.com/write.
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.
POSTMAS TER: Send change-of-address forms to: Scotsman Guide/Circulation Dept.,
P.O. Box 692, Bothell, WA 98041-0692.
©2017 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 »
167 Resource Directory »
168 Residential Directory »
87 Prime Niches »
95 Prime First Mortgages »
131 Nonprime Niches »
135 Nonprime First Mortgages »
Branch Opportunities »
Warehouse Lending Facilities »
Correspondent Lending »
Hard Money »