18 | From the Editor
The importance of underwriting should not be lost.
20 | Featured Top Originator
Ryan Sawyer of Low VA Rates enjoys working with veterans.
22 | Q&A: Appraisal Institute
James L. Murrett spoke with Scotsman Guide about the value
of good appraisals.
24 | News Roundup
Catch up on recent issues and trends in the
28 | DataDecoded
Lower rental-home vacancy rates spur faster rent growth.
30 | Spotlight: Maine
Maine has only recently rebounded from the recession.
32 | Commercial Highlights
Check out what’s happening in this month’s
Scotsman Guide Commercial Edition.
178 | BackSpace
Millennials may find alternate paths to homeownership.
Volume 25: Issue 5
Scotsman Guide Residential Edition | ScotsmanGuide.com | May 2018 6
37 | Underwriting Predictability Is the
Elephant in the Room
Improvements have been made but issues still remain
Scott Olson, Community Home Lenders Association
42 | Predictive Analytics in Underwriting
Art and science must remain in balance when using
Brian Kucab, Genworth Mortgage Insurance
46 | Two Types of Underwriting
Traditional lenders assess risk differently than private
Ian Walsh, Hard Money Bankers LLC