18 | From the Editor
Congress needs to prepare for a brewing storm.
20 | Featured Top Originator
Ryan Shane of Sammamish Mortgage started out in the
family mortgage business answering phones.
22 | Q&A: Equifax
Economist Amy Crews Cutts believes an external economic
shock could spark the next recession.
24 | News Roundup
Catch up on recent issues and trends in the
28 | DataDecoded
Mortgage-default rates spike after natural disasters.
30 | Spotlight: Washington
The Evergreen State leads in innovation.
32 | Commercial Highlights
Check out what’s happening in this month’s
Scotsman Guide Commercial Edition.
162 | BackSpace
The shift to a buyer’s market is fraught with complexities.
Volume 25: Issue 11
35 | Key Insurance Pool Needs
More Than a Life Preserver
Congress should permanently fix the broken
National Flood Insurance Program
Amy Forester Roberti,
Independent Community Bankers of America
40 | A Mortgage Broker Revival
Could Be in the Offing
Flexibility with products, pricing and options
is key in challenging times
54 | Cash in on the Booming HELOC Market
Using the right technology reduces costs and improves
Scotsman Guide Residential Edition | ScotsmanGuide.com | November 2018 6