18 | From the Editor
Look to the past for your future business.
20 | Featured Top Originator
Guild Mortgage’s Julie Johnson started in the industry
as a single mom looking for flexible hours and her
competitiveness has helped her flourish.
22 | Q&A: Fannie Mae
Chief economist Doug Duncan sees positive but slower
growth for the U.S. through 2019.
24 | News Roundup
Catch up on recent issues and trends in the
28 | DataDecoded
A slow and steady rental market wins the affordability race.
30 | Spotlight: Michigan
The Wolverine State remains on the move.
32 | Commercial Highlights
Check out what’s happening in this month’s
Scotsman Guide Commercial Edition.
150 | BackSpace
The home-construction market faces strong headwinds.
Volume 26: Issue 3
37 | The Real End of the Rainbow
Too many originators fail to capture the pot of gold
of past clients
Mike Eshelman of Jornaya and
Scott Payne of Home Captain
54 | Here’s the Secret to Building
Focus on these four areas to win at the mortgage game
in the year ahead
Ryan Kelley, The Home Loan Expert, LLC
57 | Viewpoint: Untangling the GSE Mess
Let’s examine the potential paths forward
for Fannie Mae and Freddie Mac
Dick Lepre, RPM Mortgage
Scotsman Guide Residential Edition | ScotsmanGuide.com | March 2019 6