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N A T I O N A L
Lykken on Leadership: Leaders Are Survivors By David Lykken
D E C E M B E R
32 The Most Expensive/Affordable Housing Markets of 2013 By Phil Hall
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A SPECIAL FOCUS ON “GROWTH STRATEGIES FOR 2014”
Regulations to Shape the Future of the Industry in 2014 By Robert Ottone ....................................................56 Plan to Win 2014 By Erik Janeczko ......................................58 Banker to Broker By Andy W. Harris, CRMS ..........................60 Preparing for 2014: A Year of Transition That’s Likely to be a Bumpy Ride By Chris Whalen ............63 What Are You Doing to Strengthen Your Hold on the Marketplace in 2014? By Ryan Kelly ......................65
34 The Hedgehog and the Fox: A Regulatory Parable By Jonathan Foxx
FEATURES Relationship Marketing By K. Justin Restaino ........................8 The Elite Performer: Dave the Mortgage Broker By Andy W. Harris, CRMS ........................................................8 Dinosaurs May Not Rule the Earth, but They Are Still Around By Eric Weinstein........................................10 ValueNation: Why Lenders Relying on the 4Cs of Automated Review Thrive By David Rasmussen ..............16 Marketing Compliance Corner: Social Media Revisited By Michael J. Wallace Esq. ......................................18 NAMB Perspective: December 2013 ............................20
46 NMP Mortgage Professional of the Month: Andrew Peters, CEO, First Guaranty Mortgage Company By David J. Coster
66 National Mortgage Professional Magazine’s 40 Most Influential Mortgage Professionals Under 40
CFPB Publishes Integrated Disclosures Final Rule By Laurie Spira ....................................................................26 Are Appraisal Desks Compliant? By Greg Reynolds ..........28 NMP’s Economic Commentary: Can House Prices Continue Rising? By Dave Hershman ..................................30
V I S I T Company
Web Site
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AllRegs.............................................................. www.allregs.com ..........................................................58 American Financial Resources Inc........................ www.afrwholesale.com/wd ......................Inside Back Cover Brokers Compliance Group.................................. www.brokerscompliancegroup.com ..................................39 CallFurst.com ...................................................... www.callfurst.com ............................................................62 Calyx Software .................................................. www.calyxsoftware.com ................................................47 Continental Home Loans, Inc. ............................ www.continentalhomeloans.com ......................................5 Document Systems, Inc./DocMagic ...................... www.docmagic.com ......................................................37 Emerald Creek Capital ........................................ www.emeraldcreekcapital.com ......................................41 Fifth Third Mortgage .......................................... www.53.com/wholesale/contact ......................................29 First Guaranty Mortgage Corp. ............................ www.fgmcwholesale.com ..............................................31 Global DMS........................................................ www.amcmatch.com ......................................................15 GSF Mortgage Corp. ............................................ www.gsfsales.com ..........................................................7 Hometown Lenders ............................................ www.hometownbranch.com ..........................................13 Maverick Funding Corp....................................... www.maverickbranch.com ............................................23 Menlo Park Funding .......................................... www.mpfunding.com ....................................................11 Mortgage Banking Services Direct........................ www.lykkenonlending.com ............................................60 Mortgage Mapp, Inc. .......................................... www.mortgagemapp.com/MO ........................................25 NAPMW ............................................................ www.napmw.org ..........................................................43