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40 Under 40: The Most Influential Mortgage Professionals Under 40

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A SPECIAL FOCUS ON “GROWTH STRATEGIES FOR 2016”

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A Year of Change Positions the Mortgage Industry for a Promising 2016 By Dan Goldman ..............................................................56

Everything You Wanted to Know About TRID, But Were Afraid to Ask By Marc Israel

The New Frontier: Real Estate Crowdfunding By Steven Kaufman, CPA, MsEDE ..................................................................60

Going Modern: Embracing Technology for a Seamless Consumer Closing Experience By Aaron King ............................................58

Steps to Making 2016 a Banner Year By Paul M. Peters, CMB ..................62 Formulating Your Official Business Plan for the Coming Year By Eric Weinstein ............................................................................................63 How to Achieve Those New Year’s Goals By Kerry Johnson, Ph.D. ..........64 Three Keys to Profitable Mortgage Lending for 2016 By Paul Doman......66 An Appraisal Industry Forecast for 2016 By Tom Hurst..............................68

53 Who’s Afraid of Google Compare for Mortgages? By Phil Hall

FEATURES Progress Is Not Possible Without Change By Paul Lucido ..........................8 The Elite Performer: Work During the Holidays By Andy W. Harris, CRMS ................................................................................8 Use the “V” to Fly Higher (and Easier) in Mortgage Lending By Bubba Mills ................................................................................................10 The End of Interest Rate Selling ..................................................................16 2015: A Big Year for Non-Prime By Tom Hutchens ....................................18 NAMB Perspective ........................................................................................20 What You Need to Know About the HomeReady Loan By Karen Deis ....24 The Five Cs of Lending … With a Twist By Michael Boggiano ..................26

74 The Home Mortgage Disclosure Act: Big Changes on the Way By Jonathan Foxx

V I S I T Company

Web Site

O U R

A Page

Agility Resources Group ...................................... www.agilityresourcesgroup.com ......................................65 American Financial Resources Inc. ...................... www.afrwholesale.com/wd-benefits ....................Back Cover Angel Oak Mortgage Solutions ............................ www.angeloakms.com ..................................................25 Assurance Financial............................................ www.lendtheway.com ....................................................39 Brokers Compliance Group.................................. www.brokerscompliancegroup.com ..................................88 Caliber Home Loans.............................................. www.caliberwholesale.com ..............................................11 CallFurst.com ...................................................... www.callfurst.com ............................................................59 Carrington Mortgage Services, LLC ...................... www.carringtonwholesale.com ..............................29 & 58 Comergence Compliance Monitoring, LLC ............ www.comergencecompliance.com ..................................57

81 Step Inside Ginnie Mae By Ted W. Tozer

Document Systems, Inc./DocMagic ...................... www.docmagic.com ........................................................7 Equity Prime LLC................................................ www.equityprime.com ..................................................56 First Guaranty Mortgage Corp. ............................ www.fgmc.com ..............................Inside Front Cover & 60 Flagstar Bank .................................................... www.flagstar.com/ae ....................................................17 HomeBridge Wholesale ...................................... www.homebridgewholesale.com ....................................13 LendingHome .................................................... www.lendinghome.com/nmp ............................................1 Lykken On Lending ............................................ www.lykkenonlending.com ............................................66 MBS Highway .................................................... www.mbshighway.com/MNN ..........................................79

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National Mortgage Professional Magazine December 2015  

National Mortgage Professional Magazine December 2015  

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