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Current Articles


Current Residential Magazine Cover

Inside Scotsman Guide’s residential edition, you’ll find all the tools that make our monthly, national magazine the leading resource for residential mortgage originators.

Our monthly departments include our award-winning Spotlight, which highlights a different state each month; columns from the Mortgage Bankers Association, Attom Data Solutions, Ten-X and more; and in-depth looks at the news shaping the industry in our BackSpace feature.

Each month also brings you contributed articles from industry experts with information on how to stay compliant, build your business and excel in the mortgage industry.




From The Editor
Take a trip to a better future
By Jim Davis, editor, Scotsman Guide Residential Edition

Featured Top Originator: Michael Ziccarelli, Marquette Bank
By Jim Davis, editor, Scotsman Guide Residential Edition

Q&A: Robert Dietz, chief economist, National Association of Home Builders
By Jim Davis, editor, Scotsman Guide Residential Edition

News Roundup
By Arnie Aurellano, chief reporter, Scotsman Guide Media

What do falling interest rates portend for the housing market?
By Mike Fratantoni, chief economist and senior vice president of research and industry technology, Mortgage Bankers Association

Spotlight: Texas
The Lone Star State is a hotbed for jobs and affordable housing.
By Neil Pierson, editor in chief, Scotsman Guide Media

Options are on the table to replace the GSE patch
By Victor Whitman, editor, Scotsman Guide Media




Robots Won’t Be Taking Your Job
Mortgage originators need to embrace automation, not fear it
By Mike Gulitz, CEO, Jungo

Examine the Upside and Downside of Technology
Automation makes mortgage-industry jobs easier, but don’t use it as a crutch
By Nathan Rufty, mortgage coach and trainer, Mortgage Marketing Pros

Endeavor To Go Deeper with Technology
A better lending experience starts at the outset with exploring the borrower’s situation
By Luke Johnson, CEO, Neat Capital

Technology Puts the Mortgage Ranks on Equal Footing
Top-notch lenders deliver innovative ways to improve the loan process
By Jason Bressler, chief technology officer, United Wholesale Mortgage (UWM)

Viewpoint: Monetary Policy Should Embrace a 2.5% Mortgage Rate
This one move by the Fed could spur an increase in consumer spending
By Dick Lepre, senior loan adviser, RPM Mortgage

The White-Hot Loans You Need to Explore
Nonqualified mortgages benefit self-employed and foreign-national borrowers, among others
By Joseph Lydon, co-founder and managing director, LendSure Mortgage Corp.

What Should Tech Do for You?
There is a long list of digital solutions that lenders should offer originators
By Bill Packer, executive vice president and chief operations officer, American Financial Resources Inc.

Set To Soar
The UltraFICO score aims to create a homeownership path for those who otherwise couldn’t qualify
By Steve Smith, CEO and co-founder, Finicity; and Joanne Gaskin, vice president of scores and analytics, FICO

Hard Money Loans Can Grow Your Income
Nontraditional lending can create new avenues for generating revenue
By Tyler Stone, founder and president, Capstone Financial

Take Charge of Your Data
Functionality and security are keys for choosing the right software vendor
By Susan Graham, president and chief operating officer, Financial Industry Computer Systems Inc.

These Tips Will Energize Your Marketing Plan
Generate referrals with these commonly known but uncommonly practiced techniques
By Jeffrey Nelson, creator,

Diversification Delivers Dividends
Expand your mortgage offerings and create new client opportunities
By Michael Oddi, chief marketing officer, Velocity Mortgage Capital

Consider Homebuying From the Borrower’s Perspective
Post-recession regulations created a safer market, but one that can confuse clients
By Ben Anderson, owner, Ben Anderson 365

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