1.26.15

Contents

Cover Story

Change is on the horizon for the mortgage landscape: rates, credit requirements and buyers entering the marketplace. What do agents need to know? Find out in our cover story here.

Also…

• What to Know About FHA’s Latest Changes

Editor’s Note

• The Changing Lending Landscape

News

• Americans Becoming Optimistic About the Economy
• When to Schedule Closings: A Review of 2014
• Millennial Employment Stands Out in Housing Barometer
• Just How Low are Mortgage Rates, Right Now? Answer: Really, Really Low
• Mortgage, Appraisal Fraud on the Decline
• How Much the FHA Premium Cut Will Actually Save Borrowers
• 3 Great Things (And 1 Troubling Thing) For Housing in the New Jobs Report
• Mortgage Applications Continue to Gain, Up 14.2%
• Is 2015 the Year For Buying And Selling?

Agent Snapshot

• Agent Snapshot: Jim Pontious, Mortgage Banker, PHH Home Loans, Chicago

Improving Your Business

• Top 5 Marketing Tips for Real Estate Agents in 2015

Agent X

• Mortgages, Mortgages, Mortgages

The Scene

• Dearborn Realtist Board Networking Event
• Women’s Council of Realtors 2015 Inaugural Gala
• WCR How to Run Your Business Like a CEO Event
• HBAGC and City Holiday Party
• CAR 2015 Market Outlook
• HBAGC Installation of Officers Event

My Style

• My Style: Susan Maman, Senior Real Estate Broker Consultant, @properties, Winnetka