Contents

Cover Story

With rates predicted to increase this year, what does that mean for the market? What other changes can we expect from the government?  Click here to read more.

Also:

• How Have Mortgages Changed From 2012 to 2013?
• Mortgage Employment
• 3 Major Ways that the Government’s Housing Policy Could Change 

Editor’s Note

• Only the Loan-ly

News

• QM Rule Compliance to Drive ‘Free Agent’ Hiring in 2014
• Shadow Inventory Lingers Due to Liquidation Timelines
• Foreclosure Filings Drop 26 Percent
• What Could Become of Fannie and Freddie?

Improving Your Business

• How Your Clients Can Get the Best Rate

Agent Snapshot

• Kim Schnoor, Broker Associate, RE/MAX Advantage Realty, Chain O’Lakes

By The Numbers

• What Percentage of Chicagoland’s Home Sales are All-Cash?

The Scene

• NAHREP Chicago 2013 Holiday Celebration
• Guaranteed Rate Holiday Party
• WCR Installation of 2014 Chicago Officers
• A and N Mortgage Holiday Party

My Style

• Michelle Bobart, Senior Vice President of Mortgage Lending/Branch Manager, Guaranteed Rate, River North