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M R EP O RT | 3 M R EP O RT | 3 CO NTE NTS 16 THE DISCIPLINE OF CONSISTENCY Steve Jacobson, Founder and CEO of Fairway Independent Mortgage, details his company's employee-first mentality, and how an independent mindset has fostered its success. 20 WHY REPURCHASE RISK IS GROWING— AND HOW TO MANAGE IT Quality control should be viewed not as a cost center, but as an investment that ensures future success. 23 DON'T GET LOST IN THE MARGINS Want to win the war on margin compression? It's time to think strategically. 24 NEW YEAR, NEW PARADIGMS Non-traditional options like iBuying are picking up steam and disrupting the residential real estate market. 28 AUTHENTIC INTELLIGENCE, THE NEW AI Technology can't replace the human connection. DEPARTMENTS 6 MTECH Tech Tools Easing the Mortgage Process 10 MCROWD Who's moving on and who's moving up in the industry 15 MDWELL Fannie Mae on How Homebuyer Sentiment Is Shifting

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