Jody Lane has been in the real estate industry in Texas for over 15 years in both commercial and residential brokerage and is a past member of National Association of Realtors. Jody is the publisher and majority owner of Realty Times, which first launched as Agent News on October 15, 1997. Jody's wife, Nora Lane, is a very successful Realtor in Dallas, Texas.

Blanche is the author of "Homesurfing.net: The Insider's Guide to Buying and Selling Your Home Using the Internet" and "The Hottest e-Careers in Real Estate," Dearborn. Evans is an advocate for both online real estate consumers and Realtors. She was recently voted one of the twenty-five most influential people in the real estate industry by Realtor Magazine.

Jim Adair is editor of REM ( www.remonline.com), Canada's leading business magazine for real estate professionals. He is also editor-in-chief of Canadian Homes & Cottages ( www.homesandcottages.com), the country's largest building and renovation magazine. e-mail him at jimhc@pathcom.com

M. Anthony Carr writes about real estate from inside the industry. He has sold, bought, and invested in real estate for more than a decade. In addition, he is a national trainer for real estate professionals in such areas as marketing, sales and fair housing issues. He has been an editorial contributor to various newspapers, trade publications and Web sites across the country.

Based in California, Michele Dawson has extensive experience as a reporter and editor and now specializes in housing and real estate matters.

As a syndicated newspaper columnist, author and international speaker, Julie Garton-Good DREI, C-CREC, is called "America's Home Affordability Expert", addressing more than 25,000 people annually on topics of real estate industry trends and home affordability. She is the author of five real estate books and is the sole two-time recipient of the international "Real Estate Educator of the Year" award from the Real Estate Educators Association. In 1997, The National Association of Realtors® nominated Julie as one of the fifty most influential people in the real estate industry. She shared the list with only three other women.

Kenneth R. Harney writes an award-winning, nationally-syndicated column on housing and real estate from Washington, D.C. He is also managing director of the National Real Estate Development Center, a professional education company. He is a past member of the Federal Reserve Board's Consumer Advisory Council, a committee that by federal statute reviews all Fed actions on home mortgage, consmer credit and banking industry regulation.

He served as a member of the U.S. Department of Housing and Urban Development's Working Group on Computerized Loan Origination (CLO) systems, and is a member of the Editorial Board of the Fannie Mae Foundation's journal, Housing Policy Debate. He is the author of two books on mortgage finance and real estate.

Lesley Hensell covers commercial real estate and financial issues for Realty Times. Based outside of Dallas, Lesley works with high-tech and real estate clients as an independent marketing and public relations consultant. She also writes for several publications, including the Dallas Morning News. E-mail Lesley at: LesleyHensell@realtytimes.com

Clifford A. Hockley is the President of Bluestone & Hockley Realty, Inc., a leading brokerage and property management firm in Portland, OR. The property management department manages 1,.800 units, including commercial properties, apartments, condominium associations, single-family homes, and small plexes in the Portland/Vancouver Metro area. The brokerage department handles leases and sales of investment properties throughout Oregon and Washington.

Clifford has a Bachelors Degree in Political Science from Claremont McKenna College and a Masters in Management from Willamette University. He is a Certified Property Manager and Bluestone & Hockley Realty, Inc. is an Accredited Management Organization (AMO) by the Institute of Real Estate Management (IREM). Cliff serves a member at large on the Portland IREM board.

Al Heavens is a syndicated columnist who writes about real estate and home improvement. He appears regularly as the "Gadgeteer" on the Discovery Channel's twice-daily Home Matters Program.

Author of the weekly Housing Counsel column with The Washington Post for nearly 30 years, Benny Kass is the senior partner with the Washington, DC law firm of Kass & Skalet and a specialist in such real estate legal areas as commercial and residential financing, closings, foreclosures and workouts.

Mr. Kass is a Charter Member of the College of Community Association Attorneys, and has written extensively about community association issues. In addition, he is a life member of the National Conference of Commissioners on Uniform State Laws. In this capacity, he has been involved in the development of almost all of the Commission's real estate laws, including the Uniform Common Interest Ownership Act which has been adopted in many states.

Andrew Kleeman is the National General Manager for Commercial Real Estate Services with U.S. Inspect, a nationwide inspection service with more than 100 engineers, architects, and inspectors on staff. He is an accredited property inspector in Pennsylvania and certified to perform asbestos and radon inspections by the Environmental Protection Agency. He has taught classes in Residential Construction and Design, and Environmental Due Diligence at Temple University, and he has also taught before the Pennsylvania Bar Institute.

Stuart writes about environmental issues. He was the New Jersey Deputy Attorney General assigned to the State Department of Environmental Protection from 1986 - 1990. Currently he is a shareholder in the environment law firm of Lieberman & Blecher, P.C., located in Princeton, New Jersey.

Broderick has been a consumer journalist for 20 years. Experienced in print, electronic, and consulting journalism, he is executive editor of San Jose, CA-based, DeadlineNews.Com, an editorial content and consulting firm. He is also a real estate writer and columnist for RealtyTimes.com affiliate Homestore.com and Wire Editor for Homestore.com's Real Estate News Tab.

David Reed, author of the The Hip and the Hype, a guide for lenders to the Internet, is also a columnist and Contributing Editor with San Diego-based Mortgage Originator Magazine. Mr. Reed, based in Austin, TX, is the Internet Marketing Director for the Western States Region with SouthTrust Mortgage, a subsidiary of SouthTrust Bank, one of the 20 largest banks in the United States.

Reed is a member of the Mortgage Speakers Bureau, and addresses consumer and industry groups nationwide regarding technology and mortgage lending issues.

Henry Savage, the president of PMC Mortgage Corporation in Alexandria, VA, is a mortgage columnist whose work has appeared in numerous consumer, real estate, and mortgage publications. Mr. Savage welcomes your questions for possible use in this column, however because of the volume of mail received, Mr. Savage cannot answer questions individually.

Lew Sichelman has been covering real estate from his home base in the Nation's Capital for more than 30 years. He writes a weekly consumer column that is distributed to newspapers throughout the country by United Media. He also is a regular contributor to numerous shelter magazines and housing and housing finance industry publications.

George C. Stephens, CRB is the Broker of deRaat Stephens, Inc. dba ERA Stephens Properties and the Director of Compliance for eRealty, Inc. Stephens served as 1998 Chairman of the 13,000+ member Houston Association of REALTORS® and is the Vice Chairman of HAR's wholly owned subsidiary, e-Har, Inc. He is the 2001 Secretary/Treasurer of the 50,000+ member Texas Association of REALTORS® and TAR's 2002 Chairman-Elect. Stephens holds a Texas Real Estate Broker license as well as a Texas Mortgage Broker License.

Richard owns Regenesis, a property management consulting company that specializes in condominium and homeowner associations. Regenesis publishes The Regenesis Report, a monthly e-mail newsletter for community association boards, developers and property managers. It is available free through www.regenesis.net, the world's largest community association internet resource.

PJ Wade, The Catalyst, is a business strategist and an internationally recognized authority on retirement and the Maturing Marketplace (baby boomers and seniors). PJ's firm, also known as The Catalyst, provides strategic communication and self-leadership services to the financial and housing sectors - and the clients they serve. Author of 6 books and over 700 published articles, PJ's latest book is Have Your Home and Money Too, "the owner's manual for your home" (Wiley, ISBN 0-471-64400-5). PJ is a widely-known and often-quoted financial commentator and a popular strategic speaker. Watch for PJ on The Money Show (CBC Newsworld), in The National Post and REM and at www.thecatalyst.com