Scott A. McAfee, president and chief executive of Spring Mountain Group, has been instrumental in creating one of the nation's most innovative real estate finance companies. The Newport, Calif., company employs what he calls a seamless process: It uses capital for funding, then to gain fee income, and then again for funding. Mr. McAfee thinks all of residential lending is moving toward the seamless system - and beyond. He talked with American Banker about his vision of tomorrow's mortgage banking.

Q.: How does your company work?

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