• No results found

30th annual regional conference of mortgage bankers associations

N/A
N/A
Protected

Academic year: 2021

Share "30th annual regional conference of mortgage bankers associations"

Copied!
104
0
0

Loading.... (view fulltext now)

Full text

(1)

30

th

annual

regional conference

of mortgage bankers

associations

march 10 - 14, 2013

program book

program book sponsor

(2)

Rely on us to serve your

mortgage needs with

unsurpassed care.

To learn more call (866) 946-0081 to speak with an Account Executive or go to www.phhmortgagesolutions.com.

We deliver results.

For over 20 years, PHH Mortgage has provided our clients with simple but powerful solutions for achieving success.

• We are the 6th largest originator of residential mortgages and the 10th largest provider of correspondent mortgages in the U.S.1 • We support a broad product menu including

conventional loans and FHA/VA financing. • We offer comprehensive correspondent

lending solutions.

Our team is at the ready to provide the kind of responsive and attentive service that has set us apart for decades.

1. Based on third quarter 2012 statistics. Inside Mortgage Finance, November 23, 2012.

(3)

i

Table of Contents

Executive Director's Welcome ... 1

General Information ... 18

Residential Program At-A-Glance ... 20

Commercial Program At-A-Glance ... 21

Residential Program ... 39

Commercial Program ... 22

Commercial Exhibit Hall Floor Plan ... 62

Commercial Exhibitors ... 63

Residential Exhibit Hall Floor Plan ... 68/69

Residential Exhibitors ... 70

(4)

ii

Thank You MBA-NJ Platinum Sponsors

https://auroralending.com

www.cardinalfinancial.com

http://maverickwholesale.com

(5)

1

Executive Director's Welcome Address

Dear Conference Attendees:

Why is the Regional Conference of Mortgage

Bankers Association so special and what has

made it one of the best conferences in the U.S.

for 30 years? First and foremost is the dedication

and perseverance of our Planning Committee

members, some of whom have been with us the

entire time and others for many years. Some of

our members who we miss greatly, including Jim

Risko, Henry Senenfelder, and Jim Leister have

passed on and some, Pat Aritz and Sam Morelli

, have moved away. Some of our long term

members of the Residential Planning Committee

are still with us including Regina Lowrie, the first

female president of MBA , Marilyn Brown-Iannone,

liason for MBA of NY and past MBA-NY President,

Bill Raftery, and Ron Agasar, Bonnie Nachamie,

Treasurer NY Association of Mortgage Brokers,

and Jonathan Pinard, Past President, Empire State

Mortgage Bankers. Marilyn, Charlie Kauffman,

Past MBA-NJ President, Ron Shapiro and Larry

Longua have also been with us for many years

on the Commercial Planning Committee. See

page 12 for our Planning Committee members.

What these individuals created provides us with

a multitude of memories of great conferences

over the years and the excitement of more yet

to come. Each year we focus on giving our

attendees the kind of experience that they will

find extremely valuable for the operation of their

businesses and their profitability. We provide

general sessions and breakouts that hone in on

the key issues of the day and show attendees

how they can deal with them effectively.

These issue include regulatory and legislative

activities on both a state and national level. To

accomplish this, we bring in top quality speakers

for our general sessions and breakouts as well

as providing valuable networking time in our

exhibit halls, cocktail receptions, at breakfast

and during breaks in our sessions.

(6)

2

We are one of the only conferences that provide

both a commercial and a residential segment,

each of which is a major conference in itself

so that one can attend either one or both, at

a reasonable price. Our special room rates at

the Taj Mahal (this year only $75 to be in the

relatively new and high quality Chairman Tower)

together with the program registrants get for

only one fee makes this Conference a truly great

deal and very affordable. Our attendees also

enjoy, three breakfasts each day, lunches (two

during the Commercial Segment and one at

the Residential Segment), great food at our four

cocktail receptions (you don’t need dinner after

one of these!) all for a single fee (and a terrific

program as noted). Is there a better conference

deal anywhere? We don’t think so and neither

do the many registrants who return each year…a

Conference they won’t miss!

This year, we are devoting our Residential

Program to getting our registrants ready for a

new world of regulation for mortgage lenders

and brokers. The rules on QM (Ability To Repay),

LO Compensation, QRM, UDAAP Appraisals,

Servicing etc. coming from the Consumer

Financial Protection Bureau (CFPB) will change

the landscape to a significant degree. These

rules are contained in thousands of pages in total

(over 800 for QM, over 400 for LO Comp and so

on). There is still much to be desired in terms of

a lack of clarity in the rules and in some cases

comments from the industry are still being elicited

such as those dealing with the compensation of

loan originators.

The week of March 11th will be very timely for

our Conference in terms of an understanding of

these new rules which, since many will become

effective in January 2014 giving implementation

time for the industry. By the Conference, there

should be enough information about the rules to

provided attendees with an understanding and

clarification of what they need to do to comply

and how they can get ready for exams with the

(7)

3

CFPB as well as state examiners. All of this will be

dealt with by our expert panelists and speakers,

once again making the Conference a don’t

miss event!

Get Ready for a Great Conference. I’ll see you

on the Convention Floor.

Sincerely,

E. Robert Levy

(8)

4

2013 Commercial/Residential

Conference Partner

www.myinvestorsbank.com

2013 Conference Partner-

Tuesday Cocktail Reception

(9)

5

800.258.3488 beyondbundled@creditplus.com

VISIT US AT BOOTH #201

Turn to Credit Plus’ Undisclosed Debt Monitoring

powered by Equifax

®

to find out.

IT’S 10 DAYS PRIOR TO CLOSING…

AND

22%

OF

BORROWERS

WENT

FURTHER

INTO

DEBT.

DID YOURS?

*

* According to Equifax’s recent review of 4,800 loans from the undisclosed debt monitoring database, 22% of new trades were reported 10 days or less prior to closing.

www.creditplus.com/undisclosed-debt-monitoring

9 Eves Drive, Suite 190, Marlton, NJ 08053

(800) 648-0345

www.auroralending.com

Built On 27 Years Of

Rock Solid Lending

(10)

6

2013 Executive Annual

www.aklero.com

(11)

7

“MPF” and “Mortgage Partnership Finance” are registered trademarks, and the “MPF Mortgage Partnership Finance” logo is trademarked by the Federal Home Loan Bank of Chicago.

WWW.FHLBNY.COM/MPF 212.441.6710

THE MPF

PROGRAM:

A COMPETITIVELY-PRICED,

SECONDARY MARKET OPTION

THAT PAYS FOR PERFORMANCE.

NO LOAN LEVEL PRICE

ADJUSTMENTS HERE.

(12)

8

Exclusive Gold Sponsors

Aisle Signs

• Credit Plus

Cyber Café

• Essent Guaranty, Inc.

Residential Badges

• Radian

Program Book

• Rehab Cash Now

Continental Breakfast Sponsors

Commercial Property - March 12

• Spencer Savings Bank - Silver

Residential - March 13

• Bridge Appraisal Management Corp.

- Gold

• Federal Home Loan Bank of New York

- Gold

• Firstrust Bank - Gold

Coffee Break Sponsors

Commercial Property Morning - March 12

• Spencer Savings Bank - Silver

Residential Morning - March 13

• Project Support Services - Gold

• Wells Fargo Funding - Silver

Residential Afternoon - March 13

• US Bank - Gold

• Wells Fargo Funding - Silver

Residential Afternoon - March 14

• Wells Fargo Funding - Silver

(13)

9

Member FDIC

Firstrust is a proud sponsor of

the Regional Conference

of Mortgage Bankers Associations.

Providing Warehousing and

Cash Management Services to the

Mortgage Banking Community.

Family owned and privately held since 1934.

15 East Ridge Pike | Conshohocken, PA 19428 | 800-220-BANK | firstrust.com

SE

TA

R

BE

LE

C I

F

G

ss

eni

su

B e

ga

gtr

o

M e

ht

nI

se

cc

uS

fo

sr

ae

Y 0

3

From your friends at,

GFI

MORTGAGE BANKERS, INC.

Congratulations to the MBA

on another great year!

(212) 668.1444

www.gfimortgage.com

Licensed mortgage bankers in NY, NJ, PA, CT, FL Banking Depts. NMLS# 7103

(14)

10

Luncheon Sponsor

Commercial Property - March 12

• Spencer Savings Bank - Silver

Exhibit Hall Refreshments Sponsor

• GFI Mortgage Bankers, Inc. - Gold

Registration Area Sponsor

• Chase - Gold

Hospitality Booth

• Ellie Mae, Inc.

• Embrace Home Loans

• Lender Processing Services

• Quicken Loans Mortgage Services

• Silo Financial Corp.

Media Sponsors

• National Mortgage News

• National Mortgage Professional

Magazine

• Scotsman Guide Media

• The Real Deal Magazine

(15)

11

C

ONDOMINIUM

A

PPROVAL

E

XPERTS

FHA Condominium Project Approvals

(New, Established & ReCertifications)

FANNIE MAE Condominium Project Approvals

w w w . P

R O J E C T

A

P P R O V A L S

. c o m

Call Phil Sutcliffe 215.368.9452

5 North Cannon Ave. Lansdale, PA 19446

phil@projectapprovals.com

(16)

12

Planning Committee E. Robert Levy, Chairman

MBA of New Jersey

Ronald J. Agasar

Franklin American Mortgage Company

Marilyn L. Brown

Eleford & Company, Inc.

Michael DiSalvio

Genworth Financial

Thomas Juliano

Wells Fargo Funding

Charles H. Kauffman, Jr., CMB

C.H. Kauffman & Associates, Inc.

Lawrence J. Longua

NYU Schack Institute of Real Estate

Regina M. Lowrie, CMB

Vision Mortgage Capital a Division of Continental Bank

Bonnie S. Nachamie, Esq.

Bonnie S. Nachamie, P.C.

Jonathan Pinard

First National Compliance Solutions

William J. Raftery

Aurora Financial Group

Ronald Shapiro

Union Center National Bank

Michael L. Vitali

TBI Mortgage Company

Wayne Watkinson

(17)
(18)

14 Connecticut MBA www.cmba.org Michael Fiano Green Tree New Britain, CT E-mail: michael.fiano@gtoriginations.com

Empire State MBA

www.esmba.org Zahra Jafri

Lynx Mortgage Bank LLC Westbury, NY

E-mail: zjafri@lynxmortgageny.com

MBA of The Genesee Region

www.mbarochester.com Jessie Silva

Stewart Title Insurance Company Rochester, NY

E-mail: jessie.silva@stewart.com

MBA of Maryland

www.mdmba.org

Ernest G. Grue, Jr.

Sandy Spring Bank, Mortgage Division Olney, MD E-mail: egrue@sandyspringbank.com MBA of Massachusetts www.massmba.com Jerami A. Marshal Sovereign Bank Boston, MA E-mail: dsousa@massmba.com

MBA of Metropolitan Washington, Inc.

www.mbamw.org

J. Michael Pickett Bingham McCutchen LLP Washington, DC

E-mail: michael.pickett@bingham.com

MBA of Northeastern New York

www.mbaneny.com

Leland Armsby III SEFCU Mortgage Services Cohoes, New York

(19)
(20)

16

Rhode Island MBA

www.rimba.org

Deborah A. Imondi

AAA Southern New England Bank Providence, RI

E-mail: dimondi@aaasne.com

Mid Hudson Valley MBA

www.mhvmba.com David Ellicott

Rockland Abstract Corp. Poughkeepsie, NY

E-mail: dellicott@rocklandabstractcorp.com

Mortgage Bankers & Brokers Association of New Hampshire

www.mbba-nh.org Gary Coffin

Horizon Settlement Services, Inc Concord, NH

E-mail: GaryCoffin@horizonsettlement.com

MBA of Pennsylvania

www.mba-pa.org Michael Flynn

Keystone Financial Services Pittsburgh, PA

E-mail: mike@keystoneloans.com

MBA of New Jersey

www.mbanj.com

Michael DiSalvio

Genworth Mortgage Insurance Raleigh, NC

(21)

17

Appraisal Management Solutions

Appraiser Independence

Local Expertise

PHONE: (908) 918-1500 ~ FAX: (908) 934-9299

WWW.BRIDGEAMC.COM

for additional information please contact:

Gary Lehnes, President 908-918-1500 glehnes@bridgeamc.com

•••

•••

A pa s s i o n f o r y ou r s u c c e s s .SM 877.rADIAN1 (723.4261) www.facebook.com/radianGuaranty

Many words describe our people, but only one word truly defines us: passionate.

It’s what has always made radian stand out. our irrepressible enthusiasm for life shines through in everything we do — including helping you surpass your lending goals and helping homebuyers achieve their dreams.

find out more about what our passion can do for your business by visiting www.radianpassion.com.

Dedicated.

Driven.

Exceptional.

(22)

18

Conference Registration Desk

The Conference Registration Desk is located on the second floor, Convention Floor, of the Trump Taj Mahal, across from the Tiara Ballrooms. The Registration Desk will be open:

Sunday, March 10th 4:30 p.m. - 9:00 p.m. Monday, March 11th 7:30 a.m. - 8:00 p.m. Tuesday, March 12th 7:30 a.m. - 9:00 p.m. Wednesday, March 13th 7:30 a.m. - 8:00 p.m. Thursday, March 14th 8:00 a.m. - 1:00 p.m. Registration Area Sponsor

Chase - Gold Name Badge Guidelines

Official Conference Badges are required to be worn for admission TO ALL Conference Events.

BADGE SWAPPING IS PROHIBITED!

Residential Badge Sponsor

Radian

Personnel will be on hand at all functions to enforce Badge requirements. Badge replacement Fee: $75, together with required paperwork for lost badges. The color of your badge determines what functions you can attend, as follows:

Commercial Property Program Registrants - Blue Admission to Sunday evening Commercial Property

Networking Cocktail Reception, all Commercial Property functions on Monday and Tuesday, including Continental Breakfasts, Lunches, General Session and Panels, Exhibit Hall and Tuesday Evening's Commercial Property/Residential Networking Cocktail Reception.

Residential Program Registrants - Ivory

Admission to all functions beginning Tuesday

afternoon March 12th, and ending Thursday, March 14th, including Continental Breakfasts, Lunches, General Session, Breakout Sessions, Exhibit Hall, Commercial Property/Residential Networking Cocktail Reception (Tuesday), Networking Cocktail Reception (Wednesday).

Commercial Only - Canary

Admission to Educational sessions on Monday, March

11th and Tuesday, March12th, with admissional to the Commercial Property Exhibit Hall. No admission to food functions or receptions.

(23)

19

Commercial Property and Residential Programs Combined Registration - Ivory

Admission to all Commercial Property Functions (Continental Breakfasts, Lunches, General Session and Panels, Exhibit Hall and Cocktail Receptions) and all Residential Functions (Continental Breakfasts, Lunches, General Session, Breakout Sessions, Exhibit Hall, Commercial Property Networking Cocktail Reception (Sunday & Monday) Commercial Property & Residential Networking Cocktail Reception (Tuesday), Networking Cocktail Reception (Wednesday)).

Exhibitor Exhibit Hall Badge - Green

Admission to the Exhibit Hall, Tuesday and Wednesday evening Networking Cocktail Receptions. This badge

DOES NOT provide admission to General Sessions,

Breakout Sessions, Breakfasts, Lunches (except in the Exhibit Hall).

Registered Spouses/Significant Others - Cream Admission to the Exhibit Halls, Cocktail Receptions.

This badge does not provide admission to General Sessions, Breakout Sessions or Lunches with Guest Speakers. Spouses/Significant Others wishing to attend the General Sessions and other functions must pay the full registration fee.

Exhibit Hall Only - White

One-Day Registration to the Exhibit Hall on Wednesday, March 13, 2013 including lunch: (No other function included). Provides admission to the Exhibit Hall ONLY on March 13th - 12:30 p.m. - 5:00 p.m.

Exhibit Hall Only without Lunch - White

One-Day Registration to the Exhibit Hall on Wednesday, March 13, 2013 not including lunch: (No other function included). Provides admission to the Exhibit Hall ONLY on March 13th - 12:30 p.m. - 5:00 p.m.

CMB Credits

Participation in the Conference entitles you to credits toward your CMB designation. Specifically, you will receive one point for the Commercial Property portion of the Conference and one point for the Residential portion (or two points if you attend both).

(24)

20 Tuesday, March 12, 2013

7:30 a.m. - 9:00 p.m. Registration/Information Desk Open

2:00 - 5:00 p.m. Hot Topics for Residential and Commercial Mortgage Lending 7:00 - 9:00 p.m. Opening Residential Networking

Cocktail Reception in the Exhibit Hall

Wednesday, March 13, 2013

7:30 a.m. - 8:00 p.m. Registration/Information Desk Open

7:30 - 9:00 a.m. Continental Breakfast 8:00 - 9:00 a.m. Barry Habib

9:00 - 9:15 a.m. Welcome/Comments

9:15 - 11:45 a.m. What Will the Industry Look Like in 2013 and Beyond

11:45 a.m. - 12:15 p.m. Keynote Speaker: David H. Stevens

12:30 - 5 p.m. Exhibit Hall Open 12:30 - 2:45 p.m. Lunch in the Exhibit Hall

1:30 - 3:30 p.m. Second General Session 3:30 - 5:30 p.m. Special State Regulatory Panel

and Roundtable Discussions 6:00 - 8:00 p.m. Networking Cocktail Reception

Thursday, March 14, 2013

8:00 a.m. - 1:00 p.m. Registration/Information Desk Open

8:00 - 9:00 a.m. Continental Breakfast 9:00 - 10:30 a.m. Fannie Mae Update

9:00 - 10:30 a.m. Getting Ready for CFPB Exams and Related Legal Issues 10:30 a.m. - 12:00 p.m. Loan Originator Compensation,

How to Cope with the New Rules 1:00 p.m. Conference Ends

(25)

21 Sunday, March 10, 2013 4:30 - 9:00 p.m. Registration/Information Desk Open 7:00 - 9:00 p.m. Opening Networking Cocktail Reception Monday, March 11, 2013 7:30 a.m. - 8:00 p.m. Registration/Information Desk Open

7:30 - 9:00 a.m. Continental Breakfast 9:00 - 9:15 a.m. Welcome/Introductions 9:15 - 10:45 a.m. Market Trends

11:00 a.m. - 12:15 p.m. Equity/Bridge/Mezzanine Financing

12:15 - 1:00 p.m. Lunch

1:00 - 2:00 p.m. Economic Outlook and Analysis 2:00 - 3:15 p.m. Roundtable Discussion: State of

the Capital Markets (with focus on CMBS)

3:15 - 5:30 p.m. Strategies for Value Added Real Estate Investment in a Resurgent Market

6:00 - 8:00 p.m. Networking Cocktail Reception

Tuesday, March 12, 2013

7:30 a.m. - 9:00 p.m. Registration/Information Desk Open

8:00 - 9:00 a.m. Continental Breakfast

9:00 - 10:00 a.m. Build It and They Will Come: The Impact of Infrastructure on Newly Connected Neighborhoods 10:00 a.m. - 12:00 p.m. Lenders' Forum

12:00 - 3:00 p.m. Exhibit Hall 12:00 - 2:00 p.m. Lunch in Exhibit Hall

2:00 - 5:00 p.m. Hot Topics for Residential and Commercial Mortgage Lending 7:00 - 9:00 p.m. Opening Residential Networking

Cocktail Reception in the Exhibit Hall

(26)

22

Sunday, March 10, 2013

4:30 p.m. - 9:00 p.m.

Registration/Information Desk Open

(27)

23

Sunday, March 10, 2013

7:00 p.m. - 9:00 p.m.

Opening Networking Cocktail Reception

(28)

24

Monday, March 11, 2013

7:30 a.m. - 8:00 p.m.

Registration/Information Desk Open

(29)

25

Monday, March 11, 2013

7:30 a.m. - 9:00 a.m.

Continental Breakfast

(30)

26 Monday, March 11, 2013 9:00 a.m. - 9:15 a.m. General Session Diamond A/B Welcome/Introductions: • E. Robert Levy, Esq.

Conference Chairman; Executive Director, MBA-NJ, NJAMB and PAMB

• Marilyn L. Brown

President, Eleford & Company, Inc.; Liaison – Mortgage Bankers Association of NY, Inc.; Vice Chairman – MBA of NY Scholarship Foundation, Inc.; Director, Xemex Holdings Corporation

(31)

27 Monday, March 11, 2013 9:15 a.m. - 10:45 a.m. Market Trends Diamond A/B Introduction by: • Marilyn L. Brown

President, Eleford & Company, Inc.; Liaison – Mortgage Bankers Association of NY, Inc.; Vice Chairman – MBA of NY Scholarship Foundation, Inc.; Director, Xemex Holdings Corporation

Aaron Jodka advises real estate investment clients on macro and micro market trends to help them make more informed strategic decisions, ranging from market and sub market selection, asset allocation, and risk mitigation. He will start out the morning with an overview of the current state of the U.S. economy, capital markets, and four major property types, apartment, office, retail, and warehouse. With an emphasis on the Northeast U.S., he will discuss emerging trends, and topics at top of mind for current real estate participants.

Speaker: • Aaron Jodka

Manager, U.S. Market Research, PPR, a CoStar Group Company

(32)

28

Monday, March 11, 2013

10:45 a.m. - 12:15 p.m.

Equity/Bridge/Mezzanine Financing

Diamond A/B

Conventional Lenders remain cautious when underwriting new mortgage loans. They are requiring borrowers to provide higher levels of equity in many new transactions. To fill that portion of the capital stack, many borrowers are turning to interim lenders to provide those necessary funds. Hear from three very active Equity/Bridge/Mezzanine lenders who are providing that critical capital to complete deals today!

Moderator:

• Charles H. Kauffman, Jr., CMB

President, C.H. Kauffman & Associates, Inc.

Panelists:

• Jeffrey K. Weingart

Senior Vice President, UC Funding

• Chris Lama

Principal NY Urban Real Estate Services, NY Urban Funding

• Bruce Dashevsky

(33)

29

Monday, March 11, 2013

12:15 p.m. - 1:00 p.m.

Commercial Property Luncheon

Diamond Ballroom C/D

1:00 p.m. - 2:00 p.m.

Economic Outlook and Analysis

Diamond Ballroom A/B

To help you maneuver through these challenging economic times attend the Commercial portion of the 30th Annual Conference of Mortgage Bankers Association Featuring - Hugh F. Kelly, PhD, CRE, Clinical Professor of Real Estate, New York University Schack Institute of Real Estate.

Hugh specializes in development of economic & market forecasts, portfolio strategy on commercial properties for all US markets & "Cities of Tomorrow". He was an integral part of NY City's response to 9/11 & provided expert testimony in both Litigation & Arbitration of development disputes. He was researcher & principal author of the Report "Downtown 2020". Hugh is a member of the Counselors of Real Estate, CREF & will serve as it's Chairman in 2014. His most recent study for Lend Lease is "Cities of Tomorrow". Hugh has published more than 250 articles in industry & academic journals. He heads his own consulting practice Hugh F. Kelly Real Estate Economics, providing research, counseling & strategic advisory services, publication assistance, & expert testimony for both domestic & international clients.

Speaker:

• Hugh F. Kelly, Ph.D.

Clinical Associate Professor, New York University Schack Institute of Real Estate, Principal Real Estate Economics

(34)

30

Monday, March 11, 2013

2:00 p.m. - 3:15 p.m.

Roundtable Discussion: State of the Capital Markets (with focus on CMBS)

Diamond A/B

Speakers: • Kim Diamond

Senior Managing Director, Head of Structured Finance, Kroll Bond Rating Agency, Inc.

• Shari D. Linnick

(35)

31

Monday, March 11, 2013

3:15 p.m. - 5:30 p.m.

Strategies for Value Added Real Estate Investment in a Resurgent Market

Diamond A/B

Moderator: • Harry Zlokower

President, Zlokower Company Public Relations

Panelists:

• Mitchell Adelstein

Managing Partner, CapStone Realty Group

• John M. Decker

President & CEO, Corus Bankshares and Corus Financial Corporation

• Abe Katz

Managing Partner, Deerwood Real Estate Capital

• William “Billy” Procida

(36)

32

Monday, March 11, 2013

6:00 p.m. - 8:00 p.m.

Networking Cocktail Reception

Diamond Ballroom C/D

(37)

33

Tuesday, March 12, 2013

7:30 a.m. - 9:00 p.m.

Registration/Information Desk Open

(38)

34

Tuesday, March 12, 2013

8:00 a.m. - 9:00 a.m.

Continental Breakfast

Diamond C/D

Continental Breakfast Sponsor • Spencer Savings Bank - Silver

(39)

35

Tuesday, March 12, 2013

9:00 a.m. - 10:00 a.m.

Build It and They Will Come:

The Impact of Infrastructure on Newly Connected Neighborhoods

Diamond A/B

Major infrastructure improvements and private sector developments have tremendous influence on neighborhoods that are newly connected and revitalized. Our experts from various real estate disciplines such as appraisal/property valuation, development, environment, retail, commercial and residential development, architecture and urban planning will discuss how improvements affect property values, enhance the environment, attract new residents and commercial businesses and increase tourism.

Moderator: • Lina Telese

Partner, Zetlin & De Chiara LLP

Panelists: • Heidi Blau

Partner, FXFOWLE Architects

• Jennifer Carey

Founder and President, JLC Environmental Consultants

• Cindy Feinberg

Engineer, LEED Accredited Professional

• Rebecca M. Mason

Executive Vice President, Stribling • Debra Tantleff

(40)

36

Tuesday, March 12, 2013

10:00 a.m. - 12:00 p.m.

Lenders’ Forum - Meet the Lenders; Bring your Deals

Diamond A/B

This will be a 3 part session covering the following information:

1. Traditional Lenders. 2. CMBS Lenders.

3. Small difficult to finance or non-traditional deals. Spend Tuesday morning covering the entire

spectrum of commercial real estate lending/finance with this year's LENDERS' FORUM!

Moderator:

• Ronald M. Shapiro

Senior Vice President, Union Center National Bank

Panelists:

• Matthew D. Ascher

Director, Northwestern Mutual Real Estate Investments LLC

• Rory M. Hertzog

Vice President, Commercial Real Estate Finance, M&T Bank

• Michael Hofheinz

MetLife Real Estate Investors

• Mac McConnell

Senior Vice President/Senior Credit Officer, Real Estate Finance Group,Sun Bank

• Bert Owens

Senior Vice President, Team Leader, Investors Bank

• Tracy Tripucka

SVP Commercial Real Estate, Clifton Savings Bank

• Christopher W. Unger

Vice President, Relationship Manager, Commercial Real Estate Lending, Susquehanna Bank

• Charles P. Woehrle, Jr.

Vice President & Director, Commercial Real Estate, Spencer Savings Bank

(41)

37

• Ron Wechsler

Senior Vice President of Commercial Mortgage Securitization, The Bancorp Bank

Smaller - Difficult to Finance Deals • Joseph Barbato

Business Development Officer, Wells Fargo SBA Lending

• David Hansel

Co-Founder, Alpha Funding Solutions

• Thomas F. Blackburne

VP, TD Bank SBA Group

• David Trager

Executive Vice President/Chief Investment Officer, Woodmont Properties

Coffee Break Sponsor

(42)

38 Tuesday, March 12, 2013 12:00 p.m. - 3:00 p.m. Exhibit Hall Tiara B 12:00 p.m. - 2:00 p.m.

Exhibit Hall with Lunch

Tiara B

Luncheon Sponsor

(43)

39

Tuesday, March 12, 2013

2:00 p.m. - 5:00 p.m.

Hot Topics Forum for Residential and Commercial Mortgage Lending

Diamond A/B

Jack Konyk and E. Robert Levy will lead this important discussion covering topics of interest to attendees. Conference Speakers are invited to attend and lend their expertise to that of the many experienced lenders and brokers attending the Conference who will participate during this Town Hall style session. Bring issues of concern related to your business and get the views of your colleagues and our speakers to aide in your business decisions.

(44)

40

Tuesday, March 12, 2013

7:00 p.m. - 9:00 p.m.

Opening Residential Networking Cocktail Reception in the Exhibit Hall

(Commercial Attendees Invited)

Grand Ballroom

(45)

41

Maverick Funding Corp. - NMLS #7706

Corporate Headquarters: 9 Entin Rd., Parsippany, NJ 07054 Toll Free (888) 616-6866

Visit us at www.MaverickWholesale.com

A UNIQUE DIRECT LENDER

Our Loan Products

• FHA

• USDA

• Conforming

• Flexible HARP

Our Services

• Experienced Account Executives and

Internal Account Managers

• FAST Closings

This electronic message transmission contains information from Maverick Funding Corp. which may be confidential or privi-leged. Recipients should not file copies of this e-mail with publicly accessible records. The information is intended to be for the use of the individuals named above. If you are not the intended recipient, please be aware that any disclosure, copying, distri-bution or use of the contents of this message is prohibited. Maverick Funding Corp. NMLS#7706, Executive Offices, 9 Entin Road, Suite 200, Parsippany, NJ 07054. Toll Free 888-616-6866. Licensed by the California Department of Corporations under the California Residential Mortgage Lending Act, License #4131048. Licensed by the California Department of Corporations under the California Finance Lenders Law, License #603H799. Massachusetts Lender License #ML3257; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed by the Pennsylvania Department of Bank-ing; Rhode Island Licensed Lender; Licensed by the Virginia State Corporation Commission, License #MC5352; also Licensed in AL, CO, CT, DC, DE, FL, GA, IN, KY, ME, MD, MN, NC, OH, TN, VT, WV. Illinois Residential Mortgage Licensee, License #MB.6760891,Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0018028 Oregon Mortgage Lending License ML-4961. Licensed Lender SC. Texas Mortgage Banker Registration. Washington Consumer Loan License #CL7706. Equal Housing Lender.

(46)

42

Wednesday, March 13, 2013

7:30 a.m. - 8:00 p.m.

Registration/Information Desk Open

(47)

43

Wednesday, March 13, 2013

7:30 a.m. - 9:00 a.m.

Continental Breakfast

Tiara Ballroom A

Continental Breakfast Sponsors

• Bridge Appraisal Management Corp. - Gold • Federal Home Loan Bank of New York - Gold • Firstrust Bank - Gold

(48)

44

Wednesday, March 13, 2013

8:00 a.m. - 9:00 a.m.

Barry Habib will help you rock the mortgage world! Renowned industry expert provides housing market insight and guidance

Tiara A

This useful presentation builds on your mortgage expertise with fresh facts that can enrich your customer dealings —and increase your market share.

Drawing on what he’s learned in his 30 years in the business, Barry takes an in-depth view of today’s financial environment and breaks it down in an easy-to-understand way. Expect Barry to:

• Be able to clearly convey existing opportunities within the housing market.

• Clarify the implications of the current economy. • Provide his housing market forecast.

• Discuss short and long-term interest rates. • Explain how to anticipate and react to market

shifts.

Barry is V.P. and Chief Market Strategist for Residential Finance Corporation and the founder and CEO of MBS Highway. He is a featured speaker on CNBC and a sought after speaker for Mortgage Banking Conferences and Seminars.

Speaker: • Barry Habib

V.P. and Chief Market Strategist, Residential Finance Corporation &CEO, MBS Highway

(49)

45

Wednesday, March 13, 2013

9:00 a.m. - 9:15 a.m.

Welcome/Comments

Tiara Ballroom A

• E. Robert Levy, Esq.

Conference Chairman; Executive Director, MBA-NJ, NJAMB and PAMB

(50)

46

Wednesday, March 13, 2013

9:15 a.m. - 11:45 a.m.

Panel I: What will the Industry Look Like in 2013 and Beyond?

Tiara Ballroom A

The Panel will discuss liquidity, risk retention and effects of QRM, ability to repay issues, QM, future role of the GSE’s (where will they be?) FHA, Ginnie Mae, State Regulation and enforcement, the role of the rating agencies, the role of the MI’s, secondary marketing issues, and the impact of HARP. Q&A will follow.

Moderators:

• Regina M. Lowrie, CMB

President and CEO, Vision Mortgage Capital, LLC

• Michael L. Vitali Sr.

Executive Vice President, TBI Mortgage Company

Speakers/Panelists: • Gary Cipponeri

SVP & Director of Capital Markets, Chase Home Finance

• S.A. Ibrahim

Chief Executive Officer, Radian Group Inc.

• Jack Konyk

Executive Director of Government Affairs, Weiner Brodsky Kider PC

• Peter Norden

CEO, Real Estate Mortgage Network, Inc.

• Debra W. Still, CMB

Chairman, Mortgage Bankers Association Coffee Break Sponsors

• Project Support Services - Gold • Wells Fargo Funding - Silver

(51)

47

Wednesday, March 13, 2013

11:45 a.m. - 12:15 p.m.

Keynote Speaker

Tiara Ballroom A

Immediately prior to joining MBA, Stevens was the Assistant Secretary for Housing and Federal Housing Commissioner at the United States Department of Housing and Urban Development (HUD). In this role, Stevens had direct responsibility for oversight and administration of the Federal Housing Administration (FHA) insurance portfolio. Stevens is quoted frequently in major national and trade media on issues affecting the mortgage and housing markets.

Speaker:

• David H. Stevens

President and Chief Executive Officer, Mortgage Bankers Association

(52)

48

Wednesday, March 13, 2013

12:30 p.m. - 5:00 p.m.

Exhibit Hall Open

Grand Ballroom

Exhibit Hall Refreshment Sponsor • GFI Mortgage Bankers, Inc. - Gold

(53)

49

Wednesday, March 13, 2013

12:30 p.m. - 2:30 p.m.

Lunch in the Exhibit Hall

(54)

50

Wednesday, March 13, 2013

1:15 p.m. - 3:45 p.m.

Second General Session

Tiara Ballroom A

CFPB Panel will cover CFPB regulations and enforcement, risk retention and the QRM, QM and the ability to repay requirement, LO Comp and the state regulators guidelines under the Federal Rule, CFPB examinations, investigations and hearings,

Moderator:

• E. Robert Levy, Esq.

Conference Chairman; Executive Director, MBA-NJ, NJAMB and PAMB

Panelists: • Ken Markison

Associate Vice President and Regulatory Counsel, Mortgage Bankers Association

• Jack Konyk

Executive Director of Government Affairs, Weiner Brodsky Kider PC

• Richard J. Andreano, Jr.

Partner, Ballard Spahr LLP

• Paul Mondor

Managing Counsel, Office of Regulations, CFPB Coffee Break Sponsors

• US Bank - Gold

(55)

51

Wednesday, March 13, 2013

3:45 p.m. - 5:30 p.m.

Special State Regulatory Panel and Regulators Roundtable Discussions

Diamond Ballroom C & D

Hear from your Regulators during a panel presentation and follow-up by meeting directly with them during our Roundtable Discussion portion.

Moderator:

• E. Robert Levy, Esq.

Conference Chairman; Executive Director, MBA-NJ, NJAMB and PAMB

NMLS Ombudsman Report • Timothy Siwy

NMLS Ombudsman; Director of the Bureau of Compliance and Licensing, Pennsylvania Department of Banking

Regulators Panel New Jersey • Thomas M. Hunt

Assistant Division Director, Office of Consumer Finance, Banking Division, New Jersey Department of Banking and Insurance (Invited)

• Patrick Mullen

Assistant Division Director, Office of Consumer Finance, Banking Division, New Jersey Department of Banking and Insurance

• Susan M. Toth

Administrator, Licensing Services Bureau, New Jersey Department of Banking and Insurance

• Diane Scholl

Supervisor of Licensing, New Jersey Department of Banking and Insurance

New York

• Rholda L. Ricketts

Deputy Superintendent of Banks, NY State Banking Department (Invited)

(56)

52

• Timothy Siwy

NMLS Ombudsman; Director of the Bureau of Compliance and Licensing, Pennsylvania Department of Banking

Maryland

• Keisha Whitehall Wolfe

(57)

53

Wednesday, March 13, 2013

6:00 p.m. - 8:00 p.m.

Networking Cocktail Reception

REMN & The Regional Conference Cocktail Reception and Award Ceremony at Revel

(58)

54

Thursday, March 14, 2013

8:00 a.m. - 1:00 p.m.

Registration/Information Desk Open

(59)

55

Thursday, March 14, 2013

8:00 a.m. - 9:00 a.m.

Continental Breakfast

(60)

56

Thursday, March 14, 2013 Concurrent Breakouts

9:00 a.m. - 10:30 a.m.

Fannie Mae Update

Diamond Ballroom A

Speaker: • Jennifer Whip

Vice President, Fannie Mae Coffee Break Sponsor • Wells Fargo Funding - Silver

(61)

57

Thursday, March 14, 2013 Concurrent

9:00 a.m. - 10:30 a.m.

Getting Ready for CFPB Exams and Related Legal Issues

Tiara Ballroom A

The CFPB examination process will be closely examined from the CFPB and industry perspectives. The panel will also discuss how best to prepare for the CFPB exam. Fair Lending and Unfair, Deceptive and Abusive Practices, two key areas of focus for the CFPB during exams, will be explained and compliance methods discussed

Speaker:

• Bonnie S. Nachamie

(62)

58

Thursday, March 14, 2013

10:30 a.m. - 12:00 p.m.

Practical Applications of the New Loan Originator Compensation Rules Tiara Ballroom A Speakers: • Ari Karen Principal, Offit|Kurman • Barton Shapiro

Principal, Offit|Kurman; Formerly CFPB Senior Advisor, and Director US Department of Housing & Urban Development (HUD) Office of RESPA

(63)

59

Thursday, March 14, 2013

1:00 p.m.

(64)
(65)
(66)

62

Tiara Ballroom B

(67)

63 Tiara Ballroom Convention Floor A10 Capital, LLC Boise, ID Booth # 14 www.a10capital.com

A10 Capital is a full service, nationwide lending business specializing in small to middle market commercial mortgage loans. Its core product, a mini perm loan, features an imme-diate term of 3-5 years that is often used to finance proper-ties not yet in a position to obtain longer-term permanent financing

Allied Title, LLC

Flanders, NJ Booth # 3

www.allied-title.com

Title Insurance and Closing Services

Alpha Funding Solutions, LLC

Lakehurst, NJ Booth # 12

www.alphafundingsolutions.com

We are a private direct lender specializing in Rehab, con-struction & Commercial lending, products ranging from hard money, transactional funding, mortgage restructuring, join ventures and note purchases.

Appraisal Nation, LLC

Raleigh, NC Booth # 10

www.appraisal-nation.com

Appraisal Nation is a nationwide appraisal management company (AMC). We offer a multitude of valuation prod-ucts to assist in a variety of lending and collateral assess-ment needs. Our goal is to provide honest, accurate infor-mation that can better inform lenders and homeowners.

CapitalSource

Basking Ridge, NJ Booth # 4

www.capitalsource.com

CapitalSource is a “SBA preferred lender” offering SBA 7(a) and SBA 504 loans $250,000 to $15,000,000. We lend to business owners who are looking to refinance, acquire or expand their businesses. We collaborate seamlessly with brokers to get deals done. Our programs offer flexibility, long-term amortization, and speed to closing.

(68)

64

Investors Bank

Short Hills, NJ Booth # 1

www.myinvestorsbank.com

Investors Bank is a full-service community bank with $12.7 billion in assets and a network of 100 retail branches lo-cated in New Jersey, New York City and Long Island. The Bank provides a full array of financial services for businesses and consumers. Investors is a member of the FDIC and an Equal Housing Lender

Oxford Appraisal Management

Morris Plains, NJ Booth # 2

www.oxfordappraisal.com

Oxford Appraisal Management is your source for profes-sional review services and offender management. Our review staff includes former bank reviewers and a veteran appraisers who are active in a variety of markets and five states. Our highly qualified review appraisers help to ensure USPAP, FIRREA, FDIC and OCC Appraisal Compliance. Are fully transparent process incorporates compliance with the Inter Agency Appraisal and Evaluation Guidelines and is administered via our web portal.

RBAC

Mercerville, NJ Booth # 6

www.rbacloan.com

RBAC provides long term, fixed rate financing (up to 90%) to businesses in New Jersey for acquisition of major, fixed assets - such as land, buildings, equipment and machinery, via the SBA 504 loan program, SBA microloans (up to 50K) are also available through RBAC, statewide, for start ups and growing small businesses.

Silo Financial Corp

Stamford, CT Booth # 11

www.silo-financial.com

Silo Financial is a private equity-based real estate finance company that provides short-term bridge loans and other structured debt products. We specialize in loans that meet capital needs for special situations and other alternative financing requirements that are not typically accommo-dated by traditional lending institutions.

Tiara Ballroom

Convention Floor

(69)

65

Stewart Title Company, New Jersey Division

Parsippany, NJ Booth # 13

www.stewart.com/parsippany

Stewart (NYSE: STC) is a leading provider of real estate services, including global residential and commercial title insurance, escrow and settlement services, lender services, underwriting, specialty insurance and other solutions that facilitate successful real estate transactions. Stewart offers personalized service, industry expertise and customized solutions for virtually any type of real estate transaction.

TD Bank

Greenville, SC Booth # 8

www.tdbank.com

TD Bank is a full service bank from Maine to Florida offer-ing competitive loan and deposit products to meet your needs! Our loans feature fixed or variable rates with terms up to 25 years. We specialize in real estate, equipment, construction, acquisition and franchise financing.

ValueXpress, LLC

New York, NY Booth # 5

ValueXpress is a national CMBS conduit lender, direct com-mercial lender in the NY metro area, and a comcom-mercial mortgage broker headquartered in NYC. It specializes in ar-ranging CMBS financing on multi-tenant retail, multi-family, self storage, multi-tenant office and hotel properties.

Tiara Ballroom

Convention Floor

(70)

66

Equal Housing Lender. ©2013 JPMorgan Chase & Co. 19863B 0213

RELATIONSHIPS

BUILT ON

QUALITY

Together we’ll make the right

decisions for a strong future

Visit chaseb2b.com to learn more.

B

ack

B

y

P

oPular

D

emanD

Mark Your Calendar

"Let's Make A Deal"

2013 Tri - State

Wholesale Lending Fair

Wednesday, July 17, 2013

Trump Taj Mahal Casino Resort

(71)

67

Mark Your Calendar

Joint Annual Golf Outing

Wednesday, July 19, 2013

Beaver Brook Country Club

Annandale, NJ

MARK YOUR CALENDAR

Northeast Conference of

Mortgage Brokers

October 15 - 17, 2013

Trump Taj Mahal Casino Resort

(72)
(73)

69

Grand Ballroom A, B & C

(74)

70 Farmingdale, NY

Booth # 204

www.accurateappmgt.com

Appraisal Management Company

Acquavella, Chiarelli, Shuster, Berkwoer & Co LLP

Iselin, NJ Booth # 114 www.acsbco.com

ACSB & CO., LLP Certified Public Accountants-We provide comprehensive auditing and reporting services including: Financial Statement Audits, HUD Audits, Attestation Services, HUD LASS Reporting and Submissions, Tax Planning & Compliance, IRS Representation and Multi-State Tax Planning, to Conventional, FHA and GNMAE licensed Mortgage Bankers. Our firm leads the industry in understanding the complex tax issues unique to mortgage bankers.

Advisors Mortgage Group

Wall, NJ Booth # 115

www.advisorsmortgage.com

Founded in 1999 by a single loan officer in a 400 sq ft office, more than a decade later Advisors Mortgage Group, LLC has grown into a multi-state bank with offices throughout the United States. Always keeping the lines of communication open has been a key part in the growth and development of the branch program

Aklero Risk Analytics

Fort Washington, PA Booth # 510

www.aklero.com

Loan Quality through the “Life of the Loan”. Aklero’s next-generation, Loan Quality Management Platform, Q-Close™, provides automated “doc & data validation”, credit and compliance reviews, Pre/Post Funding reviews, MERS® Validation and powerful analytics. You can easily identify flaws in your loan production, cure those issues and understand why they happen.

AllRegs

Eagan, MN Booth # 520 www.allregs.com

Vendor Mortgage Industry.

(75)

71 Parsippany, NJ

Booth # 216

www.afmortgage.com

American Financial Resourcdes, Inc is a national wholesale and correspondent mortgage lender

America's Choice Home Loans

Houston, TX Booth # 317

www.achlonline.com

Mortgage Banker, Mortgage Lending Conventional, FHA, VA & USDA

America's Mortgage Institute

Cherry Hill, NJ Booth # 105

www.americasmortgageinstitute.com

We offer live classroom training for individuals looking to become a loan offer, further their product knowledge and take continuing education courses. We also offer company training membership packages.

AmeriSave

Atlanta, GA Booth # 607

www.amerisavetpo.com

AmeriSave supports local mortgage brokers, mortgage bankers, community banks and credit unions. Our technological innovations and unique processing services provide our mortgage lending partners a much-needed avenue into low risk, high performance, high volume mortgage lending. For more information about AmeriSave's wholesale and correspondent services.

AnnieMac Home Mortgage

Mount Laurel, NJ Booth # 602

www.annie-mac.com

AnnieMac Home Mortgage is a direct lender that provides quality loan products to consumers nationwide.

APEX Mortgage

Fort Washington, PA Booth # 301

www.apexmtg.com

APEX Mortgage Corp. is a small balance commercial lender, located in Fort Washington Pa. We make small balance commercial loans from $25,000 to $5000,000. Our simple application process is broker friendly. APEX offers fixed rate, fully amortizing loans to all borrowers with terms up to 25 years As of: February 20, 2013

(76)

72 Green Cove Springs, FL Booth # 527

www.appraisalhost.com

Appraisal Host provides the industry leading appraisal order management platform used by lenders and bankers that wish to manage their appraisal orders internally. Appraisal Host is a fully hosted, turn-key solution. We believe our clients would like their technology to be transparent to them so they can focus on their core business. Our clients tell us time and time again just how easy our system is to use. We have the most user friendly solution in the marketplace today.

Appraisal Hub

Norwood, MA Booth # 525

www.theappraisalhub.com

The Appraisal Hub is a full service residential Appraisal Management Company (AMC) focused on providing solutions for Mortgage Lenders and Bankers nationwide at competitive pricing. As a full service Appraisal Management Company (AMC), we have experienced appraisers throughout the United States, all of which are licensed and insured.

Appraisal Logisitic Solutions, Inc.

Annapolis, MD Booth # 121 www.gotoals.com

ALS is a nationwide appraisal compliance and management company. We consider ourselves an appraisal compliance company with the value proposition of a full service AMC. Our services are custom tailored to meet individual client needs. We are committed to the business of appraisal management. We have the expertise, credentials, guarantees and management model to propel your experience to new heights.

Appraisal Nation, LLC

Raleigh, NC Booth # 315

www.appraisal-nation.com

Appraisal Nation is a nationwide appraisal management company (AMC). We offer a multitude of valuation products to assist in a variety of lending and collateral assessment needs. Our goal is to provide honest, accurate information that can better inform lenders and homeowners.

(77)

73 Belmont, MA

Booth # 410

www.bankersadvisory.com

Whether you choose an AMC for compliance purposes, cost savings or ease of centralizing

appraisals; know that Appraisal Nation's of products, services and commitment to excellence makes us the best solution for all of your collateral assessment needs.

Bankrate

North Palm Beach, FL Booth # 418

www.bankrate.com

Bankrate publishes original and objective personal finance stories to help consumers make informed financial decisions. Our staff of award-winning reporters and editors provides expert advice on just about every major financial decision facing our readers: from purchasing their first home, to selecting a new car, to saving for retirement.

Best Rate Referrals

Las Vegas, NV Booth # 106

www.bestratereferrals.com

Mortgage marketing company focused on providing products & services that drive more loans. Online lead generation, direct mail services, list services, live transfers, and top tier website placement.

BNB Bank

NY, NY Booth # 611

www.bnbbank.com

Why Turn Away Big Income Opportunities? We put $$ in your pocket with little effort on your part! Let us show you why BNB Bank is the Preferred SBA lender in NY/NJ/PA/CT/ MD/DE. We also offer Commercial investment and O/O properties Decisions in 48 hours!

(78)

74 Dallas, TX

Booth # 222

www.calyxsoftware.com

PointCentral is the nation's preferred mortgage platform because of its affordability, simplicity & functionality from online applications from your WebCaster website to the sale of the loan. The server-based solution, which offers electronic document management and remarkable control with robust rules engine and added security also integrates seamlessly with Calyx Decisioning Systems suite of AUS and pricing products for consentient system designed for the specific needs of lenders.

CapitalSource Basking Ridge, NJ Booth # 203 www.capitalsource.com CBC Innovis Columbus, OH Booth # 400 www.cbcinnovis.com

CBC Innovis is a leading provider of information and analytics to the mortgage industry. Our diverse portfolio of customizable solutions is designed to assist with risk-based pricing; loan quality; 4506 T-verification; Red Flag; OFAC and Patriot Act Compliance; identity verification; and fraud prevention. For more information, call 1-877-284-8322 or email sales@cbcinnovis.com

Cenlar FSB

Ewing, NJ Booth # 206 www.cenlar.com

Cenlar FSB specializing in subservicing nationwide. We offer loan servicing that saves money, reduces risk and ensures customer satisfaction. Ask us about our customized private label programs today by calling 1-888-SUBSERVE

CIS

Allamuchy, NJ Booth # 311 www.cisinfo.net

(79)

75 Rockville, MD

Booth # 112

www.coestervms.com

CoesterVMS is a nationwide provider of valuation management technology and services. In addition to Could Control appraisal management technology, the company provides full service, end-to-end valuation services for both commercial and residential properties, and specializes in appraisal reports that fully comply with all appraisal regulations and guidelines

Cole Taylor Mortgage

Ann Arbor, MI Booth # 212

www.coletaylormortgage.com

Cole Taylor Mortgage originates conventional and government residential mortgages in 40 states and D.C. through a network of mortgage brokers, correspondents, and retail branches. As a division of Cole Taylor Bank, which has been in business over 80 years, Cole Taylor Mortgage has the strength and stability, without the legacy issues, to compete in today’s marketplace.

Compliancease

Brulingham, CA Booth # 618

www.complianceease.com

ComplianceEase's flagship solution-ComplianceAnalyzer®

empowers lenders to preform loan-level audits on federal and state consumer protection laws and regulations with real-time results. The product has been widely adopted by top tier banks and regulators.

Corcoran Law Group LLC

Paramus, NJ Booth # 314

www.corcoranlawgroup.com

The Corcoran Law Group, LLC - Full service law firm to the Mortgage lending industry, serving Brokers, Bankers and Banks transitioning among the states of New Jersey, New York and Pennsylvania. Hand on assurance that Compliance Rules are implemented and risk eliminated. Assures that the theory in the Rules becomes a reality in the Process

(80)

76 Salisbury, MD

Booth # 201

www.creidtplus.com

Credit Plus, Inc., a leader in mortgage information services, provides mortgage professionals nationwide with unsurpassed products, service and technology to help them close more loans. The company offers credit reports, scoring tools, Tax Return Verifications, Undisclosed Debt Monitoringª powered by Equifax¨ and many other services.

CUMAnet, LLC

Basking Ridge, NJ Booth # 218

www.cumanet.com

Cumanet provides fully customizable and transparent fulfillment services for mortgages, Home Equity's and private label servicing

Data Verify

Chesterfield, MO Booth # 402

www.dataverify.com

CBC Innovis is a leading provider of information and analytics to the mortgage industry. Our diverse portfolio of customizable solutions is designed to assist with risk-based pricing; loan quality; 4506 T-verification; Red Flag; OFAC and Patriot Act Compliance; identity verification; and fraud prevention. For more information, call 1-877-284-8322 or email sales@cbcinnovis.com

Ditio Appraisals

Pittsburgh, PA Booth # 113 www.ditio.com

We are an appraisal firm that offers multiple state coverage through three processing centers in Pennsylvania, North Carolina & Florida. We provide an exceptionally prompt and professional product supported by our full time assistants and coordinators; this consistently results in a seamless and thorough appraisal process from order to delivery.

(81)

77 Lakewood, NJ

Booth # 202

www.docprobe.net

DocProbe helps lenders collect trailing documents post closing systematically, efficiently, and quickly. Documents are visible to our clients online via our web portal, and originals are sorted and sent to each investor according to their specific requirements. Thanks to our robust system and large volume, DocProbe can offer this service to lenders at rock-bottom prices.

Donegan & Associates Agency LLC

Marlton, NJ Booth # 421

www.doneganagency.com

Insurance agency specializing in coverage for mortgage bankers and brokers. Coverage's include but not limited to Surely Bonds. Special Mortgage Banker Bonds, Professional Liability and Mortgage Protection Policies

Ellie Mae Inc.

Pleasanton, CA Booth # 220 www.elliemae.com

Ellie Mae® provides on-demand mortgage technology

solutions that automate and simplify the entire mortgage process. Its Encompass360® end-to-end solution delivers

rapid ROI and helps lenders achieve loan quality, compliance and efficiency. Over 70,000 users rely on Ellie Mae technology to process loans. See why at elliemae. com.

Emigrant Mortgage Company

Elmsford, NY Booth # 411

www.EmigrantMortgage.com

Emigrant Mortgage Company, a subsidiary of Emigrant Bank, is a portfolio lender specializing in creative “niche” financing solutions for both Residential and Commercial Properties. Emigrant can finance loan amounts up to $10 million. Emigrant’s Programs offer financing options for traditional borrowers as well as non-US citizens/foreign nationals and borrowers with insufficient credit

(82)

78 Pittsburgh, PA

Booth # 517

www.EntitleDirect.com

ENTITLE DIRECT is a 30 year old title insurance underwriter that files rates and provides title insurance up to 35% below market rates, as well as, nationwide closing services. Offer lower closing costs to your borrowers and win more deals with substantially lower title rates, line 4 of GFE. ENTITLE DIRECT offers superior service, competitive pricing, online quotes, secure technology and an exceptional customer experience. . Find out more contact 877-636-8485 or AmOrders@EntitleDirect.com.

Equity National

East Providence, RI Booth # 102

www.equitynational.com

Nationwide Title, Settlement and complete Appraisal Services since 1989. We also specialize in forensic appraisal reviews and buyback protection.

Cyber Café

Sponsored by: Essent Guaranty Inc

Radnor, PA

Booth # 613,615,617 www.essent.us

Essent Guaranty, Inc. is a national provider of private mortgage insurance, established to provide private capital to America's housing finance system. Backed by a premier group of investors, Essent’s mission is to support homeownership by providing clear, fair and reliable mortgage insurance protection to lenders and mortgage investors.

FACTiNTEL

Chicago, IL Booth # 524 www.factintel.com

FACTiNTEL™ is a national provider of comprehensive fraud

detection and verification services. With more than a decade of experience in risk evaluation, our unique Expert Services eliminates hours of lost underwriting time due to false fraud alerts. Our comprehensive suite of services includes: 4506T, 1003 fraud report, SSA Direct, and are fully compliant with investor requirements.

(83)

79 Plano, TX

Booth # 111

www.fairwaywholesalelending.com

Fairway Wholesale Lending provides mortgage services to our customers. Our products are conventional, FHA, VA, USDA & DM Refi plus loans.

Fifth Third Mortgage

Cincinnati, OH Booth # 302

www.53.com/wholesalemortgage

Fifth Third mortgage, one of the top 15 wholesale mortgage lenders in the country, is committed to the wholesale business and to brokers like you. Together, we can offer customers a better tomorrow by bringing them smart solutions, today.

Flagstar Bank

Troy, MI Booth # 116

www.wholesale.flagstar.com

Flagstar Bank, FSB is one of the nations largest mortgage lenders, We have been a major force in the mortgage industry since the company's incorporation in 1987. Additionally, Flagstar Bank is known as the technology leader in the mortgage industry.

Fortune Title Agency, Inc.

Roseland, NJ Booth # 417

www.fortunetitle.net

Whether it's title insurance, reporting or examinations, we've got the expertise, resources & experience for any title resolution. Our technologies and partnerships help us et the job done quickly & accurately, while our customer services always exceed expectations. We can even help you grow your business and stay top of mind with all your clients.

Franklin American Mortgage

Middlton, MA Booth # 403

www.franklinamerican.com

Franklin American is a full service conventional and government wholesaler. We pride ourselves on industry leading technology and process which includes our 5 hour closing guarantee. Our conservative values continue to guide us in today’s market. Please come by our booth to meet our sales staff and discuss any opportunities we may have to help your company.

(84)

80 Mount Laurel, NJ

Booth # 100

www.freedomwholesale.com

Freedom Mortgage Corporation is a full service national mortgage banker engaged in Wholesale, Correspondent, Warehouse lines and servicing of residential mortgage loans. Visit us at:www.freedomwholesale.com

Genworth Mortgage Insurance

West Deptford, NJ Booth # 425

www.mortgageinsurance.genworth.com

At Genworth, our approach to mortgage insurance is anchored by our greatest promise — a steadfast commitment to our partnerships. In addition to our competitive rates and underwriting guidelines, we are committed to being your full-service MI provider with a suite of industry-leading differentiators: our Coverage Commitment, our Service Commitment and our Value Commitment. Learn more at mortgageinsurance.genworth. com.

Global DMS

Lansdale, PA Booth # 319

www.globaldms.com

Global DMS is the mortgage industry's preeminent provider of commercial and residential real estate valuation technology solutions catering to the lenders, servicers, AMCs appraisers and other real estate entities. Visit the company's site at globaldms.com

Gold Star Mortgage Financial Group

Ann Arbor, MI Booth # 313

www.goldstarfinancial.com

Gold Star Mortgage Financial Group. Residential Mortgage lender, offering branch affiliate opportunities.

Guaranteed Rate, Inc.

Hammonton, NJ Booth # 305

www.guaranteedrate.com

Mortgage Lender

References

Related documents

Where the Marginally Indigent Defendants‟ Attorneys program helped those who could not quite qualify for Massachusetts Defenders Committee representation in the criminal

Wendy Ford Service to department, College, University, community, and/or professional society.. Governing Board of the QCC Auxiliary Enterprise Association, Inc., Budget

• To study the impact of children, mother and family characteristics on children’s influence on parents buying decisions..

Provide consulting services to Stewart Title Guaranty on statutory accounting for small title insurance underwriter, including filing of quarterly and annual financial

Court of Appeals, supra.;  Pakistan International Airlines Corporation v..

cannot separate using a magnet wood chips and iron nails salt and sugar steel buttons and plastic buttons  copper bracelets and silver bracelets iron powder and

Real estate, which is commonly a core component in a diverse investment portfolio, is available through Standard Chartered (Jersey) Limited – a part of the Standard

 Submit: A copy of statute, ordinance or adopted policy establishing authority of Chief Procurement Official to award contracts without a dollar threshold for goods and