30
thannual
regional conference
of mortgage bankers
associations
march 10 - 14, 2013
program book
program book sponsor
Rely on us to serve your
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To learn more call (866) 946-0081 to speak with an Account Executive or go to www.phhmortgagesolutions.com.
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1. Based on third quarter 2012 statistics. Inside Mortgage Finance, November 23, 2012.
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
ii
Thank You MBA-NJ Platinum Sponsors
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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.
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
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
4
2013 Commercial/Residential
Conference Partner
www.myinvestorsbank.com
2013 Conference Partner-
Tuesday Cocktail Reception
5
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THE MPF
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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
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.
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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# 710310
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
11
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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
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
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
17
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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.
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).
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
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
22
Sunday, March 10, 2013
4:30 p.m. - 9:00 p.m.
Registration/Information Desk Open
23
Sunday, March 10, 2013
7:00 p.m. - 9:00 p.m.
Opening Networking Cocktail Reception
24
Monday, March 11, 2013
7:30 a.m. - 8:00 p.m.
Registration/Information Desk Open
25
Monday, March 11, 2013
7:30 a.m. - 9:00 a.m.
Continental Breakfast
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
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
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
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
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
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
32
Monday, March 11, 2013
6:00 p.m. - 8:00 p.m.
Networking Cocktail Reception
Diamond Ballroom C/D
33
Tuesday, March 12, 2013
7:30 a.m. - 9:00 p.m.
Registration/Information Desk Open
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
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
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
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
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
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.
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
41
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Corporate Headquarters: 9 Entin Rd., Parsippany, NJ 07054 Toll Free (888) 616-6866
Visit us at www.MaverickWholesale.com
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Our Loan Products
• FHA
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• Conforming
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Our Services
• Experienced Account Executives and
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• 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.
42
Wednesday, March 13, 2013
7:30 a.m. - 8:00 p.m.
Registration/Information Desk Open
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
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
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
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
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
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
49
Wednesday, March 13, 2013
12:30 p.m. - 2:30 p.m.
Lunch in the Exhibit Hall
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
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)
52
• Timothy Siwy
NMLS Ombudsman; Director of the Bureau of Compliance and Licensing, Pennsylvania Department of Banking
Maryland
• Keisha Whitehall Wolfe
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
54
Thursday, March 14, 2013
8:00 a.m. - 1:00 p.m.
Registration/Information Desk Open
55
Thursday, March 14, 2013
8:00 a.m. - 9:00 a.m.
Continental Breakfast
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
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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
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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
59
Thursday, March 14, 2013
1:00 p.m.
62
Tiara Ballroom B
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.
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
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
66
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Mark Your Calendar
"Let's Make A Deal"
2013 Tri - State
Wholesale Lending Fair
Wednesday, July 17, 2013
Trump Taj Mahal Casino Resort
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
69
Grand Ballroom A, B & C
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.
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
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.
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!
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
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
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.
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
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.
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.
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