61st Annual Convention June 18–19, 2014
Delray Beach Marriott
Presenting
Andre J. van Rensburg
INTERNATIONAL KEYNOTE AND MOTIVATIONAL SPEAKER
MANAGEMENT CONSULTANT AND TEAM TRAINER
As Our Keynote Speaker
Wednesday June 18th
10 AM Registration Open
2—4 PM Annual Business Meeting
MBAF President Address and Welcome by Alex Castellanos
MBA National Update, Bill Cosgrove, CMB, Chairman-Elect, MBA, Washington, DC and Chief
Executive Officer of Union Home Mortgage
Legislative Report, Eric Prutsman, Esq.
Committee Reports, Chairs
Carole Hendricks, Communications
Sandy Garcia and John Cosculluela, CMB, Convention
Pat Gaver, Future Leaders
Jay Ralstin, Legislative
Michael Azzarello, CMB and Kevin Strickland, Membership
Jay Ralstin and Dan Harrison, Secondary Conference,
Dan Harrison Presents the Nominating Report and Election of 2014/2015 Officers
President - Jay Ralstin, Envoy Mortgage—No Vote Needed
NOMINATED OFFICERS - To be voted on at the Annual Business Meeting
President Elect Sandy Garcia, Sierra Pacific Mortgage
Vice President Kevin W. Strickland, SunTrust Mortgage
Secretary-Treasurer Pat Gaver, Capital City Bank
Second Vice President Matthew Goldman, W.J. Bradley Mortgage Capital, LLC
NOMINATED DIRECTORS - 2-year terms - To be voted on at the Annual Business Meeting
Brett Bosarge, BB&T
Randi Gocinski, Radian
Cammie Aucoin, Sierra Pacific Mortgage
NOMINATED DIRECTORS - 1-year term
Michael Azzarello, CMB, Platinum Home Mortgage
President Alex Castellanos Recognizes and Presents Awards and Appreciation to our 2013/2014 Board of
Directors and Executive Committee
6—7:30 ? Or Later! PM Talent Show and Reception!
Continuing with our TEAMS theme, join us for a fun filled and exciting time and watch as our Local
Chapters bring us a look at the hidden talents of our members! There will be judging and a grand prize
awarded. After the show the evening is yours to explore Delray Beach.
4:15—5:15 PM
TEAMS “Together Everyone Achieves More Success”
Andre J. van Rensburg
You will have a complete understanding of the underlying principles
of synergy so that you can assess your own effectiveness and strate-
gically focus on those issues that may impede the efficiency of the
team. “TEAMS” uses analogies with nature and the lessons that
work teams can learn from animals that live in packs, herds and
prides. You will be amazed at how the animals react and act in cer-
tain situations which leads to an understanding of what we can learn
through nature.
Moderator: Alex Castellanos
Thursday June 19th
8 AM Registration Open
7:45—9 AM—CMB Society of Florida Breakfast
Meeting with speaker Tom Millon, CMB, Presi-
dent and CEO, Capital Markets Cooperative —The
CMB Society of Florida invites you to enjoy this
breakfast meeting if you are a CMB or interested in
hearing about becoming one. This is included in
your registration fee but you must check off on the
form if you will be attending so we have enough
room and food ordered. Other convention break-
fasts are listed below.
8—9 AM—Incoming Local Chapter Presidents
Orientation and Breakfast The incoming Local Chapter Presidents will meet to
review their state board duties and provide an ori-
entation to the activities for the year. You will also
elect someone as a representative on the MBAF
Executive Committee from your group.
8-9 AM—Attendees Breakfast (not going to
the CMB or Local Chapter Breakfasts)
9—10 AM—Economic Update
Doug Duncan, Chief Economist, Fannie Mae
10—11 AM—Appraisal Panel
Dave Bortolotto, Chief Appraiser, Mortgage Infor-
mation Services, Inc.
Tom Moser, QC Manager, Dart Appraisal
Mike Floyd, Chief Appraiser, Streetlinks
11—11:20 AM—Refreshment Break
11:20—12:20—Looking Beyond the Forest for
the Trees: QM is Just the Beginning
Jennifer Creech, CEO/President, InHouse USA
QM and CFPB are the priorities most in the busi-
ness are concerned about these days, and there
are very good reasons for us to be focused on
those topics. But there is a bigger picture – a
much bigger picture – beyond the trees in our in-
dustry’s path. The government is still our primary
investor, and QM and QRM are initiatives intended
to standardize investor-grade mortgages going for-
ward so that we can reduce the government’s in-
volvement and return to an industry funded pri-
marily by private capital. What can the valuation
community do to make that larger goal come to
fruition and usher in new, better era for mortgage
liquidity? Among other things, we can use technol-
ogy to manage our processes better and more
transparently, provide superior products and ser-
vice to our borrowers, and bring lenders greater
control in their compliance and collateral risk sce-
narios.
In this session, Jennifer Creech, president and CEO
of InHouse, Inc. illuminates the role of the valua-
tions industry in creating a compliant, economical
and transparent lending environment for the pre-
sent and future.
12:20—1:30 PM—Networking Luncheon
1:30—2:30 PM—Executive Panel
Bob Cabrera, CEO, Regions Mortgage
Stan Middleman, CEO, Freedom Mortgage
Charles Clark, SVP, Director of Mortgage Ware-
house Finance, EverBank
Jeffrey Walker, Executive Vice President, Retail
National Production Manager, SunTrust Mortgage
2:30—2:45 PM—Refreshment Break
2:45—3:45 PM—Technology Showcase
Michael Kelleher, Co-Founder, Easy Mobile Apps
Vincent Furey, OpenClose®
Don Rubin, New Account Sales, Calyx Software
Michael Dennis, Chief Security Evangelist,
InnerTag Inc.
3:45-5 PM-Industry Panel
Christy Moss, Senior Account Manager Business
Development Fannie Mae
Terry Koerner, Account Manager, Community
Lending, Freddie Mac
Tim Lange, Senior Director for Policy for the Na-
tionwide Multistate Licensing System (NMLS)
David Westcott, Director, Homeownership Pro-
grams, Florida Housing Finance Corporation
Dan Rogers, III, Director, Atlanta Home-
ownership Center (HUD)
6—10 PM (Evening Dressy)
Installation Reception and Banquet
Installation of the 2014/2015
Officers and Local Chapter Presidents
Presentation of the Brown L. Whatley Award
(Reception at 6 PM—Dinner Seating at 6:45)
Friday June 20th
8—11 AM
2014/2015 Board of Directors Breakfast and Meeting
Registration Information and Policy
Please register in advance. This enables MBAF to give accurate counts to the hotel and have all your
convention materials ready before you arrive.
Please pick up your name badge and registration packet at the MBAF registration area. Your full registra-
tion fee entitles you to attend all seminars, daytime food functions, and the evening parties. Full conven-
tion attendees will be given an official badge.
Three Ways to Register: Fax, Mail, Online! We accept: Visa, MasterCard, AMEX and checks.
First Time Attendees Receive a Discount
First time convention attendees receive a $50 discount off your full convention registration fee. Just check
the box on the registration form and deduct the $50.
**Please note: If a spouse or guest is employed in the mortgage banking industry, they must pay the
full registration fee.
Convention Registration Cancellations
The MBAF will accept convention registration cancellations in writing only by June 6, 2014 minus a $75
non-refundable cancellation fee. There will be no refunds for cancellations after June 6th or for no shows.
Once we make our guarantee to the hotel they do not allow any reductions.
Badges
You will be given a name badge at the registration desk. This badge is proof of your registration and must
be worn to all events to be admitted to all MBAF sponsored functions, or if your guest is not registered for
all convention activities they must present a ticket for admittance.
Dress Code
For all seminars resort casual is appropriate. The Installation Banquet is Evening Dressy. We also ask that
during seminars to remember to put your cell phones on silent and try to keep texting and returning mes-
sages until a break to be fair to those around you and the speakers.
Hotel Information
Delray Beach Marriott 10 North Ocean Blvd. , Delray Beach, Florida 33483
http://www.marriott.com/hotels/hotel-information/travel/pbidr-delray-beach-marriott/
Standard Room Single/Double Occupancy $159 Partial Ocean View Room Single/Double Occupancy $169
Partial Ocean View King Suite Single/Double Occupancy $179
Toll Free Room Reservations: 1-877-389-0169
Direct Hotel Phone: 1-561-274-3200 Room Reservation Cut-off Date: May 23, 2014
Bill Cosgrove, CMB, Chairman-Elect Bill Cosgrove, Chairman-Elect of the Mortgage Bankers Association, is
the Chief Executive Officer of Union Home Mortgage Corp., headquar-tered in Strongsville, Ohio. After joining what was then Union National
Mortgage Co. in 1994, Mr. Cosgrove was named company president just three years later. He then went on to purchase Union National in 1999. Union Home Mortgage will close over $1.2 billion in lending this
year.
In 2007-2008, Bill served as President of the Ohio Mortgage Bankers
Association. He serves on the MBA Board of Directors, is Chairman of MBA’s Diversity Committee, and has served on MBA’s Residential Board
of Governors (RESBOG) and the RESBOG Steering Committee. From 2008 to 2010, he was the Chairman of MBA’s Mortgage Bankers Political Action Committee (MORPAC), where he led efforts in raising $1.1 million dollars for industry activism. In 2011,
he was awarded the MBA’s Burton C. Wood National Legislative Service Award for his legisla-tive efforts on behalf of the mortgage banking industry. He has also served as Chairman of
MBA’s GSE Repurchase Request Task Force and was Co-Chairman of the Loan Originator Qualification Task Force.
Bill’s mortgage banking career began in 1986 as a residential loan officer. In 2000, at the age of 38, he was named by Crain’s Cleveland Business as a “40 under 40” top young executives
in Northeast Ohio. In 2003 he was inducted into the Bedford, Ohio High School Distinguished Hall of Fame for his accomplishments in Mortgage Banking. In 2004, he earned MBA’s Certi-
fied Mortgage Banker (CMB) designation. In 2008, Cosgrove was awarded the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association.
Charles Clark, SVP, Director of Mortgage Warehouse Finance, EverBank Mr. Clark has over 30 years’ experience in the financial services industry. Prior to joining EverBank in April of 2012, he founded and managed the Warehouse Lending group as Senior
Vice President at MetLife Bank for two years. Over the previous 10 years, he founded and managed the Structured Products Group for Sovereign Bank Capital Markets Division as
Senior Vice President. This group included the commercial, multi -family, and residential mortgage warehouse, as well as structured finance and securitization support for the bank’s balance sheet and clients. Over this period his group sold or securitized over $10 BLN in five
different asset classes. They were also responsible for originating and managing a $3.5 BLN mortgage warehouse portfolio. Prior to Sovereign, Mr. Clark held various positions with
four large investment banking firms including Morgan Stanley, Citigroup, Merrill Lynch, and Lehman Bros. His primary focus there was in sales, trading, and structuring of asset backed and mortgage backed securities and loans
Jennifer Creech, CEO / President, InHouse USA Jennifer brings over 20 years of senior management experience in
both retail and wholesale mortgage origination to InHouse. Her in-
dustry leadership and lender’s insights provide tremendous depth in
both the operations and origination aspects of the company’s busi-
ness, benefiting clients and vendors alike. Jennifer oversees In-
House Inc.’s day-to-day activities and is dedicated to creating the
most responsive, customer-centric appraisal and appraisal manage-
ment technology provider in the industry. She personally manages
and supervises many of the company’s client relationships and is
intimately involved in strategic decisions with all clients.
Her career includes managing 2.5 Billion of annual production at PNC/WAMU as a senior ex-
ecutive and building a de novo sales organization for RBC Mortgage (Royal Bank of Canada)
as senior vice president. As executive vice president at DeepGreen Financial, she was re-
sponsible for 5.5 Billion of annual production through their wholesale channel as well as for
re-branding the corporate identity.
Douglas G. Duncan – Vice President and Chief Economist, Fannie Mae Douglas G. Duncan is Fannie Mae’s vice president and chief economist.
He is responsible for managing Fannie Mae’s Economic & Strategic
Research Group and the Economics & Mortgage Market Analysis Group. In this leadership role, Duncan provides all economic, housing, and mortgage market forecasts and analyses and serves
as the company’s thought leader internally and with external con-stituent groups.
Named one of the country’s top four most accurate economists in
2010 by the Wall Street Journal, one of Bloomberg / Busi-nessWeek’s 50 Most Powerful People in Real Estate, and one of In-man News’ 100 Most Influential Real Estate Leaders for 2011,
Duncan is an important source of information and commentary on the external business and economic environment, and is a key spokesperson on the economy, housing, and
mortgage markets. Prior to joining Fannie Mae, Duncan served as senior vice president and chief economist of
the Mortgage Bankers Association (MBA) since 2000. Duncan served as the primary spokesperson on economic and mortgage market developments and performance for the
MBA, a trade group representing 3,000 companies that make the majority of all residential, multifamily, and commercial real estate loans in the U.S.
Before joining the MBA in 1992, Duncan worked on Capitol Hill as a LEGIS Fellow and staff member on the Committee on Banking, Finance, and Urban Affairs, and at the U.S Depart-
ment of Agriculture’s Economic Research Service. He has been elected to the Board of Di-rectors for the National Association of Business Economists, is a member of the American Economics Association and the American Real Estate and Urban Economics Association, and
is past president of the Housing Statistics Users Group.
Duncan received his Ph. D. in Agricultural Economics from Texas A&M University and his B.S. and M.S. in Agricultural Economics from North Dakota State University.
Mike Floyd Chief Appraiser, SVP of Compliance StreetLinks Lender Solutions® A practicing appraiser for nearly 20 years, Mike currently holds a
Certified Residential Appraiser license from the State of Indiana. As a founding member of StreetLinks’ predecessor, Superior Ap-praisal Services, Mike assisted in the training, education and in-
ternal quality assurance of a team of over 30 appraisers. His in-sight and expertise helped grow Superior from a local appraisal
firm into one of the largest direct appraisal providers in the Mid-west – and eventually, one of the largest and fastest growing non-captive AMCs in the country. As StreetLinks’ Chief Apprais-
er, Mike created and implemented the company’s extensive quality control and appraisal risk analysis procedures, which proved to be instrumental in en-
abling StreetLinks to become an industry leader. Today, as StreetLinks' Chief Appraiser and SVP of Compliance, Mike focuses on product quality, continuing vendor and internal educa-tion, consistent client communication, compliance with industry standards and AMC-specific
legislation, and new product development.
Christy Moss, Sr. Account Manager Business Development, Fannie Mae Christy Moss is a Senior Account Manager in the Business Develop-ment group within the Customer Engagement organization at Fannie
Mae. In here current role, she is responsible for working with lenders during the lender approval process as well as helping to support Fan-
nie Mae’s presence at industry conferences. In her previous role, she worked with lenders in the New England
markets, Florida and Alabama as a relationship manager.
Before joining Fannie Mae in 2008, Christy worked with Wachovia Mortgage and GE Capital Mortgage Services in correspondent lending.
Tom Moser, Quality Control Manager, Dart Appraisal Tom Moser is the Quality Control Manager at Dart Appraisal, an appraisal management
company based in Troy, Michigan. In this role, he ensures appraisal reports completed by Dart’s national appraiser panel meet the quality expectations and specific require-ments of the company’s clients. He is an expert at collateral risk analysis, leveraging 19
years of experience in the mortgage and appraisal industry. Before joining Dart, he worked for 12 years as a Fraud Investigator and Quality Control Supervisor at Home-
Comings Financial, a GMAC company.
Vincent Furey, SVP Lending Solutions,
OpenClose With more than 20 years of senior level banking experience, Vince is an industry veteran who has been instrumental in build-
ing and guiding profitable national lending platforms for both public and private institutions. In his current role, Vince leads
national sales and business strategy for OpenClose, focusing on the growth of their award winning Enterprise Lending Sys-tem. He has extensive experience in national sales, operations,
compliance, secondary marketing, credit and lending technolo-gy.
Vince joined OpenClose from Ovation7, LLC, a national consult-ing and business services firm he founded. There, he providing
C-level outsourced solutions to the banking and financial services industries with a speciali-zation in CIO/CTO level technology consulting, strategic planning, asset management, busi-
ness development and loan delivery. He has held senior leadership positions in the retail, wholesale and correspondent sales and operations platforms of industry players such as Mellon Bank, Bank One and Pinnacle Financial Corp
Andre J. van Rensburg is a management consult-
ant and highly sought-after keynote and motivational speak-
er on the subjects of identifying your business’ territory,
leadership, leveraging strengths, successful and sustainable
teamwork. An American citizen, he was born in South Africa
and has worked in various parts of the world including South
Africa and the UK. He has been living in the USA since
1999. He has a legal and a post-graduate qualification in Re-
al Estate Development. He was the CEO and majority share-
holder of the oldest privately owned real estate company in
South Africa. Since moving to the United States, Mr. van Rensburg has owned several suc-
cessful companies including Steer & Company USA, Prudential Commercial Real Estate,
and People’s Dynamic Development - a management consulting firm.
Mr. van Rensburg has delivered presentations about various aspects of management,
leadership, commercial real estate and the creation of successful and sustainable teams.
He has taught various specialty commercial real estate- and leadership courses all over
the world.
Mr. van Rensburg is a senior instructor for the CCIM Institute and Realtor’s Land Institute.
He has been awarded the 2009 Instructor Rising Star Award by the CCIM Institute. He was
also awarded the 2009 and 2010 Instructor of Distinction for the Realtor’s Land Institute
and the 2011 CCIM Instructor of the Year—Introduction to Commercial Real Estate. He is
also a Paul Harris Fellow.
Mr. van Rensburg recognized after running several successful companies and working with
very dynamic and successful people that there are certain uniform principals that success-
ful people and companies all consistently apply. He has been sharing these principles to
international audiences for many years. His incredible passion for the African bush together
with his training, understanding of people and experience in the business world has created
a natural platform for him to excel in speaking, teaching and consulting. His approach is
unconventional and quite different from traditional keynote sessions simply because his
TEAMS – “Together Everyone Achieves More Success” series uses analogies with na-
ture and the lessons that teams can learn from African animals that live in packs, herds
and prides. He illustrates why teams have excelled while great individuals have perished in
these economic times. He uses video footage and pictures to show how a true understand-
ing of natural behavior within a team and leveraging that knowledge affords the members a
greater opportunity to success.
David Westcott, Director, Homeownership Programs Florida Housing Finance Corporation David Westcott was appointed Director of Homeownership Programs at Florida Housing Fi-nance Corporation in October of 2005. In that capacity, he oversees Florida Housing’s Single
Family Mortgage Revenue Bond (First Time Homebuyer) Program and the Mortgage Credit Certificate Program, among others. Prior to his appointment as Director of Homeownership
Programs, he served as Florida Housing’s Multifamily Bonds Program Administrator for four years. Prior to that, he practiced real property and administrative law in both the public and private sectors in Tallahassee. Mr. Westcott received his Bachelor of Science in Political Sci-
ence and his Juris Doctor degree, with Honors, from Florida State University.