page 6 president’s message - mortgage bankers … · the westin la cantera hill country resort ....

Greetings TMBA Members,

I am happy to announce that the Texas mortgage industry appears to be thawing out and production around the state is definitely on the upswing−so we all have cause to celebrate the apparent end of the first real winter many have experienced in years.

To date we have all survived the operational gymnastics necessary to implement QM, Non-QM, ATR, and new appraisal requirements. The feedback on the streets is that there may be a few adjustments left, but most have adjusted and are working diligently to train staff and comply. As an industry there continues to be many items of interest−most notably at this time is the discus-sion happening in Washington around GSE reform. For those of you that have not tuned in to this very important topic it may be worth your time to engage in a little research while the debate rages on in the House and Senate about the need to reform or not to reform Fannie Mae and Freddie Mac.

In San Antonio we are already beginning to see signs of some beautiful spring weather and you still have time to register for what promises to be one of the best TMBA Southern Secondary Conferences our organization has presented. Truly this year’s committee has outdone them-selves and the line-up of speakers is impressive. To name just a few of our guests we have David Lowman, Executive Vice President for Single Family Business Freddie Mac, Andrew Bon Salle, Executive Vice President and Head of Single Family Underwriting and Capital Markets for FNMA, Michael Drayne Senior Vice President, Office of Insurer & Portfolio Management for GNMA, Brian Webster, Originations Program Manager with the CFPB, Mike Fratantoni, Chief Economist & Senior Vice President of Research and Industry Technology for the Mortgage Bankers Association, and Harry Dent bestselling author and founder of Dent Research. The list continues with representatives from HUD, FHFA, and numerous securitization specialist and industry pundits. The number of registrants has already exceeded last years at more than 350 pre-registered. The event will be held in San Antonio at the La Cantera Hill Country Resort on February 25 & 26. The quality of the programming is directly related to the excellent committee members and their tireless efforts to host a program worthy of national participation so please join us.

I am very proud to announce the recipients of the 2014 Future Leaders Scholarship: Rachel West with Southwest Bank, Jon Hodge with Nationstar Mortgage, Michael Lee with Starkey Mortgage, and Chad Gomoll with Genworth Mortgage Insurance. I know that this group will represent Texas well on the national front and we are very proud that our association is able to continue to support this excellent program provided by the MBa.

Following the Southern Secondary is our convention this year held at the Hyatt Hill Country Resort beginning May 4. Additionally, this year’s meeting will be preceded by a special offering from the Lincoln Leadership Institute of Gettysburg at The Alamo. This is an incredible opportu-nity to build your team and sharpen your leadership skills. If you are interested you must register by April 1.

Last and never least, we need to work on our PAC. Frankly we trail so far behind our industry peers it is becoming embarrassing, so please consider supporting your industry and give to the TMBPAC.

Hope to see you all next week in sunny San Antonio!

Sincerely,

Susan T. Stewart2013-2014 PresidentTexas Mortgage Bankers Association

JANUARY | FEBRUARY 2014 Vol. XXII No. 1

President’s MessageOff icers PresidentSusan T. Stewart, San AntonioVice PresidentTom Rhodes, AustinSecretary/TreasurerTom Tallent, AMP, CMB, Fort WorthAssociate RepresentativeJ. Kevin Gugenheim , HoustonPast PresidentTimothy Fisher, DallasPast PresidentDavid E. Frase, CMB, AMP, DallasExecutive Vice PresidentLisa Vercher, AustinGeneral CounselJohn Fleming, Austin

DirectorsBlane L. Bauch, HoustonJudith A. Belanger, CMB, HoustonMichael A. Carroll, AustinJames Clapp, PlanoAmy J. Coke, Dallas Tracy Maynard Cole, Fort WorthBrian Collins, Fort WorthClifton A. Crabtree, HoustonScott Gillen, CMB, HoustonJason Gillespie, AMP, CMB, DallasDana Gompers, CMB, HoustonJonathan M. Grafflin, IrvingMichael L. Kennemer, AddisonRenessa Knowles, LubbockMichael Lima, LewisvilleMike Manley, San AntonioDayna D. McElreath, AustinPaulina S. McGrath, HoustonJodie Morgan, AMP, CMB, CoppellSean O’Neill, CLBB, RichardsonChad Overhauser, AustinMary Pirrello, AMP, DallasAllan B. Polunsky, San AntonioMark A. Raskin, DallasRuth Ruhl, DallasTodd Salmans, DallasBilly F. Vaughn, DallasThomas F. Vetters, II, AustinTrey Worley, Dallas

Aff i l iate DirectorsTBD, Dallas MBARuth Lopez, El Paso MBA

www.texasmba.org t www.texasmortgagel icensing.org

SCHOLARSHIPS AWARDED page 6

www.texasmba.org t www.texasmortgagel icensing.orgwww.texasmba.org t www.texasmortgagel icensing.org

JANUARY | FEBRUARY 2014 Vol. XXII No. 1 TMBA Mortgage Roundup

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TMBA Mortgage Roundup JANUARY | FEBRUARY 2014 Vol. XXII No. 1

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As a member of TMBA, you have an opportunity to actively participate by serving on a committee or recommending committee members from your company for the 2014-2015 leadership year.

COMMITTEE PARTICIPATION

Serving on a TMBA Committee is a way the mortgage professional can participate in a leadership role in the real estate finance industry as a whole. Such leadership provides an opportunity to target trends and issues relevant to the mortgage industry with other committee members. It also provides an opportunity for creative problem solving, as well as professional enrichment. Committees represent, involve and serve members. They provide a training ground for future leaders through group problem solving and as a forum through which to discuss/debate association interests. A committee is most effective when its mission is clearly defined; it has appropriate strong leadership and competent staffing. Committee members are asked to demonstrate support of the programs and services of TMBA, to take an advocacy position in promoting membership and by participating in Association programs/meetings, as well as government relations initiatives.

Each committee of the TMBA shall include members whose term of appointment will be for one year, beginning June 1, 2014, and may be re-appointed for a maximum of three consecutive years. Committee members are selected through recommendation by TMBA general membership and final appointments are made by the President with input from the respective committee chairperson. Efforts are made to provide a balance representative of the membership diversity.

HOW TO RESPOND

Review the Committee Guidelines posted on www.texasmba.org which contains committee participation and responsibility information, a description of each committee purpose and the Committee Appointments 2014-2015 form. Complete the form and return it to the TMBA office no later than April 2.

Upcoming TMBA Meetings & ConferencesSouthern Secondary Market ConferenceFebruary 25 & 26, 2014The Westin La Cantera Hill Country Resort San Antonio, Texas

Annual ConventionMay 4-6, 2014 Hyatt Regency Hill Country Resort and Spa San Antonio, Texas

CONTENTSCommittee VolunteersNew MembersMBA Compliance EssentialsFuture Leaders Scholarships Awarded

FEATURES02040506

DEPARTMENTS0709

TMBPACAnnual Convention

MISSION

leading Texas real estate finance industry since 1917.

TMBA’s missionis to be committed to being a quality-focused association of real estate finance professionals that provides the best educational resources, government advocacy, and industry interaction available for building a viable, competitive, and profitable mortgage lending and servicing industry in the state of Texas.

Upcoming Industry Meetings & Conferences

Austin MBAMonthly Luncheon March 6 | 11:30 am Austin Country Club

Dallas MBAMonthly Luncheon | Marty GreenMarch 6 | 11:30 am Prestonwood Country Club

Fort Worth MBAMonthly Luncheon | James ClappMarch 19 | 11:30 am Fort Worth Petroleum Club

Houston MBAMonthly LuncheonMarch 12 | 11:30 pmMaggiano’s Little Italy

FWMBA Annual Golf TournamentMonday, April 7th at 11:30 lunch and registration1:00 shotgun startRidglea Country Club-Fort Worth, TXwww.fortworthmba.org

TMBA StaffExecutive Vice PresidentLisa VercherMembership & Meeting CoordinatorShannon McKinleyCommunications SpecialistJamie Powers

be a part of the

TMBA initiative

2014-2015 Committee Members

http://www.texasmba.org/docs/committee_guidelines.pdf

http://www.texasmba.org/docs/committee_guidelines.pdf

http://www.texasmba.org/secondary/default.asp

http://www.texasmba.org/convention/default.asp




http://www.austinmba.org/

http://www.dallasmortgagebankers.com/

http://www.fortworthmba.org/

http://www.houston-mba.com/












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Get Ready to Comply

MBA Compliance Essentials provides a clear picture of what your company needs to do to comply with new and existing mortgage rules. Our in-depth resource guides include model policies and procedures, and are meant to support your company’s creation of a robust Compliance Management System (CMS).

Materials are developed in collaboration with expert legal counsel from leading firms serving the real estate finance industry and the Mortgage Bankers Association (MBA). You get the benefit of the most in-demand attorneys focused on real estate finance, at an affordable cost.

Top Features

• Sample policies and procedures

• Compliance checklists and charts

• Comprehensive background and analysis by top industry legal experts in conjunction with MBA in-house legal staff

• Updates included as rules evolve

Open this brochure to view a full list of our MBA Compliance Essentials offerings.

MBA Compliance Essentialssm

Affordable Guidance and Model Policies and Procedures

13292

Orders received through the TMBA office will receive a “national and state member rate” at the best discount, or a “state member only rate” well below the standard MBA non-member rate. ALL orders MUST be sent to the TMBA office to receive the special pricing - even those that are MBA members. For more information about MBA’s Compliance Essentials - view the brochure. To order, click on the link below or click here and return to the TMBA office via fax (512.480.8621) or email [email protected]

CLICK HERE FOR T HE

FULL BROCHURE AND ORDER FORM.

new TMBAMEMBERSEndeavor America Loan Services Darius MirshahzadehDavid Smith

First Federal Bank of FloridaMichelle Hanson Stephen Harris Chen Kilgore Cathy Tarver

Guild Mortgage CompanyArthur OchoaJed Rudd

InHouse Inc.Jennifer CreechDebra Green

Mortgage Compliance AdvisorsHank Davis

Pingora Asset ManagementDave BurgessMike CaseyMichael P. Lau, CMB

Plaza Home Mortgage, Inc.Jane Latchford Chad NorthingtonKaren Wheeler

Property SciencesTed FowlerJim Goodrich

Solidifi US IncJamie Foss

Sonora MortgageLance Lemoine

Spiegel Accountancy CorporationHenry Chavez Margaret CruzJeffrey Spiegel

USAA Federal Savings BankJames BadiaJeri BiesiadeckiS. Mark Garces

as of 2/20/2014

local MBA NEWSEL PASO MBAWe are excited to have started our new year with a bang! With 108 people in attendance, our first speaker of the year, Dean Inniss, discussed the new changes taking effect in the mortgage industry.

For February, we are planning our First Wine & Cheese Reception and inviting the top 50 Re-altors in the Community to be present. The purpose is to create more dialog with our Realtor Community. We are also wanting to promote our Homebuyers Seminar which will take place in March. Lots of exciting stuff happing in at the EPMBA!

Mirella “Millie” Garcia El Paso Mortgage Bankers Association President, 2013

http://www.texasmba.org/docs/mba_compliance_essentials.pdf



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Texas Mortgage Bankers Association

TMBPAC CONTRIBUTORS 2014

Vickie BourassaP. Garrett ClaytonJoe CollinsKerry DannenbergDavid E. Frase, CMB, AMPDan HastingsAdam IsbellMike JohnsonKay W. Malaise

Marcus T. McCueBarbara MoffettJ. David Motley, CMBLeonard MurrayMarcia Wilson, CMBTrey Worley

as of 2/20/2014

TRACY MAYNARD COLE

TMBPAC SUPPORTERS

SUSTAINING SUPPORTER$1000 or more per year

POWERPAC SUPPORTER$500 or more per year

KERRY DANNENBERG ALVIN C. MANN, JR.

The Future Leaders/James M. Wooten Scholarship, developed in 1993 by the Future Mortgage Leaders, is designed to focus on developing new leaders by advancing their education through the national MBA’s Future Leaders program. The scholarship recipients participate in a series of three seminars throughout the year focusing on leadership, business analysis and decision-making.

On that note, TMBA’s Future Leaders Chair, Adam Isbell, is pleased to announce the 2014 FML Scholarship recipients:

• Chad Gomoll, Regional Vice President of Genworth Mortgage Insurance• Jon Hodge, Senior Account Executive with Nationstar Mortgage• Michael Lee, Vice President, National Sales Support with Starkey Mortgage• Rachel West, Warehouse Analyst with Southwest Bank

The Future Leaders of the Texas Mortgage Bankers Association (TMBA) is comprised of individuals interested in getting involved to make a difference in the mortgage industry both locally and nationally. The Future Leaders committee members work to build new relationships with peers in the real estate finance profession. The committee encourages the growth of mortgage bankers as future leaders for the association and the mortgage lending industry. The Future Leaders does this by identifying and giving potential leaders in the industry an opportunity to get involved today.

TMBA AWARDS SCHOLARSHIPSFU TU R E LEA D ER S

2014Chad Gomoll, Jon Hodge, Michael Lee, and Rachel West.

2013Brent Berry, Rhiannon Bolen, Tracy Maynard Cole, Scott Crutcher, and Lisa Rogers.

2012Deric Barnett, Adam Isbell, Karen Oakerson, Paul Pritchett and Trey Worley.

2011Kayce Davis, Beverly Kerbow, and Ken Whisler.

2010Amy J. Coke, Jodie Morgan, CMB, and Mary Pirrello, AMP.

2009Dawn Robinson and Jeff Charbonneau.

2008Jonathan Grafflin, CMB and Jeff Schmidt.

2007Holly Linaburg, Paulina McGrath, and Mark Raskin.

2006Jason Gillespie, AMP, CMB, Michael McFarland, and Ian Wright, AMP, CMB.

2005Gil Lopez, III and Mark Dennis.

2004Kari Kate Singleterry.

2003David Frase, CMB.

2002-2003Renee Arnold, Jennifer Janus, Tomara Lacy, Thomas Kennedy, Lisa Robinson, Thomas Tallent, and Billie Jo Waddell.

PROTECT YOUR FUTURE, INVEST IN TMBPAC.

http://www.texasmba.org/tmbpac/tmbpac.asp


http://www.texasmba.org/future_leaders/default.asp

https://www.texasmba.org/tmbpac/contribution.asp



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Texas Mortgage Bankers Association

TMBPAC | MISSION AND GOALThe Texas real estate economy, and as a result, the state’s lending environment, have not only survived the industry tribulations of the past several years, but have continued to thrive in spite of the grim commentary on market conditions reported throughout the remainder of the country. Bolstered by “lending-friendly” legislation, Texas continues to be a place where companies and individuals actively seek out economic opportunity.

TMBPAC’s mission is to provide funds and direction for action to be taken on legislative initiatives. Our goal is to provide funds necessary to promote candidates who support a vibrant mortgage market, while encouraging total member involvement, through contribution from each mortgage banker in the State of Texas. TMBPAC is focused on promoting all efforts aimed at creating a favorable lending environment and protecting the future of the industry in the state.

Everyone has heard reference made to “the power of a collective voice”, an expression that rings particularly true in the political arena. With every individual show of support from one of our members, our voice becomes stronger and louder and more likely to be heard. Navigating the spectrum of political candidates and sorting through the continuous onslaught of new legislation that will directly impact the way that we, as an industry do business, can be overwhelming. The TMBPAC provides a way for association members to get involved in the political process in support of issues important to his/her own livelihood.

That being said we would like to thank all our TMBPAC contributors that have giving their support in previous years and in the current year. In addition, we would like to announce this year’s TMBPAC Race Winner:

Previous Race Winners

SWBC Mortgage Corporation

Cornerstone Mortgage Company

SWBC Mortgage

First Continental Mortgage Company

Envoy Mortgage

2013 RACE WINNER






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along with Steven B. Wiley andTexas Mortgage Bankers Association

G E N E R A L I N F O R M AT I O NMEETING | LODGINGHyatt Regency Hill Country Resort and Spa9800 Hyatt Resort Dr, San Antonio, TX 78251for reservations: 888.421.1442 | single/double $205

*Make your hotel reservations by APRIL 1 to receive TMBA’s group rate. To receive the TMBA group rate you MUST register for the Convention.

REGISTRATIONRegister by completing the registration form (enclosed) Mail to:

TMBA, Convention Registration823 Congress Ave Ste 220Austin, Texas 78701

or fax : 512.480.8621 or register online: www.texasmba.org/convention

Full registration includes admission to all receptions, breaks, sessions, and exhibit hall. Registration DOES NOT include admission to the Lincoln Leadership, Future Leaders Hold ‘em or golf. Extra tickets for receptions must be purchased by a convention attendee. note: phone registration is not available.

Refunds | SubstitutionsIf you cannot attend, you may send a substitute - requests should be made in writing before April 18. Requests made after April 18 will be assessed a $50 processing fee.

A full refund is available with written notice of cancellation if received on or before April 4. Any cancellation notices received after April 4 and before April 18 will be assessed with a $250 cancellation fee. No refund will be made for cancellations after April 18. Advanced convention guarantees necessitate this policy.

ATTIREBusiness casual throughout the convention.

BADGESTMBA registration badge is included with registration fee and REQUIRED for admission to all convention events. If you are an affiliate or subsidiary company of a TMBA member company, please register under the name of the company to receive member rate. The member company name will appear on your badge and on the registration list.

SPECIAL ACCOMODATIONSPlease contact the TMBA office if you have any special needs addressed by the American Disabilities Act.

LINCOLN LEADERSHIP AT THE ALAMOSTEVEN B. WILEY SUN, MAY 4

This is a leadership program as well as an in depth history lesson about The Battle of the Alamo. Steve Wiley will take you through a journey about this epic battle. He will correlate the leadership philosophies of those historic men to the leadership philosophies of present and future leaders. This program is designed for current leaders or emerging leaders within an organization.

What can you expect? A participant will learn practical applications for leading a team and ways that they can motivate and inspire their teammates. If you enjoy history AND learning how to become a better leader for your team – this is the program!

MUST BE REGISTERED FOR BOTH THE CONVENTION AND THE LINCOLN LEADERSHIP TO PARTICIPATE. DEADLINE to register is APRIL 1.

S C H E D U L ESUN May 48:30 am - 4:30 pm Lincoln Leadership Alamo

2:00 – 4:30 pm Registration

5:00 – 6:30 pm Local Hospitality Reception

6:30 – 9:00 pm Future Leaders Texas Hold’em

MON May 57:30am – 6:00 pm Registration

7:00 – 12:00 pm Decorator Setup

8:30 – 9:30 am Welcome & General Session

Mergers & Acquisitions

9:30 – 10:30 am President/CEO Legislative & Regulatory Roundtable

10:30 – 11:15 am Elliot Eisenberg, Economist

11:30 am Golf Tournament

11:30 – 3:30 pm Operations/Compliance Roundtable

12:00 – 5:00 pm Exhibitor Move-In

Client meetings (on your own)

4:00 – 5:00 pm Tequila Tasting

5:30 – 6:30 pm Future Leaders & New Member Social

6:30 – 7:30 pm Reception with Exhibitors

TUE May 67:30 am Registration

7:30 – 8:30 am Breakfast w/ Exhibitors

8:30 – 9:30 am Welcome & Dave Stevens

9:30 – 10:30 am Eric Wahl – Unthink

10:30 – 11:00 am Refreshment Break w/ Exhibitors

11:00 – 12:00 pm Advocacy/Lobbying Panel

12:00 – 1:30 pm Lunch & Business Meeting

1:45 – 3:00 pm Session - TBD

3:00 – 3:30 pm Refreshment Break with Exhibitors

3:30 – 4:45 pm Session - TBD

5:00 – 6:00 pm Reception with Exhibitors

Exhibitor Teardown (after reception)

6:30 – 10:00 pm President’s Reception

Tenattive schedule - subject to change

e v e n t sSUNDAYLINCOLN LEADERSHIP AT THE ALAMOFor those looking for the same emotionally and intellectually powerful leadership development as the Gettysburg programs, but in a new location and with new stunning and thought-provoking leadership metaphors, we offer A Transformational Journey from the Alamo! MUST REGISTER FOR BOTH CONVENTION AND LINCOLN LEADERSHIP by APRIL 1.

LOCAL HOSPITALITY RECEPTIONJoin TMBA and local MBA in welcoming attendees to TMBA’s Annual Convention. Sunday, 5:00 - 6:30 pm

FUTURE LEADERS HOLD’EMCome help TMBA raise funds for the Future Leaders/James L. Wooten Scholarship fund during the Future Leaders Hold ‘em event. Cocktail food and beverages will be served. All proceeds from this event benefit the TMBA Future Leaders program. SEPARATE TICKET PURCHASE REQUIRED - $25 per person.

MONDAYGOLF TOURNAMENTLast year’s tournament was sold out so you need to register early – ONLY 166 tournament spots available for approximately 700 Convention attendees! Hill Country Golf Club. Monday. Registration 10:45 am, Tee-0ff 11:30 pm

TEQUILA TASTING - Cinco de Mayo Style!Join us for the TMBA “Non-Golfer” event where you will be able to sample a fine selection of tequilas while networking. A tequila-tasting expert will be on hand to discuss the nuances of each type of tequila. BADGE REQUIRED.

FUTURE LEADERS, NEW MEMBER RECEPTIONThis event is targeted to Convention attendees who are new members, as well as those interested in either serving on a TMBA Committee or learning more about the Future Leaders program. BADGE REQUIRED.

TUESDAYPRESIDENT’S RECEPTIONTo unwind after a very productive event, we invite you to join us for some live local music, drinks, and hors d’œuvres as we pay honor to outgoing TMBA President Susan Stewart. BADGE REQUIRED.




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S P E A K E R SElliot Eisenberg, Ph.D.Elliot Eisenberg, Ph.D. is a nationally acclaimed economist and public speaker specializing in making the arcana and minutia of economics fun, relevant and educational. He holds a B.A. in economics with first class honors from McGill University, as well as a Masters and Ph.D. in public administration from Syracuse University. He is the creator of the multifamily stock index (the first nationally recognized index to track the total return of public firms principally involved in the ownership and management of apartments), the author of more than seventy articles and serves on the Editorial Board of the Encyclopedia of Housing. Dr. Eisenberg has been invited to testify before lawmakers and is often asked to comment on proposed legislation. His research and opinions have been featured in Bloomberg, Business Week, Forbes, Fortune, and many other publications. He is regularly featured guest on several talk radio shows, is often seen on television and authors a daily 70-word commentary on the economy that is available at www.econ70.com.

Steve ScanlonCEO, Rewire Inc.

Steve Scanlon is the CEO of Rewire Inc. and a published author. He has logged over 13,000 hours in executive coaching while directing an invitation-only coaching program for select individuals. He has a background in finance, which he used as vice president of a national mortgage company. He also owned and ran a successful import/export company. But his passion today with Rewire, Inc. centers around helping individuals and organizations successfully navigate change by helping them change how they think.

David H. StevensPresident and Chief Executive Officer − Mortgage Bankers Association

Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD). Dave has more than 30 years of experience in mortgage finance and has held several executive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings. He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues. He has been named to Bloomberg’s “50 Most Powerful People in Real Estate” list, and twice recognized as one of the “Top 100 Most Influential Real Estate Leaders” by Inman News and named one of Swanepoel REAL ESTATE TRENDS Report’s top ten “Newsmakers” of the year.

Erik WahlErik Wahl is an internationally recognized graffiti artist, #1 best-selling author and entrepreneur. Pulling from his history as both a businessman and an artist, he has grown to become one of the most sought-after corporate speakers available today. Erik’s on-stage painting seamlessly becomes a visual metaphor to the core of his message, encouraging organizations toward profitability through innovations and superior levels of performance. His list of clients includes AT&T, Disney, London School of Business, Microsoft, FedEx, Exxon Mobil, Ernst & Young, and XPrize; Erik has even been featured as a TED presenter.

Erik’s bestselling business book UNTHINK was hailed by Forbes Magazine as THE blueprint to actionable creativity and by Fast Company Magazine as Provocative with a Purpose.

Attendee Information

Payment

Optional Events

Registration Fees

Additional Tickets

TMBA|98th Annual ConventionRegistration Form

first name last name middle initial

company title

mailing address

city state zip email

phone # fax #

o Check enclosed (payable to TMBA) o AMEX o MC o Visa Total amount paid:

Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f

CC number expiration date

card holder first name last name *authorized signature

May 4-6 | Hyatt Regency Hill Country Resort and Spa| San Antonio, Texas

Mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701 or fax form to 512.480.8621 or visit www.texasmba.org/convention to register online and for more information.

qty ordering total amount

o Monday Reception* $50 each

o Tuesday Reception* $50 each

o President’s Reception* $75 each

Registration includes admission to all three receptions including guest if you purchase “with Guest” option. *extra tickets are available for receptions, however these tickets must be purchased by a convention attendee.

before April 1 after April 1 total amount

o Golf $175 $200 handicap

o Future Leaders Hold-em $25 $25 quantity

o The Lincoln Leadership $525 NOT AVAILABLE

o Operations Roundtable - check if interested in more information

before April 1 after April 1 total amount

o Member $425 $525

o Non-member $625 $725

o Member with Guest $585 $685

o Non-member with Guest $785 $885

Guest name: *a guest is defined as significant other, spouse or an immediate family member not employed by your company or any other company in the mortgage industry.

page 6 president’s message - mortgage bankers … · the westin la cantera hill country resort ....

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