page 7 president’s message - mortgage bankers associationtraveled to washington dc early april to...

Greetings TMBA Members,

I am happy to announce that the Texas mortgage industry appears to be thawing out and April has finally arrived with business brisk, both for the TMBA and our member companies. For those of you unable to attend our Southern Secondary Market Conference in February, you missed a great event with record attendance and fabulous programming. Not to be outdone, the Convention committee has been hard at work preparing for our annual Convention beginning next Sunday, May 4.

This year’s Convention will be held in San Antonio at the newly renovated Hyatt Hill Country. Every single exhibit space has sold out and the number of pre-registered attendees has increased to more than 680. Do not miss this opportunity to network; listen in on the riveting speakers and panels; tee-off in glorious golf weather; and enjoy evening entertainment while you quench your thirst in our Texas-sized refreshments.

As you may know, the TMBPAC committee is unlike most other TMBA committees as it runs calendar-year to calendar-year; therefore, Ruth Ruhl assumed the responsibilities of the TMBPAC chairperson in January 2014. Ruth set a possible record-breaking goal for the TMBPAC to raised $150,000 for 2014 and after just two complete months−Ruth and her committee have already raised more than $45,000.

Because the potential for additional regulations and government oversight is a very real threat, we as the leaders and members of the Texas real estate finance industry must unite and contribute our share to protect the future of our industry. That is why this year the theme for the TMBPAC fundraising is “Protect your future, invest in TMBPAC.” If we do not raise PAC funds and campaign rigorously, the business friendly environment we enjoy today could become a thing of the past. We absolutely must have a voice and participate in the shaping of the future of our industry. For those who have already contributed for 2014 (page 7), please accept my personal thank you and thank you from those individuals in our industry who you represent.

Lastly, please renew your membership if you not have done so, we need your participation and support plus you receive the added benefit of being listed in this year’s membership directory.

Hope to see you next week in San Antonio and thank you for your support of the TMBA.

Sincerely,

Susan T. Stewart2013-2014 PresidentTexas Mortgage Bankers Association

MARCH | APRIL 2014 Vol. XXII No. 2

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 DirectorsVinnie Magnarini, Austin MBAAmy Coke, Dallas MBAMirella “Millie” Garcia, El Paso MBARegina Eldridge, TMB San Antonio

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

TMBPAC STARS page 7

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

MARCH | APRIL 2014 Vol. XXII No. 2 TMBA Mortgage Roundup

2

TMBA Mortgage Roundup MARCH | APRIL 2014 Vol. XXII No. 2

3

Upcoming TMBA Meetings & ConferencesAnnual ConventionMay 4-6, 2014 Hyatt Regency Hill Country Resort and Spa San Antonio, Texas

64th Annual Educational Seminar & MarketplaceNovember 19 & 20, 2014 The Westin Houston Memorial CityHouston, Texas

Mortgage Servicing ForumDecember 1 & 2, 2014 The Westin Galleria | Dallas, Texas

CONTENTSMBA Compliance EssentialsNew MembersTexas members in DC

FEATURES040505

DEPARTMENTS0709

TMBPAC contributorsAnnual 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

Dallas MBAMonthly Luncheon | Danielle DiMartino BoothMay 1 | 11:30 am Prestonwood Country Club

El Paso MBAAnnual Golf TournamentMay 10 | 11:00 amPainted Dunes Desert Golf Course

TMB San AntonioMonthly Luncheon | Jeffrey JensonMay 13 | 11:30 amSonterra Country Club

Fort Worth MBAEnd of the Year Monthly LuncheonMay 14 | 11:30 am Joe T. Garcia Mexican Restaurant

Houston MBAHappy HourMay 21 | 5:30 pmPost Oak Grill

TMBA StaffExecutive Vice PresidentLisa VercherMembership & Meeting CoordinatorShannon McKinleyCommunications SpecialistJamie Powers

save the dates TMBA FALL EVENTS

64th Annual Educational Seminar and MarketplaceNovember 19 & 20, 2014 The Westin Houston Memorial CityHouston , Texas

Mortgage Servicing ForumDecember 1 & 2, 2014 The Westin GalleriaDallas, Texas

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




http://www.dallasmortgagebankers.com/

http://epmba.net/

http://epmba.net/

http://epmba.net/

http://epmba.net/

http://epmba.net/

http://www.tmbsa.org/index.php




http://www.fortworthmba.org/

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





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5

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 TMBAMEMBERSAdvantage Credit, Inc.Robyn DiPasqualeJeff Woltemath

AimBankJohn Carter

American State BankCissy Larkin

Badger Law OfficeBruce M. BadgerTravis BadgerRobbie Osborne

Capital Plus I, LTDEric Donnelly

Freedom Mortgage CorporationRob PorgesAudrey ShapiroCindy Smaney

GEO Mortgage Services, Inc.Edward Glassford

J. Friedman MortgageJanet Friedman

MI Financial, LLCCecil Pounds

NattyMac, LLCSteve LandesJohn VandolahIan Wright, AMP, CMB

ReverseAmerica IncorporatedH. Marc Helm

Stearns LendingAaron Samples

as of 3/28/2014

local MBA NEWSTexas mortgage bankersrepresent in D.C.Thirty-seven Texans including TMBA officers, board members, members, and staff traveled to Washington DC early April to participate in the national MBA’s annual National Advocacy Conference (NAC). Texas members joined more than 400 industry activists and leaders from other state MBAs in meetings with their congressional delegations and federal regulators.

Our Texas members led conversations with our federal legislators regarding the need for secondary mortgage market reform; more oversight of ongoing implementation of new mortgage rules; SAFE Act testing requirements; and maintaining long-term stability of FHA.

TMBA will be announcing the dates for its Advocacy Day in Austin sometime in March 2015. With the Texas Legislature going back into session in January, it is time to turn our attention to our state-level issues. Members are strongly encouraged to attend this meeting to give you a greater understanding of the issues our industry will be facing in the upcoming legislative session; and to bring increased awareness of the growing issues in the real estate finance industry to the members of the Texas Legislature.

If you are interested in joining us for TMBA’s Advocacy Day, please contact [email protected].

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



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7

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.

Texas Mortgage Bankers Association

TMBPAC CONTRIBUTORS 2014

PROTECT YOUR FUTURE, INVEST IN TMBPAC.

100+ Tish AshleyBill BairdPeggy BakerRosemary E. BarbourJoe N. BarnhartStephen BertrandJuliana BrockP. ClaytonAmy J. CokeJoe CollinsMarla CooperStephen CrispinRon CroweErin DeeDenise DonoghueFrederick M Fulcher Jr.Robert W. Gerrard, Jr.Chad GomollDavid W. GreenCara HawkinsScott HoltzAdam IsbellAnisa JohnsonMike JohnsonMike KleinRenessa KnowlesAmanda LewisVictoria MacNaughtonMatthew S. MartinMichael D. McAuleyMarcus T. McCueLeonard MurrayJulie NicholsPaul ParkinsonKevin PolivkaVon L. RinggerMark D. RobergeMike SchmuelgenPeter SpierTamara TapmanKathie ThomasJoe WhitakerKristin M. Willoughby

250+Ben AnsolabehereDavid BakerMichael A. CarrollLouis DerrickScott DrescherJennifer EggenFrank FioreDavid E. Frase, CMB, AMPJason Gillespie, AMP, CMBMarty GreenTamara HambrightScott HenleyDean InnissCharles E. KleinMike ManleyJodie Morgan, AMP, CMBChad OverhauserCherie PheifferTroy G. RampyJohn SayreAustin TilghmanThomas F. Vetters, IIDaniel VoigtFelicia WellsTrey Worley

5000+Brian Collins

2500+S. Van StewartSusan T. StewartIan Wright, AMP, CMB

1000+Judith A. Belanger, CMBThomas E. Black, Jr., AMPKerry DannenbergTim FisherJohn FlemingJonathan M. GrafflinMichael L. KennemerCalvin C. Mann, Jr.Tom MillerJ. David Motley, CMBTom RhodesRuth RuhlTodd Salmans

INVESTORSVickie BourassaYvette DobbinsBrent DuhaimeCharles J. EzellJoe FarrJim GoodrichDan HastingsKurt HopfeKen JohnsonRuth LopezKay W. MalaiseDouglas MayersBarbara MoffettDawn PieperPaul PritchettSharron PustejovskyAmy SatskyMichael ScottSofia Tenorio-TorresSara WalkowiakAngela WatsonRachel WestMerritt Witherspoon

as of 4/18/2014

500+Rhiannon BolenTracy Maynard ColeTroy W. GarrisJ. Kevin GugenheimKittie GugenheimMichael LimaCari McCueDayna D. McElreathPaulina S. McGrathVicki MurphyJames Sean O’Neill, CLBBMary Pirrello, AMPDarryl PlaisanceMark A. RaskinDrey RobertsR Suzanne SmithTom Tallent, CMB,AMPCraig M. Vecchiola

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




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



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9

PROTECT YOUR FUTURE, INVEST IN TMBPAC.

Responding to the market environment, most state and the federal legislatures are reacting with legislation that will significantly effect how we do business. As always TMBA is working to protect your interests, but we need your help. A strong TMBPAC raises our profile at the Capitol and is vital to meeting these upcoming challenges once the Texas Legislature reconvenes. This is a fight we can’t afford to lose. We must be able to stop or alter legislation and our PAC allows us to do that. We need to seriously strengthen our PAC, so please take a moment to make your personal contribution to the TMBPAC and encourage your peers, employees, company PACs and industry partners to do so as well.

I want to protect my future with my contribution of:

□ $25 □ $100 □ $250 □ $500 □ $1000 □ $2500 □ $5000 □ Other: $

Payment Information

Per

son

al

Bil

lin

g

Info

rmat

ion contribution amount: $

first name last name email address

billing address city state zip

Pay

men

t

Personal check (payable to TMBPAC) Visa MasterCard AMEX

CC # expiration date

card holder name signature

Mail check to: TMBPAC, 823 Congress Ave, Ste 220, Austin, TX 78701 or fax personal credit card payment to 512.480.8621. Online contributions can be made at www.texasmba.org/tmbpac/contribution.asp

Contributions are encouraged but voluntary and can only be accepted from individuals, sole proprietorships, partnerships and other political action committees. No corporate checks or corporate funds of any kind are permitted. Contributions made to the TMBPAC are neither deductible as a business expense nor as a charitable contribution. Corporations cannot fund TMBPAC, so IT’S UP TO YOU! Help protect the mortgage industry in Texas by making a contribution to TMBPAC TODAY!

See reverse for answers to commonly asked PAC questions.




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S C H E D U L E at a g l a n c eSunday | May 42:00–4:30 pm ........................Hill Country foyerRegistration

5:00–6:30 pm ...........................Courtyard DeckLocal Hospitality Reception

6:30–9:00 pm ............................. Hill Country DFuture Leaders Texas Hold ‘em

Monday | May 57:30 am–6:00 pm Independence ballroom foyerRegistration

8:30–9:30 am ......... Independence ballroom 1-2Welcome and General SessionMergers & Acquisitions

9:30–10:30 am ....... Independence ballroom 1-2

CEO/President’s Roundtable

10:30–11:15 am ..... Independence ballroom 1-2

Will the Real Economy Please Stand Up

11:30 am .........................Hill Country Golf ClubGolf TournamentRegistration 10:45 am, Tee-0ff 11:30 pm

12:00–5:00 pm ....... Independence ballroom 4-8Exhibitor Move-In

4:00 – 5:00 .....................................Event LawnTequila Tasting

5:30 – 6:30 pm ...............................Event LawnFuture Leaders & New Member Social

6:30 – 7:30 pm ....... Independence ballroom 4-8Reception with Exhibitors

Tuesday | May 67:30 am ...................... Independence ballroom foyerRegistration

7:30–8:30 am ................Independence ballroom 4-8Breakfast with Exhibitors

8:30–9:30 am ................Independence ballroom 1-3Welcome and Keynoteindustry Remarks by MBA President

9:30–10:30 am ..............Independence ballroom 1-2

Unthink

10:30–11:00 am ............Independence ballroom 4-8Break with Exhibitors

11:00 am–12:00 pm ......Independence ballroom 1-3

Advocacy/Lobbying Panel

12:00 pm–1:30 pm ........................ Hill Country D-GLunch & Business Meeting

1:45–3:00 pm ................Independence ballroom 1-2

Thriving Through the Changes

3:00–3:30 pm ................Independence ballroom 4-8Break with Exhibitors

3:30–4:45 pm ................Independence ballroom 1-2

Hot Products for Today’s Market

5:00–6:00 pm ................Independence ballroom 4-8Reception with Exhibitors

6:30–10:00 pm ................................ Windmill PlazaPresident’s Reception

Wednesday | May 79:00 am ............................... Fredericksburg DGBoard Meeting

RIO GRANDECendera Funding, Inc.Comerica BankRUTH RUHL, PC - Attorney At LawMcGlinchey Stafford and Youngblood & Associates, LLPPolunsky Beitel Green, LLPStarkey Mortgage

ALAMOB2R Finance Benchmark MortgageEnvoy MortgageMortgage Industry Advisory CorporationNationstar Mortgage LLCNexBank SSBPrimeLendingRadian Guaranty, Inc.SecurityNational Mortgage CompanyStearns LendingStewart Lender ServicesStonegate Mortgage Corporation/ NattyMac

GENERALBlack, Mann & Graham, LLPBrown, Fowler & AlsupCapstar LendingCenlar FSBCMG FinancialCommunity Trust BankMERSCORP Holdings, Inc.Mortgage Banking SolutionsRepublic State Mortgage

as of 4/18/2014

LONE STAR LUCKENBACHAltisource Origination ServicesArch Mortgage InsuranceBB&TBeadles, Newman & Lawler, PCChaseCitibankColonial National MortgageCornerstone Home Lending, Inc.Fidelity National Title GroupFirst Continental Mortgage CompanyFirst National Bank of TrentonGenworth Mortgage InsuranceGregg & Valby PCHometrust Mortgage Co.Impac Mortgage Corp. - Correspondent LendingMortgage Guaranty Insurance CorporationPacific Union Financial LLCRobertson Anschutz VettersRocky Mountain Mortgage CompanySantander Bank, N.A.Sente MortgageServiceLinkSouthwest BankSouthwest SecuritiesTexas Capital BankUnited Guaranty Residential Insurance CompanyWells Fargo Home Mortgage

s p o n s o r s



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13

E X H I B I T O R S12 Accurate Group of Texas, LLC

17 ADFITECH

41 Advantage Credit, Inc.

8 Altisource Origination Services

3 AnnieMac Home Mortgage

47 BB&T

35 Beadles, Newman & Lawler, PC

30 Best Rate Referrals, LLC

22 Byte Software

36 Cadence Bank, NA

25 Capsilon

38A Certified Credit Reporting Inc

26 ComplianceEase

27 Corporation Service Company (CSC)

14A CRE Credit Services

28 Credit Plus

49 CrossCheck Compliance LLC

9 Dovenmuehle Mortgage, Inc.

32 Ellie Mae, Inc

44 Essent Guaranty, Inc.

43 FACTiNTEL

34 Fannie Mae

15 First Guaranty Mortgage Corporation

21 First Southwest Company

45 First Tennessee Bank

40 Global DMS

20 IBC First Equity

10 IDS, Inc.

24 InHouse Inc.

50 Interthinx

7 Kroll Factual Data

31 LendingQB

5 Lone Star Bank S.S.B.

51 Mortgage Bankers Association

55 Mortgage Builder

4 Motivity Solutions, Inc.

39 MyAMC, LLC

11 Optimal Blue

52 PHH Mortgage

2 Plaza Home Mortgage, Inc.

6 Premier Nationwide Lending

19 QuestSoft Corporation

53 Reverse Mortgage Solutions, Inc.

18A ReverseVision, Inc

54 Richey May & Co., LLP

37/38 Rushmore Loan Management Services LLC

13 Spiegel Accountancy Corporation

14 Sterne Agee Mortgage

33 Stewart Lender Services

16 Supreme Lending

23 Texas Veterans Land Board

48 The StoneHill Group, Inc.

1A TrainingPro

18 TX Dept of Housing & Community Affairs

1 TX Dept of Savings & Mortgage Lending

46 Venture Solutions, Inc.

33A Walz Group

29 Weaver

42 Weststar Mortgage Corporation

g o l f s p o n s o r sTOURNAMENTStewart Lender Services

CARTNexBank SSBWFG Lender Services

CART CO-SPONSORCove FinancialStar Warehousing Group

PRIZE/RAFFLECove Financial

HOLE-IN-ONEAccurate Group of Texas, LLC

HOLE BankRate, Inc.

eMortgage Logic, LLC

EverBank

First United Bank & Trust Company

Future Leaders

Genworth Mortgage Insurance

Interthinx

Janus AMC, LLC

Middleberg Riddle Group

Rising Point Solutions L.L.C.

RUTH RUHL, PC - Attorney At Law

Sovereign Mortgage Services, Inc.

Valuation Partners

Weststar Mortgage Corporation

as of 4/29/2014



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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.

Accurate Group exists to enable and support the success of clients, employees, investors,

partners and consumers

© Accurate Group and/or its affiliates. All rights reserved.

To Learn More about the Accurate Group Visit Booth #12

www.accurategroup.com

888.456.4383

Learn about our new app!

www.AdvCredit.com

AdvisoryServiceS

QuAlity Control ServiceS

CorrEsPondEnt PlAtForM ServiceS

© 2014 Altisource. All rights reserved.

Contact:Altisource Origination [email protected]



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QUALIFIED HOMEBUYERS ARE ON

THE RISE. WE CANHELP YOU

FIND THEM

BESTRATEREFERRALS.COM

1-800-811-1402

Byte Software is a leading provider of mortgage loan origination solutions.

The BytePro advantage:

Workflow management features to make your organization hum

Comprehensive compliance tools to help you avoid costly mistakes

Customer-centric service to provide you with maximum support Come by the booth to see how BytePro’s unique functionality can benefit your company.

www.bytesoftware.com 800.695.1008

Wo

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om

plia

nce,

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Solution

M O R T G A G E

All loans subject to credit approval. Loan terms and availability subject to change. Cadence Mortgage is a Division of Cadence Bank, N.A.

Cadence Mortgage, a division of Cadence Bank, offers a full range of first lien mortgage products. In addition, we originate purchase money, home improvement, and home equity second lien loans through lender referrals.

At Cadence, we are committed to delivering you competitive rates and the highest quality service in the industry. Contact us today to learn more about our loan offerings.

Debbie LambertNMLS#728962

Mortgage Lending ManagerFirst Lien Mortgages713-552-2053

Gretchen RossingtonNMLS#555982

Second Lien Account ManagerAustin / San Antonio Region512-484-1860

Karen DrewekNMLS#1006967

Second Lien Account ManagerDallas / Ft. Worth Region972-786-6500

Mark BuntingNMLS#951243

Second Lien Account ManagerHouston Region832-266-8290

Worth Knowing.

Paper and electronic document recording services

www.erecording.com(866) 652-0111

[email protected]

In over your head with ATR/QM?

Breathe easy with Encompass.

It’s not too late to get help.

Sign up for a demo of Encompass to get a free ATR/QM survival guide.

events.elliemae.com/survival_demo

EVERYTHING THAT’S RIGHT ABOUT MI IS RIGHT HERE.With Essent, your mortgage insurance solution is only a click away. Here are just a few of the reasons why private MI from Essent is a smart choice.

© 2014 Essent Guaranty, Inc. Two Radnor Corporate Center, 100 Matsonford Road, Radnor, PA 19087 | www.essent.us

Find out why Essent is the right choice for you and your customers.

Karla Martinet, Regional Account Manager972.658.1588 | [email protected]

Fast, flexible decisions on DU® Approve/Eligible and LP® Accept/Eligible loans.

A cutting-edge mobile app for Apple or Android – get the MI tools you need in the palm of your hand!

Training that’s focused only on what’s “essential” to your success.

Your one-stop shop for rate quotes and eligibility.

C A P I T A L M A R K E T S | C O R R E S P O N D E N T | W A R E H O U S E L E N D I N G

THE CHANGE AGENT OF THE MORTGAGE INDUSTRY.

First Guaranty Mortgage Corporation®

800.296.2275fgmcwarehouse.com 888.637.0102

fgmccorrespondent.com

EQUAL HOUSINGOPPORTUNITY

First Guaranty Mortgage Corporation, is a Virginia corporation. Information is accurate as of 2/24/2014 and is subject to change without notice. First Guaranty Mortgage Corporation offers a variety of loan programs. Contact a First Guaranty Mortgage Corporation representative to learn more. This should not be construed as a commitment to lend. First Guaranty Mortgage Corporation is licensed as follows: Texas: Licensed by the Texas Department of Savings and Mortgage Lending, Licensee No. 43786.

First Guaranty Mortgage Corporation is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the federal government. First Guaranty Mortgage Corporation Headquarters is located at 1900 Gallows Road, Suite 800, Tysons Corner, VA 22182 (800) 296-2275. Company NMLS ID 2917.

MORTGAGE BANKERS ASSOCIATION



18


19

Get Started Today!

Why an OPEN platform is better: 1. MANAGE the appraisal process the way you

want; Self-manage, outsource or both. 2. ACCESS all your AMC’s, appraisers and

appraisal companies nationwide. 3. NO START-UP COSTS, no long-term

contracts, no monthly minimums, no cost to integrate, no setup costs, no upgrade fees and no training costs.

Why lenders WANT Connexions: 1. SAVE MONEY by increasing work-flow

efficiencies. 2. ENSURE COMPLIANCE by centrally

monitoring all appraisal activities. 3. CONTROL VENDORS by choosing your

relationships. 4. DATA DRIVEN DECISIONS with real-time

custom reporting.

InHouse Sales 888-907-4507

www.InHouseUSA.com [email protected]

EXPECTINTERTHINX®.™

Interthinx® is your solution for trustworthy, high quality automated regulatory com-pliance. Rely on the Interthinx Compliance

team to upgrade your loan-by-loan compliance checks – with minimal work on your end –

and help ensure complete compliance with Dodd-Frank and the new CFPB rulemaking.

Implement an automated comprehensive

compliance process today. Call Interthinx.

800.333.4510 interthinx.com [email protected]

©2014 Interthinx, Inc. All Rights Reserved. A Smarter Approach to Risk is a trademark of First American Financail Corporation. Interthinx is a registered trademarks or trademark of First American Financial Corporation and/or its affiliates.Interthinx, Inc. makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions.

a SMARTER approach to risk™

Complete Compliance.

ARE YOU IN NEED OF A WAREHOUSE LINE?

Our program enables mortgage bankers to fund and inventory loans until the loan is purchased by an end investor. We have competitive rates, excellent service and have been in this business for over twenty years. We warehouse residential conforming loans for qualified mortgage bankers and offer purchase agreements that start at $1 to $100 million with the availability to increase on an as needed basis. We offer a quick approval response time.

Program Highlights: 1. No Personal Guarantees by owners 2. No non-usage fees 3. Same day fundings 4. We fund loans in all 50 states 5. Minimal net worth required

Any loan that does not fall into your Investor collateral guidelines, we can help. If you have any questions, please check us out on the web at www.starwarehousing.net or come by our booth (#5) at the convention.

C A P I T A L M A R K E T S | C O R R E S P O N D E N T | W A R E H O U S E L E N D I N G

THE CHANGE AGENT OF THE MORTGAGE INDUSTRY.

First Guaranty Mortgage Corporation®

800.296.2275fgmcwarehouse.com 888.637.0102

fgmccorrespondent.com

EQUAL HOUSINGOPPORTUNITY

First Guaranty Mortgage Corporation, is a Virginia corporation. Information is accurate as of 2/24/2014 and is subject to change without notice. First Guaranty Mortgage Corporation offers a variety of loan programs. Contact a First Guaranty Mortgage Corporation representative to learn more. This should not be construed as a commitment to lend. First Guaranty Mortgage Corporation is licensed as follows: Texas: Licensed by the Texas Department of Savings and Mortgage Lending, Licensee No. 43786.

First Guaranty Mortgage Corporation is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the federal government. First Guaranty Mortgage Corporation Headquarters is located at 1900 Gallows Road, Suite 800, Tysons Corner, VA 22182 (800) 296-2275. Company NMLS ID 2917.

MORTGAGE BANKERS ASSOCIATION

www.plazahomemortgage.com

Correspondent Lending Solutions to Meet Your NeedsPlaza offers a number of purchase and refinance conventional and government loan programs. Plaza can help you provide the right loan for your customer’s unique needs.

Conventional Fixed Rate Conventional ARM Conventional Interest Only Fixed Rate USDA Rural Housing FHA Fixed and ARM FHA, 203(k) Streamline VA Fixed and ARM Reverse Mortgage HARP Programs (DU Refi Plus, LP Relief Refi)

Visit us at booth #2

Plaza Home Mortgage, Inc. is an Equal Housing Opportunity Lender. This is not a commitment to lend. Information is intended for mortgage professionals only and not intended for public use or distribution. © 2014 Plaza Home Mortgage, Inc. All rights reserved. Company NMLS #2113.



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Not Intended for Distribution to Consumers.. Programs, rates, terms and conditions subject to change without notice. All financing subject to credit and income approval. This is not a

commitment to lend. Rates can change daily. Other restrictions may apply. Premier Nationwide Lending is an equal housing lender. Sponsored by NTFN Inc. 2901 Dallas Parkway-Ste. 120 - Plano, TX 75093 NTFN NMLS 75333

Partner With an Award Winning Industry Leader

PREMIER Service,PREMIER Results,

A PREMIER Company

At Premier Nationwide Lending, Our Producers Work On Their Business, Not In It. We Are Committed To Growth…And We Invite You To Be A Partner.

Visit www.WhyJoinPremier.com to learn why partnering with Premier in 2014 will mean more success and less stress.

LOANSBYPREMIER.COMFacebook “f ” Logo CMYK / .eps Facebook “f ” Logo CMYK / .epsPROOF

ONLY

Regulatory Compliance SolutionsExpert review, management and implementation of new regulations that a�ect your notices to borrowers in default or foreclosure. Critical Document ManagementSeven of the top 10 mortgage servicers rely on WALZ to assist them with critical borrower communications. Certi�ed Mail® AutomationUSPS® Certi�ed Mail® solutions and other “proof of mailing” requirements at the individual desktop level.

Visit our team at Booth #33A and learn how WALZ canhelp you with your critical borrower communications.

Contact WALZ Group for more information!27398 Via Industria | Temecula, CA 92084 | 888-405-8898

[email protected] | www.walzgroup.com

CampusMBA’s FUTURE LEADERS Program is an executive leadership development program that delivers a comprehensive curriculum for selected middle- and senior-level managers who have shown leadership interests and abilities. Participants enhance their skills through three hands-on sessions geared toward political activism; business analysis and problem solving; and experiential learning through collaboration, networking and peer group interaction. Future Leaders has evolved into a highly recognized program that enhances executive skills and provides an opportunity for participants to develop relationships that last an entire career as it provides networking and development opportunities that are priceless.

For more updated information, visit www.campusmba.org/futureleaders.

HOW TO APPLYScholarship applications are accepted each year by DECEMBER 1. If you are interested in applying contact the TMBA office.

The TMBA Future Leaders Program is dedicated to identifying and cultivating the next generation of industry leaders by awarding scholarships to the MBA Future Leaders program.

The scholarship was developed in 1993 and has since become the primary focus for the Future Leaders committee. Now called the Future Leaders/James M. Wooten Scholarship, the program was designed focus on developing leaders who will guide our organization and our industry in the years to come.

Scholarship winners participate in a CampusMBA series which features three hands-on, executive-level sessions geared toward political activism; business analysis and problem solving; and experiential learning through collaboration, networking and peer group interaction.

I’m a WOOTENFU TU R E LEA D ER S

Future Leaders CORPORATESPONSORS

Accountants + Consultants

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

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