RHODE ISLANDM O R T G A G E B A N K E R S A S S O C I A T I O N

S A I L I N G T H E S E A S O F C H A N G E

se p t e m be r 1 4 - 1 6 , 2 0 1 6 N e w p o r t , R I

Join Us in Thanking Our Troops and Supporting Our Communities

Saying “Thank You” to All Who Serve

Supporting Education and Affordable Housing

The team at Birchwood Credit Services invites you to join us in giving thanks to our troops and supporting New England communities. We are honored to have the opportunity at this year’s New England Mortgage Bankers Conference to show

our support for two standout organizations:

We hope to see you at booth #43 where we’ll have a number of fun and easy ways for you to get involved and show your support – for our troops and our local communities – as well as opportunities to win some great prizes and meet other folks who are doing their part.

You can also visit us anytime at www.birchwoodcreditservices.com

Since its inception in 2003, this non-profit organization has prepared and shipped more than one and a half million personally addressed care packages to first responders, active troops, and veterans around the world. Thanks to the participation of thousands of volunteers and caring citizens, this organization is able to send letters of thanks and encouragement along with thoughtfully assembled packages of generously donated food items, hygiene products, entertainment goods, and even handmade gifts.

Founded in 2004, the MMB Foundation is the philanthropic partner of the Massachusetts Mortgage Bankers Association. The organization provides grants that help communities develop educational and affordable housing programs that enhance the lives of people of all ages across dozens of cities and towns.

FOUNDATIONMASSACHUSETTS MORTGAGE BANKERS FOUNDATION, INC.

FOUNDATIONTHE

MASSACHUSETTS MORTGAGE BANKERS FOUNDATION, INC.

Support Our Troops

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As an industry, we face a multitude of

changes on a daily basis – regulatory,

investor, technology and even borrower

changes. This year’s conference focuses

on the evolution of the mortgage industry

and today’s market. We hope that what

you learn here, will help set the course for

implementing new efficiencies and fresh

ideas to effectively sail the seas of change

within your organization.

We kick the conference off with Bill

Emerson, Chair of the National Mortgage

Bankers Association (MBA). Bill will talk

about what’s going on at the national level

and MBA’s priorities for 2016 and beyond.

You’ll also hear from companies such as,

American Financial Resources, Ellie Mae,

Equifax, Freddie Mac and Roostify as they

discuss how our industry uses technology

today and what we can look forward to in

the future.

The remaining sessions cover a variety of

industry hot topics such as, compliance,

origination, execution, social media,

appraisal management, eCommerce, and

CFPB updates. We close out the conference

on Friday with a candid conversation with

Industry Experts on the latest GSE and

regulatory requirements and what you

need to know and do to prepare for these

changes. You’ll also learn more about the

new Uniform Residential Loan Application

(Form/65/1003), get a HMDA update and

gain valuable insight into cybersecurity.

Also, I’m proud to say that this is the first

year that NEMBC is giving back to our

military personnel that serve and protect

our country every day. Please stop by

NEMBC Gives Back in Brenton Hall to

learn more about this initiative or write a

special note to a military service member

deployed oversees. On a personal note,

while my own daughter was deployed, I

know that receiving heartfelt cards from

strangers meant a lot. Please consider

giving a moment of your time to support

this effort – it’s appreciated.

Thank you and I hope you enjoy the

2016 New England Mortgage Bankers

Conference!

Welcome to Newport, Rhode Island and the 2016 New England Mortgage Bankers Conference.

KATHLEEN CASWELLMASSACHUSETTS MORTGAGE BANKERS ASSOCIATION CHAIRWOMAN

CHAIRMAN’S MESSAGE

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PRESIDENT’S MESSAGE

The New Hampshire Mortgage Banker and Brokers Association (MBBA-NH) is pleased to continue our relationship with the New England MBA members, sponsors, exhibitors, committee members and affiliates for this

year’s New England Mortgage Bankers Conference (NEMBC). It has been almost a year since changes in disclosing loan terms

were mandated by the Consumer Financial Protection Bureau necessitating us to adapt to change by being: collaborative, creative problem solvers and communicating on a daily basis. The good news is we are all still doing business in a thriving real estate market. Looking forward; providing educational opportunities to our

members and other New England MBA’s will continue to be top priority. MBBA-NH will continue to keep our members up to date on industry changes, provide legislative updates, and professional

growth opportunities by promoting the Certified Mortgage Professional designation (CMP-NH.org) within our membership, other New England MBA’s and professional referral sources. On the political side staying involved with our State, and Federal regulators and legislative representatives to ensure we are on top of any proposed bill/rule or law change. Being an election year it will be necessary to raise political action funds to support the spheres of influence who advocate for our industry. Our mantra will be “taking action to make a difference”. In order

for our associations to remain strong, vibrant and a resource to our members, we need to draw on the talents, knowledge and expertise of ALL of our members. To succeed, it is vital that each member consider taking a more active role in their Association. Please reflect and decide what you can do to make your

professional organization even better.

MARTHA COSSEY PRESIDENT, MORTGAGE BANKERS & BROKERS ASSOCIATION OF NEW HAMPSHIRE

On behalf of the Vermont Mortgage Bankers Association, I would like to welcome you to the 2016 New England Mortgage Bankers Conference in beautiful Newport, RI. This year we mark the 29th annual conference for mortgage professionals here

in New England. The conference is a great opportunity to visit with colleagues, vendors, and other industry representatives. It also offers the opportunity to visit the Exhibit Hall with 60

vendors. Whether you are looking for new technology, help with compliance, or seeking a new investor the Exhibit Hall affords you the ability to do your research, see a demo, or make a connection.The Conference is a good occasion for you to network and it

is also a great opportunity to gain additional knowledge through the various educational & training sessions provided by industry leaders. Utilize your time to get the most out of the conference and be sure to enjoy the many charms of Newport…it is an amazing little town that will call you back year after year.

GREG HAHR PRESIDENT, VERMONT MORTGAGE BANKERS ASSOCIATION

As I reflect on more than 20 years in the mortgage industry, it’s quite amazing what we have survived, a testimonial to the resilience, drive and energy of all participants. Despite seemingly endless new

regulation, economic uncertainty, and global threats, we march forward in the cause of providing the dream of homeownership to millions of Americans. I was recently privileged to participate, as the closing agent, in

a transaction with a first time homebuyer, a 40 something, single woman, purchasing a duplex she’d been renting for approximately three years. With the passive income generated by the other unit, she will, going forward, be able to live there almost free. It was a hard loan to process. Closing was delayed a couple of weeks and the seller almost walked. But a capable and experienced loan

officer gently kept everyone moving forward. After the closing, the loan officer and buyer embraced as tears began to course down her smiling face. This was a dream, a few months earlier; she thought would never come true. It’s good to have these reminders, from time to time, why we do what we do. We are indeed engaged in a noble cause.To that end and given an ever changing lending environment,

we have a constant need to be students of our craft. NEMBC is here for that purpose, year after year, providing the cutting edge information we need to navigate in tumultuous times. Thank you to the NEMBC committee for putting together another great show; to the Exhibitors for their participation, dedication and support; and to all of you for your diligence in striving to bring the dream of homeownership to millions of Americans. I hope you enjoy the show!

HAL J. TIPPETTS PRESIDENT, MAINE ASSOCIATION OF MORTGAGE PROFESSIONALS

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On behalf of the Connecticut Mortgage Banker Association, it is my pleasure to welcome you to the 2016 New England Mortgage Bankers Conference (NEMBC) in beautiful and historic Newport, RI. NEMBC is the region’s premiere event for

the mortgage industry and I urge you to take advantage of the exciting educational and networking opportunities available over the next three days.Change is a very popular concept in our society right now.

From “Brexit” to the just-underway US election season, voters are making it known that they are looking for new leaders, new ideas and they are rejecting “business as usual”. As a result, we must be prepared for the possibility of significant changes to the regulatory landscape in 2017 and beyond. It is critically important that we all remain informed about the best-practices and innovative ideas that can be applied to help navigate the demands of our industry. To this end, NEMBC has a compelling schedule of break-out meetings lined up for attendees; Fannie Mae, Freddie

Mac and FHLB Boston training sessions, an appraisal program, sessions dedicated to compliance, technology and sales and a program designed especially for Realtors and MLOs. The economic update will be presented during the closing session on Friday morning. The networking and social events at NEMBC are also not to

be missed. I’ve made many lasting and valuable professional connections and friendships from attending this conference for many years. If you are a golfer, make time for the NEMBC Golf Tournament on Wednesday at the fantastic Newport Country Club. The welcome reception on Wednesday evening at the Rosecliff mansion is an event to remember. Be sure to take the time to explore all of Newport with your friends and colleagues. Between the restaurants, the shopping and the history, there is so much to do and see. Thank you to the event committee who worked long and hard

to produce this conference. Thanks also go to our sponsors for supporting this wonderful event. I hope everyone enjoys the show and comes away better equipped for Sailing the Seas of Change.

DAVID ZAMARYPRESIDENT, CONNECTICUT MORTGAGE BANKERS ASSOCIATION

Welcome to Newport, Rhode Island, and the 2016 New England Mortgage Bankers Conference! The 2016 year came about with uncertainty. What would the housing market do? Would it take off? Would our business partners selling real estate exhibit big gains

or would the market plateau? Our borrowers were fortunate to see another year of historically low interest rates while finding homes at consumer-friendly prices. The refinance market is still in full swing with homeowners seeing more equity in their homes allowing for the chance to refinance. Yes, we are all fortunate to be busy!For those with more lending experience, we remember the days

with more lenient regulations and the ability to process more loans with less time. Although more regulation has become burdensome, the gains in technology have assisted in the changes our industry faces. The ability to encrypt email, electronically sign documents, and the use of online application portals have proven to be effective in streamlining the home loan process. CNBC wrote an article that interested me. To take a direct quote from the article: “There are 87 million would-be homebuyers in the millennial generation and 91% of them say they intend to own a home one day.” These constituents are using realtor.com, Zillow, and Trulia as part of their home buying process. They

don’t use a pen to sign and they are not always interested in meeting in person. The changes our industry sees in technology gains always interests me, and I am excited to see what new technologies will be available to us in the future.The next generation of loan originators has been a topic of

discussion for me over the last few years. Barbara Hanson of the Mortgage Bankers Association said, “The average age of a mortgage originator is 54 years old and that it is big problem for the future of the profession.” This was one of the major consequences we saw as a result of the financial crisis on the mortgage industry. It is up to mortgage industry leaders, such as us, to recruit and train a new generation of originators that will adopt new technologies and focus on creating excellent customer experiences.In closing, I want to express my thanks and gratitude to all my

Rhode Island Mortgage Bankers Association colleagues and the New England area Mortgage Banker Associations. It has been an honor to be a part of the NEMBC Planning Committee who has the vision to identify our industry-related needs and host such a well-organized event. Having built a 16-year career in the mortgage industry, I am always reminded about how fortunate I am to be able to provide the “American Dream” of home ownership to countless, thankful people--a notion we should all be proud of!

DAVID DECUBELLISPRESIDENT, RHODE ISLAND MORTGAGE BANKERS

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Wednesday, September 14th

8:00 AM - 4:30 PMConference Registration- Hyatt Regency Hotel

8:30 Shotgun StartNEMBC Golf Tournament at Newport Country Club

The conference gets off to a spectacular

start with a 8:30 A.M. shotgun at the

historic Newport Country Club. Originally

established in 1894 Newport Country

Club is often considered the first golf

course in North America. It has been

listed by the USGA as one of the first

100 Clubs in America – Golf Digest has

rated this links style gem as the 2nd best

links-style courses in North America. Golf

Week chose Newport Country Club as

“America’s 100 best classed courses”.

Both the U.S. Open and the U.S. Amateur

were held there in 1895 and the U.S.

Women’s Open and 2006. Come a little

early and enjoy a continental breakfast.

Awards will be awarded during a hors

d’oeuvres reception.

9:00 AM – 10:30 AMFannie Mae Training Workshop

(Rose Island 1)

Helping You To Reach More Qualified Borrowers

Come hear how Fannie Mae is providing

better tools for the mortgage industry. Our

team of experts are prepared to discuss

front-end technology tools, HomeReady,

Collateral Underwriter and upcoming DU

10.0 release.

Sponsored by

NEMBC AGENDA

WELCOME TOTHE 29TH ANNUAL NEW ENGLAND MORTGAGE BANKING CONFERENCEAll Conference Activities Will Take Place At The Hyatt Regency, Newport Country Club And Rosecliff Mansion.

Your Name Tag admits you to all conference activities – Please wear it at all times

NAME TAG CHART

FULL OR EXHIBITOR: You have access to all NEMBC conference events except for the

NEMBC golf tournament.

WEDNESDAY: : You have access to all conference activities (except golf tournament)

on Wednesday, September 14th

THURSDAY: You have access to all conference activities on Thursday, September 15th.

FRIDAY: You have access to the Closing Session breakfast on Friday, September 16th

PARKING/TRANSPORTATION/SHUTTLES:

Please take advantage of the NEMBC Shuttle Service by parking at the Gateway Transportation

& Visitor’s Center in downtown Newport. Parking at the Hyatt is limited for those who are

registered guests. You may board trolleys by the exhibit hall/registration area.

Tuesday, September 13th

8:00 PM – 10:30 PM S’mores of Fun! (Pineapples on the Bay)

If you have arrived into Newport for NEMBC early, come have s’more of fun with us at Pineapples on the Bay at the Hyatt. Enjoy Narragansett Bay, meet NEMBC attendees and make a s’more at the fire pit. A perfect beginning to NEMBC! Don’t worry if it’s

rainy – we have a sweet backup plan so rain or shine - meet us at the Hyatt!

Wednesday, September 14th

8:30 AM – 4:30 PM Evening Shuttle to Rosecliff - 6:00 PM - 9:30 PM

Thursday, September 15th

7:00 AM – 5:30 PM 7:00 PM – Midnight

Friday, September 16th

8:30 AM – 11:30 AM

Sponsored by

Sponsored by

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Fannie Mae Speakers:Stephen Carter, Director, Business SolutionsMichael McDonough, Credit Risk Analyst

Sharmila Srivastav, Manager Product Development

and Access to Credit

10:45 AM – 12:15 AMFreddie Mac Training Workshop (Rose Island 1)

Confidence, Efficiency and

Certainty with Freddie Mac Join Freddie Mac National Trainers and the New England Team and learn the latest updates to our Loan Advisor Suite of Products. Learn how to access powerful solutions for every stage of the loan production process. Be the first to hear any new updates and learn the power of the new feedback certificate of Loan Product Advisor. Are you maximizing your relationship with Freddie Mac and taking advantage of all of the tools available. (just added that – you can

rearrange, change or delete.

Freddie Mac Speakers:Kathleen Caswell CMB, AMP – Account ExecutiveJames Peronto – National Customer Education Trainer

1:00 PM – 2:30 PMFHLB Training Workshop (Rose Island 1)

Please join FHLB Boston to learn about recent enhancements to our MPF

program. MPF Direct - Our jumbo program has recently increased its’ loan limits and lessened MI requirements for some loans. In addition to the fixed rate program, ARMs are now available. Listen to more discussion about the types of ARMs that will be available for purchase. We will be also discussing how MPF pricing can be attained through several of the product and pricing engines in the marketplaces. Have you wanted to sell seasoned loans in the past? Come find out the changes MPF has made to make it easy to sell seasoned loans. Government MBS Program- Originate and sell your government loans through the cash window while receiving the benefit of GNMA securities pricing.

FHLB Boston Speaker:

Paul Pouliot, Master CMB -First Vice President

Mortgage Manager

2:00 PM -5:00 PMExhibit Hall (Ballroom/Registration Lobby)Take advantage of the two-day marketplace and visit with 60 of today’s top vendors sharing with you the mortgage industry’s latest

products, technology and services.

NEMBC Gives Back! (Brenton Hall)Let’s all support our military and say “THANK YOU” to our Military Heroes! Make a difference in their lives today! Write a note, donate a

Beanie Baby or purchase a care package for a soldier! Attendees who participate will be eligible for our hourly cash prize raffle in the exhibit hall donated by CATIC! Attendees can stop by the Birchwood booth for a special button and be eligible for a $1,000 donation in your name to Operation Gratitude as well as a prize to take home. Note cards are available from all exhibitors. Stop by NEMBC Gives Back in Brenton Hall and make a difference!

2:45 PM – 4:00 PMThe Return of Non-QM Loans - Risks vs Rewards (Rose Island 1)Weigh the risks verses rewards . Learn the requirements of what the CFPB expects in the origination of a non QM mortgage. Ben will share who the aggregators of these loans are and discuss how to service a non QM loan. Is this a product whose risks exceed the reward of the product offering?

Speakers:Ben Niles, Master CMBDirector, Compliance Training –Lenders Compliance GroupDavid Tregoning

Vice President, Business Development -Bayview Loan Servicing.

2:45 PM – 4:00 PMHiring the Next Generation of Mortgage Banker (Rose Island 2)Join Michael Kemple from Bridgewater Savings as he interviews Dustin Demerit, Craig Nardi, and Jay Tuli. They will discuss and share three very different business models for hiring new people into the mortgage

8 NEMBC PROGRAM GUIDE

industry. If you are looking to attract and hire the next generation of

mortgage banker – you will not want to miss this program!

Moderator:

Michael Kemple, SVP & Senior Residential and Consumer

Lending Officer -Bridgewater Savings Bank

Panel of Speakers:

Dustin DeMeritt, Director of Marketing -Radius Financial Group, Inc.

Craig Nardi, VP & Director of Retail Lending -

Webster Five Savings Bank

Jay Tuli, SVP of Residential Lending & Retail Banking -Leader Bank

4:00 PM – 5:00 PMMarketplace Refreshments (Exhibit Hall/Brenton Hall)

Please join us for some networking time with other conference

attendees. Beverages are available. Be sure to

stop by NEMBC Gives Back for some sweet treats!

6:30 PM -9:00 PMGala Welcome Reception at Rosecliff

Sponsored by

Join us for the signature opening reception at The Rosecliff! Indulge yourself at one of Newport’s most elegant settings. Enter Rosecliff and be greeted with a flute of champagne. Listen to some great music while catching up with fellow industry professionals. Stroll outside for a walk along the ocean. Networking at its best in an atmosphere reminiscent of a Gilded Age - truly a memorable event of a lifetime and the heart of networking at NEMBC 2016!Don’t drive – take the NEMBC Shuttle to Rosecliff - 6:00 PM - 9:00 PM

Thursday, September 15th

8:00 AM - 4:00 PMConference Registration-Hyatt Regency Hotel

7:00 AM – 5:30 PMNEMBC Trolley service to downtown NewportParking at the Hyatt is limited – grab the NEMBC trolley as it makes continuous stops between the Hyatt and downtown Newport. Don’t drive – leave your travel to us! You may board

trolleys by exhibit hall/registration area

8:30 AM – Noon: Especially for Appraisers

What Lenders Want: Minimize Callbacks by Identifying &

Meeting Client Expectations! (Vanderbilt)

Not all client expectations are equal. Starting with secondary market guidelines as a base, all lenders add their own requirements on top. When loans are aggregated through national

lenders, a third or fourth layer of appraisal guidelines may come into play. With multiple client and appraiser relations, appraisal management companies hold an advantage when it comes to learning the requirements imposed by different lenders. Our panelists will share from their vantagepoints best practice tips based upon their interactions with many underwriters from many different type organizations.Speakers:George Demopulos, RA, Lincoln Appraisal & Settlement ServicesEnid Cohen, Certified Residential Appraiser, Lincoln Appraisal & Settlement ServicesPreston Pruett, Certified Residential Appraiser, Strategic

Information Resources, Inc.

9:00 AMOpening Session – Sailing Your Way to Success (Rose Island 1&2)

Sponsored by

Our keynote speaker for the Opening Session will examine the landscape ahead from a variety of perspectives,

Bill Emerson CEO, Quicken Loans Inc.Chairman, Mortgage Bankers Association

starting with a view from Washington,

D.C. and the MBA’s initiatives. Bill

Emerson, CEO of Quicken Loans Inc.

and the current Chair of the National

MBA, will discuss the MBA’s top

priorities and provide a legislative and

market dynamics update.

NEMBC AGENDA CONTINUED

9 NEMBC PROGRAM GUIDE

Navigating Technology Today, Tomorrow and for the FutureDo you have a technology solution to meet the growing needs of how consumers want to receive information? Do you have an effective, efficient and profitable technology platform? Join the industry experts and learn how technology is playing a pivotal role

today and in the future.

Moderator:

Richard Lang – VP Technology Integration –

Freddie Mac

Speakers Include;Rajesh Bhat, Co-founder and Chief Executive Officer -RoostifyMichael R. McCabe, CFA - Director, Housing Finance and Capital Markets -Equifax, Inc. Bill Packer, Chief Information Officer -American Financial Resources, Inc. Piper Beveridge, VP Government and Strategic Relations –Ellie Mae

11:00 AM -12:15 PMManaging Your Best Execution (Rose Island 1 & 2)

Sponsored by

Execution is the primary factor in moving a

company’s strategy into reality where the

Consumers needs, Originator wants, and Company

Profits come together! Hear from our panel of

experts on Best Effort vs. Mandatory Delivery,

Delegated vs. Non-Delegated Credit Decisions, Selling to an

aggregator or direct to the agencies.

Moderator:Paul Pouliot, Master CMB, First Vice President Mortgage Manager –FHLB Boston

Panel of Speakers:Brian T. Culhane, Senior Director – Execution

Management, Single-Family Sales & Relationship Management–Freddie Mac

Mario A. Gomez I., Vice President - Capital Markets -Merrimack MortgageJeff Harry, Executive Vice President -Sales & Marketing -Capital Markets CooperativeMary E. Noons, Senior Vice President - Retail Lending,

Washington Trust

Mortgage Loan Originator Sales Academy (11:00 AM - 5:00 PM)

The NEMBC welcomes Mortgage Loan Originators, Production

Managers and their invited REALTOR ® guests to our 4th annual

NEMBC Mortgage Loan Originator Sales Academy.

11:00 AM -12:15 PMHow to Improve a Loan Closing for Your Clients Since TRID (Heritage)

Sponsored by

With CFPB imposing liability on lenders for all vendors they use, including settlement agents and

attorneys, MLO’s and lenders now need to select and/or recommend attorneys and title companies that meet the minimum standards imposed by the ALTA and CFPB. How are attorneys and settlement companies vetted by lenders? Is their ongoing oversight? Are requirements different outside of New England? What do you need to talk about with your favorite closing attorney and will you be able to use their services in the future? Learn how an attorney’s error can impact your company. Attend this session and learn what you can do to help your customers, your realtors and you!

Moderator:

Michael P. Krone, Esq., Vice President –Kriss Law

Panel of Speakers:Richard A. Hogan, Esq. , Vice President and Chief Compliance Officer -CATICGreg Radding, Vice President – Retail Lending, Norcom Mortgage

11:00 AM - 4:00 PMMarketplace Hall Opens (Ballroom/Registration Lobby)

Take advantage of the two-day marketplace and visit with 60

of today’s top vendors sharing the mortgage industry’s latest

products and services.

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NEMBC Gives Back! (Brenton Hall)Let’s all support our military and say “THANK YOU” to our Military Heroes! Make a difference in their lives today! Write a note, donate a

Beanie Baby or purchase a care package for a soldier! Attendees who participate will be eligible for our hourly cash prize raffle in the exhibit hall donated by CATIC! Attendees can stop by the Birchwood booth for a special button and be eligible for a $1,000 donation in your name to Operation Gratitude as well as a prize to take home. Note cards are available from all exhibitors. Stop by NEMBC Gives Back in Brenton Hall and make a difference!

Noon – 1:30 PMBuffet Lunch in Brenton Hall

Stop and enjoy a buffet lunch before you continue through the marketplace.

Make sure you visit each and every one of the exhibit booths!

Afternoon Sessions: (1:00 PM – 4:00 PM)

1:00 PM -2:15 PMSelfie Culture and You: Don’t Photobomb Your Company (Sales Track -Heritage)sponsored by

This session will take an in-depth look at marketing and advertising essentials for a changing marketplace. That MI Guy, Steve Richman, of Genworth will provide

wide-ranging analysis on how different generations view branding, advertising and marketing. Valuable and surprising, lessons that never go out of style, as well as recent data on what millennials and other home buyers care about on Facebook, twitter and other web platforms. Jeremy Potter of Quicken Loans will discuss best practices for compliance in the digital age. Loan Officers and Compliance Officers can make the most of this powerful medium

while working together to avoid violating state or federal law.

1:00 PM - 2:30 PMCFPB Updates, Trends & Issues (Rose Island 1)What have we learned from the CFPB through recent amended rulemaking, examinations and consent orders? This program will focus on CFPB issues –including amended TRID rulemaking. Outstanding issues such as CFPB’s discretion over 3rd party due diligence and implications of the changes to the complaint

database will all be discussed and much more! We will also be joined by the CFPB Ombudsman’s Office who will share about the role of the office and also listen to confidential feedback on process topics that they may wish to share.

Moderator:Richard A. Hogan, Esq. , Vice President and Chief Compliance

Officer -CATIC

Panelists Include;Sharon Asar, Deputy Ombudsman, CFPB Ombudsman’s OfficeSeth C. Bogdan, Vice President / Lending Technology -Specialized Data SystemsRuth A. Dillingham, Senior Underwriting Counsel – First American Title Insurance CompanySandra Gausch, Chief Compliance Officer, Regency Mortgage Corp.Ben Giumarra, Esq., Director of Regulatory Affairs –Spillane Consulting AssociatiesElizabeth Phelan, Vice President – Enterprise Bank

Susan Quilty, Principal, Quilty & Associates

2:45 PM -4:00 PMeCOMMERCE, eMORTGAGES, eNOTES & eCLOSINGS

(Rose Island 2)

sponsored by

The next great leap for the mortgage industry is here! eCommerce is the next big bang for the buck interms of efficiency and streamlining of

the mortgage closing process. Join our panel of experts asthey lead you to the reasons why you need to be heading in this

direction, what are the pros and cons and finally –how do you start?

NEMBC AGENDA CONTINUED

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Moderator:Katie Paolangeli, VP, eCommerce and Industry Initiatives -MERSCORP Holdings, Inc.

Panelists Include:Michael Cafferky, Product Development Manager -Fannie MaeCharles Epperson, Chief Technology Officer -SigniadiocsMark Ladd, VP, Regulatory & Industry Affairs -SimplifileKeith Polaski, Principal & Chief Operating Officer -Radius Financial Group Inc.Stephen Wojnar, CMB, Market Director Warehouse Lending -Santander Bank

2:45 PM -4:00 PMEfficiency Equals Profitability- Come Watch the Numbers (Heritage)

Sponsored by Join us for an exciting opportunity to learn how to structure a profitable mortgage department in today’s challenging environment. This training session will feature key speakers who will provide a road map to success by

addressing changes in the mortgage industry, compliance, and multiple facets of organizational operations. The presentation will include analytical data with cost analysis to illustrate efficient methodologies to increase income streams, and build efficient workflows.

Speakers:Brian Bacci, Vice President Compliance -Mutual Bank

John Battaglia, Senior Vice President, TCB- The Cooperative Bank

4:00 PM – 5:00 PMMarketplace Reception, Raffles & NEMBC Gives Back

(Brenton Hall)Sponsored by Please join us for a networking reception at the end of the day. Have some fun, enjoy some coffee, appetizers and the company of conference attendees. Exhibitors are welcome to announce winners of raffles. Attendees who participates in NEMBC GIVES BACK will be eligible for a cash prize raffle donated by CATIC! The winner of the Birchwood promotion raffle will be selected and will receive a $1,000 donation in his/her name to Operation Gratitude as well as a prize to take home. Thanks for participating in NEMBC Gives Back!

7:00 PM - MidnightNEMBC Trolley service to downtown Newport

Grab the NEMBC trolley as it makes continuous stops between the Hyatt, Marriott and downtown Newport. Don’t

drive – leave your travel to us! You may board trolleys by exhibit hall/registration area.

9:00 PM -11:30 PMNEMBC Night at Newport Blues

Sponsored by

Take the NEMBC trolley to downtown Newport. Begin or end your evening at the Newport Blues Café and experience the NEMBC favorite band – Mullett! Back by popular demand Mullett will ROCK and captivate you with the sights and sounds of the Glam Band era. NEMBC Mullett fans agree; this is the closest anyone can get to classic Van Halen, Def Leppard, Bon Jovi, Journey and Poison without hitting 88 mph in a tricked-out Delorean. Join us at the live music venue located on Thames Street in the heart of downtown Newport. Wear your NEMBC name badge into the Newport Blues for

a discounted cover charge of $5 per person!

Friday, September 16th

9:30 AM – 11:00 AMNavigating the Future: Breakfast with Industry Experts (Brenton Hall)

Join us for the NEMBC Closing Session as industry experts update us on the latest mandatory changes and what you’ll need to know. Topics include the new loan application, th e impact and effect of the expansion of HMDA data fields and what you need to do to

protect your company from the latest cyber security threats.

Speakers Include:Natalie Hunt, Director of Product & Development ManagementFannie MaeMatthew Maycott, Product Director -Single FamilyFreddie MacJohn McCavanagh, Director of Business DevelopmentLighthouse Computer ServicesSusan Quilty, Principal Quilty & Associates

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FLOORPLAN AND LIST OF EXIBITORS

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13 NEMBC PROGRAM GUIDE

BOOTH# COMPANY NAME

26 Admirals Bank

57 Avantus

28 Bankers Insurance Service

43 Birchwood Credit Services, Inc.

20 Byte Software

49 Caliber Home Loans Wholesale

48 Caliber Home Loans Correspondent

23 Carrington Mortgage Services

54 CATIC

25 ComplianceEase

35 CreditPlus

1 Ditech

15 Dovenmuehle Mortgage, Inc

42 Ellie Mae, Inc

47 Emigrant Mortgage

60 Equity National Title

51 Factual Data

53 Fannie Mae

4 First Guaranty Mortgage Corporation

32 Flagstar Bank, FSB

40 Franklin American Mortgage Company

41 Freddie Mac

46 Freedom Mortgage

33 Gold Title, P.C./ Dalton & Finegold LLP

27 IDS, Inc

31 KrissLaw/Atlantic Closing & Escrow

50 LDWholesale

45 Liberty Title & Escrow Company

44 Lighthouse Computer Services

13 Mercury Network

BOOTH# COMPANY NAME

3 Merrimack Mortgage Company, Inc.

5 MLS Property Information Network, Inc.

39 Mortech, a Zillow Group business

58 MortgageFlex Systems Inc.

22 Munson’s Chocolates

7 New Penn Financial

11 Optimal Blue, LLC

19 Paramount Residential Mortage Group

14 Partners Credit & Verification Solutions

9 & 10 Planet Home Lending

34 Plaza Home Mortgage

8 Qualia

38 Quicken Loans Mortgage Services (QLMS)

1A QuickSilva Real Estate Law

37 Radian Guaranty

24 Res/Title, Inc.

36 ResMac Inc

18 Roostify

21 Sierra Pacific Mortgage

29 Specialized Data Systems, Inc.

6 Stearns Lending

30 Strategic Information Resources, Inc. (SIR)

56 TenA Companies, Inc.

16 The Warren Group

12 Top of Mind Networks

52 United Wholesale Mortgage

2 Universal Credit Services

59 U.S. Department of Housing & Urban Development (HUD)

17 US Bank Home Mortgage

55 Value Quest AMC

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Admirals Bank

(401)248-7441www.admiralsbank.comCorrespondent Offering: For over 25 years, Admirals Bank has worked with homeowners nationwide to add value to their properties, by offering innovative Home Improvement lending solutions designed to leverage the FHA Title I program. As the nation’s #1 FHA Title I lender, we’ve built the infrastructure and expertise, and we’re now offering our resources to correspondent partners in all 50 states.

Avantus

(800) 243-0120www.avantus.comCredit Bureau Reporting: Avantus provides solutions for financial institutions to streamline their lending process and close more loans. Clients use our system to access EASY-TO-READ credit reports, validate flood zones, suggest ways to increase FICO SCORES, verify employment (VVOE), SSN verification, scan for fraud (RED FLAG), and run all the necessary compliance documents you will need. If your operation could benefit from decreased costs, reduced audit findings and new customer acquisition opportunities, then Avantus is the right partner for you.

Bankers Insurance Service

(800) 323-2743www.bankersinsuranceservice.comInsurance: Bankers Insurance Service 60 years as the MBA endorsed provider of Fidelity Bond and E & O Insurance. Our policies meet the requirements of mortgage investors, warehouse lenders and GSEs. Other offerings: Mortgage Impairment, Professional Liability, D & O, Privacy/Cyber Liability and Surety Bonds.

Birchwood Credit Services, Inc.

(800) 910-0015www.birchwoodcreditservices.comCredit Bureau Reporting: Birchwood Credit Services, Inc. is a leading source of credit reporting and compliance solutions designed for the lending industry. We offer quick and easy access to the information mortgage lenders need to make accurate credit decisions.  For the past 24 years we’ve been leading the way in making sure our clients have reliable information necessary for fully informed decision-making.

Byte Software

(800) 695-1008www.bytesoftware.comComputer software: Byte Software is a leading provider of innovative loan origination software to mortgage bankers, credit unions, banks and mortgage brokers. The BytePro solution is scalable, affordable and customizable; giving you the tools to easily move loans from origination through sale on the secondary market.

Caliber Home Loans Wholesale

(203) 537-1935www.caliberhomeloans.comWholesale Mortgage Banking: Caliber Home Loans is committed to providing our business partners with flexible lending solutions, including the Caliber Portfolio Product Suite, that fit borrowers’ individual needs and enhance their lives. We are a privately-held financial services company that is an approved seller/servicer for both Fannie Mae and Freddie Mac, an approved issuer for Ginnie Mae and an approved servicer for the FHA, VA and USDA.

Caliber Home Loans Correspondent

1-800-401-6587 www.calibercl.comCorrespondent Offering: Caliber Home Loans, Inc. is a full-service national mortgage lender. We are approved to originate loans in all 50 states through various channels and transaction types. We are a mortgage lender led by industry leaders who understand the challenges of today’s home financing market. Everyone at Caliber Home Loans is part of a customer — centric culture that concentrates on you. We strive to expand our lending options and close loans ahead of schedule.

Carrington Mortgage Services

(866) 288-1016www.carringtonwholsesale.comWholesale Mortgage Banking: Carrington Mortgage Services is a Wholesale lender, providing loans to the underserved markets with a flexible array of Government Purchase and Refinance loan products to mortgage brokers nationwide, down to credit scores of 550. We offer special loan programs for Manufactured Housing and to borrowers with Non-Traditional Credit.

CATIC

(888) 473-3663www.catic.comTitle Insurance Company: For 50 years CATIC has set the standard for title insurance in New England. CATIC and its more than 2,200 attorney agents are experts in the nuances of the mortgage lending, legal, title, and closing markets in New England. This knowledge is one reason lenders depend on them.

ComplianceEase

(650) 373-1111www.complianceease.comCompliance Software: ComplianceEase® is a leading provider of risk management solutions to the financial services industry. ComplianceEase’s patented platform includes ComplianceAnalyzer® - the mortgage industry’s most adopted automated compliance solution. ComplianceEase combines regulatory expertise with innovative technology to power end-to-end risk management solutions that help financial institutions improve compliance controls and increase profitability.

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CreditPlus

(800) 258-3488 creditplus.com3rd Party Verification and Credit Reporting: Credit Plus, Inc. provides intelligent insight to mortgage professional so they can make smart lending decision. Headquarter is Salisbury, MD, the company’s products and services include credit reports, scoring tools, tax return verification, more

Ditech

(978) 549.0758 businesslending.ditech.com  Wholesale Mortgage Banking: Drawing on a 15 year legacy of mortgage banking, today Ditech Financial is one of the top 10 lenders in America.  The strength of the Correspondent Division is a time tested delivery platform handled by a responsive and expertised team of professionals.  In response to clients we’ve now rolled out a Broker option through the new Wholesale Division.  Checkout the comprehensive online training curriculum geared to support your business growth.  Ditech offers delivery options of Best Efforts, Mandatory, Rate Sheet Forward, Direct Trade, AOT, Bulk and Co-Issue. 

Dovenmuehle Mortgage, Inc

(847)550-7550 www.dovenmuehle.comSubServicing: Dovenmuehle is the leading subservicing firm in the United States with more than 300 clients nationwide. Dovenmuehle works with lenders of all sizes to provide private label subservicing for the mortgage loan and servicing portfolios. For more information please contact David Allison (847)550-7550

Ellie Mae, Inc

(925) 227-7000 www.elliemae.comComputer Software: Ellie Mae (NYSE:ELLI) is a leading provider of innovative on-demand software solutions and services for the residential mortgage industry. Ellie Mae’s Encompass® all-in-one mortgage management solution provides one system of record that allows banks, credit unions and mortgage lenders to originate and fund mortgages and improve compliance, loan quality and efficiency. Visit EllieMae.com or call 877.355.4362 to learn more.

Emigrant Mortgage

(508) 838-4613 www.emigrantmortgage.comMortgage Lender: Emigrant Mortgage Company, a subsidiary of Emigrant Bank, is a portfolio lender specializing in creative “niche” financing solutions for Residential and Commercial Properties. Emigrant can finance jumbo mortgages up to $10 million. Emigrant offers financing options for traditional borrowers as well as non-US citizens/foreign nationals and borrowers with insufficient credit.

Equity National Title

(800) 434-5500 www.equitynationaltitle.comTitle & Escrow Closing Company:Founded in 1989, Equity National Title has been providing awesome customer service and support to lenders, homeowners and realtors. We leverage our 27 years of experience in title and settlement services to help guide your clients through the process from the very beginning, all the way until closing. We do more than just make closings happen. We take very good care of people.

Factual Data

(800) 929-3400 www.krollfactualdata.comCredit Bureau Reporting:Factual Data is a trusted provider of credit, risk mitigation, flood and verification services to the mortgage industry. Leveraging innovative technology and deep industry experience, Factual Data simplifies the mortgage lending process for its customers and their borrowers. For information, please visit factualdata.com.

Fannie Mae

1-800 -7FANNIE www.fanniemae.comGSE: As the leading source of residential mortgage credit in the U.S. secondary market, Fannie Mae is supporting today’s economic recovery and helping to build a sustainable housing finance system. We provide reliable, large-scale access to affordable mortgage credit in all communities across the country so people can buy, refinance, or rent homes.

First Guaranty Mortgage Corporation

(240) 575-3413 www.fgmc.comWholesale, Correspondent, & Warehouse Lender:First Guaranty Mortgage Corporation ® offers Wholesale, Correspondent and Retail origination channels. Together with Capital Markets and Warehouse Lending Divisions, FGMC provides a full spectrum of products and services nationwide. FGMC is a national approved SF Issuer for Ginnie Mae; an approved FNMA MBS Issuer; approved by HUD; an FHA approved lending institution; approved VA and USDA.

Flagstar Bank, FSB

(866) 372-5787 www.wholesale.flagstar.comWholesale Mortgage Banking: “Flagstar Bank Flagstar Bank is a subsidiary of Flagstar Bancorp, headquartered in Troy, Michigan, and listed on the New York Stock Exchange under the symbol FBC. Flagstar is a top 10 mortgage originator, a top 5 warehouse lender, and a top 5 overall FHA lender. It has been in business since 1987 and currently has more than 1,000 wholesale lenders as customers.

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Franklin American Mortgage Company

(866) 516-0340 www.franklinamerican.comWholesale Mortgage Banking: Franklin American Mortgage Company (FAMC) is one of the nation’s top 15 largest mortgage bankers and offers a full line of Conventional, FHA, VA, and USDA loan options. FAMC is a FHA Direct Endorsed, VA Automatic Authority, LAPP Authority, and a Fannie Mae, Freddie Mac, and Ginnie Mae Seller/Servicer.

Freddie Mac

1-800-FREDDIE www.FreddieMac.comGSE: Freddie Mac was chartered by Congress in 1970 with a public mission to stabilize the nation’s residential mortgage markets and expand opportunities for homeownership and affordable rental housing. Our statutory mission is to provide liquidity, stability and affordability to the U.S. housing market.

Freedom Mortgage

(856) 380-9072 www.freedommortgage.comWholesale & Mini Correspondent Lending:Freedom Mortgage is a national, full-service mortgage banker that provides mortgage servicing and originations through retail, wholesale, correspondent and commercial divisions. One of the nation’s largest mortgage lenders, the company is licensed in all 50 states, Washington DC and Puerto Rico. Freedom Mortgage is renowned for using the most advanced technologies and providing world-class service to its clients, borrowers and partners. The company was founded in 1990 and is headquartered in Mount Laurel, New Jersey. For more information, please visit www.FreedomMortgage.com

Gold Title, P.C./ Dalton & Finegold LLP

(978) 470-8400 www.dfllp.comAttorney: Closing The Gold Standard for Real Estate Closings--Gold Title, P.C., is a full service title company located in Andover, Massachusetts with the ability to close in all 50 states. We strive to have the highest standards in customer service. Our number one priority is the client--we will close at any time or location. We make closing easy.

IDS, Inc

1-800-554-1872 www.idsdoc.comDocument Preparation: IDS is your mortgage document preparation vendor with 25+ years of experience. IDS provides customers with fully compliant closing docs, initial disclosures, and fulfillment. With customer service, in-house compliance, and LOS interfaces, IDS has it all.

KrissLaw/Atlantic Closing & Escrow

(888) 632-4939 www.krisslawatlantic.comAttorney: Closing At Kriss Law/Atlantic we provide professional closing services to the mortgage lending industry that are efficient, fast and reasonably priced. Kriss Law specializes in residential conveyancing throughout New England. Atlantic Closing & Escrow’s reach is national. Our real estate closing professionals close anywhere, anytime throughout the country. We handle over $5 billion in transactions annually and offer resources like our Instant quote calculator and our Realtor Continuing Education program bringing lenders and realtors together. Visit us at www.krisslawatlantic.com and experience the Kriss Law/Atlantic difference.

LDWholesale

(844) 400-6953 www.ldwholesale.comWholesale Mortgage Banking: LDWholesale is a third-party origination channel of loanDepot LLC, an emerging growth nonbank consumer lender. Serving mortgage brokers in all 50 states, LDWholesale delivers an integrated technology-based lending experience and offers a competitively priced suite of Conventional Conforming, Conventional Hi-Balance, HARP, Jumbo, FHA and VA loan products. loanDepot LLC, NMLS #174457, LDWholesale.com

Liberty Title & Escrow Company

(888) 817-9888 www.libtitle.comTitle Insurance Company: A national title agency licensed to write title insurance in 34 states, we close loans in all 50 states. Liberty currently has 34 offices located throughout Rhode Island, Arkansas, Florida, Illinois, Indiana, Maryland, Massachusetts, New Hampshire, New York, and Virginia. We pride ourselves on helping realtors and lenders grow their business through a vast offering of tools.

Lighthouse Computer Services

401.334.0799 www.lighthousecs.comIT Service Provider: “Lighthouse Computer Services is a distinguished IT solutions and services provider specializing in 6 core practices: Analytics, Security, Middleware, Collaboration, Infrastructure, and Storage & Backup. Our focus is refined to the Northeastern U.S., allowing us to deeply cultivate our technical talent and develop lasting partnerships with our clients. Visit our website – www.lighthousecs.com

Mercury Network

800-434-7260 www.mercuryvmp.comComputer SoftwareMercury Network is the leading appraisal management software platform used by more than 700 lenders and AMCs to manage compliance and workflow for more than 10,000 appraisal transactions a day.  Call 1-800-434-7260 or visit www.MercuryVMP.com.

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Merrimack Mortgage Company, Inc.

(603) 606-3720 www.merrimackmortgage.comRetail & TPO Lending: “Founded in 1983, Merrimack Mortgage Company continues to be a New England leader in residential mortgage lending. We currently have 34 branch offices and continue to expand our correspondent and broker channels. As of July 1st 2015, we became a subsidiary of HarborOne Bank located in Brockton, Massachusetts.

MLS Property Information Network, Inc.

(800) 695-3000 www.mlspin.comReal Estate Services: MLS PIN offers a complete public records and tax database for all of MA, RI and more than 175 NH towns along with Sold and Rented Properties, CMA & Market Statistic Reports, Rosters, InstanetFax and RatePlug. With RatePlug, agents can select up to three preferred lenders to display valuable product and payment information on client reports. Visit our website today at www.mlspin.com or contact us at 800-695-3000.

Mortech, a Zillow Group business

(855) 298-9327 www.mortech.comComputer software: mortgage technologyMortech® supplies thousands of mortgage professionals with a number of services and tools, such as all-in-one pricing, rate notification, prospect management tools, custom rate sheets, loan product eligibility and guideline services. Founded in 1987, Mortech is based in Lincoln, Neb. and is owned and operated by Zillow Group.

MortgageFlex Systems Inc.

(904) 356-2490 www.mortgageflex.comLoan Origination System: MortgageFlex Systems, Inc., Jacksonville, FL, founded in 1980, provides innovative loan origination and servicing software solutions to the lending industry. The LoanQuest product platform supports evolving business processes as well as government compliance requirements with business rules, intuitive workflow, and an embedded product and pricing engine. 800-326-3539 www.mortgageflex.com

Munson’s Chocolates

(888) 686-7667 www.munsonschocolates.comCorporate Gifts: Munson’s ChocolatesCorporate Custom Business Gifts, Gift Baskets, Thank You and Referral Gifts, since 1946 Munson’s Chocolates has been the premier choice when your looking for the perfect gift for your customers. Chocolate packages with your logo or message, NO MINIMUMS, Quantity Discounts, Gift Wrapping and Shipping are available. www.munsonschocolates.com

New Penn Financial

(484) 594-1301 www.gonewpenn.comWholesale Mortgage Banking: New Penn Financial is a leading nationwide lender offering extremely competitive rates on a broad portfolio of mortgage products and exceptional customer service. Founded in 2008 and licensed in 48 states, New Penn is headquartered in Plymouth Meeting, Pennsylvania and is part of the Shellpoint Partners family of companies.

Optimal Blue, LLC

(972) 781-0200 www.optimalblue.comSecondary Market Automation, Mortgage Technology and Computer Software:Optimal Blue is a cloud-based provider of managed-content, product eligibility, pricing (PPE), secondary marketing, point-of-sale and compliance technology and services. Based in Plano, Texas, Optimal Blue has developed an enterprise-class suite of products and services designed to automate lenders’ complex processes, improving efficiency and profitability while gaining a competitive advantage.

Paramount Residential Mortage Group

888.PRMG.YES! (888.776.4937) www.prmg.netWholesale Mortgage Banking: As a direct lender/servicer, PRMG works to find the best possible financing scenarios, ranging from competitive financing for first time homebuyers to multi-million dollar loans for more experienced homeowners. We deliver a wide range of jumbo, FHA, VA, USDA, and conventional loan products, along with providing cutting-edge technology and industry-leading customer service.

Partners Credit & Verification Solutions

610.751.6166 www.Partnerscredit.comCredit Bureau/Reporting: Partners Credit & Verification Solutions provides all of the tools needed to process loans quickly and efficiently.

Planet Home Lending

(717) 679-0158 www.phlcorrespondent.com Wholesale Mortgage Banking:Founded in 2007, Planet Home Lending is a privately-held, national residential mortgage lender uniquely positioned to provide competitive products and services. Our centralized Funding platform is constructed to provide you, the Funding Seller, an expansive synergy to maximize efficiencies and increase profitability – virtually insuring success.

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Plaza Home Mortgage

(781) 246-5505 www.plazahomemortgage.comWholesale Mortgage Banking: Plaza Home Mortgage offers a variety of simple, affordable financing options to meet the needs of our customers and their borrowers. Plaza is dedicated to building quality, long-term relationships with our customers. Backed by nationwide resources, each local Plaza Account Executive is empowered to provide personal attention and best-in-class service.

Qualia

www.qualia.comComputer Software: Qualia is the fastest growing provider of settlement software to the title and escrow industry. Described as “miles ahead” and “revolutionary” by its users, Qualia brings unprecedented efficiency and transparency to the closing process.

Quicken Loans Mortgage Services (QLMS)

(704) 367-6591 www.qlmortgageservices.comWholesale Mortgage Banking: Quicken Loans Mortgage Services serves banks, brokers, and credit unions in their origination of mortgage loans. Consider the following benefits of partnering with QLMS: Full 50 state coverage in Agency, Government, and Non-Agency Jumbo loan products. Technology that enables quick Purchase loan closings, underwriting transparency, and reduced effort for you. People who deliver service that earns a 96% Recommendation rating from Partners. Ongoing education and private label marketing resources to build your mortgage business. Technology, service, and amazing resources provide the difference in supporting the continuous development of our Partners. Visit us at www.qlmortgageservices.com.

QuickSilva Real Estate Law

(617) 666-9977 www.myquicksilva.comAttorney: Closing At QuickSilva you and your client’s experience are our top priority.  That is why we are available 7 days a week, returning title documents within 24-48 hours, proactively communicating from order to closing, and always guaranteeing your borrower’s comfort with our trademark promise “We Close Anywhere at Anytime”.

Radian Guaranty

(724) 503-7429 www.radian.bizMortgage Insurance Co.: Radian provides mortgage insurance and risk management products and services that help promote and preserve borrowers’ homeownership dream, while protecting lenders from default-related losses on mortgages. Learn more at www.radian.biz.

Res/Title, Inc.

(866) 737-8485 www.res-title.comTitle & Escrow Closing Company: RES/TITLE, INC. is a National title and escrow company. Our rate calculator is guaranteed TRID compliant for your GFE and Loan Estimates. Instantly send orders and upload documents through our secure closing portal and our closing tracker will track your closings from the initial title order through to post closing.

ResMac Inc

(561) 405-9625 www.resmacb2b.comWholesale Mortgage Banking: ResMac™ is a nationwide, mortgage lender and an approved GNMA/FNMA Seller/Servicer, ranked among the nation’s fastest-growing, private companies honored by Inc. Magazine who is aggressively expanding its footprint across all business channels.

Roostify

www.roostify.comComputer Software: Founded by three technologists frustrated with their home buying experiences, Roostify enables a more efficient, transparent mortgage process for lenders, agents and homebuyers. Roostify’s software platform is trusted by prominent banks and mortgage brokers nationwide to deliver more loan volume, faster closes and happier customers. Roostify is backed by private investors, and headquartered in San Francisco. For more information, please visit www.roostify.com.

Sierra Pacific Mortgage

(781) 413-6198 www.spm1.comWholesale, Retail and Correspondent Mortgage Banker: Sierra Pacific Mortgage is a nation-wide direct FNMA/FHLMC/GNMA seller/servicer, originating through retail, wholesale and correspondent platforms. We offer great pricing, excellent service, a wide choice of products and a local Account Executive. Promises made. Promises kept.

Specialized Data Systems, Inc.

(203) 468-3400 www.specializeddata.comComputer Software: Specialized Data Systems provides software solutions to banks and credit unions. RemoteLender® is a “hosted” loan origination system and RemoteComply™ is a risk management suite. To learn more about our products and services, visit our web site at www.specializeddata.com or call (203)-468-3400.

Stearns Lending

(781) 820-6344 www.stearnswholesale.comWholesale Mortgage Banking: Headquartered in Santa Ana, California, Stearns Lending, LLC has provided over 25 years of exceptional mortgage lending services. Stearns is ranked as America’s #1 Wholesale Lender by volume from Q1 2013 through Q1 2015 by Inside Mortgage Finance. At Stearns, our mission statement is simple: “”We Can Help You!®”

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Strategic Information Resources, Inc. (SIR)

(800) 332-9479/(413) 736-4511 www.strategicinfo.comCredit Bureau Reporting/Closing/Lending Services: Strategic Information Resources, Inc. is a 90 year old, New England based provider of Credit, Risk and Informational Solutions and Services designed to support the needs of Lenders.   SIR features Credit Reports, Appraisal Management Services, Independent Verifications, Alternative Title and Background Screening Services.  All of our products and services are available through innovative web based technology with interface capabilities with LOS systems.  We are dedicated to serving the needs of our lending community and to meeting the challenges of today’s market with cost effective and compliant product solutions.  We have been supporting the NEMBC for 28 years.

TenA Companies, Inc.

(800) 255-8362 www.tenaco.comQuality Control Services & Software: TenA provides PreFunding, Post Closing and Servicing Quality Control services. SecondLook software is available for those that prefer to keep QC in house. TenA also offers State Compliance, APR Validator, MERS Reviews and the MERS Annual Report.

The Warren Group

617-896-5392 www.thewarrengroup.comMarketing Services: Marketing Research “Recognized as New England’s most trusted source for real estate and financial industry news and information. The Warren Group publishes Banker & Tradesman, The Commercial Record, and many successful custom trade publications. Our Data Solutions division provides mission-critical market data and statistics to lenders, regulators, researchers, and real estate professionals throughout New England and beyond, and we also operate an Events division.

Top of Mind Networks

(404)943-9910 Ext 126 www.topofmind.comComputer Software:Founded in 2003, Top of Mind Networks and its Surefire CRM were created with the vision to provide customized, turn-key CRM solutions to the mortgage industry. Surefire has truly grown into a one-stop shop for mortgage professionals to handle all of their customer relationship management needs. Which, of course, allows mortgage professionals to go out and do what they do best...Sell!!

United Wholesale Mortgage

(800) 981-8898 www.uvm.comWholesale Mortgage Banking: United Wholesale Mortgage Makes Lending Easy for originators by helping them grow and develop relationships with their referral partners and client base. As one of the Nation’s top Wholesale Lenders, we understand how important it is to offer a full array of products and cutting edge technology. UWM’s Lending Made Easy culture is highlighted by delivering superior communication, underwriting consistency and top-notch customer service to our network of originators on every loan.

Universal Credit Services

(888) 212-4200 www.UniversalCredit.comComputer Software: Universal Credit Services, a top national CRA providing credit reports, VOE’s, VOD’s, 4506T’s, Floods, Marketing, Fraud, and monitoring solutions. UCS provides premier customer service and products to meet the entire loan life cycle. www.univcredit.com

U.S. Department of Housing & Urban Development (HUD)

(617) 994-8400 www.hud.govFederal Government Agency: HUD is the Federal Agency responsible for national policy and programs that address America’s housing needs, improve and develop the nation’s communities and enforce fair housing laws. HUD’s business is helping create a decent home and suitable living environment. HUD oversees the Federal Housing Administration (FHA) which was formed in 1934. Since that time, FHA and HUD have insured over 34 million loans through its various single family mortgage insurance programs. FHA helps protect lenders from losses associated with mortgage default. More information can be obtained by call 1-800CALLFHA.

US Bank Home Mortgage (800) 200-5884 www.usbank.comCorrespondent and Wholesale Lending: US Bank Home Mortgage is one of the largest Wholesale and Correspondent lenders in the US. We offer our clients conforming jumbo FHA and VA first mortgages in addition to closed-end seconds and HELOCs.

Value Quest AMC

(860) 606-0558 www.valuequestamc.comAppraisal Management Company: ValueQuest is the premier Appraisal Management Company based in CT.  We provide lenders with the best local appraisers, quickest turnaround times and dependable customer service.  In this ever changing industry, we are held to the highest expectations when it comes to our clients, appraisers, quality and professionalism. As one of the fastest growing AMCs, we are looking to form dedicated partnerships with New England lenders.

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