Texas Mortgage Bankers Associationorganization, and I have never been more proud to be a Texas Mortgage Banker. I am looking forward to seeing each and every one of you in May at the

As we draw to the end of another administrative year, your membership in the Texas Mortgage Bankers Association has never been more important or more appreciated.

TMBA has just completed another highly successful Loan Servicing Conference. This conference and the Southwest Secondary Conference continue to bring new ideas and updates to our members at a time when our business is increasingly difficult. Regulators and legislators, however well intentioned, seem more determined than ever to enact new laws or create new guidelines that have the potential to make business more difficult, limit the availability of competitive financing or add unexpected costs to consumers.

As we head toward the convention in May, TMBA continues to focus on both the origination and servicing issues facing our industry. Thanks to the wisdom and leadership of Larry Temple, with the support of the Government Affairs Committee, we have drafted and promoted key licensing legislation that will bring Texas in line with national requirements, while best protecting the interests of our members.

Countless other bills have been monitored, and Larry has worked with legislators and other trade organizations offering suggestions for compromise and pertinent testimony promoting our interests on many issues. Many issues are unresolved, and we have a long way to go before the session ends. Your support and vigilance continue to be needed.

Your membership and your support, particularly your participation on the committees that do the real work of our organization, along with your contributions to the TMBA PAC, make everything we do possible. Serving as your president has been an honor and a privilege, and I have a new appreciation for the coordinated efforts and hard work that go into all our endeavors. This vantage has given me an up close and personal exposure to the gifts of time and talent so many of you give to our organization, and I have never been more proud to be a Texas Mortgage Banker.

I am looking forward to seeing each and every one of you in May at the Hyatt Lost Pines. Thanks for a truly rewarding year.

Sincerely,

Texas Mortgage Bankers Association March | April 2009 Volume XVII Issue II

{President’s MessageS. Van Stewart

Off icers President

S. Van Stewart, San AntonioVice President

John Watson, HoustonSecretary/Treasurer

W. Scott Norman, AustinAssociate Representative

Jay G. Beitel, San AntonioPast President

Michael D. Minnis, HoustonPast President

Benjamin E. Streusand, HoustonExecutive Vice President

Lisa Vercher, AustinGeneral Counsel Larry Temple, Austin

DirectorsBarry R. Baker, CMB, Fort WorthRosemary E. Barbour, DallasTommy Bastian, AddisonBlane L. Bauch, Coraopolis, PARichard F. Comparato, IrvingClifton A. Crabtree, HoustonKerri Crabtree, BedfordTimothy Fisher, DallasDavid E. Frase, CMB, AMP, ArlingtonDana Gompers, CMB, HoustonJ. Kevin Gugenheim, Aliquippa, PACharles E. Klein, WoodwayMarc N. Laird, HoustonMichael Lima, DallasLarry B. Litton, Jr., HoustonGil Lopez, III, HoustonRob Macioce, SpringCalvin C. Mann, Jr., HoustonRobert D. O’Reilly, HoustonMark Raskin, AddisonRon Rogers, LubbockScott R. Valby, HoustonBilly F. Vaughn, DallasThomas F. Vetters, II, AustinRobert H. Wagnon, HoustonLance P. Welch, BoerneRob G. Wiggins, HoustonIan Wright, Dallas

www.texasmba.org www.texasmortgagel icensing.org

http://www.texasmba.org

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

2

TMBA Mortgage Roundup March | April 2009 Volume XVII Issue II


Upcoming TMBA Meetings & Conferences

Preserving the Dream 5K RunMay 2, 2009Hyatt Lost Pines Bastrop, Texas

93rd Annual ConventionMay 3 - 5, 2009Hyatt Lost Pines Bastrop, Texas

Summer Directors MeetingAugust 9 - 11, 2009Vail Cascade Resort

59th Annual Educational Seminar & MarketplaceNovember 16 - 17, 2009Westin Galleria | Dallas Texas

{

Texas Mortgage Lending Law & Practices Deskbook& SupplementSecond Edition

Is your TMBA Deskbook up to date? The 2008 Deskbook Supplement is ready to ship; so order yours today.A special thanks to members of the Regulatory Compliance Committee that make the Deskbook possible by volunteering their time and expertise. A complete list of Deskbook and Supplement authors can be viewed in the Acknowledgments section.

{

2009-2010 Committee

Members

As a member of TMBA, you have an opportunity to participate actively by serving on a committee or recommending committee members for the 2009-2010 leadership year.

COMMITTEE PARTICIPATION

Serving on a TMBA Committee is a way the mortgage professional can participate in a leadership role in the real estate finance industry as a whole. Such leadership provides an opportunity to target trends and issues relevant to the mortgage industry with other committee members who are per-competitors. It also provides an opportunity for creative problem solving, as well as professional enrichment. Each committee of the TMBA shall include members whose term of appointment will be for one year, beginning June 1, 2009, and may be re-appointed for a maximum of three consecutive years. Committee members are selected through recommendation by TMBA general membership and final appointments are made by the President with input from the respective committee chairperson. Efforts are made to provide a balance representative of the membership diversity.

continued page 3

become a TMBA committee member



http://www.texasmba.org/5k/




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


http://www.texasmba.org/ed_tools/deskbook.asp




3www.texasmba.org www.texasmortgagel icensing.org

newTMBAMEMBERS

{Other Upcoming Local Meetings &

Conferences

Dallas Mortgage Bankers Association

Monthly LuncheonApril 2, 2009 | 11:30 am

Prestonwood Country Club www.dallasmortgagebankers.com

Fort Worth Mortgage Bankers

Golf TournamentApril 6, 2009 | 1:00 pm

Diamond Oaks Country Clubwww.fortworthmba.org

Austin Mortgage Bankers Association

Monthly LuncheonApril 15, 2009 | 11:30 amThe Austin Country Club

www.austinmba.org

Fort Worth Mortgage Bankers Monthly Luncheon

April 15, 2009 | 11:30 amPetroleum Club of Fort Worth

www.fortworthmba.org

Austin Mortgage Bankers Association

Annual Spring Golf EventMay 18, 2009

The Austin Country Club www.austinmba.org

Fort Worth Mortgage Bankers

End of Season LuncheonMay 20, 2009 | 11:30 am

Joe T. Garcia’swww.fortworthmba.org

{Committees represent, involve and serve members. They provide a training ground for future leaders through group problem solving and as a forum through which to discuss/debate association interests. A committee is most effective when its mission is clearly defined; it has appropriately strong leadership and competent staffing. Committee members are asked to demonstrate support of the programs and services of TMBA, to take an advocacy position in promoting membership and by participating in Association programs /meetings, as well as government relations initiatives. Committee members are expected to support programs emanating from their committee at their expense.

HOW TO RESPOND

After reviewing the guidelines, committee participation and responsibility information and the description of each committee purpose, please make your recommendations on the TMBA COMMITTEE APPOINTMENTS 2009-2010 form and return it to the TMBA office no later than May 1st.

Recommendations and questions can also be directed to TMBA staff by replying to this email.

be a part of the TMBA initiativebe a committee member

Appraiser DirectDoyle Legal CorporationEverbankMoncor Inc.

North American Title CoOutsource Solutions, LLCPioneer Bank, SSBSignia Docs, Inc



www.dallasmortgagebankers.com

www.dallasmortgagebankers.com

http://www.fortworthmba.org

http://www.austinmba.org/catalog/product_info.php?products_id=42






http://www.texasmba.org/docs/CommitteeForm09.pdf

4



Why Advertise with TMBA? TMBA’s primary goal is to maintain

a presence as the leading trade association in Texas for the real estate finance

industry by identifying the needs of our members and furnishing them with

the tools necessary to advance their interests. To fulfill those needs, we offer

access to products and services giving our members every advantage to

improve his/her professional expertise.

texasmba.org web site advertising

The web site, updated frequently, provides mortgage banking representatives

with current information about the market and educational programs we provide

throughout the year along with other benefits and advantages of belonging to

TMBA.

Mortgage Roundup newsletter advertising

The TMBA newsletter, Mortgage Roundup, is produced six (6) times a year and

distibuted to more than 700 members.

Membership Directory advertising

TMBA Membership Directory is published once per year, mailed annually in

September and available to TMBA members only.

Increase your visibility within our industry and advertise with us today.

more marketing opportunities at www.texasmba.org

TMBA 2009 & 2010Advertising Options



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




REGISTER

www.texasmba.org/5k | Hyatt Lost Pines | Lost Pines, Texas

��All proceeds go to the Texas Foreclosure Prevention Task Force. Their purpose is to reduce home foreclosures and the impact of foreclosure on Texas families and communities.

��

��

��

��Texas Mortgage Bankers Association and the Texas Foreclosure Prevention Task Force invites you to help keep Texas families in their homes by participating in our fi rst 5K Run. When: Saturday, May 2, 2009 | 9:00 am Start Time Location: Hyatt Lost Pines Resort and Spa Bastrop, Texas (17 miles east of Austin) Contact: Texas Mortgage Bankers Association www.texasmba.org | p 512.480.8622

�

��




6



www.texasmba.org/5k | Hyatt Lost Pines | Lost Pines, Texas

April 1 - Apr 27 ..............................$30

I would like to make a donation to Texas Foreclosure Prevention Taskforce in the amount of: $

Packet pickup schedule locations will be posted on website.

Transfer & Refund PoliciesSorry, no race day registration for the 5K. Sorry, no refunds. Races will be held rain or shine, unless race offi cials determine Sorry, no race day registration for the 5K. Sorry, no refunds. Races will be held rain or shine, unless race offi cials determine conditions are unsafe. Visit www.texasmba.org/5k for announcements in case of potentially unsafe racing conditions.

RequirementsMen and women are welcome and encouraged to participate. You must be at least 11 years old to register for the 5K race. You must be in good health and physically fi t for the 5K race.

Waiver (must be signed)In consideration of acceptance of this entry, I assume full and complete responsibility for any injury or accident which may occur during my participation in the event or while I am on the premises of the event. I hereby release and hold harmless event organizers, sponsors, benefactors, volunteers and all other persons and entities associated with the event or their agents or employees, or otherwise. I will not enter and participate unless medically and properly trained and know that although limited protection will be provided, I assume the risk associated with this event including but not limited to falls, contact with participants, the effects of weather, the conditions of the course, all such risks being know and appreciated by me. I am responsible for my own medical and emergency expenses regardless of whether I have authorized such expenses. I further grant my permission to use any photographs, videotape, recordings, or any other record of this event. T-shirt size is not guaranteed. Fees are non-refundable.

Signature of participant (signature of parent if under 18 years old) :

mail payment to: TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701 or fax: 512.480.8621register online: www.texasmba.org/5k

��

contact name age on race day (minimum age is 11)

mailing address city state zip

email phone # email phone #

male femalemale female

t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.t-shirt size: S M L XL XXL Youth *cannot guarantee t-shirt size after April 1.

CC number expiration date CVV2#

card holder fi rst name last name signature

billing address (if different from above) city state zip

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

��

��





registration available online at www.texasmba.org/convention

Barrett Daffin Frappier Turner & Engel, LLPBeadles, Newman & Lawler, PC

Black, Mann & Graham, LLPBrown, Fowler & AlsupCendera Funding, Inc.

CitiMortgage, Inc.CJ Technologies

Colonial National MortgageCornerstone Mortgage Company

Del Mar DatabaseDon W. Ledbetter, PLLC

First Continental Mortgage CompanyFreddie Mac

Gregg & Valby, LLPKroll Factual Data

Lawyers Title & Commonwealth Land TitleLenders One

McGlinchey Stafford and Youngblood & As-sociates, LLP

Middleberg Riddle & Gianna

Mortgage Banking SolutionsMortgage Alternatives

Mortgage Builder SoftwareMortgage Guaranty Insurance Corporation

MOS Group, Inc.PMI Mortgage Insurance Co

Polunsky & Beitel, LLPPrimeLending

Radian Guaranty, Inc.Republic Mortgage Insurance Company

Robertson | AnschutzRocky Mountain Mortgage Company

Sente MortgageServiceLink

Southwest Securities, FSBStewart Lender Services

SWBC Mortgage CorporationVenture Encoding Service, Inc.Wells Fargo Home Mortgage

Convention Sponsors





8



before April 1st after April 1st handicap total amount

Golf $160 $170

qty ordering total amount

Opening Reception* $50 per person $50 per person

Closing Reception* $50 per person $50 per person

President’s Reception* $75 per person $75 per person

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.

TMBA | 93rd Annual ConventionRegistration Form

Attendee Information

first name last name middle initial

company title

mailing address

city state zip email

phone # fax # Are you a first time attendee? Yes No

Payment

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

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

CC number expiration date (back of card) CVV2#

card holder first name last name *authorized signature

billing address (if different from above)

city state zip Total amount paid:

Event Tickets

before April 1st after April 1st total amount

Member $395 $475

Non-member $495 $575

Member with Guest $520 $595

Non-member with Guest $665 $740

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

Registration Fees

Where did you hear about the 93rd Annual Convention? TMBA website TMBA Newsletter Email Blast Brochure Other :

May 3 - 5, 2009 | Hyatt Lost Pines | Lost Pines, 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.

source: newsletter





W

www.pclender.com | 877-536-6886

Affordable Web-Based Lending Solutions

Simplify Compliance

Maximize Operational Efficiencies

Increase Profitability

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Convention ExhibitorsAppraisers Direct, Inc. | Clint Cornett | #2

Calyx Software | Christa Cox |17Capital Farm Credit | Matt Seymour |# 8

CitiMortgage, Inc | Jennifer Garamella | # 20CJ Technologies | Cuong Nguyen | #22

Del Mar DataTrac | Kristol Gallaher | #21Granite Loan Management | Sheri Sullivan |#1

Kroll Factual Data | Inken Purvis | # 13Mortgage Builder Software | Wendy Bennetts | #6

Optimal Blue | Shannon Campbell | # 5PCLender.com | Alex Weintraub | #14

Southwest Securities, FSB | Robin Ziemian |#19Stewart Lender Services | Juliane Mahlmann | #4

Texas Veterans Land Board | Heather Newell |# 18Tradeweb | Simon Hylson-Smith | # 15

U.S. Department of Housing & Urban Development | Dahlia Martinez | #10USDA Rural Development | Leon Carey | #3

Venture Encoding Service, Inc. | Jim Linker |# 16



10



The Texas Mortgage Bankers Association is taking a

significantly large role in working with our regulators and all

mortgage lenders to ensure the continued strength of our

residential real estate markets. We plan to assume the lead in

providing lenders with their pre-licensing education requirements

under the SAFE Mortgage Licensing Act signed into law this year.

TMBA is also working to developing and providing approved

several other licensing programs in the near future.

As the third largest mortgage lending association in the

nation, we are in the best position to manage this endeavor.

Our members originate more than $35 billion annually and our

membership represents those who promote fair and ethical

lending practices.

Visit the www.texasmba.org [licensing section] or

www.texasmortgagelicensing.org for information and updates they

become available.

TX Licensing TMBA’s current efforts in providing an approved licensing program – stay tuned!




Documents

Texas Mortgage Bankers Associationorganization, and I have never been more proud to be a Texas Mortgage Banker. I am looking forward to seeing each and every one of you in May at the