#NAMB50: NAMB Nat'l 2023 Show Guide

WELCOME!

Welcome to NAMB National 2023! We are excited to have you join us and share in the celebration of NAMB’s 50th Anniversary!

Since 1973, NAMB has been the voice of the mortgage industry and has worked tirelessly to serve through advocacy, education, networking & more. Thousands of individuals have played a part in NAMB’s success over the years through leadership, committee & membership, and all of us have contributed to where we are today as an organization.

I am excited to o cially become President on October 1. It is even more special being from Florida, the birthplace of the organization. In the years leading up to NAMB’s founding, members of the then Florida Association of Mortgage Brokers contributed a portion of each members’ dues to help form a national association that would help advocate for the industry in Washington DC.

In addition, I am proud to be the fifth woman to become President of NAMB. I would like to thank Diane Warfield Kelly, Patricia K. McGill, Janice M. Hix and, most recently, Linda McCoy who paved the way for me to become a female leader in the association. I would like to especially recognize Linda McCoy, who served as President from 2021-2022, as she transitions from a leadership role. Her dedication to NAMB is unparalleled. NAMB couldn’t ask for a better cheerleader, supporter & advocate. She has served on NAMB’s Board of Directors for over 10 years, founded NAMB’s women’s mentoring group Inspire, and has firmly cemented her place in NAMB history.

I would also like to thank Lisa O’Connor, Chair of the Conference Committee, and all of the members who have worked tirelessly this year to make the event amazing for all of you in attendance. This is Lisa’s third year as Chair and there is no volunteer who works harder to make our events a success. While you are here, please make sure to attend our informative speaking sessions, sold-out trade show, fun-filled parties & in-depth educational classes. Plus, don’t forget to stay connected through our mobile app.

So, “Let’s Go for the Gold” & celebrate NAMB’s 50th Anniversary as we set the gold standard for professionalism, ethical behavior & business standards in the mortgage industry now & beyond.

VALERIE SAUNDERS

NAMB President, 2023-2024

INSIDE THE #NAMB50 GUIDE: NAMB Board of Directors

page 2

50 Years of NAMB page 4

#NAMB50 in Detail pages 6-24

Pullout Map & Agenda pages 13-16

Thank You, Industry Partners page 16

NAMBPAC Donors page 26

Year in Review by Ernest Jones, Jr. page 28

NAMB Award Winners page 29

NAMB Membership Application page 31

The National Association of Mortgage Brokers is the voice of the mortgage industry, representing the interests of mortgage professionals and homebuyers since 1973.

■ EMPERORS

■ AUGUSTUS

■ PALACE

LOCATION GUIDE: GET THE

1973 NAMB is created

1975 Holds first national convention in Atlanta, GA

1983 Begins the push for state involvement & nationalization

1989 Successfully carries a recommendation to Capitol Hill when the state of Ohio was going to make it illegal to pay mortgage brokers

1989 Merges with AIMB and SMC, two competing mortgage associations

1991 Hires first Capitol lobbyist

1992 Advocates for the industry regarding HUD’s ruling that brokers must disclose Yield Spread Premium (YSP)

1993 A liates with state associations including California, Florida & Ohio

1994 Helps defeat Rep. Joe Kennedy’s bill which would have capped every loan at 43% DTI

1995 Elects first female president Patty McGill & o cially establishes Washington, DC as NAMB HQ

1996 Establishes Delegate Council, a body that represents state interests

1998 Under HUD Secretary Andrew Cuomo, NAMB participates on the Housing Task Force on Mortgage Reform along with MBA, AARP & the National Consumer Loan Center

2000 Under President Neill Fendly, NAMB works with Chairman Bob Ney of the Housing Subcommittee of House Financial Institutions along with Ranking Member Congressman Paul Kanjorski on the Consumer Mortgage Protection Act, which proposed eliminating prepayment penalties, single premium insurance as well as capping Mortgage Broker fees at 8%

2001 Under President Joe Falk, starts the process of creating a regulatory structure around the “profession” of being a mortgage loan o cer, which ultimately passed as part of the SAFE Act in 2008

2003 President A.W. Pickel testifies before Congress on FACTA & Subprime Lending

2003 NAMB advocates for the term “Service Release Premium” to be renamed “Yield Spread Premium” so brokers could continue receiving these payments

2004 NAMB becomes self-managed under President AW Pickel

2004 As part of President Bob Armbruster’s presidency, NAMB fights for the industry to delay RESPA changes regarding the disclosure of Yield Spread Premium to consumers

2005 Becomes involved in

the Distributive Education Clubs of America (DECA), donating over $100,000 to its national & state a liates

2005 NAMB provides relief to Hurricane Katrina victims & NAMB members through monetary donations & the delivery of water, diapers & formula to New Orleans

2005 President Jim Nabors appears on the Today show to discuss 50-year mortgages & NAMB’s position that it was not in the best interest of homeowners who planned to stay in their homes for more than 3 years

2006 President Jim Nabors’ presidency succeeds in getting the Department of Labor to state that MLOs were considered outside sales & not subject to minimum wage & overtime

2006 NAMB testifies in front of the US House on Predatory Lending

2006 Launches the Lending Integrity Seal of Approval (LISA)

2006 HUD had set up hearings nationwide to discuss revisions to the Good Faith Estimate; NAMB galvanized 12 members to testify throughout the country

2006 Under Co-Chairs Eric Parker and Ed Smith, NAMB Diversity Committee holds Diversity Conferences in Dallas & St. Louis

2007 Establishes new education courses & programs including the General Mortgage Associate (GMA)

2007 Testifies before the U.S. House of Reps on FHA

2007 Testifies before the Senate on nontraditional

products, the subprime market & foreclosure issues

2007 Testifies before the Federal Reserve Board on the Home Ownership and Equity Protection Act (HOEPA)

2007 Publishes the association’s regulatory agenda as a reference for the 101st Congress

2008 Originates the Model State Initiative which becomes part of the SAFE Act

2008 President George Hanzimanolis appears on CNBC to discuss the mortgage meltdown

2008 Opposes the HVCC adoption which prevented originators from ordering appraisals

2008 NAMB begins 2 years of fighting for LOs & the industry regarding numerous rules including Dodd-Frank, Ability to Repay, Loan Originator Compensation & Appraiser Independence

2008 Through its Education Committee, NAMB provides information to its a liated states to help them establish pre-licensing courses during the transition into NMLS state-licensed loan originators, which required testing

2008 NAMB & NAHREP sign a Memorandum of Understanding agreeing to participate in each other’s events as well as to work together on legislative issues

2011 Expands its reach into social media with Twitter, LinkedIn & Facebook

2012 Establishes NAMB +, a subsidiary which builds relationships with companies to provide discounts & benefits to NAMB members

CONTINUED ON PAGE 26

FRI SEPT 8 FRI SEPT 8

FRI SEPT 8

9AM – 5PM ■

CERTIFIED FHA MORTGAGE PROFESSIONAL CLASS

NAMB and our sponsor

Freedom Mortgage proudly o er our newest certification, the Certified FHA Mortgage Professional (CFMP).

FHA loans have been helping people become homeowners since 1934. Having the ability to provide your borrower with the option of an FHA loan is a vital tool in your arsenal of lending options.

Education o ered as part of this session is similar to training o ered to FHA DE underwriters. Topics covered include:

• Origination/Processing

• Borrower Eligibility

• Occupancy Types

• Loan Limits

• Underwriting using the TOTAL Mortgage Scorecard

• Credit Review Requirements

• Evaluating Liabilities/Debt/Income

• Asset Requirements

• Acceptable Appraisal Reporting

• Programs & Products

And more!

Immediately following the class, a test will be given, and upon passing, you will be presented with your certification & all the marketing materials you need to promote yourself! .

12 – 6PM

EXHIBITOR SET-UP

6 – 8PM ■

WELCOME RECEPTION

Sponsored by Black Knight Kick o the 50th anniversary weekend at a casual welcome gathering! Be sure to sign the guestbook, pick up a limited edition #NAMB50 T-shirt & shoot your Proud NAMB Member video for our scrapbook!

10 – 11AM

■

SAT SEPT 9 SAT SEPT 9

SAT SEPT 9

8AM – 12PM

EXHIBITOR SET-UP

8AM – 6PM

ATTENDEE REGISTRATION

9 – 10AM ■

WHOLESALE LENDING 2024: A PANEL DISCUSSION

With Keith Lind, CEO, Acra Lending; Mike Fawaz, EVP of Wholesale, Rocket Pro TPO; Kim Nichols, Senior Managing Director, Pennymac TPO; Shabi Asghar, President, Broker First Funding; Dawar Alimi, CEO & Co-Founder, Lender Price; and moderated by Jim Boghos, President, Verity Search

Stay ahead of the competition in 2024. Join us for this insightful look into what current and future changes lie ahead for Mortgage Brokers as we delve into such subjects as Artificial Intelligence (AI), pricing tools & strategy, operational service, and, of course, innovative new lending products!

HOW TO WIN EVERY DAY

Presented by Mike Fawaz, Rocket Pro TPO

Join Mike as he shares his perspective on how to win every day. He’ll share the power of vulnerability, the strength in individuality & why your story matters. Every day, you get to choose who you want to be. Be yourself & learn why you matter every single day.

KIM NICHOLS

MIKE FAWAZ

KEITH LIND

11AM – 12:30PM ■

KEYNOTE: BARRY HABIB

Lunch available for purchase

Barry Habib, CEO of Highway.ai, is an American entrepreneur & frequent media resource for his mortgage & housing expertise. He is an Amazon #1 bestselling author for his book, “Money in the Streets.” Barry is widely credited with saving the mortgage industry in 2020 from margin calls due to fed actions. His presentation to the Fed created stability at a critical time. During his mortgage sales career, Barry personally originated over $2 billion. Over a bu et lunch, Barry will talk about success in today’s market:

• How to make more money now

• Gaining market share

• Buying now versus waiting

• Turning realtor challenges into opportunities

• Solving clients’ reluctance to give up low rate & move up

• Overcoming buyers’ hesitancy to pay over ask

• Overcoming clients’ fear of housing bubble

• Direction of real estate values & interest rates

12:30 – 1:30PM ■

DOMINATE WITH VIDEO IN 2023

Presented by Neel Dhingra, CEO, Forward Academy

Learn the 5-step process for creating content that actually gets results. This is not another 'social media' or 'video' talk. Neel teaches you how to create engaging video content & how to turn it into actual business! This is the blueprint that Neel & his students have used.

Neel is a content marketing expert who exploded his mortgage business by creating

content that gets results on social media. He is the founder of Forward Academy, where he helps thousands of RE & mortgage pros learn how they can do the same. Neel hosts the annual Forward Event in Las Vegas, where agents from all over the country come to learn the latest trends in marketing.

In today's market, we need to stand out to reach more consumers and referral partners. This is the strategy to do it.

1 – 6PM ■

EXHIBIT HALL OPEN

1:30 – 2PM ■

OUTGOING PRESIDENT’S MESSAGE, INSTALLATION OF OFFICERS

3 – 4PM ■

REVERSE MORTGAGES WITH LIBERTY

Presented by Michael Kent, President, Liberty Home Equity Solutions, Inc.

Under Mike’s leadership, Liberty has grown across all channels of loan production & is a Top 5 HECM lender. Mike is Co-Chair of the Board of Directors of the National Reverse Mortgage Lenders Association & sits on its Executive Committee. Liberty is a division of PHH Mortgage Corp., a subsidiary of Ocwen Financial Corporation.

BARRY HABIB

3 – 4PM ■

MARKETING IN 2023: WHAT YOU NEED TO KNOW FROM AI TO Z

Presented by Paul Lucido, PRMG 2023 is shaping up to be a transformational year for marketers. Paul helps you navigate the marketing multiverse!

He’ll discuss the The Biggest Changes for Marketing in 2023:

• Top marketing channels

• # 1 highest ROI of any marketing channels

• AI & automation

• The creator economy

• How video continues to dominate & drive business

4 – 5PM ■

STATISTICAL REASONING & REVERSE MORTGAGES

Presented by Mark Reeve, VP, Reverse Mortgages, Plaza Home Mortgage

The fact is, America is getting older. By 2028, the entire Baby Boomer generation will be 62 or older (roughly 71.6 million). Seniors with limited savings & inflationary pressures are now discovering the benefits of a reverse mortgage. Clearly, reverse mortgages can be used to create an instant monthly cash flow relief. However, did you know they can be used in conjunction with an overall retirement plan?

Let us show you how the aging Baby Boomer generation, along with senior home equity approaching close to $13 trillion dollars, is a market you cannot

a ord to ignore any longer. Mark explains who these borrowers are & how you can reach them.

MARK REEVE

4 – 5PM ■ DEBUNKING PROCESSING MYTHS

Presented by Zabrina Suero, Director of Operations, wemlo

The mortgage industry is buzzing about what the future holds for 2024. So, how will loan processing fit in with fluctuating market conditions? First things first: We need to clear the air on some preconceived notions about loan processing & thirdparty support.

Join wemlo’s panel session to hear directly from mortgage brokers & wemlo processors about how third-party processing can be a game-changer, especially in a potentially booming 2024 housing market.

5 – 6PM ■

MONETIZING MORTGAGE MARKETING WITH AI

Presented by Anthony Balsamo, Co-Founder, VonkDigital.com

Anthony & special guest Scott Schang will break down content marketing strategies that you can deploy to start generating leads & loans in today's market. This is a very tactical session, with playbooks to take home.

5 – 6PM ■

NAVIGATING VOLATILE MARKETS WITH SUCCESS

Presented by Keith Lind, CEO, & Greg Meola, Managing Director of Strategy, Acra Lending

Get expert tips from Keith & Greg on the Do’s & Don’ts of growing your business in the current market.

7 – 10PM

NAMB’S 50TH ANNIVERSARY PARTY AT OMNIA TERRACE

Sponsored by The CE Shop

NAMB celebrates 50 years at the Omnia Terrace Nightclub! Overlooking the action of the famed Las Vegas Strip, the terrace is an amazing spot to transport us from 1973 to 2023! Mingle outside with modern luxury, inset lighting in glass floor tiles pulsing to the beat from the LED- laced DJ booth & more! Admission is limited.

SUN SEPT 10

SUN SEPT 10 SUN SEPT 10

9 – 10AM ■

NAVIGATING A CHANGING HOUSING LANDSCAPE

Presented by Nora Guerra, Senior A ordable Lending Manager Nora explores solutions that address housing shortages, buyer migration & technological influences. She’ll share insights for industry professionals to gain a deeper understanding of the market trends & discover strategies to navigate these issues successfully.

ZABRINA SUERO

OMNIA TERRACE

NORA GUERRA

KEITH LIND

INNOVATOR IN NON-QM

DSCR NICHES – INVESTMENT PROPERTIES

 Loan Amounts to $3.5M

 620 Min FICO

 85% LTV Purchase

 80% LTV No Ratio Purchase

 80% LTV Cash Out up to 1.5M

 75% LTV No Ratio Cash Out up to $1M

 Short-Term Rentals - AirDNA w/ no additional LLPA’s up to 80% LTV

 1st-time investors and 1st-time homebuyer allowable up to 75% LTV

OTHER NON-QM NICHES :

Alt Doc

 12/24 Bank Statements and/or P&L for Self-Employed & 1099 Borrowers

 90% LTV Purchase to $2M

 80% Cashout to $1.5M

DSCR 2-10 Unit Multi & 2-8 Unit Mixed Use

 Min 660 FICO

 75% LTV Purch up to $2M

 70% Cashout up to $1.5

2nd TD HELoan

 Min 660 FICO

 90% Max CLTV up to $450K

Foreign National

 Min 680 FICO

 75% LTV Purch up to $1.5M

 65% Cashout up to $1.5M

ITIN

 Min 660 FICO

 80% LTV Purch up to $1.5M

 75% LTV Cashout up to $125M

GOLD ANNIVERSARY CONFERENCE AGENDA AT A GLANCE

FRI SEPT 8

FRI SEPT 8

9AM – 5PM ■

CERTIFIED FHA MORTGAGE

PROFESSIONAL CLASS

12 – 6PM

EXHIBITOR SET-UP

6 – 8PM ■

WELCOME RECEPTION

12:30 – 1:30PM ■

DOMINATE WITH VIDEO IN 2023

1 – 6PM ■

EXHIBIT HALL OPEN

1:30 – 2PM ■

PRESIDENT’S MESSAGE, INSTALLATION OF OFFICERS

3 – 4PM ■

5 – 6PM ■

MORTGAGE MARKETING WITH AI

7 – 10PM

NAMB’S 50TH

ANNIVERSARY PARTY AT OMNIA TERRACE

1 – 2PM ■

FROM CAMERA SHY TO VIDEO PRO... FOR LOAN OFFICERS

2 – 3PM ■

HARNESSING AI

3 – 4PM ■

SUN SEPT 10

SUN SEPT 10

9 – 10AM ■ *BREAKFAST

EXPAND YOUR CLIENT PORTFOLIO WITH USDA PROGRAM OPTIONS

SAT SEPT 9

SAT SEPT 9

8AM – 12PM

EXHIBITOR SET-UP

8AM – 6PM

ATTENDEE REGISTRATION

9 – 10AM ■

WHOLESALE LENDING 2024: A PANEL DISCUSSION

10 – 11AM ■

HOW TO WIN EVERY DAY

11AM – 12:30PM ■ * LUNCH

KEYNOTE SPEAKER BARRY HABIB

MARKETING FROM AI TO Z

3 – 4PM ■

REVERSE MORTGAGE WITH LIBERTY

4 – 5PM ■

STATISTICAL REASONING & REVERSE MORTGAGE

4 – 5PM ■

DEBUNKING

PROCESSING MYTHS

5 – 6PM ■

NAVIGATING VOLATILE MARKETS WITH SUCCESS

NAVIGATING THE HOUSING LANDSCAPE

10 – 11AM ■

IMPLEMENTING YOUR BRAND ON CANVA

11AM – 12PM ■

WHAT'S WORKING NOW: CONFESSIONS OF A TOP PRODUCER

12 – 1PM ■ *LUNCH

KEYNOTE SPEAKER JEFF MARKOWITZ

1 – 5PM ■

EXHIBIT HALL OPEN

*AVAILABLE FOR PURCHASE

Thank You, Event Sponsors

3 – 4PM ■

LEARN FROM THE #1 LOAN OFFICER

6 – 10PM ■

END OF EVENT PARTY LIKE IT’S 1973

MON SEPT 11

MON SEPT 11

8AM – 5PM ■

NMLS APPROVED 8 HOUR CONTINUING EDUCATION

9AM – 5PM ■

CERTIFIED REVERSE MORTGAGE

SPECIALIST CLASS

10 – 11AM ■ IMPLEMENTING YOUR BRAND ON CANVA

Presented by Olivia Hutto, Canva Tip Weekly

Are you using Canva to its fullest capabilities for your brand? Olivia is an expert on the best ways to get fully set up on Canva so using your brand feels e ortless. She'll walk you through brand tips, best brand practices, and setting up templates for your brand! You'll start to feel that Canva is your brand hub.

CONFESSIONS OF A TOP PRODUCER

Presented by Carl White, Mortgage Marketing Animals

Carl White returns to NAMB National! He reveals:

• a new twist on the strategy that he's used to close hundreds of deals without ever going to an open house or working weekends

• the one thing that helps get a closing rate of 79% on your leads (both seasoned pros & beginners)

• a 4-step process that brings in referred leads without buying leads or investing in programs

• a shocking report of how today's consumer decides which lender they’re going with & how to use that to your advantage in today's changing market

CARL WHITE

12 – 1PM ■

KEYNOTE:

JEFF MARKOWITZ

Lunch available for purchase

Je is Freddie Mac’s Deputy Chief Executive O cer and Senior Vice President of External A airs & Corporate Communications. In this session, he’ll discuss Freddie Mac’s mission, which is often mentioned in the industry but not always fully understood. He’ll also discuss the company’s 2023 priorities & provide an overview of Freddie Mac’s economic outlook.

1 – 5PM ■

EXHIBIT HALL OPEN

1 – 2PM ■

FROM CAMERA SHY TO VIDEO PRO... FOR LOAN OFFICERS

Presented by Danny Ruiz, @dannyhomeloans

Learn how to overcome your fear of the camera, build trust, stay relevant & attract ideal clients. TikTok sensation Danny Ruiz will show you how!

Danny has been a LO since 2005 but had to forcefully reinvent his business in 2017 after a Category 5 hurricane destroyed the island of Puerto Rico, where he was born & raised. The Hurricane destroyed all business activities including real estate. Danny moved to Tampa, FL, looking for a better future for his family. After 6 months

of struggling to attract real estate agents & still no originations, he started doing educational videos for RE agents & posting them on social. His business improved & he earned awards from Top 250 NAHREP, Scotsman Guide & Circle of Excellence with Caliber Home Loans for 2 consecutive years.

Danny has a bachelor's degree in business administration & marketing. He has been able to combine his mortgage & marketing knowledge in his social media channels. He'll show you how you can succeed too!

2 – 3PM ■

HARNESSING AI

Presented by Chris Johnstone

Sponsored by Motto Mortgage

Chris explores the transformative power of Artificial Intelligence (AI) in the mortgage industry. During this actionable & educational session, learn how AI is reshaping the world & how you can leverage these changes to grow your mortgage business.

CONTINUED ON PAGE 20

DANNY RUIZ JEFF MARKOWITZ CHRIS JOHNSTONE

CONTINUED FROM PAGE 18

Consider this: In order to reach 1 million active monthly users, it took the internet 72 months, online banking 66 months, Facebook 10 months – and Chat GPT 3 days.

Get a captivating look at the history of AI, highlighting some of the most engaging milestones along its journey from beating chess grandmasters to running self-driving cars, creating music and art, advancing healthcare & even fully funding a mortgage!

We'll then shift gears to practical applications, showcasing the top AI tools & providing real-world examples of how to integrate AI into daily operations, including email, team management, marketing, social media, video & CRM automation.

Lastly, we'll share our unique approach to using AI that is generating exceptionally high-quality inbound leads. We'll reveal how we combine database marketing & AI-powered communication to garner reviews from past clients on Google, boost map placement rankings & teach our loan o cer clients how to convert every application they receive from Google into referrals from their network of referral partners.

Don't miss this opportunity to learn how AI can revolutionize your mortgage business.

3 – 4PM ■

EXPAND YOUR CLIENT PORTFOLIO WITH USDA PROGRAM OPTIONS

Presented by Ticia Weare, Finance & Loan Analyst, Policy Analysis & Communications Branch, USDA/Rural Development

The USDA loan is one of the most beneficial programs for homebuyers wishing to purchase a home outside of densely populated areas. USDA’s under-utilized program o ers a true no money down option for properties located on about 93% of the US landmass.

In addition to flexible credit guidelines and no cap on loan amounts, products like our

“Single Close Construction” & “Rehabilitation and Repair” o er more a ordable housing opportunities in limited inventory markets with the safety of the Agency Loan Note Guarantee at signing – prior to construction commencing! These programs, along with manufactured housing & our Native American lending abilities, are established & available through wholesale channels for your brokerage.

Join us to learn how we can help expand your client base in this challenging market.

3 – 4PM ■

LEARN FROM THE #1 LOAN OFFICER

Presented by Thuan Nguyen, CEO, Loan Factory

The top-performing loan o cer who has successfully closed 11,000 loans for two consecutive years, in 2021 & 2022, o ers valuable insights.

Despite facing challenges like any other loan o cer, Thuan has never given up & continuously seeks solutions to overcome his obstacles. Discover how he adapted to the market downturn, shifting from 95% refinance to 70% purchase. He also grew Loan Factory from 20 loan o cers to 260 in less than 6 months.

This is an opportunity to interact with Thuan; he is approachable & willing to answer any questions you may have!

“Only those who d e to fail eatly can ev achieve eatly.” – Rob t Kennedy

6 – 10PM ■

PARTY LIKE IT’S 1973

NAMB’s end-of-event party features a 50-year retrospective of NAMB’s accomplishments, the cosmic stylings of LMS Bank (7-10 p.m.), open bar, bu et dinner & NAMB Awards presentation!

THUAN NGUYEN

Vintage Everyday, www.vintag.es

MON SEPT 11 MON SEPT 11

MON SEPT 11

8AM – 5PM ■

NMLS APPROVED 8 HOUR CONTINUING EDUCATION

7-Hour SAFE Comprehensive 2023 Mortgage Loan Originator Course (Course #15086)

This seven-hour NAMB course is designed to provide attendees with a review of TILA, RESPA, TRID & ECOA Examination Findings; an overview of Anti-Money Laundering requirements, the Red Flag Rules & Social Media Compliance, and a discussion of ARMs, Temporary Buydowns & Seller Financing.

1-hour SAFE Elective (Course # 15141)

The face of the borrower is changing more rapidly than ever. In today’s shifting environment, connecting with growing homebuyer populations, building future client pipelines, and understanding unique needs & opportunities within diverse communities is more critical than ever. Use our actionable insights to deliver personalized solutions & enhanced customer experiences to drive repeat business & referrals within communities.

9AM – 5PM ■

CERTIFIED REVERSE MORTGAGE SPECIALIST CLASS

Sponsored by Liberty Mortgage

More than 10,000 Americans turn 65 daily. Take this opportunity to get certified – our certification sponsor, Liberty Reverse Mortgage, can help you confidently add reverse mortgages to your product mix now. The CREV will give you the information & tools necessary to successfully navigate the product, process & conversation with potential borrowers. During the course you will learn:

• Age/Property/Equity Requirements

• How loan amounts are determined

• The role the product type plays in how much a borrower is allowed to access

• How a credit report is viewed & its impact on the loan

• Sales tips & best practices for working with borrowers 62+

• Overcoming objections & working through underwriting issues

Immediately following the class, a test will be given and, upon passing, you’ll be presented with your certification & all the marketing materials you need to promote yourself!

NAMB THANKS YOU!

SEE YOU NEXT FALL!

"“Educati is the premise of pro ess, in ev y society, in ev y family.” – Kofi Annan

#NAMB50

50 YEARS OF NAMB

CONTINUED FROM PAGE 4

2015 Creates NAMB’s Diversity Committee which is charged with bringing minorities & younger people into the business

2015 Creates NAMB’s Legislative Action Fund, allowing businesses to donate for legislative activity

2015 Works with Rep. Bill Posey (R-FL) on the introduction of HR 3393, the Mortgage Fairness Act of 2015, which would remove loan originator compensation from the points & fees cap under the Qualified Mortgage Rule

2015 Establishes a new conference, NAMB East (now known as NAMB Focus)

2017 Complete rebranding including a new logo

2018 NAMB successfully champions flood insurance reform with Rep. Maxine Waters (D-CA)

2018 Creates the Certified Veterans Lending Specialist (CVLS) certification

2019 Launches NAMB All-In, a loan origination software system in coordination with Calyx Software

2019 Expands NAMB certifications to include CCS (Certified Credit Specialist)

2020 Works with Rep. Lacy Clay (D-MO) on H.R. 5720, to amend the Fair Credit Reporting to prohibit the sale of trigger leads

2020 Pushes several Calls to Action regarding FHFA’s implementation of an advance refinance fee & amendments to the CARES Act regarding student loan deferrals & loan purchasing by the GSEs

2021 Supports the passage of H.R. 5, Equality Act, which prohibited discrimination based on sex, sexual orientation & gender identity in housing & credit

2021 Publishes digital magazine NAMBCentral

2022 NAMB provides its a liated states with the opportunity to participate in Freddie Mac’s CreditSmart training program

2022 Founds Inspire, a Women’s Mentoring Group

2022 Elects its first African-American president, Ernest Jones, Jr.

2023 Launches the Certified Reverse Mortgage Specialist (CREV) certification with sponsor Liberty Reverse

2023 Through sponsor Freedom Mortgage, NAMB establishes the Certified FHA Mortgage Professional (CFMP) certification

2023 Applies the pressure of more than 25,000 mortgage broker signatures in support of H.R. 2656, introduced by Rep. Ritchie Torres (D-NY), to amend the Fair Credit Reporting Act to prohibit the creation & sale of trigger leads

2023 Partners with the International Mortgage Brokers Foundation (IMBF) to begin a global mortgage conversation

Do you have photos or memories from a NAMB event? Did you save a NAMB National show guide?

Email history@namb.org.

NAMB.ORG/HISTORY

“I’ve failed and and again in my life — and that is why I succeed.” —Michael J dan

NAMB LOGO, CIRCA 1979

A YEAR AS NAMB PRESIDENT

Serving as NAMB president the past year has been an experience di cult to describe in a few words or without leaving something out. Perhaps the best way to describe the experience is to say I have served as President of my Church Usher Ministry, my beloved fraternity Omega Psi Phi, my Community HOA, local & state mortgage associations & commanded two U.S. Air Force operational squadrons.

In each experience, there were challenges to overcome, tough decisions to make, failures to learn from, victories to celebrate, relationships built, things left undone & sometimes asking, “Why did we do that?” Each experience is one I treasure. I continued to learn about myself as an individual & adjusted my leadership style accordingly. My belief that there are more people willing to support you than not was further enhanced.

As NAMB President, I was fortunate to be part of a great team of “doers,” more specifically, the 2022-2023 NAMB Board of Directors. Each member is a resolute mortgage professional with a sincere desire to serve their profession. Allow me to share a few of NAMB’s meaningful accomplishments this year.

After an extremely successful national convention in October 2022, we enthusiastically planned our annual new year event, FOCUS, NAMB’s Marketing, Sales & Tech Conference. In March 2023, led by Industry Partners Committee chair & Past President Kimber White, NAMB held its first Industry Partners Retreat in five years in Louisville, Ky.,bringing NAMB leadership together with its most committed partners to discuss mortgage industry & legislative concerns.

Under Kimber’s leadership NAMB traveled to Anchorage, Houston, St. Louis & New Orleans with longtime Industry Partner Freddie Mac for the NAMB Road Show lunch & learn. .

In April 2023, led by NAMB VP & Government A airs chair Jim Nabors, we headed to DC for the annual Legislative Conference. Our amazing line up of speakers inclued FHFA Director Sandra Thompson, Assistant Secretary Julia Gordon of the U.S. Department of Housing & Development, and from the House Committee on Financial Services, Rep. Patrick McHenry (R-NC) & Rep. Ritchie Torres (D-NY). The highlight of the conference was the introduction of Trigger Leads Bill - H.R. 2656, introduced by Congressman Torres, with whom NAMB’s lobbyist, the Williams Group, worked closely.

Also this year, Education Committee chair Linda McCoy oversaw the creation of NAMB’s FHA & Reverse mortgage certification courses, continuing to set the bar for professionalism & education for the mortgage industry. NAMB reasserted its Continuing Education programs in an uncertain market while other providers left the industry.

Under the leadership of chair Rocke Andrews, the Finance Committee continuously improved NAMB’s financial processes, monitoring critical NAMB investment assets and ensuring NAMB’s operational & emergency accounts were well managed.

During the year, I made several di cult decisions regarding interviews with the guidance of NAMB’s PR expert Josh Steinfeld. Thanks to Josh for his expertise, patience & professionalism. I must also mention & thank David Shirk, Esq., NAMB’s legal advisor. David’s counseling & inestimable insight coupled with his unparalleled knowledge of the mortgage industry proved invaluable to me throughout the year.

With a limited sta , NAMB was able to provide outstanding service to our members. This was made possible because of the strong relationships which are fostered between the NAMB leadership, the BODs, committees & NAMB’s exceptional sta : Brandie Starks, Director of Operations & Jilly MacDowell, Director of Marketing.

NAMB has a unique approach to how its leadership must function to be e ective & maintain long term sustainability. As unique as NAMB’s approach to leadership may be, it has survived the test of time. NAMB celebrated its 50th anniversary on August 23, 2023. Very few organizations have achieved this milestone.

I was fortunate to have President-Elect Valerie Saunders supporting me. She possesses a thorough understanding of how NAMB operates, having experience in every aspect of NAMB’s operations. Her knowledge touched each sta member, board member, committee chair, advisor & Industry Partner. Valerie’s willingness to give of herself and her resources to NAMB is incomparable.

In conclusion, I find myself feeling exactly as I described. I was blessed with the luxury of having Past Presidents serve as Committee Chairs, a knowledgeable President-Elect, a dedicated BOD, a superb sta , professional & selfless advisors, and engaged Industry Partners.

A special thanks to Past Presidents & friends Linda McCoy, Kimber White, Rocke Andrews, Jim Nabors, Rick Bettencourt & Harry Dinham for always being present. It was indeed an honor & privilege to serve the NAMB membership as NAMB President 2022-2023.

ERNEST JONES, JR.

NAMB President, 2022-2023

CONGRATULATIONS, WINNERS!

BROKER OF THE YEAR

MIDWEST: Steve Beskid, Covita Lending, LLC | Samantha Shelton, Align Lending Brady Shepherd, NEXA Mortgage LLC | Dolores Walter, American Midwest Mortgage Corp | Charles West, Midwest Family Lending Corp

NORTHEAST: Andrew Russell, RCG Mortgage

NORTHWEST: Jason Karpiel, Swift Loan | Julia Malecki, Motto Mortgage Moves Mark Teytel, Tap Money Mortgage Brokers

SOUTHWEST: Yasmin Cuevas, Homeforce| Rene Kneller, Mountain Equity Mortgage, Inc | Mimi Montgomery, Baymont Mortgage LLC | Ryan OʼKeven, OʼKeven Financial | Nick Simington, Premier Family Mortgage | Ben Vogler, Vogler Mortgage, LLC

WESTERN: Kevin Areia, Stanford Mortgage | Katherine Edmondson, Mobile Home Loans 4 U | Peaches Jensen, Peachtree Financial | Nathan Kowarsky, Clear Mortgage Capital, Inc | Jerry Lohman, American 1st Home Loans | Sonny Martell, Superior Mortgage Lending LLC | Michael Miklaus, Integrity Mortgage | Tracie Schmidt, NEXA Mortgage LLC | Sarah Tafoya Tapia, Gold Standard Mortgage

NEW BROKER OF THE YEAR

Robyn Baily, Coastal Mortgage Solutions (Southeast) | Darius James, Porch Point Mortgage (Southeast) | Nathan Jennison, Independent Mortgage Brokers (Southwest) | Lucas Adams, Motto Mortgage Aurora (Western) | Carey Reddick, HOPE Lending (Western)

SERVICE PARTNER OF THE YEAR

Strategic Compliance Partners (Compliance) | Newfi Wholesale (Lender, Wholesale) | Pennymac TPO (Lender, Wholesale) | Contract Processing Partners, Inc (Processing) | wemlo (Processing) | Floify (Software & Tech) | Lender Price (Software & Tech) | LendingPad (Software & Tech)

Awards will be presented at #NAMB50 on Sun, Sept 10, 7-10pm.

“Sh class, have pride and display ch act . If y do, winning takes c e of itself.”