NAMBCentral Oct 2022: #NAMBNational2022 Show Guide

YOUR ASSOCIATION PRESIDENT

Greetings,

On behalf of the NAMB membership, welcome to NAMB’s 2022 National Conference. It is a pleasure to have the opportunity to spend time with members, sponsors, friends, guests & industry professionals.

NAMB appreciates each of you taking the time to attend this year’s conference, especially considering the challenges currently facing our industry. The industry will eventually cycle back to more favorable conditions.

Until then, and as we have since 1973, NAMB will continue to serve our members – mortgage loan originators, brokers, and those who participate in the mortgage industry.

A special thanks to our exhibitors and partners who make it possible for NAMB to hold this conference annually. There are more than 110 exhibitors & sponsors participating in this year’s conference. The exhibit hall will be a MUST visit for everyone in attendance.

The conference will be filled with highly knowledgeable industry speakers, roundtable discussions, expert lead breakout sessions, a Certified Veterans Lending Specialist class, a Continuing Education class, a Certified Credit Specialist class, a Friday golf tournament and, of course, fun-filled sponsors’ parties including an end-of-event awards ceremony!

Again, thanks for choosing to spend October 7-10 with the NAMB family as we learn and share together during this special time to network with other industry professionals.

Ernest Jones, Jr. NAMB President

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

Ready to grow your

Marty Pfeiffenberger Memorial Golf Outing

Join NAMB on the green for the Marty Pfeiffenberger Memorial Golf Outing benefiting NAMBPAC & the Legislative Action Fund. This isn't your average golf outing. We have lots of fun games on tap, including Happy Gilmore Golf, closest to the water but not in & beat the pro!

and why manual underwriting isn't something to be feared

■ the truth about VA appraisals & especially “Tidewater”

■ ways to find double the number of VA approved condos

■ new rules around refinances & being ready for when that market returns

■ assumptions, EEM, Rehab, non-own er occupant co-borrowers, etc.

In addition, we'll emphasize the detailed knowledge & stories that you can use to show your value to real estate agents help grow your business with VA as your niche.

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

Class hours 9:00 am - 5:00 pm. Professional, Associate and Affiliate Members, $199; Courtesy Associate Members and non-members, $399. Includes continental breakfast and lunch.

2pm - 5pm

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REGISTRATION AREA

Exhibitor Check-in & Set-up

4pm - 6pm

TARRANTO

Past Presidents Advisory Committee Meeting (Closed)

6pm - 9pm

AUGUSTUS BALLROOM

#NAMBNational2022

Certified Veterans Lending Specialist (CVLS) Class

 EMPERORS BALLROOM 1

Is your focus on VA loans? Would you like to separate yourself from the competition? Don't miss this opportuni ty to become approved for NAMB's newest certification, the Certified Veterans Lending Specialist (CVLS).

VA loans are an amazing benefit that veterans have earned, and it's our responsibility as loan originators to help them take advantage of it. But to maximize that benefit, a veteran needs their loan officer to know all the nuances.

The certification training covers all the basics & also digs into super advanced topics like:

■ proving eligibility for everyone including reservists & surviving spouses

■ tips for getting DU & LP approvals,

Welcome Party Featuring Magician Eric Lerner

Kick off NAMB National right & join us for a fun-filled event with food, drinks, entertainment & more! This event features magician Eric Lerner, who will be doing close-up magic during our Happy Hour & ending the night with a show featuring audience participation, comedy & showmanship!

Eric honed his skills on the famed cobblestoned streets of New York City’s South Street Seaport. He has been flown around the world to perform for many Fortune 500 companies as well as private events. He brings something magical everywhere he goes!

FREE for members, $49 for nonmembers.

ERIC LERNER

Saturday October 8, 2022

8am - 12pm

REGISTRATION AREA Registration and Exhibitor Check-in & Set-up

8:30am - 9:20am

AUGUSTUS BALLROOM How Tech Is Changing

Non-QM Mortgage Lending

Presented by A&D Mortgage Technology has become an integral part of our lives. The mortgage industry is no exception. Our distinguished panel, including Hanna Roslyk, Corre spondent Business Development, and Renzo Hechavarria, Wholesale Account Executive, discusses how technology is

changing the Non-QM mortgage industry and how brokers can use it to unleash their marketing & grow their Non-QM pipeline.

The panel talks about proprietary tech tools including:

■ AD Studio, a web-based all-in-one marketing service for Approved Broker Partners to create professionally designed marketing materials

■ AD NewsChat, an app that lets brokers get up-to-the-minute informa tion about rates, products, training, and other news & announcements

■ AD Appraisal Center, our centralized appraisal ordering platform

■ Quick Pricer, our enhanced Non-QM pricing tool to run scenarios faster, easier & more comprehensively

■ A glimpse of a new Non-QM AUS developed by A&D that will become the industry benchmark

A must-attend for anyone looking to improve their technology strategies!

9:30am - 10:20am

 AUGUSTUS BALLROOM

How to Be a Pro in a Changing Mortgage Environment

Presented by RocketPro TPO Mortgage brokers across the nation are helping their clients achieve the Ameri can dream of homeownership & refi while they can during a challenging market in 2022. By leveraging brokers’ superpowers of choice, they can weath er any economic climate.

During the COVID-19 crisis, LOs who were only partnered with a few lenders

were hurt when the lenders slowed down their pipelines or added restric tive overlays. If brokers have many options at their disposal, they can continue closing loans as quickly and efficiently as ever.

Join Austin Niemiec, Executive Vice President overseeing wholesale at Rocket Pro TPO, as he addresses ways for brokers to quickly & efficiently access the tools they need to be the go-to source for customers. Whether the market is for refis or purchases, it's changing, and it's critical for brokers to know they have partners who they can trust, who can be a refuge of strength.

KIM

10:30am - 11am

 AUGUSTUS BALLROOM

Powering What’s Next in TPO

Presented by Pennymac

Pennymac’s President & Chief Mortgage Banking Officer Doug Jones and Senior Managing Director of Pennymac TPO Kim Nichols discuss the current lending environment, the future of the wholesale channel & why the TPO channel will contin ue to thrive. You‘ll take away insights into the future of our industry & understand the importance of having a stable, strong company by your side.

11:10am - 12pm

 AUGUSTUS BALLROOM

Growing Your Business in a Shrinking Market

Presented by Plaza Home Mortgage Worried about surviving this market?

Get survival and success tips from Mark Boleky, VP Business Development at Plaza Home Mortgage. Get ideas and takeaways about underutilized products and how to be more effective at solving your borrowers’ mortgage needs.

MARK BOLEKY

Saturday Oct 8

12pm - 12:50pm

 AUGUSTUS BALLROOM

Keynote Speaker: Randi

Zuckerberg, Founder and CEO, Zuckerberg Media

Randi Zuckerberg is an entrepreneur, investor, bestselling author & tech media personality. She is the founder & CEO of Zuckerberg Media, developing technology, content & live events all with the mission of putting intelligent, tech-savvy, entrepreneurial women & girls at the center of pop culture & media.

A Harvard graduate, Randi hosts a weekly business talk radio show, Dot Complicated, on SiriusXM. She has two TV shows currently on air: DOT on NBC Universal Kids (winner of Kidscreen's Best New Preschool Series) about a spunky little girl who uses tech to enhance her everyday adventures, and American Dreams on HSN, highlighting entrepreneurs around the country. She recently released her fourth book, Pick Three (May 2018) which challenges the fallacy of a well-balanced life.

Randi travels the world, speaking about technology, entrepreneurship, her time as an early employee at Facebook, leading major marketing initiatives in the company's formative years, and shockingly... how to unplug!

12:50pm - 1pm

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AUGUSTUS BALLROOM

Linda McCoy's Farewell Address

Read Linda’s year in review on page 30!

1pm - 6pm

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PALACE BALLROOM

Exhibit Hall Open 1pm - 1:50pm

AUGUSTUS BALLROOM

High Heels on Glass Ceilings Panel

This year's “High Heels on Glass Ceilings” Women's Session features Cindy Ertman, founder & CEO of The Defining Difference®, a results-based coaching & training company that helps mortgage professionals master the mindset, leadership & proven

LINDA McCOY

strategies which lead to more produc tion, less stress & greater satisfaction in their careers and in their lives.

Cindy served as a faculty member of Loan Toolbox for 18 years while building & growing her mortgage business to top producer success. Acknowledged as one of the Top 100 Most Influential Mortgage Executives in America by Mortgage Executive Magazine for five years in a row and named in the Top 100 Mortgage Loan Originators in the U.S. by Mortgage Originator Magazine for over a decade, Cindy now dedicates her life to empowering the growth of others.

Cindy teaches the tactical approaches she used to recruit & grow one local mortgage branch into a 20-branch region for a mid-sized national mort gage bank. Then she brings the best tactical strategies she used to drive her personal production to 7-figure success, while building, training & motivating her high impact team and creating the systems & processes to operate her business like a well-oiled machine.

CINDY ERTMAN

RANDI ZUCKERBERG

Saturday Oct 8

2pm - 2:50pm

 AUGUSTUS BALLROOM Things Look a Little Different Moving Forward

Presented by National Real Estate Post

The shifting sands have made for a bumpy ride & you’re going to need a simple plan to help make it through. Join Brian Stevens, writer & host of The National Real Estate Post, the mortgage & real estate industry's most viewed daily video podcast, for this informative session. Brian started in the mortgage industry in 1995 & quickly became a top producer. He was listed as one of the most influen tial in real estate on the prestigious Inman 100 in 2010. He's a highly sought out speaker & trainer within the mortgage industry.

BRIAN STEVENS

STEVE CUTTER

2pm - 2:50pm

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EMPERORS BALLROOM 2

Choosing a Non-QM Lending Partner

Presented by Acra Lending

Join Steve Cutter, Senior Vice President of Acra Lending, to learn how to choose the Non-QM Lending Partner that best fits your business. Topics of discussion include: financial stability, track record, product mix, pricing, service, technology & more!

2pm - 2:50pm



EMPERORS BALLROOM 1

Play to Your Strengths: How Brokers Make Their Value

UNDENIABLE

Presented by Black Knight Getting borrowers into the right products. Connecting investors and lenders with the perfect borrowers. Cutting through the red tape of less efficient origination channels. Providing consultative, empa thetic service clients will remember. Learn how you can leverage technology to lean into the qualities that make brokers special so you can maximize the value you bring to the mortgage market.

Saturday Oct 8

3pm - 3:50pm



EMPERORS BALLROOM 1

Capitalizing on Non-QM Opportunities

Presented by Fund Loans

Do you have an exception-based Super Jumbo Non-QM partner that you can leverage to bring in more deals? Join Fund Loans’ Sean Murray to discuss our unique Non-QM programs including: our new Non-QM Stand-Alone 2nd Mortgage, what borrowers fit into these programs, how to build your Non-QM business & more. Let us help you bolster your client base and take advantage of the growing Non-QM market with a distinguished lender like FundLoans!

3pm - 3:50pm

 EMPERORS BALLROOM 2

Exploring the New Frontier of the Metaverse

Presented by PRMG Paul Lucido, PRMG CMO, once again will host and lead an in-depth discus sion on the future of sales and market ing which speaks to ‘changing your mindset’, pivoting with shifting tactical effectiveness.

The one trend that everyone can depend on is that tactical effectiveness will change and shift throughout the year. It’s imperative to spend time understanding the core of your person al brand and what makes you unique so that you can effectively build your brand in whatever channels you pivot to throughout the year. Topics include:

■ Synaptic Alchemy: Sometimes we need to destroy an old rule & adapt a new way of doing things; and then make that the new standard model.

■ How we adapt to a changing land scape of hyper-personalized, one-to-one, real time and data driven technology.

■ The creator economy: The impor tance of establishing a strong brand presence across all media channels and how it needs to be ubiquitous in today's world of consumer instant gratification.

■ Resonate with your audiences : How storytelling creates the connection!

4pm - 4:50pm

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EMPERORS BALLROOM 1

Thriving in the Current Market: How Third-Party Processing Can Recharge Your Business

Presented by wemlo, LLC

For busy mortgage professionals, third-party processing services can be a scalable, cost-saving solution – under any market conditions. When business is booming, lean on third-party process ing professionals. When business slows, avoid unnecessary processing costs. Join wemlo’s presentation & panel session to see how third-party process ing can increase day-to-day operational efficiencies & help profit margins.

4pm - 4:50pm

We’re the Non-QM Overachievers

Presented by Carrington Mortgage Services, LLC

With Non-QM loans becoming more prevalent in today’s market, your business has a great opportunity to tap into an entirely new audience. Carrington’s industry-leading expertise is at your disposal. We’ll put you in a good position to serve the needs of your unconventional borrowers & take your business to new heights. We’ll equip you with the knowledge you need to tap into the Non-QM borrower space & expand your business pipeline. Our Non-QM products are designed for even your most unconventional borrowers. Learn how to expand your pipeline with Carrington’s suite of Non-QM

RHETT HUBBARD

products, how to boost the buying power of self-employed borrowers as well as investors, and identify & connect with Non-QM buyers. Let’s get to work!

5pm - 5:50pm

BALLROOM 2

Steering Your Clients to Non-QM

Presented by ACC Mortgage Change your perspective & show your clients how to qualify for the home of their dreams based on alternative methods – while increasing production.

Presenter Rhett Hubbard joined ACC Mortgage’s Management team as the Western Regional Sales Manager in 2021 after more than 40 years in the mort gage lending industry. Since then, he has played an active role driving brand recognition and production in the western states. Rhett is energetic & creative; he embodies the spirit of ACC’s entire management team & its role in the company’s rise to national promi nence in the Non-QM marketplace.

5pm - 5:50pm



EMPERORS BALLROOM 1

Digitizing Mortgage: Adapting to Market Trends with Document Automation

Presented by Ocrolus

It’s hard to make predictions about where the mortgage markets will trend. We are operating in a volatile industry where we’re seeing an influx in nonconventional programs such as ARMs, HELOCs, and non-QM loans. Join Ocrolus to take a look at how you can utilize data-driven technology partners to make faster, more accurate decisions and soften the operational blow of the next inevitable pendulum swing.

JASON JEFFERIES, SR.

Sunday October 9, 2022

9am - 9:50am

BALLROOM

Synchronizing Your Business in 2023

Presented by Freddie Mac

The low interest rate environment created a lot of opportu nities. However, mortgage providers have to remain deter mined to succeed and synchronize their business models to an evolving housing environment. Learn about new Freddie Mac solutions and products, to stay on a course for success from presenters Jason Jefferies, Sr. Affordable Lending Manager; Nora Guerra, Affordable Lending Manager; and Tom Smith, Technology Project Manager.

10am - 10:50am

AUGUSTUS BALLROOM

Representative Steven Horsford (D-NV)

Representing Nevada's District 4

Representative Steven Horsford is a proven champion for Nevada’s working families. He made history as Nevada’s first African-American State Senate Majority Leader. He passed the "Clean Energy Jobs Initiative" & positioned Nevada as a leader in renewable energy. When Nevada’s economy was devastated during the recession, Rep. Hors ford worked across party lines to solve the worst budget crisis in state history.

While previously representing Nevadans in our nation's capital, Rep. Horsford worked to ensure veterans, seniors citizens & all Nevadans received the benefits they deserved, authored & passed the Nevada Lands Bill to create jobs across the state, and fought to protect a woman’s right to make her own healthcare decisions.

NORA GUERRA

TOM SMITH

JULIENNE JOSEPH

11am - 11:50am

 AUGUSTUS BALLROOM Julienne Joseph, Deputy Assistant Secretary, FHA

U.S. Department of Housing & Urban Development

Julienne Joseph is the Deputy Assistant Secretary (DAS) for Single Family Housing, where she oversees the Federal Housing Administration’s (FHA) insurance-in-force portfolio of more than eight million loans with an unpaid principal balance of more than $1.2 trillion. In this role, Julienne manages all aspects of FHA’s single family housing opera tions including origination & servicing policy, information technology strategy, quality control & lender enforcement, and institutional risk management.

12pm - 12:30pm

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AUGUSTUS BALLROOM

Mortgage: Is What You’re Doing Working?

Presented by Windsor Mortgage

There’s no reason to do things the hard way. Chris Vinson wants to help you learn from his mistakes. Chris is the CEO of a thriving retail mortgage division with Plains Commerce Bank & CEO of the wholesale mortgage channel known as Windsor Mortgage. In this 3-part session, he’ll take you on his journey from broker to CEO, sharing the mistakes he made & the lessons he’s learned through several market shifts. Whether a rookie or veteran, you’ll come away with tangible tactics to implement in your market immediately. Chris is bringing two industry experts. Branch manager & originator Gavin Ekstrom is the king of communication, and a master recruiter & coach. Second, is broker & owner Chris Kennedy, who excels in building teams that operate on high trust & businesses that thrive on referrals only.

1pm - 5pm

 PALACE BALLROOM

Exhibit Hall Open

1:30pm - 2pm

 AUGUSTUS BALLROOM

NAMB 2022-2023 Board of Directors Installation

2pm - 2:50pm

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EMPERORS BALLROOM 1

Leveraging Resources to Build a Non-Delegated Business

Presented by Amerihome Mortgage Co. Learn the benefits of Non-Delegated Lending, how to choose the investors you will need to accomplish your goals, and how to leverage outsourced fulfillment

solutions & warehouse banks to help you to take advantage of this channel.

Panelists include Vicki Murphy, Execu tive Director at Sandler Law Group, Nicholas Krakosky, Senior Account Executive at FirstFunding, Inc., Brian LaRue, President of Red Oak Mortgage, and Greg Thompson, CEO of Secondary Marketing Solutions. The session will be led and moderated by Paul Needels, SVP and Head of Non-Delegated Correspondent Lending at AmeriHome Mortgage Company, the largest bank-owned correspondent investor in the country!

2pm - 2:50pm



EMPERORS BALLROOM 2

Marketplace 2.0

Presented by Lender Price

Dustin McClelland, Executive VP of Sales, Lender Price, explains how Marketplace 2.0 by Lender Price is helping thousands of mortgage brokers win business & stay competitive in this market! Marketplace 2.0, one of the largest communities of brokers in the mortgage industry, is 100% FREE to the wholesale broker community & was designed to help find the most com petitive loan programs in the market.

Oct 9

3pm - 3:50pm



EMPERORS BALLROOM 1

How to Optimize Credit Scores Given Recent Changes in Medical Debt Reporting

Presented by Xactus

Xactus is the leading verification innovator for the mort gage industry. With 12 operation centers across the U.S., Xactus works closely with its clients to digitally integrate a 360 approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability. Join Rosa Mumm, VP of Score Optimi zation for this informative session.

4pm - 5pm

PALACE BALLROOM

Trade Show Giveaways and Happy Hour!

6pm - 9pm

AUGUSTUS BALLROOM End of Event Party & Awards Presentation!

Join us for a fun-filled evening as we celebrate our inaugu ral NAMB award recipients along with spotlighting some of our special volunteers! This event includes food, music, fun & more. NAMB is excited to showcase our Mortgage Brokers of the Year, New Brokers of the Year and Service Providers of the Year. See page 30 for the list of winners! FREE for members, $49 for non-members.

Monday October 10, 2022

8am - 5pm

EMPERORS BALLROOM 1

LIVE Classroom 8 Hour SAFE NMLS

Continuing Education Course

Professional, Associate & Affiliate Members, $12. Courtesy Associate Members & non-members, $79.

SAFE NMLS topics covered include 3 Hours of Federal Law, 2 Hours of Ethics, 2 Hours of Non-Qualified Mortgage Products, and 1 Hour General Elective (Course ID: 13657). 7 Hour SAFE CORE (Course ID: 13683): Condo Lending, TILA RESPA Violations, LO Comp, FACTA,BSA/AML and Red Flags: Our live CE classes include a final group assess ment. Presented by David Luna, Mortgage Educators and Compliance (Provider ID#1400062).

ADRIANA BATES, Clear Mortgage, LLC (Southwest)

CLAUDE BLACKMAN, FinanceAny1 (Northeast)

JENNIFER BROWN, Neighborhood Mortgage, Inc. (*Southeast)

BRANDON CARRERO, Carrero Mortgage Advisors (Southeast)

C2 Financial Corporation (*West)

ANDREW DORT, Pride Lending LLC (West)

GEORGE DUARTE, Horizon Financial Associates (West)

AIMEE GRIAJLVA , Seraph Rates (West)

HAZEL JACKSON, Lucid Mortgage Solutions (West)

PEACHES JENSEN, PeachTree Financial (West)

MICHAEL MIKLAUS, Integrity Mortgage (West)

THUAN NGUYEN, Loan Factory, Inc. (*West)

ANDREW RUSSELL , RCG Mortgage (*Northeast)

MICHAEL SOCHA , The Socha Lending Group (Southwest)

*COMPANY HAS MORE THAN 25 EMPLOYEES

TY COUTTS, Aslan Home Lending (Southwest)

ERNESTO DE LA CRUZ, CCM Funding Group (Southwest)

KEENYA KIND, Keen Mortgage Group, LLC (Southwest)

MICHAEL REYES, The Mortgage HUD (Southeast)

BRIAN SCHALK , Prost Mortgage Group (Midwest)

9am - 5pm

EMPERORS BALLROOM 2

NAMB’s Certified Credit Specialist (CCS) Course

Earn your CCS certification! Gain a market advantage & take a deep dive on structures of credit scoring. Learn how to apply this knowledge with your next customer.

Perform professional in-depth, credit analysis

Educate you to educate your customers

Differentiate yourself by learning better pricing

Understand how reason codes impact score and price

Demonstrate mastery of credit review

Gain knowledge of how trended credit data affects files

Reduce touches on files and improve turn-times

Immediately after class, a test will be given and, upon passing, you’ll be presented with your certification & all the marketing materials that you need to promote yourself! Professional, Associate & Affiliate Members, $199. Courtesy Associate Members & non-members, $399. Includes continental breakfast & lunch.

10am - 12pm

NAMB Board of Directors Meeting HAVE A GREAT CONFERENCE!

NICOLE ANDREWS, Fastapp Inc. (Appraisal Management)

CHELSEA BALAK , wemlo (Compliance/Processing)

DRU BRENTS, PreApp 1003/Broker Plus (Software & Technology)

BILL CANNOVA , Equity Solutions USA (Appraisal Management)

JASON DICKINSON, CIC Credit (Software & Technology)

JOHN FAHEEM, Granite Construction Risk Management (Compliance/ Processing)

SOFIA ROSSATO, Floify (Software & Technology)

VICKY STRINGER, CIC Credit (Software & Technology)

MIKE SURBER, USA Business Lending, LLC (Compliance/Processing)

MIKE THOMAS, CIC Credit (Software & Technology)

CHRIS VINSON, Windsor Mortage (Training & Education)

PHILIP YEE, Plaza Home Mortgage (Training & Education)

WESLEY YUAN, LendingPad (Software & Technology)

ACC Mortgage

Acra Lending

AmeriHome Mortgage

Angel Oak Mortgage Solutions

Armed Forces

AMC

NAMB NAT

Sponsors

Black Knight

Calyx Software

Carrington Mortgage Services, LLC

Flagstar Bank

Loans

of Omaha Mortgage

Ocrolus

Orion Lending

Plaza Home Mortgage

Guide

wemlo, LLC

Windsor Mortgage Solutions

THANK YOU TO OUR partners industry partners industry

My Year at NAMB

BYLINDAMcCOY

As I think back over this last year, I can tell you there have been many challenges to overcome. I can tell you that the person happiest that my presidency is coming to an end is is my husband, Tiffany McCoy. He has supported me as NAMB president, one of my greatest business honors, but he said, “Never do that again.”

“My Year at NAMB” has included Education, Government Affairs, Women in the Mortgage Industry, Zoom Calls, Com mittee Meetings, BOD Meetings, Interviews and much more. The one thing I had no idea about when I took this office was that the president is the voice of NAMB in the media!

Thank you, Josh Steinfeld, better known as NAMB’s PR guy, for guiding me through the media maze of reporters, maga zines, TV, radio and social media. I took Laura Brandao’s advice, from her book, to “Never Say No.” I did not but, looking back, maybe I should have on a few.

There were past presidents, past board members, friends and Industry Partners that I reached out to for advice this year and for them I am grateful. I learned that I knew a lot more than I thought I did and if I didn’t, I spent time studying.

A good friend of mine said, “Linda, you should tell the Good, the Bad, and the Ugly.”

The GOOD is we had a huge presence in DC this year with the help of our lobbyist, the Williams Group. We created the “NAMB Future Leaders” training course, which is ready for its first class. (We have room for one more!)

The BAD is that we did not complete everything that we wanted to because we ran out of time. This year has flown by!

It was not GOOD but GREAT that we held so many certifica tion classes this year all over the US, giving our members a way to set themselves apart from other loan officers. We’re currently working on FHA Certification for next year!

A GOOD is that women are shining and playing a bigger role at NAMB – but we still need more women in top positions throughout the mortgage industry. We want to see more women break through those glass ceilings! As the first female NAMB president in 25 years, I feel like I’m one of them.

I am looking forward to this year’s panel featuring Cindy Ertman and our “High Heels on Glass Ceilings” panel of women industry professionals sharing ideas. Join us & learn the importance of women in leadership roles in organizations, whether it’s mortgage or associations. We are worker bees!

Another GOOD was the launching of our monthly digital magazine, NAMB Central. Members love it! A thank you to Jilly MacDowell, our Director of Marketing and NAMBCentral editor, who took on that project and made it happen.

NAMB has a great support team, and I’m so glad that I have been privileged to sit on the NAMB board continuously since 2011. Thanks to Kimber, Ernest, Val, Mike and Rocke serving with me on my EC, my BODs, Brandie and Tiffany. My year has been a great one.

What’s UGLY? Our rates right now.

Linda McCoy is NAMB’s Immediate Past President and CEO of Mortgage Team 1, Inc., in Mobile AL.