You are on page 1of 76

mbas 96th annual convention & expo 2009 program guide and exhibitor listing

N A V I G A T I N G

T H E

R I G H T

C O U R S E

Program guide and exhibitor listing

D I S C O V E R I N G

N E W

O P P O R T U N I T I E S

Solving the puzzle TOGETHER


es ot

eN

De Fra te ud cti on y str ds u r Ind nda Sta

VISIT US

Va ca Re nt P gis ro tra pe tio rty n

Room 5B San Diego Convention Center Oct. 11-13, 2009 MBAs 96th Annual Convention & Expo

ERS presents you with critical pieces of the puzzle to take your business into the future. We oer the collaborative solutions to help you eliminate paper, detect fraud, and cost-eectively respond to government regulations, all while improving your bottom line.

Residential Commercial eRegistr y Ser vicerID InvestorID eDeliver y

a message from the chairman


Dear Colleague: Welcome to San Diego and the Mortgage Bankers Associations (MBA) 96th Annual Convention & Expo. Looking back on the past year, we are all well aware of the challenges the industry continues to face, as well as the valuable lessons learned from those challenges. These are indeed uncharted times. Confidence in our industry is low, among policymakers, investors and the public at large. Scrutiny on our past business practices continues to fuel a dialogue between policy makers, government agencies, grassroots organizations and various other stakeholders. We as an industry remain committed to implementing a viable solution that will help consumers, restore confidence and stability to the market, rebuild Americas trust in the real estate finance system and prevent a replay of these problems in the future. From a public policy standpoint, MBA is leading the way for discussions in Washington and the state capitals on virtually every issue that our industry is facing. This summer, President Obama released his proposal for reform and modernization of the nations financial regulatory regime. The proposal is wide-ranging and will have significant impact on the future of the mortgage industry. As the discussion around regulatory modernization moves forward, we will work with Congress and the administration to ensure that the new regulatory structure does not create conflicting and contradictory regulatory regimes that further confuse both lenders and borrowers. We want to ensure that the new structure does not stifle innovation or increase costs for consumers. And we will continue to argue for one preemptive set of mortgage regulations throughout the country to replace the current patchwork of state and local laws. To help do that, MBA has created a member-led Task Force so MBA can be at the forefront of the debate on regulatory reform. This Task Force is led by MBAs Vice Chairman-elect Mike Young and is comprised of 20 industry thought leaders. This Task Force is charged with reviewing the policy issues in the reform proposals and developing MBA policy so that we can weigh in and positively impact the continuing debate. MBAs research department continues to produce benchmarking data and analysis on the single-family, multifamily and commercial real estate and finance markets that is second to none. MBAs data is accurate and credible, which is why it is being utilized by firms of all sizes to help shape and guide their business. Further, policymakers and thought leaders around the country rely on MBA to better inform the ongoing public policy debates. CampusMBA, our award winning education arm, continues to be the industrys leading source of information, training and education to help industry practitioners expand their knowledge and improve their job skills, which adds to their companys bottom line. The infrastructure of the real estate finance industry remains strong and ready to sustain long-term manageable growth in the future. But given the challenges of the current downturn, more needs to be done. And that is where MBA is your partner, your resource and your voice. It has been my distinct honor to serve as your Chairman for the last year. As my term ends, I look forward to maintaining an active role in promoting the public policy issues and overall role MBA plays in the financial lending industry. I look forward to seeing you at the various events during this years convention and on the exhibit floor. I hope you enjoy your time in lovely San Diego.

Most Sincerely,

David G. Kittle, CMB


2009 Chairman Mortgage Bankers Association

chairmans message

You can rely on Freddie Mac for certainty and consistency. Were committed to working with you to ensure borrower success throughout the mortgage lifecycle. Its what you expect in a reliable partner.
FreddieMac.com

Freddie Mac is proud to play a leading role in the Making Home Affordable Program.

To learn more about our continued commitment to helping borrowers succeed as long-term homeowners, visit Freddie Macs Information Center in Convention Room 5A.

Schedule at-a-glance

schedule at-a-glance

schedule at-a-glance

schedule at-a-glance
Note: All events take place at the San Diego Convention Center unless otherwise noted.

MOnday, OctOber 12
7:30 a.m.8:30 a.m.

ServiCinG / reo ManaGeMent traCk

Saturday, OctOber 10
8:00 a.m.5:00 p.m.

New Member Breakfast (Closed)


Mezzanine LeveL, rooM 14b

The Obama Administrations Making Home Affordable Program


upper LeveL, rooM 10
teChnoloGy innovationS traCk

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

7:30 a.m.5:30 p.m.

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

New Strategies for Launching a Consumer Direct Lending Channel


upper LeveL, rooM 9

Sunday, OctOber 11
7:30 a.m.7:00 p.m.

8:00 a.m.8:30 a.m.

12:15 p.m.2:00 p.m.


tiCketed event

Continental Breakfast
upper LeveL, baLLrooM 6 Foyer

Chairmans Luncheon
upper LeveL, baLLrooM 6

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

8:30 a.m.10:30 a.m.


General SeSSion

2:00 p.m.2:30 p.m.

11:00 a.m.5:15 p.m.

Committee Meetings
(ScheduLe avaiLabLe at concierGe deSk)

Opening General Session and Annual Business Meeting


upper LeveL, baLLrooM 6

Refreshment Break in Expo 2009


Ground LeveL, exhibit haLL ab

2:15 p.m.3:30 p.m.


SeCond General SeSSion

4:00 p.m.6:00 p.m.

10:00 a.m.5:00 p.m.

Certified Mortgage Banker (CMB) Graduation and Networking Event


Mezzanine LeveL, rooM 14b

MORPAC Hospitality Suite (Members Only)


Mezzanine LeveL, rooM 13

Mortgage Industry Executives Outlook


upper LeveL, rooM 7ab

10:00 a.m.5:30 p.m.

3:45 p.m.5:00 p.m.


ConCurrent SeSSionS
BuSineSS SolutionS for reSidential lendinG traCk

5:00 p.m.7:00 p.m.

MBA Business Communications Center


Ground LeveL, exhibit haLL ab

Expo 2009 Grand Opening


Ground LeveL, exhibit haLL ab

10:00 a.m.5:30 p.m.

HVCC Update Outlook and Solutions for Lenders


upper LeveL, rooM 7ab
ProduCtion and SeCondary Market aCtivitieS traCk

5:00 p.m.7:00 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer

Opening Reception in Expo 2009: California Dreaming


Ground LeveL, exhibit haLL ab

10:00 a.m.5:30 p.m.

Preventing Buybacks with Compliance


upper LeveL, rooM 8
ServiCinG / reo ManaGeMent traCk

Expo 2009 Open


Ground LeveL, exhibit haLL ab

5:00 p.m.7:00 p.m.

MBA Business Communications Center


Ground LeveL, exhibit haLL ab

10:30 a.m.11:00 a.m.

Coffee Break in Expo 2009


Ground LeveL, exhibit haLL ab

Strategies for Managing Increased Loan Modification Volumes


upper LeveL, rooM 10
teChnoloGy innovationS traCk

5:00 p.m.7:00 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer

11:00 a.m.12:15 p.m.


ConCurrent SeSSionS
BuSineSS SolutionS for reSidential lendinG traCk

Using Technology to Achieve Transparency Between Investors and Servicers


upper LeveL, rooM 9

Legislative and Regulatory Outlook for Mortgage Banking


upper LeveL, rooM 7ab
ProduCtion and SeCondary Market aCtivitieS traCk

4:30 p.m.5:30 p.m.

Expo 2009 Reception: Fiesta Happy Hour


Ground LeveL, exhibit haLL ab

Doing More with Less Warehouse Funding


upper LeveL, rooM 8

5:00 p.m.6:00 p.m.

MORPAC Reception (Closed)


Mezzanine LeveL, rooM 14a

schedule at-a-glance
tueSday, OctOber 13
7:30 a.m.4:00 p.m.
ServiCinG / reo ManaGeMent traCk

3:00 p.m.5:30 p.m.

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

Navigating Legal Trends in the Servicing, Foreclosure and REO Arenas


upper LeveL, rooM 10
teChnoloGy innovationS traCk

RESBOG Meeting (Closed)


Mezzanine LeveL, rooM 14a

3:30 p.m.4:00 p.m.

8:00 a.m.8:30 a.m.

Technology Investment as a Profit Center


upper LeveL, rooM 9

Refreshment Break in Expo 2009


Ground LeveL, exhibit haLL ab

Continental Breakfast
upper LeveL, baLLrooM 6 Foyer

12:15 p.m.2:00 p.m.

7:00 p.m.11:00 p.m.


tiCketed event

8:30 a.m.10:30 a.m.


third General SeSSion

Member Appreciation Tailgate Luncheon in Expo 2009


Ground LeveL, exhibit haLL ab

Club MBA Dinner and Show


upper LeveL, baLLrooM 6

A Discussion with Industry Leaders


upper LeveL, baLLrooM 6

12:15 p.m.2:00 p.m.

10:00 a.m.4:00 p.m.

MORPAC Luncheon (Closed)


Marriott San dieGo hoteL & Marina, South tower LeveL 4, coronado

WedneSday, OctOber 14
8:30 a.m.9:00 a.m.

MORPAC Hospitality Suite (Members Only)


Mezzanine LeveL, rooM 13

Continental Breakfast
upper LeveL, baLLrooM 10 Foyer

10:00 a.m.4:00 p.m.

1:00 p.m.3:00 p.m.


exPo tailGate

MBA Business Communications Center


Ground LeveL, exhibit haLL ab

8:30 a.m.10:30 a.m.

Sports Meet and Greet


Featuring: Vinny Testaverde and Jack Youngblood
Ground LeveL, exhibit haLL ab

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

10:00 a.m.4:00 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer

9:00 a.m.10:30 a.m.


CloSinG General SeSSion

2:00 p.m.4:30 p.m.

10:00 a.m.4:00 p.m.

COMBOG Meeting (Closed)


Mezzanine LeveL, rooM 14b

Economic / Housing Outlook for 2009


upper LeveL, rooM 10

Expo 2009 Open


Ground LeveL, exhibit haLL ab

2:45 p.m.4:00 p.m.


ConCurrent SeSSionS
BuSineSS SolutionS for reSidential lendinG traCk

10:30 a.m.

10:30 a.m.11:00 a.m.

Coffee Break in Expo 2009


Ground LeveL, exhibit haLL ab

MBAs 96th Annual Convention & Expo 2009 Concludes

Shaping the Future Mortgage Sales Force


upper LeveL, rooM 7ab
ProduCtion and SeCondary Market aCtivitieS traCk

11:00 a.m.12:15 p.m.


ConCurrent SeSSionS
BuSineSS SolutionS for reSidential lendinG traCk

Measuring and Managing the Cost of Hedging


upper LeveL, rooM 8
ServiCinG / reo ManaGeMent traCk

Success Strategies for the Independent Mortgage Banker


upper LeveL, rooM 7ab
ProduCtion and SeCondary Market aCtivitieS traCk

Best Practices for Managing Loan Modification Logistics


upper LeveL, rooM 10
teChnoloGy innovationS traCk

Supporting the Secondary Market for Distressed Residential Mortgages


upper LeveL, rooM 8

eMortgage Adoption in the Face of Economic Crisis


upper LeveL, rooM 9

schedule at-a-glance

Save the Date


MBAs97thANNUAL
CONVENTION & EXPO
OCtOBEr 24 27 2010 AtlAntA
MBAs 97th Annual Convention & Expo 2010 is the largest gathering of residential real estate finance professionals. the convention provides endless opportunities for building new relationships and connecting with industry experts. Join MBa and other industry leaders at this premier event at the georgia conference center in atlanta, georgia, october 24-27, 2010. Stay tuned for details.

SponSorS

sponsors

sponsors
sponsors MBA thanks the sponsors of the 96th Annual Convention & Expo 2009 for their generous support.

MillenniuM

GOld

ClubMBA

Convention Junior Padfolios

Production and Secondary Market Activities Track

diaMOnd
Opening Reception: California Dreaming

Convention Badge Holders Technology Innovations Track

PlatinuM

Wall Street Journal Distribution

sponsors
Silver brOnze cOntributOr
sponsors
Convention Notepads Attendee Lists Relaxation Station

HOSt

Convention Pocket Guides

here
Visit us at booth #503.

ONE SOURCE. ad POWERFUL SOLUTIONS.

To optimize performance and remain competitive in a changing market, you need access to the best mortgage technology, data and services. LPS delivers all this plus decades of proven mortgage experience to help you manage capacity, reduce costs and minimize risk. The nations leading financial institutions rely on LPS comprehensive origination, servicing, default and risk management offerings. Combine that with our award-winning services and support, and you gain a strategic partner unsurpassed in strength, scope and expertise to sharpen your competitive edge and accelerate your business growth. Contact LPS today at 800.991.1274 to start leveraging one source for powerful end-to-end mortgage solutions.

LPS Your One Source for Powerful End-to-End Solutions:


Data and Analytics Portfolio Retention Servicing Technology Default Management Workflow, Process, Invoice and Document Management Due Diligence and Risk Management eClosing and Loan Modifications Origination Technology Flood and Tax Services Strategic Consulting Services Property Valuations and Settlement Services

Delivering Your Competitive Edge 800.991.1274 www.lpsvcs.com

convention inforMation

information

convention information
information Note: All events take place at the San Diego Convention Center unless otherwise noted.

Mba cOncierGe deSk


Ground LeveL, exhibit haLL ab Foyer

Mba PreSS rOOM


upper LeveL, rooM 4

Saturday, October 10

8:00 a.m.5:00 p.m. 7:30 a.m.7:00 p.m. 7:30 a.m.5:30 p.m. 7:30 a.m.4:00 p.m.

Sunday, October 11 Monday, October 12 Tuesday, October 13 Wednesday, October 14

12:00 p.m.5:00 p.m. 7:30 a.m.5:30 p.m. 7:30 a.m.4:00 p.m. 8:30 a.m.10:30 a.m.

Mba reGiStratiOn deSk and HOurS


Ground LeveL, exhibit haLL ab Foyer

Sunday, October 11 Monday, October 12 Tuesday, October 13

Only those registrants wearing the official MBA convention badge are admitted to the Opening Reception, Exhibit Hall Receptions, General Sessions, Education Tracks, Expo 2009, affiliate meeting rooms or other convention activities. Badge admittance is strictly enforced. Replacement of lost badges requires a picture ID. Saturday, October 10 Sunday, October 11 Monday, October 12 Tuesday, October 13 Wednesday, October 14 8:00 a.m.5:00 p.m. 7:30 a.m.7:00 p.m. 7:30 a.m.5:30 p.m. 7:30 a.m.4:00 p.m. 8:30 a.m.10:30 a.m.

Mba MeMberSHiP deSk


Ground LeveL, exhibit haLL ab Foyer

Sunday, October 11 Monday, October 12 Tuesday, October 13

7:00 a.m.7:00 p.m. 9:00 a.m.5:00 p.m. 8:30 a.m.2:00 p.m.

Mba cOnventiOn PHOtO Gallery


Ground LeveL, exhibit haLL ab Foyer

Monday, October 12 Tuesday, October 13 Wednesday, October 14

10:30 a.m.5:30 p.m. 10:30 a.m.-4:00 p.m. 8:30 a.m.10:30 a.m.

Mba cOnventiOn HOuSinG deSk


Ground LeveL, exhibit haLL ab Foyer

Please stop by the MBA Convention Housing Desk during the hours of operation if you require assistance with your housing needs. Saturday, October 10 Sunday, October 11 Monday, October 12 8:00 a.m.5:00 p.m. 9:00 a.m.5:00 p.m. 9:00 a.m.4:00 p.m.

Mba buSineSS cOMMunicatiOnS center


Ground LeveL, exhibit haLL ab

cancellatiOn, SubStitutiOn and refund POlicy


Cancellation and refund requests were due in writing by September 11. A $50 processing fee is charged for onsite substitutions and changes.

Complimentary to all attendees, this is an office away from the office. The business communications center provides you with the ability to keep your business running smoothly while you are away. You have access to computers and the Internet. Sunday, October 11 Monday, October 12 Tuesday, October 13 5:00 p.m.7:00 p.m. 10:00 a.m.5:30 p.m. 10:00 a.m.4:00 p.m.

Mba HeadquarterS
upper LeveL, rooM 2

Saturday, October 10 Sunday, October 11 Monday, October 12 Tuesday, October 13 Wednesday, October 14

8:00 a.m.5:00 p.m. 7:00 a.m.6:00 p.m. 7:00 a.m.6:00 p.m. 7:00 a.m.5:00 p.m. 8:00 a.m.10:30 a.m.

GueSt POlicy
All registrants are limited to one paid guest. A guest is defined as a spouse, significant other, friend or an adult child (18 and over) who is not in an industry-related occupation. Coworkers or associates in the industry may not use the guest registration category.

Mba relaxatiOn StatiOn


Ground LeveL, exhibit haLL ab Foyer

Take a break from convention activities and visit the Relaxation Station. Massage therapists take care of your aching shoulders and back in minutes. Sunday, October 11 Monday, October 12 Tuesday, October 13
SponSored By:

5:00 p.m.7:00 p.m. 10:00 a.m.5:30 p.m. 10:00 a.m.4:00 p.m.

12

convention information
exPO 2009
Ground LeveL , exhibit haLL ab

Sunday, October 11 Monday, October 12 Tuesday, October 13

5:00 p.m.7:00 p.m. 10:00 a.m.5:30 p.m. 10:00 a.m.4:00 p.m.

Mezzanine LeveL, rooM 13

Monday, October 12 Tuesday, October 13

10:00 a.m.5:00 p.m. 10:00 a.m.4:00 p.m.

Chairman David G. Kittle, CMB


Executive Vice President Vision Mortgage Capital, LLC a division of American Home Bank

San dieGO cOnventiOn center tideS luncH ServiceS


Ground LeveL, tideS

reMinderS
With the tremendous networking opportunities at the 96th Annual Convention & Expo, we recommend business attire. Please remember, smoking is not permitted at MBA sessions, events or in the Exhibit Hall. No audio or video taping of the program is allowed. As a courtesy to other attendees, please turn off cell phones and pagers when in session rooms. Please note that the convention sessions will not be recorded and that book and audio sales will not be available at this years convention.

The Tides Food and Beverage Outlet offers quick, convenient samples of San Diegos regional cuisines complete with made-to-order selections. Monday, October 12 Tuesday, October 13 11:00 a.m.3:00 p.m. 11:00 a.m.3:00 p.m.

Chairman-Elect Robert E. Story, Jr., CMB


President Seattle Financial Group

neW trackS fOr 2009


> BuSineSS SolutionS for reSidential lendinG traCk > ProduCtion and SeCondary Market aCtivitieS traCk
SponSored By:

Vice Chairman Michael D. Berman, CMB


President and Chief Executive Officer CWCapital

> ServiCinG / reo ManaGeMent traCk > teChnoloGy innovationS traCk


SponSored By:

Mark yOur calendarS

MBAS 97TH ANNUAL CONVENTION & EXPO 2010


OCTOBER 2427, 2010 in ATLANTA, GEORGIA

13

information

MOrPac HOSPitality Suite (MeMberS Only)

2009 Mba OfficerS

Increased Quality.

Strong Foundation.

Quality Relationships . Quality Delivery . Quality Experience

2009 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, Citi and Arc Design and Citi Never Sleeps are registered service marks of Citigroup Inc.

ticketed events

ticketed eventS

ticketed events
MOnday, OctOber 12
12:15 p.m.2:00 p.m.
tiCketed event

tueSday, OctOber 13
7:00 p.m.11:00 p.m.
tiCketed event

Chairmans Luncheon
upper LeveL, baLLrooM 6
Featured Speaker

Club MBA Dinner and Show


upper LeveL, baLLrooM 6
Special perFormance by

ticketed events

Robert Ballard Discoverer of the Titanic President and Founder Institute for Exploration at Mystic Aquarium

The Beach Boys

Enjoy the sunny vocal harmonies of one of Billboards Top 100 American rock bands The Beach Boys. Join us for Fun, Fun, Fun and Good Vibrations at this years Club MBA. Ticket Price: $199 / person, $1,990 / table Preferred seating is given to those who reserve an entire table.

Famous for finding the Titanic, Ballard is president and founder of the Institute for Exploration at Mystic Aquarium. Led by Ballard, this institute is focused on the development of a suite of remotely operated vehicles created specifically to conduct deep-water archaeological excavation. Ballard has conducted more than 100 deepsea expeditions during his career and is the recipient of numerous professional awards including the National Geographic Societys prestigious Hubbard Medal and the National Humanities Medal from the National Endowment for the Humanities. Ticket Price: $135 / person, $1,350 / table Preferred seating is given to those who reserve an entire table.

SponSored By:

16

Saturday/Sunday
OctOber 1011
saturday\ sunday

At Radian, were committed to helping people achieve and preserve their dream of homeownership. By leveraging a variety of distinctive products and services, we work diligently with our customers to make this dream a reality.

www.radian.biz
2009 Radian Guaranty Inc.

saturday/sunday, october 1011


Note: All events take place at the San Diego Convention Center unless otherwise noted.
5:00 p.m.7:00 p.m.

Expo 2009 Grand Opening


Ground LeveL, exhibit haLL ab

Saturday, OctOber 10
8:00 a.m.5:00 p.m.

5:00 p.m.7:00 p.m.

Opening Reception in Expo 2009: California Dreaming


Ground LeveL, exhibit haLL ab

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

Join MBA at this years opening reception for some California Dreaming. Get a taste of San Diego and sample the delights that the California coast has to offer.
SponSored By:

Sunday, OctOber 11
7:30 a.m.7:00 p.m.

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

5:00 p.m.7:00 p.m.


Ground LeveL, exhibit haLL ab

11:00 a.m.5:15 p.m.

Committee Meetings (Schedule available at Concierge Desk)


4:00 p.m.6:00 p.m.

5:00 p.m.7:00 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer
SponSored By:

Certified Mortgage Banker (CMB) Graduation and Networking Event


Mezzanine LeveL, rooM 14b

earn uP tO 21 cPe creditS by attendinG MbaS 96th annual cOnventiOn & exPO 2009
Earn up to 21 CPE Credits for your participation in MBAs 96th Annual Convention & Expo 2009. The convention is a basic, group live offering, with no prerequisite or advance preparation required.

Mortgage Bankers Association (MBA) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue, North, Suite 700, Nashville, TN, 37219-2417, www.nasba.org.

yOu can alSO earn 3 POintS tOWard yOur certified MOrtGaGe banker (cMb) deSiGnatiOn

19

saturday\ sunday

MBA Business Communications Center

Business Solutions for a Changing Landscape


Join First American at MBAs 96th Annual Convention Booth #211
Business Information & Analytics Outsourcing & Professional Services Mortgage Risk Mitigation & Fraud Prevention Title Insurance & Services Discover new technologies, trends, solutions and more to help you successfully navigate todays business landscape.

Learn about First Americans webinar and booth presentations online at www.rstam.com/2009mba

OctOber 12

Monday

monday

monday, october 12
Note: All events take place at the San Diego Convention Center unless otherwise noted.
7:30 a.m.8:30 a.m. 2010 MBA Chairman-Elect Michael D. Berman, CMB President and Chief Executive Officer CWCapital

New Member Breakfast (Closed)


Mezzanine LeveL, rooM 14b

7:30 a.m.5:30 p.m.

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

2010 MBA Vice Chairman Michael W. Young Chairman of the Board Cenlar FSB

8:00 a.m.8:30 a.m.

Continental Breakfast
upper LeveL, baLLrooM 6 Foyer

Featured SpeakerS

8:30 a.m.10:30 a.m.


General SeSSion

Paul Begala Political Analyst CNN

Opening General Session and Annual Business Meeting


upper LeveL, baLLrooM 6

MONDAY

welcome remarkS

John Courson President and Chief Executive Officer Mortgage Bankers Association
call to order and cHairmanS Farewell addreSS

From the White Houses Situation Room to CNNs news program of the same name, Paul Begalas experience gives him an unmatched perspective on politics and the media. As a political strategist or pundit, Begala has been at the center of every election cycle of the last 20 years.
Tucker Carlson Journalist and Political Commentator Fox News Channel

2009 MBA Chairman David G. Kittle, CMB Executive Vice President Vision Mortgage Capital, LLC a division of American Home Bank

Tucker Carlson is a veteran journalist and political commentator, currently working for the Fox News Channel. Carlson joined Fox from MSNBC, where he hosted several nightly programs. Previously, he was the co-host of Crossfire on CNN, where he was the youngest anchor in the history of that network. During the same period, Carlson also hosted a weekly public affairs program on PBS.

annual buSineSS meeting and Swearing-in

John M. Robbins, CMB 2007 MBA Chairman Founder, American Mortgage Network and American Residential Mortgage
mba cHairmanS addreSS

2010 MBA Chairman Robert E. Story, Jr., CMB President Seattle Financial Group

22

monday, october 12
10:00 a.m.5:00 p.m. 11:00 a.m.12:15 p.m.
ConCurrent SeSSionS
> BuSineSS SolutionS for reSidential lendinG traCk

MORPAC Hospitality Suite (Members Only)


Mezzanine LeveL, rooM 13

Legislative and Regulatory Outlook for Mortgage Banking


upper LeveL, rooM 7ab

10:00 a.m.5:30 p.m.

MBA Business Communications Center


Ground LeveL, exhibit haLL ab

10:00 a.m.5:30 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer
SponSored By:

The mortgage industry is in the midst of a major transformation, and the outcomes of that transformation will be shaped largely by changes in public policy. Whether its changes to RESPA, TILA, FHA standards, bankruptcy law, the creation of a new consumer financial regulator, or the future structure of government involvement in the secondary market, todays policy debates matter more than ever. Join our panel of experts for the latest on developments in Washington and state capitals.
moderator

10:00 a.m.5:30 p.m.

Expo 2009 Open


Ground LeveL, exhibit haLL ab

Steve OConnor Senior Vice President, Government Affairs Mortgage Bankers Association
SpeakerS

10:30 a.m.11:00 a.m.

Ground LeveL, exhibit haLL ab

Jack Konyk Senior Vice President, Public and Government Affairs National City Mortgage Paul Mondor Senior Attorney, Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System

23

MONDAY

Coffee Break in Expo 2009

Margaret Burns Director, Office of Single Family Program Development U.S. Department of Housing and Urban Development

monday, october 12
11:00 a.m.12:15 p.m. (continued)
> ProduCtion and SeCondary Market aCtivitieS traCk > ServiCinG / reo ManaGeMent traCk

Doing More With Less Warehouse Funding


upper LeveL, rooM 8

The Obama Administrations Making Home Affordable Program


upper LeveL, rooM 10

More lenders are fighting for a share of the shrinking warehouse lending market. What was once a $250 billion market is now less than one tenth that amount. This panel of mortgage innovators and mortgage bankers will discuss how lenders can continue to originate loans, despite the availability of warehouse funding.
SponSored By:

Join us for a discussion of the Obama Administrations guidelines for the Making Home Affordable modification program. Panelists will explore the effectiveness of the program, early challenges and bottlenecks and new cooperative efforts that provide additional resources and expertise on loan modifications.
moderator

David A. Hurt Senior Vice President, Business Development First American CoreLogic
SpeakerS

moderator

Rob Katz President Del Mar DataTrac


SpeakerS

John M. Jelavich Vice President, Homeownership Preservation Initiatives PMI Mortgage Insurance Company Laurie Anne Maggiano Director of Policy, Office of Homeownership Preservation U.S. Department of Treasury Douglas Potolsky Senior Vice President, Capital Markets Chase Home Lending Eric Schuppenhauer Senior Vice President, Chief Financial Officer / Program Executive, HASP Fannie Mae

MONDAY

Michael Grego Chief Operating Officer 1st Advantage Mortgage Lawrence O. Huff Co-Chief Executive Officer Optimal Blue, LLC Ken D. Logan, CMB Director, Residential Mortgage and Consumer Group Wells Fargo Securities Matthew Pineda President Castle & Cook Mortgage, LLC

24

monday, october 12
> teChnoloGy innovationS traCk

12:15 p.m.2:00 p.m.


tiCketed event

New Strategies for Launching a Consumer Direct Lending Channel


upper LeveL, rooM 9

Chairmans Luncheon
upper LeveL, baLLrooM 6
Featured Speaker

The way the mortgage process interfaces with borrowers is changing. Many lenders have transitioned to, or added more resources to, a growing retail lending strategy. In addition, lenders are also looking for ways to connect with and engage borrowers in an easy, trustworthy fashion that does not require additional staff resources. This session explores the emerging consumer direct mortgage lending trend; how lenders are starting an efficient, effective consumer direct lending channel, and the business perspective, processes and technology required to do it.
SponSored By:

Robert Ballard Discoverer of the Titanic President and Founder Institute for Exploration at Mystic Aquarium

moderator

Anthony Garritano Editor Mortgage Technology Magazine


SpeakerS

Famous for finding the Titanic, Ballard is president and founder of the Institute for Exploration at Mystic Aquarium. Led by Ballard, this institute is focused on the development of a suite of remotely operated vehicles created specifically to conduct deep-water archaeological excavation. Ballard has conducted more than 100 deepsea expeditions during his career and is the recipient of numerous professional awards including the National Geographic Societys prestigious Hubbard Medal and the National Humanities Medal from the National Endowment for the Humanities. Ticket Price: $135 / person, $1,350 / table Preferred seating is given to those who reserve an entire table.
2:00 p.m.2:30 p.m.

David P. Colwell Executive Vice President Loan-Score Decisioning Systems Joseph Dahleen Vice President and Chief Strategy Officer Brightgreen Home Loan, Inc. G. Shay Tengan Vice President of Business Development Helm Analytics

Refreshment Break in Expo 2009


Ground LeveL, exhibit haLL ab

25

MONDAY

Cary Burch Chief Executive Officer Lender Support Systems Inc.

monday, october 12
2:15 p.m.3:30 p.m.
SeCond General SeSSion

3:45 p.m.5:00 p.m.


ConCurrent SeSSionS
> BuSineSS SolutionS for reSidential lendinG traCk

Mortgage Industry Executives Outlook


upper LeveL, rooM 7ab

HVCC Update Outlook and Solutions for Lenders


upper LeveL, rooM 7ab

Join top executives from Fannie Mae, Freddie Mac, HUD and the Federal Home Loan Bank of San Francisco as they discuss how the changing business landscape is affecting your business and the industry. Discover how changing borrower demographics, new products, lower origination volumes and new technologies are altering the roles of mortgage market investors.
moderator

The recently updated, 2009 Home Valuation Code of Conduct, will bring about vast changes to the way lenders and appraisers do business. Hear from industry experts on the potential business and financial impact; and how new quality control requirements and reporting responsibilities will impact lenders, brokers and appraisers.
moderator

Michael D. Berman, CMB 2010 MBA Chairman-Elect President and Chief Executive Officer CWCapital
Speaker

Thomas A. Duncan Executive Vice President Quality Mortgage Services, LLC


SpeakerS

Edward J. DeMarco Acting Director Federal Housing Finance Agency

Ezzard Alves Director, Credit Risk Fannie Mae Marko Berishaj, CMB, AMP Vice President Dart Appraisal.com Kathy Coon, CRU, SRA Chief Appraiser, Director FNC, Inc. Bill Dyson National Operations, Wholesale Lending CitiMortgage, Inc. Patricia McLung Vice President, Offerings Management Freddie Mac

MONDAY

Charles E. Haldeman, Jr. Chief Executive Officer Freddie Mac

Dean Schultz President and Chief Executive Officer Federal Home Loan Bank of San Francisco

David H. Stevens Assistant Secretary for Housing, Federal Housing Commissioner U.S. Department of Housing and Urban Development (HUD)

Michael J. Williams President and Chief Executive Officer Fannie Mae

26

monday, october 12
> ProduCtion and SeCondary Market aCtivitieS traCk > ServiCinG / reo ManaGeMent traCk

Preventing Buybacks with Compliance


upper LeveL, rooM 8

Strategies for Managing Increased Loan Modification Volumes


upper LeveL, rooM 10

Compliance has traditionally been associated with loan origination, but the current state of the market has investors putting pressure on lenders to ensure that loans comply with all predatory lending regulations. This session explores compliance strategies for both lenders and investors. Learn more about how the proper use of compliance tools reduces buybacks increasing business and maximizing profits; while making it easier for investors to sell loans and validate quality control.
SponSored By:

According to a 2008 report on negative home equity, 8.3 million borrowers are currently underwater on their mortgages. In this session, industry experts provide insight on how to successfully manage the growing number of loan modifications. Learn more about how lenders and servicers can improve the loan workout process and successfully execute loan modifications.
moderator

Cheryl Lang President and Chief Executive Officer Integrated Mortgage Solutions
SpeakerS

moderator

Leonard Ryan President QuestSoft Corporation


SpeakerS

Ingrid Beckles Senior Vice President, Default Asset Management Freddie Mac Robert W. Meachum Executive Vice President Saxon Mortgage, Inc. Jacqui M. Peace Senior Vice President, Portfolio Management and Default Services Genworth Mortgage Insurance Dan Reiman Partner Newbold Advisors

Rob Katz President Del Mar DataTrac

27

MONDAY

Greg Ellis Senior Business Consultant ISGN

monday, october 12
3:45 p.m.5:00 p.m. (continued)
> teChnoloGy innovationS traCk

4:30 p.m.5:30 p.m.

Using Technology to Achieve Transparency Between Investors and Servicers


upper LeveL, rooM 9

Expo 2009 Reception: Fiesta Happy Hour


Ground LeveL, exhibit haLL ab

The mortgage industry is experiencing a greater need for transparency between investors and servicers. Investors need to know how to drive strategy and monitor results. Learn more about the latest technologies that provide a cock pit view of your portfolio and provide the tools or levers to drive an effective strategy.
SponSored By:

Network with conference attendees at MBAs Fiesta Happy Hour Reception. Mix and mingle with industry leaders and experts as you enjoy the light atmosphere of our favorite time of day Happy Hour.
5:00 p.m.6:00 p.m.

MORPAC Reception (Closed)


Mezzanine LeveL, rooM 14a
moderator

Jill Parker Managing Director xplair Technology, LLC


SpeakerS

MONDAY

Louis Amaya Chief Investment Officer and Chief Operating Officer National Asset Direct Richard Cimino Chief Executive Officer iServe Servicing Inc. Jeff Crawford Director, Asset Management Carval Investors

28

CampusMBA, the education division of the Mortgage Bankers Association (MBA), is pleased to announce that it is now a Nationwide Mortgage Licensing System (NMLS) approved training provider (Provider ID 1400036). Visit CampusMBAs SAFE Act Central at www.campusmba.org/SAFE or visit us at Booth #223 to view a list of approved courses and to learn more about new requirements for loan originators. For Your Staff: Most CampusMBA programs, including all approved SAFE Act training, can be offered privately at your location or online for your staff at your convenience. For more information visit campusmba.org/SAFE or call (800) 793-6222 (select option 3).

www.campusmba.org/SAFE

9528

E d u cAt i o n F r o m t h E m o r tg Ag E B A n k E r S A S S o c i At i o n

CampusMBA is an NMLS Approved Training Provider

Going up?

Todays shifting demands require a partner who shares your goals with the proven expertise

to help you reach them. For more than 16,000 clients worldwide, Fiserv is transforming the way nancial services are delivered. Helping turn possibilities into realities. With Fiserv, you have the power to go places. The power within. www.newfiserv.com

Pay men t s

Proces sing Ser v ices

R isk & C ompliance

Cus t omer & C hannel Managemen t

Busines s In t elligence & Op t imiza t ion

2009 Fiserv, Inc. or its afliates.

OctOber 13

tueSday

tuesday

tuesday, october 13
Note: All events take place at the San Diego Convention Center unless otherwise noted.
7:30 a.m.4:00 p.m.
SpeakerS

Daniel G. Crockett President, Chief Executive Officer and Chairman Franklin American Mortgage Company Barbara Desoer President Bank of America Home Loans and Insurance

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

8:00 a.m.8:30 a.m.

Continental Breakfast
upper LeveL, baLLrooM 6 Foyer

8:30 a.m.10:30 a.m.


third General SeSSion

David B. Lowman Chief Executive Officer Chase Home Lending

A Discussion with Industry Leaders


upper LeveL, baLLrooM 6

Join our discussion on timely and up-to-the-minute issues and concerns that are impacting the real estate finance industry. This years Third General Session, moderated by John Courson, MBA President and CEO, features mortgage industry leaders who are engaged in the origination, funding and servicing of loans. Hear our featured speakers discuss how their successful business practices and strategies affected their bottom line during the economic downturn. Gain insight on critical issues that you are likely to face on a daily basis and walk away with practical and valuable information that you can apply to your business.
moderator

Debra W. Still, CMB President and Chief Executive Officer Pulte Mortgage LLC

10:00 a.m.4:00 p.m.

MORPAC Hospitality Suite (Members Only)


Mezzanine LeveL, rooM 13

TUESDAY

John Courson President and Chief Executive Officer Mortgage Bankers Association

10:00 a.m.4:00 p.m.

MBA Business Communications Center


Ground LeveL, exhibit haLL ab

10:00 a.m.4:00 p.m.

MBA Relaxation Station


Ground LeveL, exhibit haLL ab Foyer
SponSored By:

32

tuesday, october 13
10:00 a.m.4:00 a.m.
> ProduCtion and SeCondary Market aCtivitieS traCk

Expo 2009 Open


Ground LeveL, exhibit haLL ab

Supporting the Secondary Market for Distressed Residential Mortgages


upper LeveL, rooM 8

10:30 a.m.11:00 a.m.

Coffee Break in Expo 2009


Ground LeveL, exhibit haLL ab

11:00 a.m.12:15 p.m.


ConCurrent SeSSionS
> BuSineSS SolutionS for reSidential lendinG traCk

What are the infrastructures and servicing requirements necessary to support a thriving secondary market? This session explores the new investors entering this space, the issues and risks associated and new opportunities to offer a variety of mortgage related services. Panelists will discuss GSE underwriting and reporting standards and the process by which mortgages are to be bought and sold.
SponSored By:

Success Strategies for the Independent Mortgage Banker


upper LeveL, rooM 7ab

Despite the current environment of consolidation and bank-owned lenders, there is still a role for the independent mortgage banker. This panel will discuss the various opportunities and challenges that face independent lenders, from warehouse financing and access to capital, to the opportunity to recruit and hire great talent from larger bank-owned lenders. Learn more about product niches and the strategic advantages these lenders have versus their larger competitors.
moderator

moderator

Patrick Tadie Executive Vice President, Global Structured Finance Group, Global Corporate Trust Division BNY Mellon
SpeakerS

David L. Lykken Managing Partner, President of Mortgage Strategies Mortgage Banking Solutions
SpeakerS

Brien W. Hampton Senior Vice President Redbrick Partners, LLC Stephen F.J. Ornstein Partner Sonnenschein, Nath & Rosenthal, LLP

Craig S. Focardi, CMB Senior Research Director TowerGroup Timothy C. Stern President Lenders One

33

TUESDAY

Scott M. Cooley President Cooley Consulting, LLC

Jeffrey C. Taylor Co-Founder Digital Risk, LLC

tuesday, october 13
11:00 a.m.12:15 p.m. (continued)
> ServiCinG / reo ManaGeMent traCk > teChnoloGy innovationS traCk

Navigating Legal Trends in the Servicing, Foreclosure and REO Arenas


upper LeveL, rooM 10

Technology Investment as a Profit Center


upper LeveL, rooM 9

Our panel of experienced attorneys and mortgage professionals discuss the past years legal trends in the servicing, foreclosure and REO arenas. The discussion will include legal trends and a review of recent case law; solutions to avoid litigation; a discussion of when it is time to say no to loss mitigation and move on with court relief; and methods to minimize negative, pre-conceived opinion of judges or perspective jurors.
moderator

Can technology be the solution to increasing your profit margins? In this environment, lenders are more than ever focusing on doing more with less. Executives are measuring anything and everything to cut costs and increase profitability. Hear industry experts discuss how they have leveraged new best practices, technologies and processes to increase profitability by incorporating scorecards and implementing data integrity checks. These technologies mitigate risk and increase the overall quality of their loans.
SponSored By:

Linda S. Finley Shareholder Baker, Donelson, Bearman, Caldwell & Berkowitz, P.C.
SpeakerS

moderator

Gabe Minton Chief Strategy Officer Motivity Solutions


SpeakerS

Robert T. Finlay Partner Wright, Finlay & Zak, LLP William A. (Mac) McBride Vice President, Head of Litigation Ocwen Financial Corporation Caroline Reaves President and Chief Operations Officer Mortgage Contracting Services, LLC

Chris Burckhardt Senior Vice President and Chief Information Officer Pulte Mortgage, LLC Gregory Smith Vice President and General Manager Xerox Mortgage Services Julie Vazquez Chief Information Officer Paramount Residential Mortgage Group

TUESDAY

34

tuesday, october 13
12:15 p.m.2:00 p.m. 2:45 p.m.4:00 p.m.
ConCurrent SeSSionS
> BuSineSS SolutionS for reSidential lendinG traCk

MORPAC Luncheon (Closed)


Marriott San dieGo hoteL & Marina, South tower LeveL 4, coronado

Shaping the Future Mortgage Sales Force


upper LeveL, rooM 7ab

12:15 p.m.2:00 p.m.

Member Appreciation Tailgate Luncheon in Expo 2009


Ground LeveL, exhibit haLL ab

1:00 p.m.3:00 p.m.

Expo Tailgate: Sports Meet and Greet


Ground LeveL, exhibit haLL ab
Featuring

With increased pressure to increase loan volumes, sales organizations are seeking ways to restructure loan officer and account representative positions, and adjust responsibilities and compensation plans to meet the new market conditions. Our panel of industry leaders will discuss strategies for revamping your sales team and share their views on how mortgage originators and sales organizations will be shaped by the changes in the industry.
moderator

Vinny Testaverde and Jack Youngblood

Pre-game tailgating has become an all-American ritual. Join MBA at one of the conventions most anticipated annual activities as we thank our members for their continued support and participation. This years tailgate party brings you and other attendees together to meet NFL greats Vinny Testaverde, two-time Pro Bowl quarterback, and Jack Youngblood, pro football Hall of Famer. A special autograph session will take place from 1:00 p.m. to 3:00 p.m.
2:00 p.m.4:30 p.m.

Patricia M. Sherlock President QFS Consulting


SpeakerS

Mike Jablonski Senior Vice President BB&T Greg Lutin Executive Vice President, Sales Flagstar Bank, FSB

COMBOG Meeting (Closed)


Mezzanine LeveL, rooM 14b

35

TUESDAY

Andrew Taylor Executive Vice President, Sales Franklin American Mortgage Company

tuesday, october 13
2:45 p.m.4:00 p.m. (continued)
> ProduCtion and SeCondary Market aCtivitieS traCk > ServiCinG / reo ManaGeMent traCk

Measuring and Managing the Cost of Hedging


upper LeveL, rooM 8

Best Practices for Managing Loan Modification Logistics


upper LeveL, rooM 10

Being able to track the cost of hedging is critical to effective mortgage pipeline risk management and the ability to mitigate and prevent financial losses. This session explores why the cost of hedging is not a fixed cost, why it fluctuates and how to identify the challenges in correctly isolating the cost of hedging statistic. Receive more information on how to fine tune hedging activities or decide between best efforts or mandatory commitment executions and more.
SponSored By:

Learn more about best practices in handling compliance and process issues for loan modifications. Key issues to be addressed include: obtaining triple proof of owner occupancy; collecting borrower demographic data when full disclosure is in question; tracking credit bureau reports, AVMs, tax returns and other documents; managing document retention; manual entry into Fannie Maes HSSN network and extended trial plans; and other logistics related to processing loan modifications.
moderator

Greg Fontenot Assistant Vice President, Default Products Fiserv


SpeakerS

moderator

Theodore W. Thomas President Thomas and Associates


SpeakerS

James J. Cotton Vice President, MHA Compliance, Program Oversight Freddie Mac Jerry McCoy Vice President, Business Development Fannie Mae Faith Schwartz Executive Director HOPE NOW Alliance James M. Shackelford Director, Marketing and Communications Housing Wire

Gregory L. Crosby Director, PowerSeller Business Unit Associated Software Consultants Peter Taglia Vice President FTN Financial

TUESDAY

36

tuesday, october 13
> teChnoloGy innovationS traCk

3:00 p.m.5:30 p.m.

eMortgage Adoption in the Face of Economic Crisis


upper LeveL, rooM 9

RESBOG Meeting (Closed)


Mezzanine LeveL, rooM 14a

While many expected eMortgage adoption to halt or slow in the face of the current economic crisis, the opposite is in fact happening. Recent changes in the mortgage industry has made lenders rethink their timeline for electronic mortgage adoption as institutions seek to provide greater transparency and further cost reductions. Some of the countrys largest lenders are embracing eMortgages, and FHA has embraced MISMOs electronic lending standards. This panel of industry experts will provide realworld examples of how eMortgage adoption is gaining traction in the industry.
SponSored By:

3:30 p.m.4:00 p.m.

Refreshment Break in Expo 2009


Ground LeveL, exhibit haLL ab

7:00 p.m.11:00 p.m.


tiCketed event

Club MBA Dinner and Show


upper LeveL, baLLrooM 6
Special perFormance by

The Beach Boys

moderator

Anthony Garritano Editor Mortgage Technology Magazine


SpeakerS

Enjoy the sunny vocal harmonies of one of Billboards Top 100 American rock bands The Beach Boys. Join us for Fun, Fun, Fun and Good Vibrations at this years Club MBA. Ticket Price: $199 / person, $1,990 / table Preferred seating is given to those who reserve an entire table.

Andrew Dubinsky Chief Executive Officer Encomia Robin Lamb Hannah Vice President, Correspondent eBusiness Wells Fargo Home Mortgage Dan Jones Vice President, Information Technology Churchill Mortgage Corporation

SponSored By:

37

TUESDAY

REVENUE, COST AND VOLUME STATISTICS FOR NON-DEPOSITORY INSTITUTIONS

QUARTERLY DATA BOOK

COMMERCIAL REAL ESTATE / MULTIFAMILY FINANCE

NATIONAL DELINQUENCY SURVEY

ANNUAL MORTGAGE BANKERS PERFORMANCE REPORT

FROM THE MORTGAGE BANKERS ASSOCIATION

2008 Data

Q209

Q2 2009

Data as of June 30, 2009

2009 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are from a proprietary paid subscription service of MBA and are provided to the media as a courtesy, solely for use as background reference. No part of the data may be reproduced, stored in a retrieval system, transmitted or redistributed in any form or by any means, including electronic, mechanical, photocopying, recording or otherwise. Permission is granted to news media to reproduce limited data in text articles. Data may not be reproduced in tabular or graphical form without MBAs prior written consent.

INFORMATION THAT YOU NEED AND TRUST


FROM MBA RESEARCH AND ECONOMICS
The Research and Economics group of the Mortgage Bankers Association is the most highly respected and trusted voice within the real estate nance industry. This group tracks a multi-trillion dollar industry through analyzing and producing forecasts, commentaries, special reports, issue papers and much more. Economists, legislators, the general public and MBA members are presented with some of the most critical measurements of our industry on an ongoing basis.

WWW.MORTGAGEBANKERS.ORG/RESEARCH

For more information visit www.mortgagebankers.org/research or call (202) 557-2830.


9522

WedneSday
OctOber 14

wednesday

wednesday, october 14
Note: All events take place at the San Diego Convention Center unless otherwise noted.
8:30 a.m.9:00 a.m. 9:00 am - 10:30 am
CloSinG General SeSSion

Economic / Housing Outlook for 2009


upper LeveL, rooM 10
welcoming remarkS

Continental Breakfast
upper LeveL, baLLrooM 10 Foyer

8:30 a.m.10:30 a.m.

MBA Convention Registration


Ground LeveL, exhibit haLL ab Foyer

Michael W. Young 2010 MBA Vice Chairman Chairman of the Board Cenlar FSB
Featured Speaker

Jay Brinkmann, Ph.D. Chief Economist and Senior Vice President, Research and Economics Mortgage Bankers Association

Jay Brinkmann, MBAs Chief Economist and other industry analysts talk about the status of the economy and the direction of the mortgage industry. This session provides attendees an opportunity to understand the various forces that impact the dynamics of the market and what it all might mean as they develop their business plans for 2010.
10:30 a.m.

MBAs 96th Annual Convention & Expo 2009 Concludes

WEDNESDAY

See yOu next year

MBAS 97TH ANNUAL CONVENTION & EXPO 2010


OCTOBER 2427, 2010 in ATLANTA, GEORGIA

40

Anytime. Anyplace. Anywhere.


Access
for the reAl ind ustrys estAte premier mAgAzine online. finAnce

Mortgage Banking magazine understands that our readers rely on the news and information we publish every month to help them succeed. Whether in the office or on the road, we believe our readers should have the latest issues at their fingertips. Thats why, in October 2009, Mortgage Banking will proudly launch the digital edition of our publication. Subscribers can access the full version of the months issue online, 24 hours a day / 7 days a week. Thats all the news and information youve come to expect from our magazine online. Visit the MBA booth (#223), and be among the first to view Mortgage Bankings digital edition. For more information on Mortgage Banking magazine, including how to subscribe, visit www.mortgagebanking magazine.com.
The digital edition of Mortgage Banking magazine is sponsored by:

9507

3.0mi
6.7mi
5

12 45 36 5 5 50

36

8.9mi 0h08m
5

50 12

10

45

36 45

I-5/GOLDEN STATE HWY Economic downturns


During the transition, let MBA help you and your business VIEW navigate the right course and discover new opportunities.

always lEad to upturns

WG / NAVIGATION a Gps navigation system. While youre there, learn more about education and training, research and market
DVD MULTIMEDIA information, and other product offerings that can help put you on the road to success. data, news and AV NAVIGATION SERVER
stop by to sEE what mba has in storE for you. MBA Booth #223 CampusMBA Booth #218 MORPAC Booth #216

Visit MBAs products and services booths at the 96th Annual Convention & Expo 2009 and enter to win

GITAL

VOL /AT T

MP3
OFF
SRC
9516

S AT RADIO READY

Navigati on
REAR ON ENT REAR PIC ADJ WIDE

SUPER - THUNDER

ANGL E

_ +

BAND

EQ

expo 2009

expo 2009

expo 2009
This years exhibitor directory includes leading-edge companies that provide products and services that you can use to take your business to the next level. Visit the exhibit hall, participate in the exchange of ideas, take part in the interactive demonstrations and learn about the latest tools and applications you can use to stay competitive. Exhibitors can offer solutions to your business challenges.

SPecial eventS in tHe exHibit Hall


SUNDAY, OCTOBER 11
5:00 p.m.7:00 p.m.

1:00 p.m.3:00 p.m.

Expo Tailgate Sports Meet and Greet


Pre-game tailgating has become an allAmerican ritual. Join MBA at one of the conventions most anticipated annual activities as we thank our members for their continued support and participation. This years tailgate party brings you and other attendees together to meet NFL greats Vinny Testaverde, two-time Pro Bowl quarterback, and Jack Youngblood, pro football Hall of Famer. A special autograph session will take place from 1:00 p.m. to 3:00 p.m.
3:30 p.m.4:00 p.m.

Expo 2009 Grand Opening


5:00 p.m.7:00 p.m.

exHibit Hall HOurS


Ground LeveL , exhibit haLL ab

Opening Reception: California Dreaming


5:00 p.m.7:00 p.m. Join MBA at this years opening reception for some California Dreaming. Get a taste of San Diego and sample the delights that the California coast has to offer.

Sunday, October 11 Monday, October 12 Tuesday, October 13

10:00 a.m.5:30 p.m. 10:00 a.m.4:00 p.m.

MONDAY, OCTOBER 12
10:30 a.m.11:00 a.m.

Mba buSineSS cOMMunicatiOnS center


Ground LeveL, exhibit haLL ab

Coffee Break in Expo 2009


2:00 p.m.2:30 p.m.

Refreshment Break in Expo 2009

Complimentary to all attendees, this is an office away from the office. The business communications center provides you with the ability to keep your business running smoothly while you are away. You have access to computers and the Internet. Sunday, October 11 Monday, October 12 Tuesday, October 13 5:00 p.m.7:00 p.m. 10:00 a.m5:30 p.m. 10:00 a.m.4:00 p.m.

Refreshment Break in Expo 2009


4:30 p.m.5:30 p.m.

exPO 2009 PaSSeS


Passes to Expo 2009 are available to nonregistered individuals and may only be used for admission on Tuesday, October, 13, from 10:00 a.m.4:00 p.m. Passes may be purchased for $400 (MBA members) and $600 (nonmembers) at the MBA Registration Desk.

Expo 2009 Reception: Fiesta Happy Hour


Network with conference attendees at MBAs Fiesta Happy Hour Reception. Mix and mingle with industry leaders and experts as you enjoy the light atmosphere of our favorite time of day Happy Hour.

exHibit Hall MaP


Please see page 45 of the program to find a map of the exhibit hall, located in the San Diego Convention Center. Passes are nonrefundable. Note: An alphabetical listing of exhibitors starts on page 46, which contains booth numbers, company names, city / state, telephone and fax numbers, Web addresses, products / services and a brief description of each companys offerings (if provided). A cross-reference of exhibitors by product / service categories begins on page 64.

Mba relaxatiOn StatiOn


Ground LeveL, exhibit haLL ab Foyer

TUESDAY, OCTOBER 13
10:30 a.m.11:00 a.m.

Take a break from convention activities and visit the Relaxation Station. Massage therapists take care of your aching shoulders and back in minutes. Sunday, October 11 EXPO 2009 Monday, October 12 Tuesday, October 13
SponSored By:

Coffee Break in Expo 2009


12:15 p.m.2:00 p.m.

5:00 p.m.7:00 p.m. 10:00 a.m.5:30 p.m. 10:00 a.m.4:00 p.m.

Expo 2009: Member Appreciation Tailgate Luncheon

44

expo 2009
San dieGO cOnventiOn center | ground level, exhiBit hall a, B1

342 340 839 837 835 833 831 829 827 825 823 821 828 826 824 822 729 727 725 723 726 724 722 629 627 625 623 628 626 527 525 622 523 528 526 427 524 425 522 423 428 329 426 327 424 325 422 323

243 241 138

LOUNGE

336 237 334 235 332 233

230

137 135

136 134 132 130

126

133

328 229 326 324 322 223

222

129 127 125 123

128 126 124 122 120

MBA 220 BOOTHS 218


216

817

BUSINESS COMMUNICATIONS CENTER

619 716 617

618 616 517

518 516 417

418 416 317 316

219 217 210

119 117

118 116

812 810 809 807 805 803 806 804 802 703 707 704 702 607 605 603 711 611

612 610

513 511

412 410

313 311 211


20 20 30 0 2 10 2

10 0

504 503 502 403

305
30 30 40 1 0 2

30

900

801

800 701

700

601

600 501

500

MBA REGISTRATION HALL A LOBBY

MAIN ENTRANCE HALL A

45

EXPO 2009

expo 2009
exhibitors as of 9/1/09

BOOTH: 618

BOOTH: 812

aerotek professional services


Hanover, Md. PHONE: 410-694-5483 FAX: (410) 694-5049 www.aerotek.com Strategic Staffing aerotek professional services specializes in mortgage banking recruiting and staffing. through our international network of industry-specific recruiters, we provide customized recruiting solutions to find the perfect fit for your company. every time.

aboutyourmortgage.com llc
Saint Petersburg, Fla. PHONE: (239) 571-5440 FAX: (877) 628-6558 www.AboutYourMortgage.com Consultants aboutyourmortgage.com a comprehensive customer retention program for mortgage servicers. our directed call overflow center and customized retention process triages customers, delivering them to a servicers designated team or counselor.

BOOTH: 616

acs
Dallas, Texas PHONE: (214) 818-3832 FAX: (509) 756-6060 www.acs-inc.com Consultants, Document Management / Workflow Systems, Electronic Document Delivery, Mortgage Technology Products / Services, Outsource Specialists, Release / Assignment Services

BOOTH: 401

BOOTH: 226

allregs
Eagan, Minn. PHONE: (800) 848-4904 FAX: (651) 686-0906 www.allregs.com Education / Training, Mortgage Technology Products / Services, Publishers allregs, the leading information provider in the mortgage industry, offers searchable online guidelines; state and federal compliance laws, regulations, checklists and matrices; policy and procedure manuals; custom publishing and allregs academy.

aci
Palm Coast, Fla. PHONE: (800) 234-8727 FAX: (386) 246-3811 www.aciweb.com Appraisal Systems / Services, Business Forms / Automated Solutions, Document Management / Workflow Systems, Electronic Document Delivery, Fraud Detection Services, Internet Services / Technology Products, Risk Management Data / Services / Systems aci is a recognized pioneer in crafting technology for lenders and appraisal companies. from connecting appraisers to streamlining quality control, aci provides a mechanism for processing appraisals and managing exceptions in a consistent manner.

BOOTH: 500

adfitech, inc.
Edmond, OK PHONE: (800) 880-0456 FAX: (405) 715-8001 www.adfitech.com Due Diligence, Fraud Detection Services, Outsource Specialists, Quality Assurance / Contract Services Quality Assurance, Due Diligence, Fraud Investigation, Outsource Specialists, Post Closing Services

BOOTH: 526

advantage systems, inc.


Irvine, Calif. PHONE: (949) 250-0260 FAX: (949) 250-0263 www.mortgageaccounting.com Accounting / Finance Systems accounting for mortgage Bankers (amB) is a full-featured accounting system designed specifically for mortgage banking. amB also provides integrated web based branch reporting, commission calculation, imaging, analytics, and flexible financial analysis.

EXPO 2009

46

expo 2009
BOOTH: 800

appraiserloft
San Diego, Calif. PHONE: (877) 229-7799 FAX: (877) 797-0280 www.appraiserloft.com Appraisal Systems / Services appraiserloft is a nationwide real estate appraisal management company providing valuation services targeted towards the mortgage lending, servicing, and insurance industries. headquartered in san diego, calif., appraiserloft assists clients in streamlining their appraisal operations.

BOOTH: 326

BOOTH: 311

american mortgage field services


Brooksville, Fla. PHONE: (352) 610-4327 FAX: (352) 686-0864 Default Services, Field Inspection / Property Preservation, Foreclosure / Reconveyance Services Property Inspection and Preservation

avista solutions
Columbia, SC PHONE: (803) 788-4936 FAX: (803) 788-4966 www.avistasolutions.com Document Management / Workflow Systems, eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services, Underwriting Systems / Services avista solutions provides web-based, end-to-end, all-in-one mortgage origination software for community Banks, credit unions, and mortgage Bankers. avista solutions technology meets the needs of retail, consumer direct, wholesale, and correspondent channels.

BOOTH: 828

BOOTH: 528

american national abstract, llc


Clarence, N.Y. PHONE: (716) 634-3405 FAX: (716) 634-3166 www.anadeeds.com Attorneys, Document Services anadeeds.com prides itself in providing legal documents to some of the nations largest lenders, title insurers and settlement service providers.

associated software consultants, inc.


Middleburg Heights, Ohio PHONE: (800) 628-4687 FAX: (440) 826-1140 www.asconline.com Mortgage Technology Products / Services, Risk Management Data / Services / Systems, Secondary Market Systems / Services asc develops loan automation software solutions for the primary and secondary mortgage market including the powerlender loan origination and processing system in desktop and hosted versions, and the powerseller secondary marketing and risk management systems.

BOOTH: 336

Bankers insurance service


Chicago, Ill. PHONE: (800) 323-2746 FAX: (312) 381-6195 www.bankersinsuranceservices.com Insurance Products

BOOTH: 125

american society of reo specialists


Blue Springs, Mo. PHONE: (816) 616-2098 FAX: (816) 220-3959 www.asreos.com Asset Management, Default Services, Field Inspection / Property Preservation, Foreclosure / Reconveyance Services a professional association of reo brokers and property preservation contractors.

BOOTH: 423

calyx software
Dallas, Texas PHONE: (800) 362-2599 FAX: (214) 252-5650 www.calyxsoftware.com Internet Services / Technology Products, Mortgage Bankers, Mortgage Brokers, Mortgage Technology Products / Services

47

EXPO 2009

expo 2009
BOOTH: 522

central mortgage company


BOOTH: 218
Little Rock, Ark. PHONE: (507) 716-5721 FAX: (501) 716-5768 Mortgage Bankers, Subservicers cmc purchases mortgage servicing rights and bulk, mini-bulk and monthly flow co-issue basis. cmc services loans in all 50 states, including the district of columbia for freddie mac and aBs securities.

BOOTH: 833

campusmBa
Washington, D.C. PHONE: (800) 793-6222 www.campusmba.org Education / Training campusmBa provides the educational tools you need for your company to succeed. plus, save 10 percent during the convention on all purchases from campusmBa. learn more: stop by the campusmBa booth.

closing.com
La Jolla, Calif. PHONE: (858) 551-1500 FAX: (858) 551-1550 www.closing.com Business Forms / Automated Solutions Integration Services Internet Services / Technology Products Mortgage Technology Products / Services closingcorp, an independent real estate information data provider owns and operates closing.com, and has developed the smartgfe a professional-grade service that delivers data to enable loan originators to create instant gfes through select loan origination software providers.

BOOTH: 410

clear capital
BOOTH: 601
Truckee, Calif. PHONE: (530) 550-2500 FAX: (530) 550-9218 www.clearcapital.com Appraisal Systems / Services, Automated Property Valuations, Due Diligence, Portfolio Analysis / Valuation / Hedging clear capital serves the mortgage and lending industries, providing intelligent valuation solutions for properties nationwide. we deliver accurate and reliable tools, including appraisals, broker price opinions, reconciliations and our new home data index.

cBcinnovis
Columbus, Ohio PHONE: (614) 222-4343 FAX: (614) 222-4345 www.cbcinnovis.com Appraisal Systems / Services, Credit Reporting / Scoring Products, Default Services, Flood Information / Determination / Certification Services, Foreclosure / Reconveyance Services, Fraud Detection Services, Quality Assurance / Contract Services, Risk Management Data / Services / Systems, Title Insurance / Services

BOOTH: 222

coester appraisal group


Gaithersburg, Md. PHONE: (888) 485-1999 www.coesterappraisals.com Appraisal Systems / Services, Automated Property Valuations, Due Diligence, Portfolio Analysis / Valuation / Hedging, Property Valuations coester appraisal group is a national appraisal company providing appraisal management and real estate valuation services. our trained staff and extensive appraisal network ensure quality service. services include hvcc compliance, appraisals, reviews and Bpos.

BOOTH: 501

cenlar fsB
Ewing, N.J. PHONE: (609) 883-3900 FAX: (609) 538-4024 www.cenlar.com Subservicers cenlar fsB is a wholesale bank specializing in subservicing nationwide. we offer our customized private label programs for a variety of loan products including mortgages and helocs. call us today, to discuss subservicing. where your name comes first.

BOOTH: 802

comergence compliance monitoring, llc


Orange, Calif. PHONE: (714) 740-9000 FAX: (714) 740-0571 www.comergencecompliance.com Due Diligence comergence compliance monitoring, llc performs mortgage broker background due diligence and risk mitigation services that proactively alerts lenders to brokers who have the potential for submitting loans associated with high fraud and default rates.

EXPO 2009

48

expo 2009
BOOTH: 302

data-vision, inc.
BOOTH: 900

commerce velocity, llc.


Irvine, Calif. PHONE: (714) 338-7140 FAX: (714) 665-1424 www.cvelocity.com Internet Services / Technology Products, Mortgage Technology Products / Services, Portfolio Analysis / Valuation / Hedging, Underwriting Systems / Services

BOOTH: 527

credit plus, inc. / ariston


Salisbury, Md. PHONE: (800) 258-3488 FAX: (800) 258-3287 www.creditplus.com Credit Reporting / Scoring Products, Mortgage Technology Products / Services, Title Insurance / Services credit plus, inc., a leader in credit information services, provides mortgage professionals nationwide with top products, service and technology to help them close more loans. ariston offers the best in title and settlement / closing solutions.

Mishawaka, Ind. PHONE: (888) 925-8625 FAX: (574) 243-8630 www.d-vision.com Document Services, Electronic Document Delivery, eMortgage Solution Providers, Internet Services / Technology Products data-vision offers the path to e-lending through a comprehensive suite of online services that include loanQuoter and remotedocs. our solutions empower you to enhance your current point-of-sale and closing processes.

BOOTH: 822
R

credit technologies, inc.


Wixom, Mich. PHONE: (800) 445-4922 FAX: (800) 473-7409 www.credittechnologies.com Credit Reporting / Scoring Products, Education / Training, Mortgage Technology Products / Services advanced credit services reduce costs by up to 30%. Quality applicants falling short of fico score requirements, avoid fnma lpa and close more loans by providing better rate / terms, higher ltv ratios and reduced pmi / mi costs.

BOOTH: 823

complianceease
Burlingame, CA PHONE: 866-212-EASE FAX: 650-373-7844 www.ComplianceEase.com Due Diligence, Employment/Income Verification, Quality Assurance/Contract Services, Regulations Databases, Risk Management Data/Services/Systems complianceease is the leading provider of automated compliance solutions. its flagship product-complianceanalyzer empowers lenders with the ability perform loan-level audits on federal and state consumer lending laws, truth in lending and most importantly, high-cost lending compliance.

BOOTH: 219

del mar datatrac


San Diego, Calif. PHONE: (858) 550-8810 FAX: (858) 550-8822 www.dmdinc.com Document Management / Workflow Systems, Document Services, Internet Services / Technology Products, Mortgage Technology Products / Services, Secondary Market Systems / Services founded in 1991 dmd is the leading provider of affordable loan automation solutions for mortgage lenders, banks, and credit unions. dmd offers a scalable workflow platform that enables lending best practices by leveraging datatrac as the back-office hub.

BOOTH: 804

csc
Austin, Texas PHONE: (800) 345-7672 FAX: (499) 469-5508 csc.com / earlyresolution Document Management / Workflow Systems, Due Diligence, Financial Programs, Internet Services / Technology Products, Mortgage Bankers, Mortgage Technology Products / Services cscs earlyresolution (er) default management is a software-asa-service offering. er is a loss mitigation tool that 5 of the top 10 mortgage servicers use to find effective solutions when borrowers are in default, especially at large scale, for workouts that comply with government guidelines.

49

EXPO 2009

expo 2009

BOOTH: 617

dexma, inc.
Edina, Minn. PHONE: (952) 229-1400 FAX: (952) 831-0493 www.dexma.com eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services dexma helps grow volume, trim expenses and reduce risks by powering retail, wholesale and correspondent platforms for several top lenders, real estate and mortgage insurance companies as well as smaller lenders such as credit unions and community banks.

BOOTH: 625 BOOTH: 703

ellie mae, inc.


Pleasanton, Calif. PHONE: (925) 227-7000 FAX: (925) 227-9030 www.elliemae.com Document Services, Electronic Document Delivery, eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services ellie mae, inc. is an award-winning provider of services for the mortgage industry, connecting loan originators to partners, lenders, underwriters, and service providers.

document systems inc. / docmagic


Carson, Calif. PHONE: (800) 649-1362 FAX: (800) 564-1362 www.docmagic.com Business Forms / Automated Solutions, Document Management / Workflow Systems, Document Services, Electronic Document Delivery, eMortgage Solution Providers, Flood Information / Determination / Certification Services, Internet Services / Technology Products

BOOTH: 831

digital risk, llc


Maitland, Fla. PHONE: (407) 215-2900 FAX: (407) 641-9200 www.digitalrisk.com Due Diligence, Fraud Detection Services, Mortgage Technology Products / Services, Risk Management Data / Services / Systems servicing a broad base of customers through its unique 360 digress approach to risk analytics. digital risk provides comprehensive solutions to portfolio management through predictive analytics and expert underwriting services.

BOOTH: 332

dovenmuehle mortgage, inc.


Lake Zurich, Ill. PHONE: (847) 550-7550 FAX: (847) 550-7393 www.Dovenmuehle.com Subservicers dovenmuehle subservices approximately 350,000 loans for more than 200 institutions nationwide. dovenmuehle provides private label subservicing and significant savings compared to servicing loans internally. please call david allison at (847) 550-7550.

BOOTH: 628

elynx
Cincinnati, Ohio PHONE: (513) 612-5969 FAX: (513) 612-5978 www.elynx.com Document Management / Workflow Systems, Electronic Document Delivery, Internet Services / Technology Products, Mortgage Technology Products / Services provides the most widely used network for secure document collaboration and distribution, including electronic document delivery, electronic closing network, electronic signature, electronic folder, print / view, paperless fax and print / mail fulfillment.

BOOTH: 128

document express, inc.


Palatine, Ill. PHONE: (800) 476-3627 FAX: (847) 991-3683 www.documentexpressinc.com Document Management/Workflow Systems, Document Services Internet Services/Technology Products, Flood Information/Determination/Certification Services Mortgage Technology Products/Services we bring you the industrys most comprehensive array of document preparation and mortgage closing solutions to deliver superior initial disclosures, closing documents, high cost analysis and flood certificates for lenders throughout the nation.

BOOTH: 418

ds news
Dallas, Texas PHONE: (214) 525-6700 FAX: (214) 525-6795 www.dsnews.com Education / Training, Publishers

EXPO 2009

50

expo 2009
BOOTH: 704

equifax
Atlanta, Ga. PHONE: (404) 885-8000 FAX: (404) 885-8872 equifax.com / mortgage Appraisal Systems / Services, Credit Reporting / Scoring Products, Document Management / Workflow Systems, Fraud Detection Services, Integrated Closing Services, Mortgage Technology Products / Services, Portfolio Analysis / Valuation / Hedging, Risk Management Data / Services / Systems, Underwriting Systems / Services

BOOTH: 137

fay servicing
Chicago, Ill. PHONE: 800-495-7166 FAX: 312-265-8439 www.fayfinancial.com Subservicers fay servicing maximizes the value of residential mortgage portfolios using a proactive, centralized subservicing model. we provide innovative solutions and unmatched expertise because we understand servicing is no longer a commodity business.

BOOTH: 427

field asset services, inc.


Austin, Texas PHONE: (512) 467-1537 FAX: (512) 467-1639 www.fieldassets.com Field Inspection / Property Preservation field asset services is a national property preservation, reo maintenance and repair company, fas is committed to customer satisfaction and continuing to set industry standards, because at fas great service is how we succeed.

BOOTH: 629

BOOTH: 120

equity national
East Providence, RI PHONE: (401) 434-5500 FAX: (401) 709-8172 www.equitynational.com Appraisal Systems / Services, Integrated Closing Services, Title Insurance / Services welcome to next generation settlement service. the e3 difference is growth fueled by relentless innovation, dedication to customer experience, strategic solutions that create competitive advantages to deliver unmatched service. experience equity national.

federal housing finance agency


Washington, D.C. PHONE: (866) 796-5595 FAX: (202) 408-2882 www.fhfa.gov Federal Agencies fhfas important and compelling mission is to promote a stable and liquid mortgage market, affordable housing and community investment through safety and soundness oversight of fannie mae, freddie mac and the federal home loan Banks.

BOOTH: 211

first american
Westlake, Texas PHONE: (800) 229-8426 FAX: (817) 826-2459 www.firstam.com Default Services, Document Management / Workflow Systems, Document Services, eMortgage Solution Providers, Field Inspection / Property Preservation, eMortgage Solution Providers,Flood Information / Determination / Certification Services, Fraud Detection Services, Information Security Technology / Services, Mortgage Technology Products / Services, Ourtsource Specialists, Real Estate Information Services, Risk Management Data / Services / Systems, Title Insurance / Services

BOOTH: 607

BOOTH: 130

fics
Addison, Texas PHONE: (972) 458-8583 FAX: (972) 458-0863 www.ficsloanware.com Mortgage Technology Products / Services

ernst information services, llc


Albany, N.Y. PHONE: (800) 345-3822 FAX: (800) 252-0906 www.ernstpublishing.com Internet Services / Technology Products, Mortgage Technology Products / Services, Publishers, Real Estate Information Services

51

EXPO 2009

expo 2009
BOOTH: 129

franklin credit management corporation


BOOTH: 403

fiserv
Brookfield, Wisc. PHONE: (262) 879-5000 FAX: (675) 375-4413 www.firserv.com eMortgage Solution Providers, Fraud Detection Services, Mortgage Technology Products / Services, Risk Management Data / Services / Systems fiserv is a leader in financial services technology solutions, driving innovation in payments, processing services, risk and compliance, customer and channel management, and Business intelligence and optimization.

Jersey City, N.J. PHONE: (800) 650-7720 FAX: (212) 925-1971 www.franklincredit.com Asset Management, Due Diligence, Portfolio Analysis / Valuation / Hedging, Subservicers specialized loan servicing due diligence portfolio analysis, nationwide door knock services, reo and asset management.

BOOTH: 716

ginnie mae
Washington, D.C. PHONE: (202) 708-0926 FAX: (202) 485-0206 www.ginniemae.gov Government Sponsored Enterprises since 1970, ginnie mae has guaranteed more than $2.9 trillion in mortgage-backed securities, helping more than 33 million families achieve their dream of homeownership. ginnie mae securities carry the full faith and credit guaranty of the u.s. government.

BOOTH: 806

gateway Bank, fsB


San Leandro, Calif. PHONE: (888) 210-0002 FAX: (510) 297-4232 www.gatewayfsb.com Correspondent Lenders, Warehouse Lenders gateway Bank is the nations top performing warehouse bank. a federal savings bank located in san francisco, gateway offers warehouse facilities from $2 million to $150 million for commercial and residential lenders under its trademark Quicksale program.

BOOTH: 117

fnc, inc.
Oxford, Miss. PHONE: (662) 236-2020 FAX: (662) 236-2037 www.fncinc.com Appraisal Systems / Services, Document Management / Workflow Systems, Fraud Detection Services, Internet Services / Technology Products, Mortgage Technology Products / Services enterprise collateral management for valuation workflow, automatic review, risk mitigation and credit management.

BOOTH: 524

gmac mortgage subservicing


Costa Mesa, Calif. PHONE: (877) 300-4622 www.gmacsolutions.com Subservicers a single source subservicing for all products, all brands. free up our resources, maximize your profits. its all about economic value, plain and simple. call 877-300-gmac.

BOOTH: 723

genpact mortgage services


Irvine, Calif. PHONE: (800) 837-8570 FAX: (949) 598-0918 www.genpactmortgage.com Default Services, Due Diligence, Outsource Specialists, Risk Management Data / Services / Systems, Underwriting Systems / Services genpact mortgage services is the leading provider of end-to-end mortgage origination, modification, and servicing solutions, leveraging global delivery backed by process excellence, effectively combining the benefits of right-shore mortgage expertise.

BOOTH: 711

harland financial solutions


Lake Mary, Fla. PHONE: (800) 989-9009 FAX: (407) 829-6715 www.harlandfs.com harland financial solutions supplies software and services to thousands of financial institutions of all sizes.

BOOTH: 323

foreclosure management co.


EXPO 2009
Overland Park, Kan. PHONE: (913) 383-0202 FAX: (913) 648-0825 www.foreclosuremanagement.com Default Services

52

expo 2009
BOOTH: 305 BOOTH: 300

BOOTH: 230

headstrong Business services


Atlanta, Ga. PHONE: 770.730.7600 FAX: 770.730.2950 www.headstrongbusinessservices.com Underwriting Systems / Services hBs provides financial services domain expertise and end-toend mortgage outsourcing solutions combined with innovative technology which transforms the way mortgage services transactions are priced, processed and delivered.

interthinx
Agoura Hills, Calif. PHONE: (800) 333-4510 FAX: (818) 871-1941 www.interthinx.com Fraud Detection Services, Risk Management Data / Services / Systems

ids, inc.
Draper, UT PHONE: (800) 554-1872 FAX: (801) 316-6998 www.idsdoc.com Document Services, Electronic Document Delivery for closing documents and initial disclosures our solution, idsdoc, is highly flexible, 100 percent compliant and completely web-based. dont reform to traditional fixed systems. with idsdoc you get full customization specific to your companys unique needs.

BOOTH: 118

iserve servicing, inc.


San Diego, Calif. PHONE: 858-486-2121 FAX: 858-486-2122 www.iservecompanies.com Information Security Technology / Services, Mortgage Technology Products / Services

BOOTH: 306

housing wire
Dallas, Texas PHONE: (469) 893-1480 FAX: (469) 893-1481 www.housingwire.com Publishers housingwire is the premier independent source for news, commentary and analysis covering the mortgage and financial markets. our focus is unique, as is our commitment to providing analysis and insight that simply isnt available anywhere else.

BOOTH: 504

integra software systems, llc


Franklin, TN PHONE: 877-253-7779 FAX: (615) 628-0100 www.integra-online.com Document Management / Workflow Systems, Electronic Document Delivery, Internet Services / Technology Products, Mortgage Technology Products / Services, Secondary Market Systems / Services, Underwriting Systems / Services integra provides a feature-rich fully integrated loan origination system, which supports all channels of mortgage lending, helocs, consumer lending and commercial lending. our destinylos is highly customizable and affordable for lenders of all sizes.

BOOTH: 210

isgn
Bensalem, Pa. PHONE: (267) 525-9324 FAX: (215) 245-4392 www.isgn.com Default Services, Employment / Income Verification, Integrated Closing Services, Mortgage Technology Products / Services, Title Insurance / Services most diverse mortgage solutions provider in the u.s., with more than 1,000 customers including some of the largest lenders. provides origination support (los, fulfillment, title and settlement), core servicing and default solutions, with technologies like lenstar.

BOOTH: 424

hyland software, inc.


Westlake, Ohio PHONE: (440) 788-6000 FAX: (440) 788-6100 www.onbase.com Document Management / Workflow Systems, eMortgage Solution Providers

53

EXPO 2009

expo 2009
BOOTH: 803 BOOTH: 217

Jc iii & associates, inc.


Tampa, Fla. PHONE: (813) 569-1833 FAX: (813) 433-2409 www.JC3associates.com Due Diligence, Quality Assurance / Contract Services, Strategic Staffing, Underwriting Systems / Services Jciii & associates, inc provides project / flow services for due diligence underwriting, repurchase / mi rescission rebuttals, putback reviews, quality control, servicing and fraud reviews. for more information, please visit www.jc3associates.com.

kroll factual data


Loveland, Colo. PHONE: (800) 929-3400 FAX: (800) 929-3297 www.krollfactualdata.com Credit Reporting / Scoring Products, Flood Information / Determination / Certification Services, Fraud Detection Services, Risk Management Data / Services / Systems

BOOTH: 503

lender processing services, inc.


Jacksonville, Fla. PHONE: (904) 854-5100 FAX: (904) 854-4124 www.lpsvcs.com Default Services, Foreclosure / Reconveyance Services, Mortgage Technology Products / Services, Real Estate Information Services, Title Insurance / Services

BOOTH: 334

Jvi appraisal division, llc


Lake Mary, Fla. PHONE: (407) 531-5333 FAX: (407) 531-5334 www.jvisolutions.com Appraisal Systems / Services, Education / Training Jvi is a nationwide appraiser owned / operated valuation provider. we offer expertise in origination, refinance, reo, value reconciliation and customized products. Jvi provides counseling and solutions that work for our clients.

BOOTH: 416

the law offices of John d. clunk, lpa


Stow, Ohio PHONE: (330) 436-0600 FAX: (330) 436-0601 www.johndclunk.com Attorneys, Default Services, Foreclosure / Reconveyance Services, Title Insurance / Services reo closing services, origination escrow services, foreclosure title and curative services. we cover the following states: ohio, kentucky, michigan and pennsylvania.

BOOTH: 325

lenderlive network, inc.


Glendale, Colo. PHONE: (303) 226-8005 FAX: (303) 226-8025 www.lenderlive.com Document Services, Internet Services / Technology Products, Outsource Specialists, Title Insurance / Services, Underwriting Systems / Services mortgage service provider: complete loan origination and fulfillment support, loan modifications, contract underwriting, document preparation, lender closing services, quality control audits, customer retention, and complete title / settlement services.

BOOTH: 233

kirchmeyer & associates, inc.


Buffalo, N.Y. PHONE: (716) 558-2800 FAX: (716) 558-2811 www.Kirchmeyer.com Appraisal Systems / Services, Consultants, Portfolio Analysis / Valuation / Hedging, Quality Assurance / Contract Services, Real Estate Information Services kirchmeyer & associates, inc. is a nationwide real estate appraisal / consulting firm offering valuation services with hvcc solutions including, avms residential appraisals, Quality control reviews and Bops. contact us at www.kirchmeyer.com

BOOTH: 425

leadQual, llc
Emeryville, Calif. PHONE: (510) 653-3000 x113 FAX: (510) 653-3003 www.leadqual.com Internet Services / Technology Products, Lead Generation Services, Marketing / Advertising Services if you generate or purchase internet leads, leadQual can improve roi by increasing their conversion to closed loans. leadQual calls your leads within seconds, qualifies them and live transfers the interested, qualifield prospects to your loan officers.

BOOTH: 200

lenders one
Saint Louis, Mo. PHONE: (866) 728-5678 FAX: (314) 567-4355 www.lendersone.com national alliance of leading independent mortgage bankers that leverages the combined strength of member companies to provide

EXPO 2009

54

expo 2009
them with revenue enhancing, cost saving and market share expanding capabilities.

BOOTH: 707

BOOTH: 627

BOOTH: 422

lexisnexis
Alpharetta, Ga. PHONE: (770) 291-4000 FAX: 77029140051 www.marisolutions.com Mortgage Technology Products / Services mortgage asset research institute (mari), a lexisnexis service, is a leading provider of information services to the financial services industry. mari developed the mortgage industry data exchange (midex) as a powerful weapon used to defend against mortgage fraud.

loansifter, inc.
Appleton, Wisc. PHONE: (920) 268-4770 www.loansifter.com Internet Services / Technology Products, Lead Generation Services, Marketing / Advertising Services, Mortgage Technology Products / Services, Secondary Market Systems / Services the #1 pricing suite for bankers, brokers, and cus. flexible secondary tools to manage tpos, pipelines, pricing, and underwriting. sales and marketing tools, including email campaigns, rate alerts, website or lead auto-quoting, gfe, disclosures and 1003.

loyaltyexpress
Woburn, Mass. PHONE: (877) 938-1175 FAX: (617) 507-8309 www.loyaltyexpress.com Corporate Gifts, Internet Services / Technology Products, Marketing / Advertising Services, Mortgage Technology Products / Services, Web Site Designers our vision stems from the opportunity to arm each and every loan officer in the mortgage industry with exceptional marketing programs that strongly convey professionalism and distinction to customers, partners, peers, and prospects.

BOOTH: 525

loan protector insurance services, inc.


Solon, Ohio PHONE: (440) 498-9367 www.loanprotector.com Flood Information / Determination / Certification Services, Insurance Products, Mortgage Technology Products / Services, Outsource Specialists

BOOTH: 807

marix servicing llc


Phoenix, Ariz. FAX: (623) 249-2000 www.marixservicng.com Outsource Specialists, Subservicers marix servicing llc a full spectrum servicer specializing in resolving distressed residential mortgage loans. marix has the technology, experience and capacity to satisfy loss mitigation needs through subservicing or component outsourcing.

BOOTH: 304

lowermyBills.com
Los Angeles, Calif. PHONE: (310) 348-6811 FAX: (310) 564-7739 www.lowermybills.com Internet Services / Technology Products, Lead Generation Services lowermyBills.com, an experian company, is a leading online mortgage lead-generation company in partnership with lenders, banks and mortgage brokers to help all types of consumers find and close home loan products on the internet.

BOOTH: 119

loanmls
San Diego, Calif. PHONE: (866) 659-7579 FAX: (858) 292-5286 www.loanmls.com Asset Management, Internet Services / Technology Products, Marketing / Advertising Services, Secondary Market Systems / Services loanmls is a classified advertising site for loans, providing a central place for brokers, lenders, bankers and investors to post / search for loans to buy sell or fund. you only pay to post. there are no commissions / transaction fee required by loanmls.

BOOTH: 417

mda lending solutions, inc.


Wilmington, DE PHONE: (888) 299-8787 FAX: (302) 433-8090 www.mdasolutions.com Flood Information / Determination / Certification Services, Portfolio Analysis / Valuation / Hedging, Risk Management Data / Services / Systems mda lending solutions provides advanced information solutions that reduce time, cost and risk in real estate lending. solutions include analytics, property information, collateral valuation, title insurance, flood, credit and settlement.

55

EXPO 2009

expo 2009

BOOTH: 316

metavante lending solutions


Wayne, Pa. PHONE: (484) 595-2000 FAX: (610) 540-0041 www.metavante.com / lending Accounting / Finance Systems, Business Forms / Automated Solutions, Electronic Document Delivery, eMortgage Solution Providers, Integration Services, Internet Services / Technology Products, Mortgage Technology Products / Services, Underwriting Systems / Services metavante provides lending automation technology services for mortgage home equity and other consumer loan origination. solutions are used to better market, sell, process and close loans through all distribution channels.

BOOTH: 216

morpac
Washington, D.C. PHONE: (202) 557-2700 www.mortgagebankers.org Associations stay up-to-date on the industrys most important regulatory and legislative issues. learn about participation in mBas advocacy efforts through morpac and the mortgage action alliance.

BOOTH: 223

mortgage Bankers association


Washington, D.C. PHONE: (202) 557-2700 www.mortgagebankers.org Associations mBas exhibit booths provide one-stop shopping for all mBa products, services and information. get the latest on upcoming events, new products and more. enter to win fun prizes.

BOOTH: 322

mortech, inc.
Lincoln, NE PHONE: (402) 441-4647 FAX: (402) 420-6549 www.mortech-inc.com Information Security Technology / Services, Mortgage Technology Products / Services, Secondary Market Systems / Services the original mortgage product and pricing engine and lead management software. mortech supplies best execution pricing, rate notification, rich crm tools, custom rate sheets, loan product eligibility and guideline service to mortgage bankers and lenders.

BOOTH: 610

mortgage Builder software


Southfield, Mich. PHONE: 800-460-5040 FAX: (248) 304-0601 www.mortgagebuilder.com Document Management / Workflow Systems, Electronic Document Delivery, Internet Services / Technology Products, Mortgage Technology Products / Services, Other, Secondary Market Systems / Services, Underwriting Systems / Services end-to-end loan origination system for both retail and wholesale production. pre-qualification through interim servicing including embedded closing docs plus all back-office functionality required for mortgage bankers. saas, asp and client server options.

BOOTH: 220

mismo
Washington, D.C. PHONE: (202) 557-2700 www.mismo.org Internet Services / Technology Products mismo is the leading technology standards development body for the mortgage banking industry. learn how mismo promotes data consistency, increases transparency and boosts investor confidence while passing cost savings to the consumer.

EXPO 2009

56

expo 2009

BOOTH: 412 BOOTH: 511

BOOTH: 622

national closing solutions


Rocklin, Calif. PHONE: (916) 958-8060 FAX: (877) 958-8161 nationalclosingsolutions.com Appraisal Systems / Services, Automated Property Valuations, Integrated Closing Services, Title Insurance / Services ncs is a national provider of title, closing, and appraisal services, including ca and tx. ncs provides lenders a consistent process and point of contact for their national title and closing business, and features a ca statewide title plant in house.

national real estate information services


Pittsburgh, Pa. PHONE: (800) 753-3339 FAX: (412) 808-1717 www.nreis.com Appraisal Systems / Services, Field Inspection / Property Preservation, Integrated Closing Services, Real Estate Information Services, Title Insurance / Services national real estate is a nationwide solution for appraisal, title, settlement and default services.

mortgage cadence, inc.


Denver, Colo. PHONE: (303) 991-8200 FAX: (303) 790-9784 www.mortgagecadence.com Document Management / Workflow Systems, Electronic Document Delivery, eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services mortgage cadence supplies an enterprise lending platform consisting of functionality to innovate the mortgage process with an eye toward the eventual realization of emortgages including los, aus, Brms, workflow and automation, imaging, and doc prep.

BOOTH: 124

nations direct
Anaheim, Calif. PHONE: (800) 969-7779 FAX: (866) 729-6562 www.signing-services.com more than 2.5 million signed since 1986. the nations Best signing solution. timely and cost effective conveyance deed prep. all types of loans: esign, reverse mortgage, respa, rural area, last minute, and late night.

BOOTH: 826

national loan exchange inc.


Edwardsville, Ill. PHONE: (800) 264-3683 FAX: (618) 692-9501 www.nlex.com

BOOTH: 727

mortgage industry advisory corporation miac


New York, N.Y. PHONE: (212) 233-1250 FAX: (212) 233-2265 www.miacanalytics.com Asset Management Systems, Portfolio Analysis / Valuation / Hedging, Secondary Market Systems / Services, Servicing Evaluation / Brokerage miac provides software solutions for the valuation of msrs and whole loans risk management of msrs whole loans and the mortgage pipeline complete valuation brokerage and specialized accounting and tax services for mortgage industry.

national loan exchange, inc. (nlex), the industrys leading distressed asset broker provides start-to-finish loan sale services and consulting for all consumer and commercial asset classes. visit us at www.nlex.com.

BOOTH: 116

nations title agency


Prairie Village, Kan. PHONE: (913) 383-8642 FAX: (813) 385-9261 www.nationstitle.com Appraisal Systems / Services, Foreclosure / Reconveyance Services, Integrated Closing Services, Title Insurance / Services title, escrow, appraisal, and foreclosure services.

BOOTH: 725

national Quick sale


Jacksonville, Fla. PHONE: (904) 854-7700 FAX: (904) 854-7701 www.nationalquicksale.com Default Services, Mortgage Technology Products / Services national Quick sale is an outsource-based solution that collaborates with key industry partners providing the quickest, most efficient way to get a short sale offer processed.

57

EXPO 2009

expo 2009

BOOTH: 619

BOOTH: 612 BOOTH: 724

nationwide title clearing


Palm Harbor, Fla. PHONE: (800) 346-9152 FAX: (727) 772-1950 www.nwtc.com Assignments, Document Services, Mortgage Technology Products / Services, Outsource Specialists, Release / Assignment Services nationwide title clearing is the leading service provider for lien releases, assignments, document retrieval, mers services, final documents, title policy retrieval replacement, foreclosure collateral management and hedge fund bundled services.

optimal Blue llc


Plano, Texas PHONE: (972) 781-0200 FAX: (972) 781-0221 www.optimalblue.com Internet Services / Technology Products, Mortgage Technology Products / Services, Secondary Market Systems / Services opitmal Blue is the premier vendor of content management product eligibility and pricing technology. providing advanced secondary marketing and product management tools with underwriting capabilities and near error-free content for thousands of products.

nylx
Mount Arlington, N.J. PHONE: (866) 577-6959 FAX: (866) 311-7047 www.nylx.com Automated Property Valuations, eMortgage Solution Providers, Lead Generation Services, Mortgage Technology Products / Services, Secondary Market Systems / Services nylx is the market leader for automated mortgage data applications, making investor product pricing and eligibility information actionable for lenders. from point of sale to secondary market, nylx applies technology and best practice to address industry need.

BOOTH: 810

BOOTH: 835

ndcdata
San Diego, Calif. PHONE: (800) 964-2374 FAX: (858) 273-8026 www.valueconnect.com Appraisal Systems / Services, Automated Property Valuations, Internet Services / Technology Products, Real Estate Information Services ndcdata is a loan management platform and data portal, providing online public records and enhanced appraiser data. ndc and its sister-company frea offer value connect appraisal referral system with a nationwide appraiser network-now hvcc compliant.

opus capital markets


Lincolnshire, Ill. PHONE: (224) 632-1305 FAX: (312) 604-1574 www.opuscmc.com Due Diligence opus cmc provides loan review due diligence services, operational reviews, advisory consultation, professional staffing services and an international due diligence and advisory division.

BOOTH: 523

old republic national title insurance company


Minneapolis, Minn. PHONE: 800-328-4441 FAX: (612) 371-1191 www.oldrepublictitle.com Appraisal Systems / Services, Credit Reporting / Scoring Products, Default Services, Insurance Products, Real Estate Information Services, Title Insurance / Services since 1992, we have received the highest financial strength ratings from the major rating agencies. this reflects our strong capitalization; favorable operating performance; conservative investment strategy; and commitment to technology.

BOOTH: 133

paradatec, inc.
Loveland, Ohio PHONE: (952) 882-7720 www.paradatec.com Mortgage Technology Products / Services proven technology since 1997. delivering the most efficient, accurate, and flexible unstructured document classification and data extraction solution available anywhere.

BOOTH: 600

the niche report


Bentonville, Ark. PHONE: (866) 964-2695

BOOTH: 821
EXPO 2009

penncro associates inc.


Southampton, Pa. PHONE: 956-579-1420 FAX: 215-357-7046 www.penncro.com Outsource Specialists

58

expo 2009
BOOTH: 626

pclender.com, inc.
Honolulu, Hawaii PHONE: (877) 536-6886 FAX: (866) 291-1501 www.pclender.com Mortgage Technology Products / Services, Secondary Market Systems / Services

BOOTH: 313

pro-teck services ltd.


Waltham, Mass. PHONE: (781) 899-4949 FAX: (781) 891-3553 www.protk.com Appraisal Systems / Services, Due Diligence, Portfolio Analysis / Valuation / Hedging, Real Estate Information Services, Risk Management Data / Services / Systems pro-teck services is a national provider of residential real estate valuations. with a sharp focus on data accuracy and customer service we deliver customized risk management solutions for funding, investing, servicing and secondary market requirements.

BOOTH: 518

Quantitative risk management, inc.


Chicago, Ill. PHONE: (312) 782-1880 FAX: (312) 782-1957 www.qrm.com Consultants, Risk Management Data / Services / Systems Quantitative risk management develops industry-leading risk management principles, practices, and models, and provides clients with the advice, knowledge, and tools necessary to adopt those innovations, thus increasing their risk-adjusted returns.

BOOTH: 329

phh mortgage
Mount Laurel, N.J. PHONE: (856) 917-6726 FAX: (856) 917-6902 www.phhmortgagesolutions.com Mortgage Technology Products / Services, Mortgage Transaction Platforms, Outsource Specialists phh mortgage is the industry leader of customized, private label mortgage outsourcing solutions. our fully integrated, multichannel platform enables you to sell at all customer touch points. we brand in your name and provide real time loan information.

BOOTH: 126

Quality mortgage services, llc


Franklin, Tenn. PHONE: (615) 591-2528 FAX: (615) 591-2687 www.qcmortgage.com Appraisal Systems / Services, Due Diligence, Fraud Detection Services, Quality Assurance / Contract Services, Underwriting Systems / Services full service Qc / Qa contract underwriting, default reviews, modification reviews, hvcc reporting, software lease, purchase loan imaging.

BOOTH: 729

Quatrro mortgage solutions, inc.


Tarpon Springs, Fla. PHONE: (727) 939-2375 FAX: (704) 799-2163 www.quatrromortgage.com Default Services, Foreclosure / Reconveyance Services, Outsource Specialists, Strategic Staffing, Underwriting Systems / Services through its onshore and offshore processing facilities, Quatrro mortgage solutions provides outsourcing solutions to support all process of loan production, post closing, default management, loan modifications, title services and servicing support.

BOOTH: 428

prodovis mortgage llc


Arlington, Texas PHONE: (817) 635-8301 FAX: (817) 635-8401 www.prodovis.com Due Diligence, Subservicers subservicer with strong default team providing sustainable modifications.

59

EXPO 2009

expo 2009
BOOTH: 237

rapid reporting verification company


Fort Worth, Texas PHONE: (888) 749.4411 FAX: (888) 737.4432 www.RapidReporting.com Employment / Income Verification, Fraud Detection Services, Outsource Specialists, Quality Assurance / Contract Services, Tax Return Verification Services rapid reporting is an award-winning innovator of income, identity, employment and deposit verification services that help financial institutions combat fraud. the company is the largest provider of income and identity verifications in the u.s.

BOOTH: 100

residential credit solutions, inc.


Fort Worth, Texas PHONE: (800) 737-1192 www.residentialcredit.com rcs is an integrated investment and servicing organization specializing in credit-sensitive and servicing-intensive residential mortgage loans.

BOOTH: 722

salient Business solutions


Ramsey, N.J. PHONE: (866) 369-2659 FAX: (610) 680-3461 www.salientbpo.com Outsource Specialists salient is an outsourcing specialist with a global presence servicing the mortgage and the title industry. specializing in loan processing, pre-underwriting , post closing, audit, quality assurance, title settlement services (searches, keying, payoff, etc.).

BOOTH: 132

raymond James & associates


New York, N.Y. PHONE: 212-273-4045 www.RaymondJames.com founded in 1962, raymond James is one of the largest financial services firms in the us the raymond James whole loan trading group offers products and services for all financial institutions.

BOOTH: 426

response analytics, inc.


Scottsdale, Ariz. PHONE: (480) 429-4480 x118 FAX: (480) 429-4551 www.responseanalytics.com Default Services, eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services, Portfolio Analysis / Valuation / Hedging response analytics is a leading financial services optimization (fso) company with an unprecedented solution for the mortgage industry which uses optimization technology to increase valuation accuracy and improve cash flows on distressed mortgages.

BOOTH: 324

singlesource property solutions


Pittsburgh, Pa. PHONE: (866) 620-7577 FAX: (866) 321-8989 www.singlesourceproperty.com Asset Management, Automated Property Valuations, Default Services, Due Diligence, Integrated Closing Services REO Asset Management, Property Valuations, Title Closings, Property Preservation, Property Maintenance

BOOTH: 328

rekon technologies
Pasadena, Calif. PHONE: (626) 577-4350 FAX: (626) 577-4360 www.rekon.com Document Management / Workflow Systems, Foreclosure / Reconveyance Services, Mortgage Technology Products / Services, Release / Assignment Services, Secondary Market Systems / Services rekon technologies is a leading provider in technology solutions for preparing, managing and recording documents nationwide. top loan servicers choose rekon technologies for their software needs.

BOOTH: 517

solidifi
Markham, Ontario PHONE: (866) 583-3983 FAX: (905) 799-1222 www.solidifi.com Appraisal Systems / Services, Mortgage Technology Products / Services, Real Estate Information Services, Risk Management Data / Services / Systems solidifi provides property valuation and collateral risk management services to the mortgage industry. it provides lenders with a flexible valuation procurement service and risk managers with the data and valuation procurement service and risk managers.

BOOTH: 229

riskspan
Vienna, Va. PHONE: (703) 956-5200 FAX: (703) 448-1805 www.riskspan.com Consultants, Mortgage Technology Products / Services, Portfolio Analysis / Valuation / Hedging, Risk Management Data / Services / Systems riskspan provides integrated valuation and risk solutions that combine powerful analytics, data, and expert consulting services. riskspans flexible suite of tools includes rs velocity for whole loan for rigourous loan level valuations and analysis.

EXPO 2009

60

expo 2009
BOOTH: 611 BOOTH: 701

stewart lender services


BOOTH: 603
Houston, Texas PHONE: (800) 577-6674 FAX: (713) 479-2208 www.stewartlenderservices.com Default Services, Document Services, eMortgage Solution Providers, Foreclosure / Reconveyance Services, Release / Assignment Services stewart lender services (sls) is a leading provider of loss mitigation, refinance outreach and qualification, loan modification qualification and fulfillment, short sales solicitation, reo title, settlement and asset management, and post-closing services.

slk group
Plano, Texas PHONE: (972) 758-5497 FAX: (214) 291-5222 www.slk-group.com Flood Information / Determination / Certification Services, Foreclosure / Reconveyance Services, Information Security Technology / Services, Outsource Specialists, Title Insurance / Services mortgage and Banking industry Bpo and software services that transform enterprises: rapid data entry, decision based processes, application development, testing, maintenance, consulting and infrastructure management.

sourcecorp
Dallas, Texas PHONE: (214) 740-6500 FAX: (214) 740-6531 www.srcp.com Consultants, Document Management / Workflow Systems, Document Services, Mortgage Technology Products / Services, Outsource Specialists a provider of Bpo integrated solutions to mortgage clients including document conversion, domestic / offshore data entry, weB repository, regulatory compliance management and workflow services, investor portal, post close auditing and loan servicing support.

BOOTH: 829

sollen technologies llc


Dallas, Texas PHONE: (800) 582-1074 FAX: (972) 960-7202 www.sollen.com Internet Services/Technology Products, Mortgage Technology Products/Services internet-based application services provider of product, pricing and best execution capabilities for the mortgage industry. sollens comprehensive products and services bring measurable value to the retail, wholesale, and correspondent channels.

BOOTH: 122

BOOTH: 700

sourcemedia
New York, N.Y. PHONE: (212) 803-8689 FAX: (212) 843-9678 www.sourcemedia.com Publishers sourcemedia is the leading provider of information, data and software for professionals in the banking, financial services and related technology markets.

the stonehill group, inc.


Atlanta, Ga. PHONE: (770) 399-1936 FAX: (770) 396-1913 www.stonehillgroup.com

BOOTH: 317

streetlinks national appraisal services


Indianapolis, Ind. PHONE: (816) 237-7124 FAX: (913) 748-8922 www.streetlinks.com Appraisal Systems / Services

BOOTH: 605

standard & poors


EXPO 2009
New York, N.Y. PHONE: (212) 438-2639 www.standardandpoors.com Rating Agencies standard & poors structured finance ratings offers a range of global ratings services, which help investors, bankers, issuers and other constituents benchmark the credit quality of securitized assets.

61

expo 2009
Analysis / Valuation / Hedging, Real Estate Information Services urban settlement services combines commitment, accuracy and excellence with innovative thinking to bring you a comprehensive suite of premiere real estate information products and services. data analytics to provide superior automated valuations, fraud detection, portfolio analysis, forecasting and next-generation collateral risk management platforms.

BOOTH: 817

BOOTH: 824 BOOTH: 102

visionet systems inc.


Cranbury, N.J. PHONE: (609) 409-1063 x1116 FAX: (609) 655-5232 www.visionetsystems.com Document Management / Workflow Systems, Due Diligence, Internet Services / Technology Products, Mortgage Technology Products / Services, Outsource Specialists visionet systems inc. provides a full range of comprehensive product, management and process consulting and business process outsourcing to the mortgage industry.

usda rural development


Washington, D.C. PHONE: (202) 720-1452 www.rurdev.usda.gov Government Sponsored Enterprises, Insurance Products usda rural development is a rural leader and dedicated to assisting private lenders grow their business today! true 100% financing no pmi flexible credit and ratios and streamlined underwriting are a few features offered. for more information about rural developments single family housing guaranteed loan program, visit http://eligibility.sc.egov.usda.gov/eligibility/ welcomeaction.do

tena companies, inc.


Saint Paul, Minn. PHONE: (800) 255-8362 FAX: (612) 293-4400 www.tenaco.com Outsource Specialists, Quality Assurance / Contract Services tena provides outsource quality control services and secondlook audit software, including state specific compliance rules.

BOOTH: 138

BOOTH: 809 BOOTH: 623

western mutual insurance company


Irvine, Calif. PHONE: (800) 927-2142 FAX: (949) 838-0019 www.westernmutual.com Insurance Products the western mutual insurance group offers superior homeowners, fire and earthquake coverages to preferred homeowners - throughout the southwest (aZ, ca, co,nv,nm,tx,ut). the western mutual insurance group is currently rated a-excellent by am Best.

veri-tax
Tustin, Calif. PHONE: (800) 969-5100 FAX: (800) 815-0909 www.veri-tax.com Due Diligence, Mortgage Technology Products / Services, Risk Management Data / Services / Systems, Tax Return Verification Services, Underwriting Systems / Services veri-tax is an income tax verification service for the lending and mortgage industries specializing in high volume irs form 4506-t processing. in 1999, veri-tax became the first company to deliver irs transcripts electronically to lenders nationwide.

the turning point, inc.


Sedona, Ariz. PHONE: (928) 203-9711 FAX: (928) 203-9707 www.turningpoint.com Lead Generation Services, Marketing / Advertising Services, Mortgage Technology Products / Services mach3 the turning points award-winning saas platform intelligently facilitates business planning, identifies sales opportunities and automates compliant marketing throughout the customer lifecycle, driving revenue growth while reducing cost and risk.

BOOTH: 726 BOOTH: 513 BOOTH: 805

wipro gallagher solutions, inc.


Palmetto Bay, Fla. PHONE: (305) 251-6654 FAX: (866) 483-2061 www.gogallagher.com Document Management / Workflow Systems, Internet Services / Technology Products, Underwriting Systems / Services wgs provides end-to-end fulfillment solutions via a global delivery model. we offer origination technology and business process

veros real estate solutions


Santa Ana, Calif. PHONE: (714) 415-6317 FAX: (714) 468-8162 www.veros.com Mortgage Technology Products / Services veros is the leader in enterprise risk management and collateral valuation services. veros combines predictive technology and

urban settlement services, llc


Pittsburgh, Pa. PHONE: (412) 325-7046 FAX: (412) 325-7051 Appraisal Systems / Services, Asset Management Systems Document Management / Workflow Systems, Document Services, Integrated Closing Services, Portfolio

EXPO 2009

62

expo 2009
services, including saas. transform your business, outperform the competition and thrive in this rapidly changing climate.

BOOTH: 123

xplair technology, llc


BOOTH: 516

xerox mortgage services


BOOTH: 502

wolters kluwer financial services / vmp / pci


Minneapolis, Minn. PHONE: (800) 552-9407 FAX: (320) 251-8110 www.wolterskluwerfs.com Business Forms / Automated Solutions, Document Management / Workflow Systems, Document Services, Electronic Document Delivery, eMortgage Solution Providers, Fraud Detection Services, Internet Services / Technology Products, Mortgage Technology Products / Services wolters kluwer financial services, a leading provider of compliance, content, technology, and services for the banking and mortgage industries. we bring together the most trusted and reliable solutions to help address compliance requirements, reduce risk, and operation more efficiently.

Alpharetta, Ga. PHONE: (678) 460-2460 FAX: 678-460-2491 www.xerox-xms.com Document Management / Workflow Systems, Electronic Document Delivery, eMortgage Solution Providers, Internet Services / Technology Products, Mortgage Technology Products / Services xerox mortgage services provides one of the mortgage industrys most widely-used solutions for paperless collaboration, Blitzdocs. Blitzdocs enables mortgage participants to submit, underwrite, audit, share, and deliver loan documents electronically.

San Diego, Calif. PHONE: (858) 486-2121 FAX: (858) 486-2122 www.xplair.com Information Security Technology / Services xplair technology, llc is a technology company that has created ims, a web-based portal to link investor and servicer through a system of comparative analytics, risk metrics, interactive charting, and workflow user-tasking.

BOOTH: 827

Zackin publications / secondary marketing executive


Oxford, Conn. PHONE: (203) 262-4670 FAX: (203) 262-4680 www.sme-online.com Secondary Marketing Executive is the monthly journal for mortgage professionals in charge of originating, buying, and selling loans and mortgage servicing rights.

BOOTH: 202

xetus mortgage corporation


Palo Alto, Calif. PHONE: (650) 237-1225 FAX: (888) 625-0290 www.xetus.com Document Management / Workflow Systems, Mortgage Bankers, Mortgage Brokers, Mortgage Technology Products / Services, Secondary Market Systems / Services xetus provides innovative software that streamlines loan processing connecting lenders, brokers, service providers, and investors securely via the internet, with visibility into an electronic loan folder for all parties throughout the loan process.

BOOTH: 702

BOOTH: 327

the work number


Saint Louis, Mo. PHONE: (888) 577-1999 FAX: (888) 703-5298 www.theworknumber.com Employment / Income Verification, Fraud Detection Services, Mortgage Technology Products / Services, Risk Management Data / Services / Systems, Tax Return Verification Services

Zenta
New York, N.Y. PHONE: (212) 209-0700 FAX: (212) 209-0712 www.zenta.com Default Services, Due Diligence, Foreclosure Services, Outsource Specialists, Quality Assurance / Contract Services, Risk Management Data / Services / Systems, Underwriting Systems / Services

63

EXPO 2009

Zenta is the worlds largest knowledge process outsourcing company focused on the real estate industry with operations in eight locations and more than 4,000 employees.

expo 2009: Exhibitor by product


Accounting / Finance Systems
Advantage Systems, Inc. Metavante Lending Solutions

Attorneys
American National Abstract, LLC The Law Offices of John D. Automated Property Valuations Clear Capital Coester Appraisal Group National Closing Solutions NDCdata NYLX SingleSource Property Solutions

Default Services
American Mortgage Field Services American Society of REO CBCInnovis First American Foreclosure Management Co. Genpact Mortgage Services ISGN Lender Processing Services, Inc. National Quick Sale Old Republic National Title Quatrro Mortgage Solutions, Inc. Response Analytics, Inc. SingleSource Property Solutions Stewart Lender Services The Law Offices of John D. ZENTA

Appraisal Systems / Services


ACI AppraiserLoft.com CBCInnovis Clear Capital Coester Appraisal Group Equifax Equity National FNC, Inc. JVI Appraisal Division, LLC Kirchmeyer & Associates, Inc. National Closing Solutions National Real Estate Nations Title Agency NDCdata Old Republic National Title Pro-Teck Services Ltd. Quality Mortgage Services, LLC Solidifi StreetLinks National Appraisal Urban Settlement Services, LLC

Business Forms / Automated Solutions


ACI Closing.com Document Systems Inc. / DocMagic Metavante Lending Solutions Wolters Kluwer Financial

Consultants
AboutYourMortgage.com LLC ACS Kirchmeyer & Associates, Inc. Quantitative Risk Management, RiskSpan Sourcecorp

Document Management / Workflow Systems


ACI ACS Acris Solutions, LLC Avista Solutions CSC Del Mar DataTrac Document Express, Inc. Document Systems Inc. / DocMagic eLynx Equifax First American FNC, Inc. Hyland Software, Inc. Integra Software Systems, LLC Mortgage Builder Software Mortgage Cadence, Inc. Rekon Technologies Sourcecorp Urban Settlement Services, LLC Visionet Systems Inc. Wipro Gallagher Solutions, Inc. Wolters Kluwer Financial Xerox Mortgage Services Xetus Mortgage Corporation

Asset Management
American Society of REO Franklin Credit Management LoanMLS SingleSource Property Solutions

Corporate Gifts
LoyaltyExpress

Correspondent Lenders
Gateway Bank, FSB

Asset Management Systems


Mortgage Industry Advisory Corporation MIAC Urban Settlement Services, LLC

Credit Reporting / Scoring Products


CBCInnovis Credit Plus, Inc. / ARISTON Credit Technologies, Inc. Equifax Kroll Factual Data Old Republic National Title

Assignments
Nationwide Title Clearing

Associations
Mortgage Bankers Association

EXPO 2009

64

expo 2009: Exhibitor by product


Document Services
Acris Solutions, LLC American National Abstract, LLC Data-Vision, Inc. Del Mar DataTrac Document Express, Inc. Document Systems Inc. / DocMagic Ellie Mae, Inc. First American IDS, Inc. LenderLive Network, Inc. Nationwide Title Clearing Sourcecorp Stewart Lender Services Urban Settlement Services, LLC Wolters Kluwer Financial

Electronic Document Delivery


ACI ACS Data-Vision, Inc. Document Systems Inc. / DocMagic Ellie Mae, Inc. eLynx IDS, Inc. Integra Software Systems, LLC Metavante Lending Solutions Mortgage Builder Software Mortgage Cadence, Inc. Wolters Kluwer Financial Xerox Mortgage Services

Financial Programs
CSC

Flood Information / Determination / Certification Services


CBCInnovis Document Express, Inc. Document Systems Inc. / DocMagic First American Kroll Factual Data Loan Protector Insurance MDA Lending Solutions, Inc. SLK Group

eMortgage Solution Providers


Avista Solutions Data-Vision, Inc. Dexma, Inc. Document Systems Inc. / DocMagic Ellie Mae, Inc. First American Fiserv Hyland Software, Inc. Metavante Lending Solutions MISMO Mortgage Cadence, Inc. NYLX Response Analytics, Inc. Stewart Lender Services Wolters Kluwer Financial Xerox Mortgage Services

Foreclosure Services
ZENTA

Due Diligence
ADFITECH, Inc. Clear Capital Coester Appraisal Group Comergence Compliance Monitoring ComplianceEase CSC Digital Risk, LLC Franklin Credit Management Genpact Mortgage Services JC III & Associates, Inc. Opus Capital Market Consultants Pro-Teck Services Ltd. Prodovis Mortgage LLC Quality Mortgage Services, LLC SingleSource Property Solutions Veri-Tax Visionet Systems Inc. ZENTA

Foreclosure / Reconveyance Services


American Mortgage Field Services American Society of REO CBCInnovis Lender Processing Services, Inc. Nations Title Agency Quatrro Mortgage Solutions, Inc. Rekon Technologies SLK Group Stewart Lender Services The Law Offices of John D.

Fraud Detection Services


ACI ADFITECH, Inc. CBCInnovis Digital Risk, LLC Equifax First American Fiserv FNC, Inc. Interthinx Kroll Factual Data Quality Mortgage Services, LLC Rapid Reporting Verification Company The Work Number Wolters Kluwer Financial

Employment / Income Verification


ComplianceEase ISGN The Work Number Federal Agencies Federal Housing Finance Agency Rapid Reporting Verification Company

Education / Training
AllRegs CampusMBA Credit Technologies, Inc. DS News JVI Appraisal Division, LLC

Field Inspection / Property Preservation


American Mortgage Field Services American Society of REO Field Asset Services, Inc. First American National Real Estate

65

EXPO 2009

expo 2009: Exhibitor by product


Government Sponsored Enterprises
Ginnie Mae USDA Rural Development eLynx Ernst Information Services, LLC FNC, Inc. Integra Software Systems, LLC LeadQual, LLC LenderLive Network, Inc. LoanMLS LoanSifter, Inc. LowerMyBills.com LoyaltyExpress Metavante Lending Solutions Mortgage Builder Software Mortgage Cadence, Inc. NDCdata Optimal Blue LLC Response Analytics, Inc. Visionet Systems Inc. Wipro Gallagher Solutions, Inc. Wolters Kluwer Financial Xerox Mortgage Services

Mortgage Technology Products / Services


ACS Acris Solutions, LLC AllRegs Associated Software Consultants, Avista Solutions Calyx Software Closing.com Commerce Velocity, LLC. Credit Plus, Inc. / ARISTON Credit Technologies, Inc. CSC Del Mar DataTrac Dexma, Inc. Digital Risk, LLC Document Express, Inc. Document Systems Inc. / DocMagic Ellie Mae, Inc. eLynx Equifax Ernst Information Services, LLC FICS First American Fiserv FNC, Inc. Integra Software Systems, LLC iServe Servicing, Inc. ISGN Lender Processing Services, Inc. LexisNexis Loan Protector Insurance LoanSifter, Inc. LoyaltyExpress Metavante Lending Solutions Mortech, Inc. Mortgage Builder Software Mortgage Cadence, Inc. National Quick Sale Nationwide Title Clearing NYLX Optimal Blue LLC Paradatec Inc. PCLender.com, Inc. PHH Mortgage

Information Security Technology / Services


First American iServe Servicing, Inc. Mortech, Inc. SLK Group Xplair Technology, LLC

Insurance Products
Bankers Insurance Service Loan Protector Insurance Old Republic National Title USDA Rural Development

Integrated Closing Services


Equifax Equity National ISGN National Closing Solutions National Real Estate Nations Title Agency SingleSource Property Solutions Urban Settlement Services, LLC

Lead Generation Services


LeadQual, LLC LoanSifter, Inc. LowerMyBills.com NYLX The Turning Point, Inc.

Integration Services
Closing.com Metavante Lending Solutions

Marketing / Advertising Services


LeadQual, LLC LoanMLS LoanSifter, Inc. LoyaltyExpress The Turning Point, Inc.

Internet Services / Technology Products


ACI Acris Solutions, LLC Avista Solutions Calyx Software Closing.com Commerce Velocity, LLC. CSC Data-Vision, Inc. Del Mar DataTrac Dexma, Inc. Document Express, Inc. Document Systems Inc. / DocMagic Ellie Mae, Inc.

Mortgage Bankers
Calyx Software Central Mortgage Company CSC Xetus Mortgage Corporation

EXPO 2009

Mortgage Brokers
Calyx Software Xetus Mortgage Corporation

66

expo 2009: Exhibitor by product


Rekon Technologies Response Analytics, Inc. RiskSpan Solidifi Sourcecorp The Turning Point, Inc. The Work Number Veri-Tax Veros Real Estate Solutions Visionet Systems Inc. Wolters Kluwer Financial Xerox Mortgage Services Xetus Mortgage Corporation Salient Business Solutions SLK Group Sourcecorp TenA Companies, Inc. Visionet Systems Inc. ZENTA

Rating Agencies
Standard & Poors Real Estate Information Services Ernst Information Services, LLC First American Kirchmeyer & Associates, Inc. Lender Processing Services, Inc. National Real Estate NDCdata Old Republic National Title Pro-Teck Services Ltd. Solidifi Urban Settlement Services, LLC

Portfolio Analysis / Valuation / Hedging


Clear Capital Coester Appraisal Group Commerce Velocity, LLC. Equifax Franklin Credit Management Kirchmeyer & Associates, Inc. MDA Lending Solutions, Inc. Mortgage Industry Advisory Corporation MIAC Pro-Teck Services Ltd. Response Analytics, Inc. RiskSpan Urban Settlement Services, LLC

Mortgage Transaction Platforms


PHH Mortgage

Regulations Databases
ComplianceEase Wolters Kluwer Financial

Other
Ellie Mae, Inc. Harland Financial Solutions Lenders One Mortgage Builder Software Mortgage Industry Advisory National Loan Exchange Inc. Nations Direct Residential Credit Solutions, TenA Companies, Inc. The Niche Report The StoneHill Group, Inc. Zackin Publications / Secondary

Release / Assignment Services


ACS Nationwide Title Clearing Rekon Technologies Stewart Lender Services

Property Valuations
Coester Appraisal Group

Publishers
AllRegs DS News Ernst Information Services, LLC Housing Wire Mortgage Bankers Association SourceMedia

Risk Management Data / Services / Systems


ACI Associated Software Consultants, CBCInnovis ComplianceEase Digital Risk, LLC Equifax First American Fiserv Genpact Mortgage Services Interthinx Kroll Factual Data MDA Lending Solutions, Inc. Pro-Teck Services Ltd. Quantitative Risk Management RiskSpan Solidifi The Work Number Veri-Tax ZENTA

Outsource Specialists
ACS ADFITECH, Inc. First American Genpact Mortgage Services LenderLive Network, Inc. Loan Protector Insurance Marix Servicing LLC Nationwide Title Clearing Penncro Associates, Inc. PHH Mortgage Quatrro Mortgage Solutions, Inc. Rapid Reporting Verification Company

Quality Assurance / Contract Services


ADFITECH, Inc. CBCInnovis ComplianceEase JC III & Associates, Inc. Kirchmeyer & Associates, Inc. Quality Mortgage Services, LLC Rapid Reporting Verification Company TenA Companies, Inc. ZENTA

67

EXPO 2009

expo 2009: Exhibitor by product


Secondary Market Systems / Services
Associated Software Consultants, Del Mar DataTrac Integra Software Systems, LLC LoanMLS LoanSifter, Inc. Mortech, Inc. Mortgage Builder Software Mortgage Industry Advisory Corporation MIAC NYLX Optimal Blue LLC PCLender.com, Inc. Rekon Technologies Wolters Kluwer Financial Xetus Mortgage Corporation

Subservicers
Cenlar FSB Central Mortgage Company Dovenmuehle Mortgage, Inc. Fay Servicing Franklin Credit Management GMAC Mortgage Subservicing Marix Servicing LLC Prodovis Mortgage LLC Tax Return Verification Services The Work Number Veri-Tax

Underwriting Systems / Services


Avista Solutions Commerce Velocity, LLC. Equifax Genpact Mortgage Services Headstrong Business Services Integra Software Systems, LLC JC III & Associates, Inc. LenderLive Network, Inc. Metavante Lending Solutions Mortgage Builder Software Quality Mortgage Services, LLC Quatrro Mortgage Solutions, Inc. Veri-Tax Wipro Gallagher Solutions, Inc. ZENTA

Tax Return Verification Services


Rapid Reporting Verification Company

Servicing Evaluation / Brokerage


Mortgage Industry Advisory Corporation MIAC

Title Insurance / Services


CBCInnovis Credit Plus, Inc. / ARISTON Equity National First American ISGN Lender Processing Services, Inc. LenderLive Network, Inc. National Closing Solutions National Real Estate Nations Title Agency Old Republic National Title SLK Group The Law Offices of John D. Clunk

Warehouse Lenders
Gateway Bank, FSB

Strategic Staffing
Aerotek Professional Services JC III & Associates, Inc. Quatrro Mortgage Solutions, Inc.

Web Site Designers


LoyaltyExpress

EXPO 2009

68

getting around

getting around

getting around
San dieGO cOnventiOn center | ground level

GETTING AROUND

70

getting around
San dieGO cOnventiOn center | Mezzanine level

San dieGO cOnventiOn center | upper level

71

GETTING AROUND

Together...
2009, Fannie Mae. Registered trademarks. The Making Home Affordable logo and Making Home Affordable are trademarks of the United States Department of the Treasury and are used under license.

In communities around the country, Fannie Mae is committed to working with partners like you.

As part

of the Making Home Affordable Program, we offer you tools to support Home Affordable Refinance and Home Affordable Modification. Together we can refinance and modify mortgages, help stabilize the market, and begin to make housing affordable for Americans once again. For more information, please visit www.efanniemae.com or www.financialstability.gov.
w w w . e f a n n i e m a e . c o m

72

Fannie Mae is proud to be a sponsor of the MBAs 96th Annual Convention & Expo

In a nation reliant on sound lending practices, credit scoring is an issue of national importance.

VantageScore is a new generic credit scoring model that opens doors to the opportunities that having credit creates. Created by Americas three major credit reporting companies, VantageScores highly predictive model uses an innovative, patent-pending scoring methodology to provide lenders with a consistent interpretation of consumer credit files across all three major credit reporting companies and the ability to score a broad population. This means lenders can help more creditworthy borrowers, and millions of Americans who use credit infrequently can be accurately scored with VantageScore. We invite you to learn more at www.VantageScore.com.

VantageScore is now used by 4 of the top 5 financial institutions in America.


2009 VantageScore Solutions, LLC. All Rights Reserved.

The leader is taking a giant step forward.


ServiceLink is the national lender platform for the Fidelity National Financial family of companies, offering a full suite of origination and default services. For strength, stability and a total dedication to service throughout the life of the loan, theres only one name to remember.

Driving performance through the life of the loan.


www.servicelinkfnf.com | 800-777-8759